AgingOptions Life Plan: Finance

“Will I have enough assets in order to not run out of money before I run out of life?” is top of mind for all of us in the final third of our lives.

In answering this, preservation, positioning and passing of accumulated wealth goes beyond traditional estate planning. It calls for all affected family members to be

participants in a model that integrates health, housing and elder law considerations.


Keeping Nursing Home Stays Short is in Everyone’s Best Interests

You’re 65 years old or older You have to go to the hospital for a few days Where will you go after you’re discharged Most of us would answer, “Home, of course” But the fact is that 20 percent of seniors who are hospitalized end up being discharged to a nursing home That’s what we

Veterans, Beware: Scam Artists are Targeting Your Pension Benefits

Veterans Day is still some weeks away, but we felt it was timely to remind all our Blog readers and radio listeners – and especially you veterans who have served your country so faithfully – that there are unscrupulous and shameless scam artists out there trying to defraud you from your savings, your security, even

It’s Time for Medicare Open Enrollment – and some Objective Advice

Ah, October: the weather is cooler, the nights are longer, the leaves are turning color, and it’s Medicare Open Enrollment Time (That may explain why you see so many older adults walking around with perplexed expressions on their faces at this time of year) Medicare Open Enrollment for the 2018 calendar year begins October 15

Who Should Get an HECM? Solid Answers to Common Questions

With all the articles we’ve read and conversations we’ve heard here at AgingOptions about the Home Equity Conversion Loan, or HECM – commonly called the reverse mortgage – the question millions of older homeowners are still asking themselves is simple: “Is a reverse mortgage right for me” We can’t count the number of times we’ve

Saving for College Instead of Retirement? Time to Re-Think Priorities

Do you think saving for your children’s college education takes precedence over saving for your own retirement If you do, you’re not alone – but you may be making a major mistake, with a big price to pay down the line when you do eventually retire That’s the conclusion from this very recent article that

When It Comes to Medical Care for Seniors, More Isn’t Usually Better

Here’s one statistic that really infuriates us: according to many estimates, the dollar value of wasted health care in the US is about one quarter of a trillion dollars per year Yes, you read that right: many believe that as much as one-fifth of American medical care, amounting to roughly $250 billion per year, is

Nursing Home Costs Continue to Rise, Says Industry Survey

If you’ve shopped for long term care services lately, either for yourself or for a loved one, then the fact that nursing home costs are continuing to go up year after year won’t come as a surprise However, since most people don’t start comparison shopping for nursing care or assisted living until an urgent need

After the Equifax Data Breach, You Need to Take This Critical Step to Protect Social Security

The aftermath of the massive Equifax data breach affecting tens of millions of Americans will be reverberating in US households for months to come Many people are rushing to put a freeze on their credit accounts in order to protect their identity But there’s something else you need to do immediately if you want to

Can Retirement be “Dangerous”? Yes, if you’re Not Well Prepared

Whenever you hear people discussing their retirement hopes and dreams, what’s the number one thing they seem to talk about In our experience the answer is their finances “I’ll retire when I can afford to,” they’ll say – or “I think my financial plan will allow me to retire next year” This kind of one-dimensional,

Can Your Estate be Divided Unequally and Still be “Fair”?

Here at AgingOptions we have the opportunity to work with a wide variety of clients in the area of estate planning It’s interesting how frequently we’ll be in the middle of a discussion concerning how a client wants to dispose of his or her assets after death, only to have the client look us in
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