By Eunice K. Neubauer, CSA A percentage of the senior market has Long Term Care Insurance. Hopefully more seniors will look to buy this insurance protection as it can give them more choices as they age and need some help. For those with long term care insurance, many owners don’t realize that their contract has […] Continue reading → 
By Maria S. Gempler, CSA A reverse mortgage is a unique type of loan which allows you to convert part of the equity in your home into cash without having to sell your home. If you are age 62 or older and own a home, you may want to consider a reverse mortgage to pay […] Continue reading → 
By Eunice K. Neubauer, CSA People have different opinions on making New Years Resolutions. Personally, I like to make personal and business goals at the beginning of the year. My belief is that goals are more meaningful especially if you make SMART goals. If you have a parent that is aging and their home may […] Continue reading → 
By Chris and Laurie Kemp, CSAs Ambiguous loss is a loss that occurs without closure. In families with an aging loved one, this can often be the case when more advanced dementia is being experienced. It is that time when your loved one is physically there, but may not remember you or others that they […] Continue reading → 
By Eunice K. Neubauer, CSA Recently I was reminded that as we age we lose muscle. For me weekly weight lifting at least 2 times at home or Fitness 19 is my goal. Each year unless we are moving and using our muscles they will atrophy after age 40. And the older we are the […] Continue reading → 
By Chris and Laurie Kemp, CSAs When we get together with family, whether it is our kids, siblings or cousins, it is always a time of retelling family stories. Everyone laughs and cries as they enjoy hearing the memories again. This gift of family memories is a great and easy idea for Christmas gifts. It […] Continue reading → 
By Chris and Laurie Kemp, CSAs When a loved one moves into an assisted living or memory care, family members do not stop being caregivers. Now instead of being the caregiver that performs the caregiving you are the caregiver that watches over the cares being provided. Communication is key. Here are some tips to help […] Continue reading → 
By Eunice K. Neubauer, CSA Many seniors today think that if they can’t remain in their “home”, their only option is a skilled nursing facility or care center. They don’t realize their options include independent living communities, assisted living communities, memory care communities, Continuous Care Retirement Communities (CCRCs) or continuum of care communities where you […] Continue reading → 
By Chris and Laurie Kemp, CSAs One of the questions that is often asked when someone goes to the hospital is who makes the medical decision if the person in the hospital cannot. At the Fall Aging Conference in October, Attorney Thaddeus Pope talked about how it works in Minnesota. It is presumed that all […] Continue reading → 
By Eunice K. Neubauer, CSA You maybe have heard that November is Diabetes Awareness Month. According to the American Diabetes Association, more than 30 million Americans have diabetes and 1 in 4 do not know they have this disease. The average medical expenditures for someone with diabetes is $13,700 annually. More and more Americans are […] Continue reading →