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Compass & Clock Spring/Summer 2018 Publication

The Compass & Clock program is comprised of your neighbors. We are grateful for the support of our participants, for without them Compass & Clock would not exist. This collection of knowledgeable and myriad resources is designed to help you navigate your journey through middle age, retirement, and senior years. Welcome to a community conceived to guide you into your best future.​

We publish 2 print editions a year. Here is the Spring/Summer edition, and the Fall/Winter edition will be out by November 1st.

Please feel free to write to us with feedback, suggestions, and info you would like to see in our next publication or on the website, etc.

Compass & Clock Spring/Summer 2018 Publication

  1. 1. 12 3 6 9 Navigating life today to remain independent tomorrow &C MPASS CL CK Are You as Good a Driver as You Think? 40 Medicare's Role: Admitted vs Observation 36 Fighting an Opponent You Cannot See 22 Fighting an Opponent You Cannot See 22 Medicare's Role: Admitted vs Observation 36 Are You as Good a Driver as You Think? 40 SPRING/SUMMER 2018 WESTSOUND, GIG HARBOR TO PORT ANGELES F REEO N *FREE*PUBLIC ATION*FREE*P UBLICATION * TAKE ME I'M YOURS! Health Care Housing Choices Financial Planning Legal Guidance Family Support Leisure Pursuits
  2. 2. Member SIPC To find out more about how to review your financial goals and keep them on track, call today. As an Edward Jones client, you’re the type of person who wants to stay on top of your finances. But decisions made in the past may no longer be what’s best for your future. Markets and interest rates may have changed, but more importantly, your goals may have changed. A financial review is a great opportunity to sit face to face with your financial advisor to help ensure that your strategy is up-to-date. Regular reviews can help put your finances in line with your short- and long-term goals. When It Comes to Your To-do List, Put Your Future First FAP-2587C-A EXP 31 MAY 2018 © 2016 EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Todd E Tidball Financial Advisor (360) 779-6123 18887 State Hwy 305 Suite #100 POULSBO Stephen Sklar Financial Advisor (360) 385-2243 2500 W Sims Way Suite #202 PORT TOWNSEND Calvin Christensen Financial Advisor (360) 698-6092 3100 NW Bucklin Hill Rd Suite #115 SILVERDALE Brent Tayet Financial Advisor (253) 853-7988 5775 Soundview Drive Suite C203 GIG HARBOR
  3. 3. • Elder Law • Estate Planning • Medicaid Planning • Wills & Probates • Powers of Attorney • Guardianships • Special Needs Trusts • Adoptions • ...and More     “If you fail to plan, you have planned to fail.”~Benjamin Franklin What does the future hold for you? Let us help you plan for the future with practical tools and advice to guide you to a comprehensive Life Care Plan™ that addresses your future housing, healthcare, financial and legal needs. FREE Legal + Estate Life Care Planning Seminars 19717 Front Street NE Poulsbo, WA 98370      Richard C. Tizzano Elder Law & Estate Planning Attorney Text MYNEWSLETTER to 42828 to receive our FREE monthly E-newsletter. PEACE OF MIND PROVIDING LEGAL 360-779-5551 Richard’s book, Accidental Safari: A Guide for Navigating the Challenges that Come with Aging, is available NOW at
  4. 4. Mary Coupland Publisher/Editor-in-Chief Owner and Operator, Compass & Clock Past President, Board of Directors, Mavericks Bainbridge Director of Marketing, Homeport Photography Member of Kitsap Provider Group Member of Jefferson County Provider Group Member of Aging Smart Gig Harbor Group 206-321-8016 By Carol Fisher for Compass and Clock When you embarked upon young adulthood, you were undoubtedly eager to de- clare your independence and reach the milestones that validated your “grown-up” status. It was a great source of pride to earn your own income, and in turn, the free- dom to pursue the activities you loved. Your future plans may have included moving ahead in your career, and perhaps meeting your true love. Looking past that, you may have aspired to marriage, children, and a home. In the dash to autonomy, no matter your vision for the relatively near future, you may not have appreciated the genuine need to pre-plan for the distant future. Life became hectic. You may have seldom considered who, what, where, and how you’d be in the fall and winter of your life. Had it crossed your mind, it was easy to dis- miss, because middle age and retirement were decades away! Friend, time has passed and middle age or retirement is upon you. It doesn’t matter if you’ve followed a traditional or unconventional path. If you’ve postponed prepa- rations for this time in your life, you’ll need dependable guidance to achieve secu- rity and peace of mind. Perhaps you feel confident that you’re already solidly prepared. That’s great! None- theless, you will encounter unanticipated life events. There are solutions. That’s why we are so proud to present Compass and Clock as your comprehensive guide to: • Financial Planning • Legal Guidance • Health Care • Housing Choices • Leisure Pursuits • Family Support Don’t wait until you’re overwhelmed by illness and uncertainty. Hold on to that independence you seized as a young adult by taking advantage of the vast services Compass and Clock has to offer; from complex legal advice, to simple recommenda- tions for remaining healthy and active, or enjoying a night on the town. We’ve forged a community of compassionate professionals dedicated to your fiscal and physical health, and that of your family. We realize it’s entirely possible you’re making decisions for others. You may be responsible for your aged parents or a disabled adult child, at the expense of deferring crucial arrangements to safeguard your own future. To that end, this guide provides references to educational tools and resources to empower you and your family to strengthen your lives as you age. Our program is intended to help you maintain or improve your quality of life, at any stage, regard- less of your financial status. And should you need advice and assistance for end of life care, our participants can provide that as well. The Compass and Clock Westsound program is comprised of your neighbors. It has evolved over the course of several years as a labor of love in the spirit of fellowship. We are grateful for the support of our participants, for without them Compass and Clock would not exist. This collection of knowledgeable and myriad resources is designed to help you navigate your journey through middle age, retirement, and se- nior years. Welcome to a community conceived to guide you into your best future. WELCOME TO COMPASS AND CLOCK Richard C. Tizzano, JD Consultant/Advisor Elder Law Attorney and Principal of Sherrard McGonagle Tizzano & Lind PS. Specializes in Elder Law & Estate Planning, Personal Healthcare Crisis Management, Strategic Health Cost Risk Mitigation, Sustainability of Care, Guardianships, and Adoptions. Member of the Washington & California State Bar Assocation Member of the Kitsap County Bar Association / BV-Rated Lawyer by Martindale Hubbell Board Member, Puget Sound Youth For Christ Member of Poulsbo Rotary & Chamber Past President, Kitsap Community Foundation Community educational instructor/ speaker on estate planning & elder care issue Published Best Selling Author: Accidental Safari, a guide for navigating the challenges that come with aging. Available on www.
  5. 5. Volume 1 We are Proudly Printed in the USA! Bonnie Dickson Editor Contributing Writer Creative Services - Print WriteEditDesign 253-279-6401 Carol Fisher Contributing Writer Better Days Writing & Editing 402-301-6376 Marc Morrison — Stills & Motion 1108 Lavaca St Suite 110-424 Austin, Texas 78701 713-858-8573 Cover Shot FINANCIAL PLANNING 4 Elder Abuse and Neglect 5 Retirement by the Numbers 6 Veterans Aid and Attendance 9 The One Conversation You Should be Having 11 Baby Boomer Brain Game 12 A Plan to Help the Disabled Help Themselves 14 3 Ways to Finance Your Retirement Home HEALTH CARE 16 50 Percent of Seniors are Diabetic 18 Medical Marijuana 20 How TCM Can Make a Lasting Difference To Your Health 22 Fighting an Opponent You Can't See 24 Physical Therapy Provides an Effective Treatment Option for Incontinence. 26 Ringing in Your Ears May Indicate Hearing Loss 28 Help Prevent Senior Falls HOUSING CHOICES 30 7 Factors to Consider When Choosing a Home to Retire In 32 The Laws of Less 34 Taking the Scary Out of Long-Term Care 36 The Accidental Safari Begins LEGAL GUIDANCE 38 Elder Orphans 40 Are You as Good a Driver as You Think LEISURE PURSUITS 42 Sunday Driving 44 Tell Me a Story 46 The Benefits of Intergenerational Programming for Seniors 48 Enjoy Premier Live Entertainment in the Westsound FAMILY SUPPORT 50 You are not Alone 52 Dave and Molly 54 Who are the Carers? 55 RESOURCE DIRECTORY Table of Contents We are a group of compassionate, experienced professionals dedicated to your well-being and safety. Our goal is to share knowledge, tools & resources to educate & empower you, and help you strengthen your quality of life as you age. 12 3 6 9 Navigating life today to remain independent tomorrow &C MPASS CL CK
  6. 6. 4 Spring/Summer 2018 I f your childhood involved anticipating the next adventures of Spider-man, the Hulk, Doctor Strange, and any number of other comic book characters, you likely recognize the name Stan Lee. Lee, a fixture in the pages of comic books since he was still in his teens and a prolific writer as well as an editor is now in his mid-90s and still in the spotlight but not for his work. Recently a reporter from the "Hollywood Reporter" published an investigative article suggesting that Lee, now worth tens of millions, is the victim of elder abuse. Although, it is worth noting that Lee vociferously claims differently, several people have insinuated that Lee is physically and financially abused by one of his two children and by numerous other hangers on. Unlike Lee, another long-time celebrity, Mickey Rooney, spent the last few years of his life speaking out about elder abuse and went so far as to testify before Congress about elder abuse. Who are the abused: Unfortunately, elders do not have to have multimillion-dollar estates. Perhaps it is the fact that the senior population makes up such a significant portion of the population or perhaps because many of them experienced a boom during their life on the main stage, as they have become frail an epidemic of fraud and abuse has bloomed in their path. Elder abuse exists in every sphere of American life. You are not safe if you are poor, rich, white, black, male, or female. You do not have to suffer from diminished mental acuity nor poor physical health. You simply have to have the misfortune of needing someone else. The National Council on Aging estimates that at least 1 in 10 Americans over the age of 60 experience abuse. Abuse can happen anywhere. It can happen while you live at home, in a retirement community or with a family member. Every year, hundreds of thousands of adults 60 and over experience abuse, neglect, or financial exploitation from family members, medical care providers, and caregivers. Some estimate that as many as 5 million elders experience abuse each year. It occurs most often with people who have diminished mental or physical capacity and who need help with basic life needs such as bathing, dressing and taking medicine but is also associated with social isolation. The Cost of Abuse: People experiencing abuse have a 300 percent higher risk of death than those who have not been mistreated. It costs older Americans $36.5 billion each year and that number is likely underreported. What can be done: Most states have laws specific to vulnerable populations including for those whose main vulnerability is their age. If you believe someone is in immediate, life-threatening danger call 911. For other types of abuse, contact Adult Protective Services, Long Term Care Ombudsman program, or the police. (see directory listings) Preventing elder abuse: The simplest method for staying safe as you age is to take care of your health so you won’t fall prey to abusers but other steps to take include: planning for your future by getting powers of attorney and wills drawn up before you need them, staying active and connected in the community , knowing your rights in your community and with any caregivers, having your own phone, protecting yourself from scammers and taking care of your own mail and bills. Elder Abuse and Neglect: What to Look For and How to Get Help Stan Lee, comic book writer and editoris at the center of a controversy about elder abuse. Photo: Gage Skidmore
  7. 7. Financial Planning I t's been nearly a decade since the first Baby Boomers reached retirement age and halfway through the process experts learned a few lessons about retirement. Boomers, in case you haven't heard, are retiring. The number being bandied about since prior to the time that first Boomer picked up his or her gold watch or whatever replaced the gold watch is 10,000 a day. To put that a bit more into perspective, 4 million Boomers will retire each year for 19 years. The recession delayed retirement for many by wiping out savings and impacting the value of housing but there are other more complicated reasons that Boomers felt their wallets constrict to the point of gasping. There were already storm clouds suggesting that Boomer retirement wasn't going to be all about trips to Europe and rounds of golf. The Boomers were the first generation to rely mainly on their own talents for planning and saving rather than being able to look to a pension and it shows. While more seniors than ever before are collecting Social Security benefits (an increase from 69 percent to 84 percent), Social Security wages as anyone on Social Security can attest is not a way to increase your earning potential. Yet, roughly 50 percent of seniors have income in addition to their Social Security benefits as compared to 54 percent in 1962 according to a 2017 Investopedia article. In addition, low interest rates, since 2008, while generally good for new home buyers and companies looking to expand, are not useful for those using traditional methods of beefing up savings while sticking to a conservative investment strategy (such as those approaching retirement might use) nor was the general lack of growth in income since the '80s. Of course there was also as mentioned before, the recession. For many people, it wasn't simply the recession- -it was The Recession--as in something that compared to The Depression. The recession hit and many younger generations struggled for several years to get a job...any job. The result was a lot of couch surfing at mom and dad's. While you can say that that particular situation has improved since the economy has improved, the Boomers are still acting as the bank. In 2013, 27 percent of Boomers were supporting their parents and 5 percent were supporting their children creating the wonderful term 'sandwich generation'. Things have improved. In the last five years, Boomers reduced their support for both their children and their parents but now 9 percent support grandchildren which were not in the picture at all five years ago. Whether or not Baby Boomers are likely to be in financial crisis after retirement will depend largely on Baby Boomers themselves. There is only so much that reducing discretionary spending and working longer can accomplish. At some point, Boomers will need to look to expert help to improve their financial futures. But by many estimations, Boomers have too low of savings, spent too little time planning, and have too little understanding of the risks they face as they age. According to an IRI Boomer Expectation Report, “The evidence is clear...those who have sought and obtained help are better prepared for retirement, both by their own assessments and by empirical measurements." Photo by Mohammad Danish from Pexels 91%of Boomers who work with financial professionals have savings, versus only 41 percent of those who do not. 75%of Boomers who work with financial professionals have saved more than $100,000, versus only 49 percent of those who do not. 52%of Boomers have not taken any action regarding their defined contribution plans. 40%of Boomers believe that selecting investment and insurance products, creating a financial plan for retirement, and planning for health care and long-term care require the help of a financial professional. Compiled from IRI Boomer Expectation Report Retirement by the Numbers
  8. 8. 6 Spring/Summer 2018 W hen I sit down with a family to discuss their need for assisted living, I always ask them if they or a spouse served in the military. Often the answer is yes. I immediately become excited because I am about to share a wonderful secret with them--one that can make the extra care they need possible and lift a financial burden from their shoulders. This well-kept secret is the Veterans Aid and Attendance benefit. According to data from the department of Veterans Affairs (VA), of the country’s nearly 22 million veterans, fewer than 122,000 veterans and 124,000 surviving spouses receive Aid and Attendance. Combined, that’s less than 1.2 percent. Much of the $6 billion dollars budgeted for pension ben- efits each year goes uncollected by those who served their country. This money could make life so much easier for veterans and their surviving spouses by helping to cover the cost of senior and assisted living care. Congress established the Aid and Attendance Pension in 1952 to provide financial assistance to wartime veterans and their surviving spouses who lack the funds to pay for the care they require for routine activities of daily living, such as medication management, dressing, mobility, meal preparation, bathing and more. Relatives or professional staff can provide the care at home, in an independent living facility, assisted living facil- ity or a nursing home, By accessing this pension, veterans can increase the funds available to pay for care or move into the type of commu- nity able to provide the services they need. Veterans Aid and Attendance: The Well-Kept SecretBy Nancy Krieg
  9. 9. The federal government pays this monthly pension directly into the veteran’s or surviving spouse’s bank account and it is completely tax free. How Much Can Veterans Receive Every Month? According to the American Veterans Care Connection (AVCC), a pair of married veterans can receive Aid and At- tendance benefits of up to $2,903 per month; a married veteran up to $2169 per month; a single veteran could receive up to $1,830 per month; and a surviving spouse, up to $1,176 per month. One of the best parts of the Aid and Attendance benefit is that the care and medical expenses don’t need to be service related. Eligibility Requirements Military history: Veterans must have served 90 days active duty with one day during a period of war; general or medi- cal discharge is required. Medical needs: The veteran or spouse must have physical or mental conditions that require the assistance of another individual on a regular basis. Income considerations: If care expenses exceed income, the maximum benefit will be awarded. Most individuals receiving senior care meet this qualification. Net worth: Assets can be no more than $80,000, however, since allowable net worth is based on individual circum- stances and this amount is calculated by deducting all recurring medical expenses and costs of care from total income, applicants with widely varying income levels may qualify. Surviving spouse: A spouse must have been married to the veteran until death in order to qualify. Preparing Your Aid And Attendance Application Even when someone meets all the qualification require- ments, the Aid and Attendance application must still be completed properly. Any mistakes made at this stage could prevent him or her from receiving benefits in a timely manner. While you might expect a phone call to the VA office would provide callers with accurate assistance, sadly, it is often the opposite. According to the department’s own data, people who call them are more likely than not to receive incorrect information. To ensure their applica- tions are prepared correctly, I encourage my families to seek assistance from private companies that charge no fee for guiding people through the process, such as Veterans Financial ( Another resource that my families have used with great success is Aaron Steele ( These organizations help with collection and completion of required documents to help prevent a denial. All of this is helpful in shortening the process time from application to approval. Each Home Instead Senior Care franchise is independently owned and operated. © 2017 Home Instead, Inc. The greatest breakthrough in senior care? Your cozy cottage. We help Seniors stay at home, whether they’re dealing with Alzheimer’s, arthritis or anything in between. Gig Harbor to Bainbridge Island 360.782.4663 Port Angeles to Port Ludlow 360.681.2511 HOSPICE SUPPORT | MEALS AND NUTRITION PERSONAL CARE | 24-HOUR CARE | MEMORY CARE
  10. 10. 8 Spring/Summer 2018 I work with families every day who are going through the emotional transition to senior care, and part of my job is to help them find the best solutions for their family. As they enter the phase of their lives when they need extra help or nursing care, affordability can become a concern. My first question is not do you have any savings or did you invest in long-term care insurance, but are you or your spouse a veteran. Aid and Attendance benefits can be the key factor that enables a veteran or spouse to afford extra care or senior living. Whether you are a family member, a caregiver, a medical professional or a concerned community member, find out whether the seniors you know are veterans or surviving spouses, and then help them get the benefits they de- serve. This benefit changes lives. It has become my passion to make sure that those seniors eligible for this benefit get the assistance they deserve. Nancy Krieg is the community relations manager for Sinclair Place, an assisted living community located in Sequim. She works with families helping them to find solutions for their loved ones when home is no longer an option. She can be reached at (360)558-3250. THE ARBOR at Bremerton The Arbor at Bremerton is a Memory Care community designed exclusively for the compassionate care of individuals with Alzheimer’s and other forms of dementia. • Life-Enriching Activity Programs • Support Groups and Family Education • Cognitive and Behavioral Support • Medication Management • Activities of Daily Living Assistance • Weekly Housekeeping Services PREMIER MEMORY CARE 3510 9th St. Bremerton, WA Your Life. Our Commitment. 360-525-9000 Eligible Wartime Periods The VA uses the following wartime periods to determine eligibility for VA Pension benefits: •Mexican Border Period (May 9, 1916 – April 5, 1917) •World War I (April 6, 1917 – Nov. 11, 1918) •World War II (Dec. 7, 1941 – Dec. 31, 1946) •Korean conflict (June 27, 1950 – Jan. 31, 1955) •Vietnam (Feb. 28, 1961 – May 7, 1975 in the Republic of Vietnam; otherwise Aug. 5, 1964 – May 7, 1975) •Gulf War (Aug. 2, 1990 – through a future date) “We are in the relationship business, We just happen to sell insurance!” HOME * AUTO * LIFE * BUSINESS * RV * PET * AND MORE From our point of view, the best place to live Thompson Agency 1703 SE Sedgwick Rd, Ste 103 Port Orchard, WA 98366 360-602-6999
  11. 11. Financial Planning MECH JOB INFORMATION PROJ. NO.: 9148636/604238326 JOB NAME: WM Mkt Byrnes Cascade SPECIFICATIONS TRIM SIZE: 7.5" × 4.7813" FINISHED SIZE: 7.5” × 4.7813” NOTES The riskiest financial move is doing nothing. Your wealth plan should keep up with the changing circumstances of your life, as well as with the cycles in the financial markets. A new career, a new grandchild, a new business, a significant shift in your portfolio—any of these events could necessitate a fresh look at your strategy. As Morgan Stanley Financial Advisors, we can work with you to develop a plan and then help you manage your investments and assets through life’s changes. Call today to arrange an appointment. We’ll work together to plan for what may come. © 2018 Morgan Stanley Smith Barney LLC. Member SIPC. MAR014 CRC1988327 01/18 CS 9148636 01/18 L to R: Diane Boileau, Registered Associate; Tiffany Timar, Senior Registered Associate; Doug Berger; Jason Berger; Jan Morris The Casacade Group at Morgan Stanley Doug Berger Senior Vice President Financial Advisor Jason Berger Associate Vice President Financial Advisor Jan Morris Financial Advisor 2011 NW Myhre Road, Ste 301 Silverdale, WA 98383 360-613-0212 thecascadegroup Compile a list of uncomfortable hot button topics, and no doubt health and money would be near the top of the list. Combine the two and it’s suddenly clear why so many people fail to lay the groundwork for financial planning in the event of incapacity. After all, who wants to address the difficult realities of old age or debilitating illness, particularly as it relates to finances? But as the oldest members of the outsized Baby Boomer generation begin turning 70 years old, a large percentage of the population will now be faced with these issues. As hard as it is to swallow, old age can rob one of hard- won independence. And at some point in time, we’ll all be faced with the reality that we’re unable or unfit to make important calls about finances and medical care. Too often, though, these topics go unaddressed. In a survey conducted by The Family Caregiver Alliance, 81% of respondents said they think about incapacity issues, but only 33% had acted on them. So what prevents many of us from preparing for outcomes that, intellectually, we know we’re all going to face? Facing the Fear of Planning “It’s painful for people to confront the limits of their own mortality,” says Thomas Mierswa, an Executive Director in Morgan Stanley’s Legal and Compliance division. For the most part, we recoil at the thought of ceding control to the debilitating forces of old age, so we choose not to plan for it. Another reason for delay is what’s has been dubbed “the positivity effect.” “People begin to enjoy their retirement—their ‘Golden Years’—and they want everything to be perfect. They don’t want to recognize unpleasantness,” Mierswa explains. “They’re enjoying themselves, but as they’re faced with The One Conversation You Should be Having
  12. 12. 10 Spring/Summer 2018 Financial Planning the onset of physical and mental limitations they begin to feel it all slipping away, and they don’t want to address it. It holds true whether facing one’s own incapacity or that of a parent.” Indeed, for today’s Boomers, denial applies not only to themselves but to their parents as well. “They tend to think they have all the time in the world,” says Mierswa, “and they think it will never happen to them, and they will never be like their parents.” It’s a Matter of Planning—and Paperwork Preparing for incapacity boils down to having the right documents in place that address the need to handle future financial and medical matters if your ability to do so deteriorates. More simply, it’s about identifying people you trust—while you are still able—who can make decisions for you. According to Rocco Procopio, Head of Field Compliance for Morgan Stanley’s Wealth Management business, one tool your advisor can use is an Account Disclosure and Authorized Person Form, through which a client identifies a person or persons who may be contacted if the client displays certain behavior that indicates decreased capacity for making important decisions. The Account Disclosure and Authorized Person Form authorizes a Financial Advisor to discuss your account with someone you trust. The disclosure form does not authorize that person to act on your behalf, though. That requires designating a Power of Attorney, which gives your advisor greater ability to work with an authorized person who can take action on your account. Without these documents in place, your Financial Advisor—upon identifying diminished capacity—may be unable to act in the event of a severe market event or account-threatening situation. Instead, the Financial Advisor will have to wait for the court system to establish legal authority to act on a client’s behalf. Needless to say, such a scenario is less than ideal: “Once we’ve learned there is incapacity, we have to act cautiously—and oftentimes quickly,” Procopio warns. Take These Steps, Too Procopio recommends identifying people that you trust to know about your assets and other personal information. And he stresses that planning for incapacity is not entirely about financial assets; it’s about planning for an entire estate, as well as for healthcare concerns. It’s equally important to identify someone who knows where all of your vital documentation is located— insurance policies, bank account information, military records, and so on—so that it’s easily accessible in a pinch. Also, once you have identified the key individuals who will manage your assets, make health care decisions and administer documentation, make sure to share this information with key family members. In many cases, family members are hurt or surprised by the choice of a key individual. Sharing this information early helps avoid potential conflicts. Finally, make sure to have all of your other documents in place, including: • A standard will • A Revocable Living Trust which is a legal entity created to hold ownership of an individual’s assets • A Medical Power of Attorney for health care decisions • A Living Will to state your wishes for end-of-life medical care • A HIPAA Authorization so a loved one can view your medical records • A “Durable” Power of Attorney to allow your chosen representative to act in your place for medical care and finances This material has been prepared for informational purposes only. It does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Morgan Stanley Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives. Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. © 2016 Morgan Stanley Smith Barney LLC. Member SIPC. All rights reserved. CRC 1554344 (7/16) The Cascade Group, Morgan Stanley Jan Morris, Douglas Berger, and Jason Berger 2011 NW Myhre Rd, Silverdale / 360-613-0212
  13. 13. (360) 337-5700 (800) 562-6418 • Preserve and promote choice in how individuals and families receive long term services and supports • Support families in caring for loved ones while increasing the well-being of caregivers • Delay or avoid the need for more intensive Medicaid- funded long-term services and supports (LTSS) when possible Aging & Long Term Care Promoting the well-being of older adults and assisting them in maintaining their independence. 9857 Silverdale Way NW Silverdale Care for Yourself... ...Care for a Loved One • Support group options • Resources & education • Case manager support • Caregiver lending library • Caregiver respite options • Counseling Presently, the early retirement age is A) 59 B) 62 C) 65 D) 67 Which of the following statements is false? A) The baby boomers have married later than their parents. B) There has been an increase in earning power among men in the baby boomer generation. C) The baby boomers have waited longer to have chil- dren than their parents did. D) The baby boomers have had fewer children than their parents. Which of the following social changes has contrib- uted to the impending depletion of the trust fund that pays Social Security? A) the aging of the baby boom generation B) the significant slowdown in population growth after 1960 C) the fact that people are living longer in old age D) All of these When Social Security was enacted in 1935, the age of eligibility for benefits (the normal retirement age) was set at A) 60 B) 62 C) 65 D) 67 Baby Boomers were born between A.) 1946 - 1964 B.) 1944 - 1962 C.) 1945 - 1965 D.) 1943 - 1966 Baby Boomers remember phones that were A.) Digital B.) There were no phones C.) Attached to the wall D.) None of the above At 1 a.m. or later, what was playing on your TV? A.) Only News & Weather Shows B.) Music Videos C.) Reruns D.) The National Anthem How much was minimum wage in 1950? A.) $0.75 per hour B.) $1.75 per hour C.) $2.50 per hour D.) $5.00 per hour         Baby Boomer Brain Game 1.)B2.)B3.)D4.)C5.)A6.)C.7.)D.8.)A. Answers
  14. 14. 12 Spring/Summer 2018 Financial Planning D isabled individuals are frequently dependent on public benefits. Medicaid exists to help with health care expenses while Supplemental Social Security benefits help with other costs of living such as housing, food, support, and transportation, among other things. The average income provided from Supplemental Social Security benefits is less than $800 per month. To qualify for these benefits, recipients cannot own personal assets in excess of $2,000. This means that these individuals will not have a savings account or emergency fund greater than $2,000. Congress passed the “Achieving a Better Life Experience Act”, known as ABLE, to ensure that disabled individuals can enjoy a better life. The ABLE Act effectively changed the $2,000 limit for many disabled persons by creating the ABLE account (a tax advantaged savings account for individuals with disabilities also called a 529A plan). An ABLE account can receive deposits of up to $14,000 annually. Access to the benefits of an ABLE account is available to disabled persons of any age whose disability began prior to their 26th birthday. Until the passage of the ABLE act, and the creation of ABLE accounts, all funds accepted by, or used for, the disabled person would have to be reported as income and would reduce the monthly Supplemental Social Security payment. They would also jeopardize the disabled person’s eligibility for Medicaid benefits. Now, under the ABLE account, payments made for the benefit of the disabled person do not count as income to the beneficiary. Under the Act, a qualified disabled individual is limited to one ABLE account. Contributions into the account and its subsequent investment growth are allowed to increase the total asset balance of the account, but if the balance of the account exceeds $100,000, distributions from the account will be considered income and would, therefore, affect the disabled person’s eligibility for future Supplemental Social Security payments and Medicaid. The maximum lifetime contribution that can be made to an ABLE account during the lifetime of the qualified disabled person is $500,000. Any residual balance remaining in the ABLE account at the death of the disabled person is subject to the Medicaid payback provisions which require that any residual assets will be used to reimburse the Medicaid program for the cost of services provided to the disabled person during their lifetime. The ABLE account is similar to the 529 Education Savings account, and each state can establish and monitor its own ABLE/529A program. Washington State is currently in development of the ABLE program, but residents need not wait. Many states that have developed 529A plans invite nonresidents to invest in their plans. You may contact a local investment advisor or search the internet for the ABLE plan in the state you are interested in. Ohio has established a popular plan. Other states offering open national enrollment are Tennessee and Nebraska. Florida offers accounts for Florida residents only. Until the establishment of the ABLE account, the primary means for establishing a fund for the benefit of a disabled person was through an Irrevocable Special Needs Trust or a Pooled Trust Account. The ABLE account will meet a different need. While Special Needs Trusts and Pooled Trusts are created for the benefit of the disabled person, they are controlled by a Trustee and used to purchase goods and services for the disabled person. These Trusts are more costly to create, but they can hold larger assets. In contrast, the ABLE account is owned and controlled by the disabled person for the benefit of the disabled person. A major benefit of the ABLE account is that use of the funds for the benefit of the disabled person does not count as income to him/her for purposes of qualifying for Social Security or Medicaid benefits, and like a 529 Education Plan account, the ABLE/529A account’s assets grow tax free. Written by Richard C. Tizzano, a Poulsbo, WA attorney. Richard specializes in the field of Estate Planning, Elder Law and Long Term Care Crisis Management, Strategic Care Cost Risk Mitiga- tion and Sustainability. 360-779-5551 / www.westsoundlegal. com A Plan to Help the Disabled Help Themselves By Richard C. Tizzano
  15. 15. 14 Spring/Summer 2018 Financial Planning 14 S tatistically, housing is the single most significant retirement expense. This makes choosing where to live one of the most important decisions Americans make in retirement. What’s more, as a lifetime recurring bill it dramatically influences what retirees spend in other areas of their lives. Most people feel that they will or should downsize their home in retirement. However, many people in retirement — in fact about 50 percent according to a recent study— buy the same size house or larger. When the house you can afford to buy in your desired location causes you to downsize your expectations when downsizing is not in your plans, financing becomes an important and deciding factor. Let me give you an example. Jim and Mary are both 70 and have $200,000 in equity from the sale of their previous home. The home they want to buy costs $400,000. So how do they buy that $400,000 home with only $200,000 from the sale of their previous home? They have three options. The first option is to pay cash for the new home. They can purchase the home outright by pulling the $200,000 difference out of their investment accounts to come up with the full $400,000. However, they may pay taxes on the cash coming out of the IRA as well as lose the future gains and income from that money. On the positive side, they will have no house payments. However, now all of that cash is tied up in equity for the rest of their lives. The second option is to pay 20 percent down on the new home. That uses $80,000 of the sale price from their previous home but now Jim and Mary have monthly payments of principal and interest. Those costs add up to over $580,000 in total payments over a 30-year retirement. In this scenario, Jim and Mary build equity but doing so greatly reduces their retirement cash flow. The third option is a new type of reverse mortgage insured by the Federal Housing Administration (FHA). It is called a Home Equity Conversion Mortgage or HECM. An HECM for Purchase, commonly called an H4P, was made available in 2009. The H4P is available to anyone over the age of 62 or to couples if at least one buyer is over 62. It requires basic credit in addition to income qualifications that are less stringent than qualifying for a traditional mortgage. Homebuyers need to come up with a down payment that falls between 25 percent and 60 percent of the home’s purchase price depending on the homebuyer’s age. The older you are, the smaller the required down payment. The greatest benefit to this plan is that homebuyers can leverage their available money to buy a higher value home and yet never pay a mortgage payment again. Under H4P, homebuyers only pay property taxes and home insurance. Back to Jim and Mary. The couple could use the $200,000 as their down payment at closing and the HECM loan would fund the other $200,000. They would have no mortgage payments for the rest of the time they lived in the home. When Jim and Mary move out of the house or they pass away, the proceeds of the sale of the home would pay off the HECM mortgage balance, and any equity left would go to Jim and Mary or their heirs. Very important note: FHA and HUD insure The HECM and the FHA MIP fund any shortfall in equity and Jim and Mary’s heirs would owe nothing. This provision eliminates all the risk of real estate price fluctuations and life longevity. Revisiting Jim and Mary’s options, they can: Use the $200,000 from the proceeds of their home sale, and buy a smaller, cheaper house in a less expensive locale; or Pay $400,000 cash using the $200,000 from the sale of their home and another $200,000 from their retirement fund and tie up all their cash in equity; or Finance 80 percent, making mortgage payments every month resulting in paying $660,000 over the rest of their retirement; or Pay $200,000 cash in a one-time down payment, finance the balance of a $400,000 home with a HECM for Purchase loan and never make a mortgage payment again, only pay property taxes and insurance as long as they live in the home. So if you were Jim and Mary, what would be your choice? By Joan Qvigstad, Senior Reverse Mortgage Planner Fairway Mortgage 3 Ways to Finance Your Retirement Home
  16. 16. 16 Spring/Summer 2018 Health Care C heck out this shocking number…100 million Americans. That’s the number the Centers for Disease Control and Prevention estimates either have diabetes or prediabetes. If you’ve driven down a highway, you’ve likely read a billboard for prediabetes. The most telling part of that sign comes from the words “Guy-stuck-in-traffic” or sometimes “Guy- waiting-for-the-bus,” or something similar. The reason? A large number of diabetics and prediabetics don’t know they have the disease. If you are over the age of 65, the likelihood that you have diabetes of one form or the other, whether you are aware you have it or not, is nearly 50 percent. So, what is diabetes? Whether you eat fast food, chef created food miracles, or something in between, your body turns the food you eat into glucose. Glucose is a type of sugar that your body uses to create energy. In a healthy body, that glucose would cause the pancreas to release insulin. Insulin makes it possible to convert that glucose into energy. However, several things can go wrong with that system. The most severe form of diabetes is called Type 1 Diabetes and usually occurs in young people. Type 1 Diabetes is a type of autoimmune disorder in which the body’s immune system attacks the pancreas as if it were a foreign body. • Food, friends and fun for those aged 60+ years • Community dining meal sites serving healthy and delicious hot meals Monday to Friday at 12pm • Nutritious, well-balanced meals delivered to medically-homebound individuals • Senior Farmers Market Nutrition Program— seasonal fresh produce program for income- qualified seniors (June-October) • Dietary counseling and nutrition education services • Volunteer opportunities available Serving “more than a meal” since 1973 360-377-8511/888-877-8511 50 Percent of Seniors Are Diabetic: Are You One of Them?
  17. 17. Health Care Remember from up in the previous paragraph that insulin converts glucose into energy. In Type 1 Diabetes, there is no insulin. The sugar does not get converted. Instead, it builds up in the body and can eventually starve the cells depending on the glucose. Left untreated Type 1 can damage eyes, kidneys, nerves and the heart and potentially lead to death. A small number of diabetics have Type 1. Nearly everyone has Type 2. Type 2 Diabetes is usually associated with older adults; i.e., those over the age of 35. Unfortunately, a growing number of American youth develop diabetes well before adulthood. People with Type 2 Diabetes produce some of their own insulin but it’s usually not enough and sometimes the insulin acting as a key to open cells and allow glucose to enter fails. Prediabetes doesn’t have symptoms. But, without medical intervention, prediabetes often becomes diabetes. That’s why knowing whether you are diabetic or not is so important. Diabetes and prediabetes requires a medical diagnosis. Lab tests or imaging is always required. You might be moving from prediabetes to diabetes if you have increased thirst, frequent urination, fatigue, or blurred vision. Prediabetes is a chronic disease that can last for years or be a lifetime disease. The bad news is that without intervention, prediabetes is likely to become diabetes within 10 years. The good news is that it isn’t inevitable. A diagnosis of prediabetes can be turned around with lifestyle changes, weight loss, and medications. Back to those billboards. While many people know they have diabetes, about 24 percent of those with diabetes don’t know they have it or they don’t report it. There are risk factors associated with it so if you are obese, sedentary, smoke, or have high blood pressure, high cholesterol or high blood glucose you may be aware that you have diabetes or that you could have diabetes. However, for many people that don’t have diabetes but have those high risk factors it is really a matter of they don’t have diabetes yet. Don’t be complacent. The reason why there is such a focus on diabetes is that people with diabetes have increased risk of stroke, heart attack, amputation, and now scientists link it with Alzheimer’s disease and dementia. If the secret to avoiding some of the most insidious and heartbreaking diseases is early detection, exercise and lifestyle changes, then don’t you want to be in on the cure? Improving the Lives of People Affected by Kidney Disease 360.479.5908  Services & Treatments for Chronic Kidney Disease or End State Renal Disease Family Support social workers (MSW) Home Hemo Dialysis portable dialysis machine in the comfort of your home In-Center Hemo Dialysis outpatient treatment normally 3 times per week Kidney Transplant alternative to dialysis therapies Nutrition Support registered dietitians on staff Peritoneal Dialysis daily treatment in the comfort of your home POULSBO 19472 Powder Hill Drive PORT TOWNSEND 2500 W Sims Way, Suite 102   BREMERTON 2613 Wheaton Way BREMERTON 2740 Clare Ave   convenient locations A community-based nonprofit organization committed to serving chronic kidney disease patients. PORT ORCHARD 450 S Kitsap Blvd., Suite 178 
  18. 18. 18 Spring/Summer 2018 Health Care B eginning in the 1990s, physicians were encouraged to view pain as the "fifth vital sign." As a result, they began using opioid medications to treat pain, causing opioid use to dramatically increase. The results were so extreme that medical groups began requesting that the Joint Commission re-examine pain and scrap assessments relying on patient’s satisfaction with their own pain. It’s not that pain receded for patients, it’s that owing to drug manufacturers and doctors expanded use of opioids, Americans had a far more serious problem. Chronic pain, by definition pain that lasts for months or even years, impairs the sufferer’s ability to function normally. Because pain is so subjective, each person feels a unique level of pain even in those situations of similar conditions and levels of pain. That makes pain difficult enough to treat but according to a 2015 report by the National Institute of Health (NIH), more than 25 million Americans suffer pain on a daily basis. While numbers vary greatly, researchers estimate that 39 million US adults experience pain on a regular basis. Those two numbers fueled a national trend for prescription painkiller abuse and added to an epidemic of death by painkiller and a corresponding rise in heroin overdose. Americans with a pain category of 3 or 4 were more likely to have a worse health status, use more health care and suffer from more disability according to the "Journal of Pain", a medical journal published by the American Pain Society. This trend has been on the national conscience for long enough that Americans are looking for other options. A 2017 Pew Research Study found that 76 percent of the public says that prescription drug abuse is an extremely or very serious public health problem in America. Complementary treatments such as acupuncture and yoga and natural products such as cannabis, which offer sufferers a more holistic means for controlling pain and reducing the risk of getting addicted to painkillers are meriting more consideration. As an increasing number of Americans view legalizing marijuana for recreational use, 29 states – plus the District of Columbia, Guam and Puerto Rico – have legalized the drug for medical purposes. That national trend towards legalizing medical marijuana has allowed cannabis use to leap to new levels as sufferers look to medical marijuana to treat pain, nausea (especially from cancer treatments) and the side effects of medical treatments as well as diseases such as ALS, Crohn’s disease, epilepsy, MS and terminal illness. Medical marijuana comes in several form: oil, pill, vaporized liquid, nasal spray, dried leaves and buds and the plant and is used to treat disease or relieve symptoms. Some medical marijuana provides relief with the effects associated with recreational marijuana but many do not. The problem at least for the short term is that for many, the use of marijuana is associated with “getting high” whether that’s the case or not. As a result, few studies exist to back claims that important medical use really does exist. Still, there are some studies beginning to do just that. A 2011 University of California San Francisco (UCSF) study Medical Marijuana: On the Frontlines for Battling Prescription Drug Abuse and Pain
  19. 19. Health Care Learning about the plant with a purpose Hwy 420 Herbalist | 11493 Clear Creek Rd, NW, Silverdale,WA 98383 360-440-8671 | |Located next to Hwy420 Cannabis Store and Annex Cannabis & CBD Benefits For You & Your Pets • Pain management & anxiety relief • Inflammation treatment • Aging health issues • End of life comfort • Pets pain management • PTSD Convenient, personal and professional one on one consulations HerbalistHerbalistHerbalistHerbalist In 2015, more Washingtonians died from opioid overdose than died from car accidents. suggests that a combined therapy of cannabis or medical marijuana with an opiate treatment could reduce opiate dosages. That's been backed up by a recent study in the Journal of American Medical Association (JAMA) that found that medical cannabis policies could prevent opioid harm and lower opioid use in pain sufferers. JAMA’s study was confined to Medicare Part D populations. Neither JAMA nor other medical studies recommend patients self-medicate. Rather they recommend having an open discussion with your doctor about whether or not cannabis might be the right choice for helping control pain. Which all sounds good in theory, but researchers and physicians complain that conflicts between state and federal law prevent all but the thinnest scientific research. There's a long way to go. Marijuana use remains illegal under federal law. This often creates conflicts for doctors looking for other options for their patients. Veterans Administration doctors, for instance, are not allowed to subscribe or recommend cannabis as a treatment, even in states where medical marijuana is legal. With the federal government considering marijuana a Schedule 1 drug, lack of research on the benefits of marijuana or its active ingredients leaves patients and their physicians without proper guidance for using it as a treatment. Despite that restrictive environment, the Society for the Study of Addiction published a report in 2016 that found that cannabis use among adults 50 years and older has increased significantly in the past 50 years, a conclusion that many both in and out of the medical field smacks of “duh.” Still, it may very well be that aging hipster or not, Baby Boomers who are on the whole not strangers to marijuana may be the kick in the pants needed to allow researchers something other than anecdotal stories to build upon when looking for studies to back a prescription of medical marijuana.
  20. 20. 20 Spring/Summer 2018 Health Care F or many of us, looking toward the future can be both exciting and nerve-wracking. Our hopes and dreams tend to assemble around one common goal: staying healthy. It is no secret that the earlier we start taking care of ourselves; the more likely we are to experience success down the road. So how do we maintain our vibrant selves for years to come? A typical vision of optimal health might conjure up images of procedures, pharmaceuticals, and even surgeries. Traditional Chinese Medicine (TCM) offers an alternative and effective solution to those options. Imagine a medicine based upon real physiology derived through anatomical study; methodically practiced by the best minds of every generation; and proven to work in hundreds of millions of case studies. This is the story of TCM. This 3,000-year old medicine is no longer on the fringes of modern healthcare; it is an integral part of its future. TCM, a complete medical system, diagnoses and treats systemic diseases using herbs, acupuncture, nutrition, and exercise. It focuses on the circulatory system. Your blood and its vessels deliver oxygen and nutrients to the body. Through the combined use of acupuncture and herbs, TCM works to open and strengthen the circulatory system and aids in calming an agitated nervous system. Acupuncture, the physical therapy side of Chinese Medicine is used mostly for pain relief. Hundreds of studies around the world have proven its effectiveness in eradicating pain. Acupuncture provides the perfect assistance to your body because it addresses the problem at its source. Naturally-occurring painkillers called enkephalins re-awaken the body’s own pain-relieving abilities. The National Institute of Health supports acupuncture as one of the best methods of pain relief. The largest treatment modality of TCM, by far, is herbal therapy. For many, the use of both herbal therapy and acupuncture is the best tactic. With over 4000 herbs in the Chinese pharmacopeia, a typical herbal formula contains approximately 6 to 30+ herbs. There are many different ways that TCM can benefit your long-lasting health, but that does not mean it supersedes recommendations from your general practitioner (GP). One interaction between an acupuncturist and a GP happens when a patient’s condition changes so dramatically that they are advised to stop taking certain medications. TCM tackles problems before they lead to long-term illness. As part of its commitment to outreach, the Acupuncture & Wellness Center in Poulsbo, led by clinic director Robert Doane, has sought to inform the local community about TCM. In addition to one-on-one treatments with patients, the desire for more widespread involvement in local businesses has laid the groundwork for some truly inspiring success stories. Take the Benik Corporation, a Kitsap County business, which turned to the clinic in order to help its workforce. Recent research has shown that the psychological effects of a stressful workday have a direct impact on our home life habits. The more stressed we are, the more likely we are to eat junk food. This causes poor sleep, which then makes the next morning at work stressful... and on the cycle goes. It affects both our personal and professional lives. Benik Corporation President, Tim Baumgartner saw an opportunity to combat those issues through fostering a better working environment for everyone in his company. “Over the course of this past year we have noticed fewer employee doctors’ visits, reduced time off for illness, and greater harmony in the workplace,” says Baumgartner after his employees began treatment with the Acupuncture and Wellness Center. “With all of this, we have noticed more production as well.” Not only are employees happy and healthy, but production has increased as fewer members of staff are taking time off to convalesce. Robert Doane’s specially designed Medical Pulse Diagnosis (MPD) is a diagnostic technique that allows the practitioner to assess a person’s organ health by the many different qualities of the pulse. Acupuncturists can learn far more than just a person’s heart rate using this unique skill. TCM takes a drug-free approach to tackling problems at the root and getting rid of them for good. Robert Doane and the staff at the Acupuncture & Wellness Center pride themselves on addressing chronic health complaints by discovering the real issues underlying visible symptoms and helping patients experience what it means to have true health. Article by Gem Seddon courtesy of Acupuncture & Wellness Center, Poulsbo, (360) 394-4357 / How TCM Can Make a Lasting Difference to Your Health By Gem Seddon
  21. 21. Health Care LIVE LIFE PAIN FREE.By proactively controlling your health, you can be pain-free, independent and live the life you’ve always dreamed of. SOME OF THE CONDITIONS WE TREAT: • Chronic Pain • High Blood Pressure • Neuropathy • Depression • Diabetes • Memory Loss • Fatigue • Joint Pain • Fibromyalgia Call (360) 394.4357 to take the first step. 18870 8th Ave NE • Suite 108 • Poulsbo, WA 98370 O ne of the largest C hinese M edical C linics in the U SA , right in your backyard.
  22. 22. 22 Spring/Summer 2018 Health Care All over the world, some of the nation’s toughest fighters train several times each week. But they don’t fight each other; they fight a single opponent —Parkinson’s disease. A doctor diagnosed Marion County Prosecutor Scott Newman with Parkinson’s disease at age 40. (PD). The rapid progression of the symptoms associated with young onset PD impaired his ability to do his job. A friend, who was also an attorney and a former Golden Glove boxer, offered to teach him to box as a way to keep him moving and combat his symptoms. At the time, Scott who was struggling with typing and writing and needed to do both for his job thought, “what have I got to lose?” They hung up a heavy bag in Scott’s basement and began boxing training. Within a few months, Scott began to see some physical improvements and a reduction of many of his symptoms. Other people with PD began to take notice and wanted to do what he was doing. PD is a progressive, incurable, neurodegenerative movement disorder, which causes deterioration of motor skills, balance, speech, and sensory function. The Parkinson’s Foundation estimates there are more than 1.5 million people in the United States suffering from PD, and more than 60,000 people receive a diagnosis of PD each year. Experts predict that the number of people with PD will double by 2040. Scott founded Rock Steady Boxing (RSB) to offer classes to people with PD and hired professional world champion boxer Kristy Rose Follmar to teach and design the classes. RSB held its first class in October 2006 for six boxers. Indianapolis’ RSB was the first gym in the country dedicated to the fight against PD. Professional boxers condition for optimal agility, speed, muscular endurance, accuracy, hand-eye coordination, footwork, and overall strength to defend against and overcome opponents. At RSB, PD is the opponent. The RSB program existed only in Indianapolis until 2012 when Joyce Johnson joined the staff as its first full-time Executive Director. She led the development of Training Camp and the replication of RSB in other communities. Johnson’s mother suffered from Parkinson’s for many years before she passed away. According to Johnson, “I have been blessed by an opportunity to work with an organization that provides hope. I wish my mother could have experienced the camaraderie and friendships that characterize the Rock Steady experience.” RSB’s success and associated publicity created a demand to replicate the RSB program. The headquarters in Indianapolis receives calls each week from people all over the world who want an RSB program in their hometown. Each month more than 25,000 people participate in boxing-inspired exercises in RSB programs around the world. Instructors adapt exercises from boxing drills and vary them depending upon the individual’s fitness and progression of symptoms. Fighting an Opponent You Can't See MarcMorrison
  23. 23. Health Care Putting the Needs of our Patients First Dr. Mark Hoffman, Dr. Teresa Andersen, Dr. Brad Andersen, Dr. Charles Power Providing the Best Quality Care • Members-Only Relational Primary Care (RPC) Practice • Membership $150 Annually • Most Insurances Accepted • New Patients Welcome • Founded in 2009, Independently Owned Practice • All 4 Physicians are local community members Hours of Operation: Monday - Friday, 7:30 am - 5:00 pm 22180 Olympic College Way NW, Suite 201, Poulsbo 360-394-3500 RSB clients attest to, and academic institutions such as University of Indianapolis and Purdue University, report and document, improved quality of life – both physically and cognitively – among RSB boxers. Their research demonstrates that forced, intense exercise may actually be neuroprotective, slowing the progression of the disease. Discovery of a cure may be many years away but in the last ten years, ample evidence exists that those participating in the RSB program experience systematic improvement. National Parkinson’s organizations, such as the Michael J. Fox Foundation or National Institute of Neurological Disorders, have invested hundreds of millions of dollars in research to find a cause and a cure, but to date they have been unsuccessful. It may be years before scientists find a cure and years more before the FDA approves treatment. People with PD need help today to maintain their quality of life, independence, and dignity, while they wait for a cure. As of this writing, RSB has trained more than 1,500 coaches and established 550 affiliates in 50 states and Puerto Rico. There are also 28 affiliate locations in eight countries – Canada, Italy, Japan, Norway, Sweden, Australia, Scotland, and the Netherlands. To bring a Rock Steady program to your community, there is a required 2-day “Training Camp” held in Indianapolis that prepares coaches to establish RSB programs in their home communities. Visit the Rock Steady website, www., and click on the “Become an Affiliate” tab, or call 317-205-9198. Rock Steady Boxing (RSB), a 501(c) 3 nonprofit organization founded in Indianapolis in 2006, gives people with Parkinson’s disease (PD) hope by improving their quality of life through a non-contact, boxing-inspired fitness curriculum. RSB’s mission is to empower people to “fight back” against Parkinson’s disease. The organizations big, bold vision is to provide an opportunity for people all over the world, who are diagnosed with PD, to participate in an RSB program in their own community. They dream of the day when the neurologist says, “You have Parkinson’s disease,” and follows it with, “and there’s an RSB program in our community where you can fight back.” To see a Rock Steady Boxing program in action, visit the Tom Taylor YMCA Rock Steady Boxing South Sound, 10550 Harbor Hill Drive Gig Harbor, WA 98332, 253-678-0927, http://southsound. rsbaffiliate. Rock Steady Boxing, Inc. 7440 N Shadeland Ave., Suite 202, Indianapolis, IN 46250 317.205.9198
  24. 24. 24 Spring/Summer 2018 Health Care M any women find the subject of incontinence tough to broach with their healthcare provider. Some feel embarrassed. Others hesitate because they believe that surgery is their only option. To cope, they typically resign themselves to wearing pads and limiting their activities. “I think it’s hard for them to bring up because it’s a private matter,” said Dr. Anita Alvestad-McIntyre, an obstetrician- gynecologist with Kitsap OBGYN, PLLC. “As practitioners, we try to bring this problem to light.” Dr. Alvestad-McIntyre says the procedures addressing incontinence or pelvic prolapse are high risk, and frequently fail. The recurrence rate for prolapse and incontinence is also high after those procedures, which is why she often suggests conservative therapy to her patients — including physical therapy. “Physical therapy is very effective, especially if I can catch women at an early stage,” she said. “It’s conservative therapy for the long term to try to avoid surgery or having to use other devices.” Like many women with pelvic floor weakness, Melanie Herr, 68, stopped doing many of the activities she once enjoyed. After diagnosis, her doctor referred her to Kitsap Physical Therapy where her treatment included stretches to improve the function of the pelvic muscles, deep breathing to engage the abdominal muscles, and other techniques. “I haven’t had to wear a pad for weeks and weeks,” Herr said following her treatment. Herr is so excited about her success that she now talks to other women about it, telling them they don’t have to live with it. “I never thought I would discuss my bladder or pelvic floor issues with anyone.” Taking a holistic approach The exact cause of incontinence may be difficult to pinpoint because many factors can be involved. One myth is that it is a natural occurrence for women due to giving birth or menopause. Weakness in the pelvic floor, poor nutrition and dehydration, low estrogen, and even anxiety and depression can all play a role. When patients receive referrals to Kitsap Physical Therapy, a therapist considers those factors before implementing a treatment plan. Treatment plans can include stretching and other exercises, along with strategies such as dietary change to eliminate Finally, an Effective Treatment Option for Incontinence: 25 Million Americans Experience Incontinence or Urgency/Frequency It's 3.6563" wide X 4.7813" high When living at home is no longer an option, I want a place.caring Our mission is to exceed your expectations for loving, thoughtful memory care, in a secure community focused on independence and life enrichment. ~ Respite and Daycare Services Also Available Please call or drop in for a tour, a meal and more information. San Juan Villa Memory Care Community 112 Castellano Way Port Townsend, WA 98368 Phone: 360-344-3114
  25. 25. Health Care For more info visit or call today for your FREE consultation Pelvic Floor Dysfunction (PFD) can be a socially embarrassing condition, causing withdrawal from community situations and reducing your quality of life. Bainbridge Island (206) 842-6288 Bremerton (360) 792-1015 Kingston (360) 297-7050 Port Orchard (360) 895-9090 Poulsbo-NKMC (360) 779-3764 Poulsbo-Village (360) 779-3777 Silverdale (360) 613-1834 LICENSED & BOARD-CERTIFIED SPECIALISTS locations to serve you7 • Can you only hold your bladder for 2-4 hours between emptying? • Do you get up in the middle of the night to urinate? • Do you leak when you cough, jump, or get out of a chair? If you answered YES to any of these questions, ask your insurance* or primary care provider if you can schedule with a pelvic health specialist. *Some insurances do not require a referral from your primary care provider. Physical Therapy is often the first line of treatment before surgery and medication, and is effective in helping you become the boss of your bladder. Are You Afraid to Sneeze or Fear "having an accident?" irritants like caffeine and recommendations for estrogen replacement. KPT physical therapist Kara Bermensolo knows the problem first hand. She suffered from incontinence as a competitive gymnast when she was young - due to stress, poor diet, and performance anxiety. Now, Bermensolo specializes in treating women who have pelvic floor dysfunction resulting in incontinence and other problems. She says women who undergo physical therapy need to be patient because results take weeks, and even months. “To change 20 years of habits in six weeks is a challenge,” Dr. Alvestad-McIntyre says most of her patients who try physical therapy are happy with the results. “With physical therapy, they get a much better understanding of how their body works,” she said. “They can take better care of themselves in the long run.” Kitsap Physical Therapy treats an array of pelvic health issues such as: • Pelvic Pain • Incontinence (urinary and fecal) • Constipation • Pelvic Organ Prolapse • Sexual Dysfunction (desire, tissue pain, vaginal dryness, orgasm) In cases where all other medical causes have been ruled out and pharmacological management, general PT or surgical management have been exhausted or proved ineffective, a referral to a pelvic health specialist would be a next conservative option for evaluation and treatment. A pelvic health specialist can do a screening to determine whether pelvic physical therapy is needed or not. Symptoms include: • SI Joint (hip pain) • Sciatic pain • Coccydynia (tail bone pain) • Lower Back Pain (50% of women with incontinence or low back pain have a pelvic floor dysfunction) • Organ Pain (pelvic floor dysfunction can often feel like organ pain) Specialists are available at KPT’s offices in Port Orchard, Bremerton, Silverdale, Poulsbo, and on Bainbridge Island. For more information, visit Written by: Kara Stadshaug, PT, DPT, CLT, PHC - Kitsap Physical Therapy and Dr. Alvestad-McIntyre is board-certified in OB/GYN
  26. 26. 26 Spring/Summer 2018 Health Care H mmmm. Buzzzz. I awoke one morning and thought a mosquito was in the room only to discover that instead it was an incessant, irritating noise that continues to occupy my head ever since that first detection. While my audiogram indicates that my hearing lies within normal range, it certainly isn’t what it used to be and the gradual deterioration of hearing that comes with the aging process has left me with constant sounds in my head. Tinnitus, commonly called ringing the in ears, is a condition characterized by ringing, humming, buzzing, or other noises that appear to be originating in the ear or head. Not normally a dangerous or serious problem, tinnitus is usually a symptom of some other underlying condition with the most common cause being hearing loss. While tinnitus can be extremely irritating, it rarely progresses into a serious problem, but research has linked it to other issues such as fatigue, stress, high blood pressure, depression, and anxiety. The most common cause of tinnitus has been identified as damage to the inner ear. Tiny, delicate hairs in the inner ear move in relation to the pressure of sound waves. This triggers the hair cells to release an electrical signal through a nerve from the ear to the brain and the brain interprets these signals as sound. While hearing loss is the most common cause of tinnitus, other common causes may include repeated exposure to loud noise, side effects from certain medications such as antibiotics, chemotherapy drugs, diuretics, and aspirin taken in high doses. Twelve million Americans have tinnitus and one million experience it so severely it interferes with their daily activities. The condition can have a serious effect on a person’s quality of life, particularly in the period after the person is initially affected. Coping with these unsettling noises can be debilitating, leading to anxiety and depression, loss of interest in work, leisure activities, and relationships. Many individuals report that tinnitus disturbs their sleep and even interferes with their concentration. Unfortunately, other’s lack of understanding of a condition that is not visible can increase a person’s isolation. Ringing in Your Ears May Indicate Hearing Loss Mkedzie
  27. 27. Health Care Dr. Robin Fiscus Doctor of Audiology (360) 373-2571 Use your benefits! Simply HEAR at Simply Hear! • Calling ALL PSNS Workers for an Independent Hearing Screening • Preferred VA Choice Provider • We file OWCP Hearing Loss claims, navigate the paperwork & help you get the benefit you deserve • Digital Tinnitus Technology • Most Insurances accepted Don’t miss out... ...start hearing tomorrow 2635 Wheaton Way Bremerton Listen upListen up Bremerton - 9/8 Port Angeles - 9/22 JOIN THE FIGHT FOR ALZHEIMER’S FIRST SURVIVOR According to the National Institute on Deafness and Other Communication Disorders (NID-CD), tinnitus affects almost 12 percent of men and 10 percent of women aged 65 to 74 years of age. One in ten of these are significantly troubled by the persistent sounds in their head. With time, the great majority of people do learn to live with tinnitus, and have a good quality of life in spite of it. If the tinnitus is caused by a hearing loss, hearing aids provide relief from these irritating and sometimes debilitating noises. If you suffer from the effect of tinnitus the first steps towards remediation is getting a comprehensive hearing evaluation. If the buzz you hear is in your head call an audiologist today. What do you have to lose, but perhaps your hearing! Article Written by Dr. Robin Fiscus, AuD, Doctor of Audiology Simply Hear, 2635 Wheaton Way, Bremerton (360) 373-2571 Mention this article and you will receive a complimentary hearing screening
  28. 28. 28 Spring/Summer 2018 Housing Choices M inimize the risk of senior hospitalization by reducing the risk of falls and accidents. According to the Centers for Disease Control and Prevention (CDC), one of three older adults over age 65 falls each year, but less than half will bring their accident to the attention of a healthcare provider. Falls are the leading cause of fatal injury and the most common cause of nonfatal trauma-related hospital admissions among older Americans. “A fall is a warning sign as it is considered a symptom of another issue,” said Dr. Carolyn Clevenger of Emory University, president-elect of the Gerontological Advanced Practice Nurses Association (GAPNA). As people age they experience natural aging affects, such as stiff joints, poor eyesight, and decreased muscle strength along with poor balance. Natural aging along with chronic conditions, such as cataracts, arthritis and Parkinson’s disease, can increase their risk of falling. Environmental changes that can limit exposure to fall risks include: • Removing clutter from pathways. • Arranging furniture to make rooms easy to navigate. • Removing or securing throw rugs. • Encouraging the use of assistive devices to retrieve items from high shelves. • Using a cane when walking on uneven surfaces. • Wearing shoes with non-slip soles. • Avoiding walking in stocking feet on wood floors. • Replacing traditional shoe laces with elastic ones that won’t come untied. • Organizing the house so items used most frequently are at waist level in order to minimize the need to bend or climb. • Applying high-contrast colored tape to top and bottom of stairs and thresholds. • Improving the lighting in the home particularly to stair- ways. • Using a night light and/or leaving a light on in the bath- room to reduce the risk of falls in the dark. • Installing and using handrails. • Keeping one hand free when walking to provide an op- tion for grabbing onto a sturdy object to stop a fall. • Minimizing distractions and remaining focused while walking. • Allowing plenty of time for activities and tasks. According to the CDC, older adults can stay independent and reduce their chances of falling if they: Exercise regularly. One potential problem for older adults is inactivity. Lack of exercise can lead to weak legs and this Help Prevent Senior Falls Juanedc
  29. 29. Housing Choices increases the chances of falling. It is important that the exercises focus on increasing leg strength and improving balance, and that they get more challenging over time. Tai Chi programs are especially good. Ask their doctor or pharmacist to review their medicines— both prescription and over-the-counter—to identify medicines that may cause side effects or interactions such as dizziness or drowsiness. Have their eyes checked by an eye doctor at least once a year and update their eyeglasses to maximize their vision. Consider getting a pair with single vision distance lenses for some activities such as walking outside. To help assess the potential for falls, check out the videos titled "Prevent Senior Falls: Assessment and Balance Exercises", available at: senior-safety/prevent-hospitalizations/assessment-and- balance-video/ which will help caregivers gauge an older adult’s potential risk for falls and provide examples of exercises that could help to build balance. Article submitted by: Brian Jackson, Owner Home Instead Senior Care Port Angeles to Port Ludlow (306)681-2511 We’re by your side so you can stay in your own home. Whether you are looking for some help for a few hours a week or need more comprehensive assistance, Home Instead can help. Gig Harbor to Bainbridge Island 360.782.4663 Port Angeles to Port Ludlow 360.681.2511 Call for a free, no- obligation appointment Home Instead CAREGivers can provide a variety of services. Some include: • Companionship Care • Transportation • Hospice Care Support Services • Personal Care • Household Duties • Meals & Nutrition • Respite Care • Memory Care Daughter. Friend. Caregiver. She’s always taken care of you, and now you’re taking care of her. Let Discovery Memory Care help in this new stage of life. Our specialized Memory Care Community can provide you, Mom, and your entire family, with the comfort and support you need. We are a professionally managed Community providing assisted living for residents with memory loss. Our experienced team of caregivers will help make the transition as easy as possible so you can focus on being a daughter and a friend. 408 W. Washington Street Sequim, WA 98382 Call and ask about our FREE educational workshops and events! (360) 775-2948
  30. 30. 30 Spring/Summer 2018 Housing Choices A s more and more baby boomers enter retirement age, the question of whether or not to sell their homes and move will become a hot topic. In today’s housing market climate, with low available inventory in the starter and trade-up home categories, it makes sense to evaluate your home’s ability to adapt to your needs in retirement. According to the National Association of Exclusive Buyers Agents (NAEBA), there are 7 factors that you should consider when choosing your retirement home. 1. Affordability “It may be easy enough to purchase your home today but think long-term about your monthly costs. Account for property taxes, insurance, HOA fees, utilities – all the things that will be due whether or not you have a mortgage on the property.” Would moving to a complex with homeowner association fees actually be cheaper than having to hire all the contractors you would need to maintain your home, lawn, etc.? Would your taxes go down significantly if you relocated? What is your monthly income going to be like in retirement? 2. Equity “If you have equity in your current home, you may be able to apply it to the purchase of your next home. Maintaining a healthy amount of home equity gives you a source of emergency funds to tap, via a home equity loan or reverse mortgage.” The equity you have in your current home may be enough to purchase your retirement home with little to no mortgage. Homeowners in the US gained an average of over $14,000 in equity last year. 3. Maintenance “As we age, our tolerance for cleaning gutters, raking leaves and shoveling snow can go right out the window. A condominium with low-maintenance needs can be a literal lifesaver, if your health or physical abilities decline.” As we mentioned earlier, would a condo with an HOA fee be worth the added peace of mind of not having to do the maintenance work yourself? 4. Security “Elderly homeowners can be targets for scams or break- ins. Living in a home with security features, such as a manned gate house, resident-only access and a security system can bring peace of mind.” As scary as that thought may be, any additional security 7 Factors to Consider When Choosing a Home to Retire In Teri Tennyson KITSAP SENIORS REAL ESTATE (360) 440-6211 “It’s about more than selling a house” Uniquely Qualified Seniors Real Estate Broker 25+ years combined experience in Real Estate, geriatric and construction services. Real Estate Transitioning SERVICES • Individual customized plan • Seller, buyer representation • POA, estate sales, wills, probates and trusts experience • Trusted service provider referrals • Home safety assessment • Worldwide relocation contacts  9226 Bayshore Dr. NW, #140 Silverdale, WA 98383
  31. 31. Housing Choices Olympic Medical Physicians provides high-quality medical care across a range of specialties, including: Cardiology • Family Medicine • Gastroenterology • General Surgery Internal Medicine • Oncology • Orthopaedic Surgery • Neurology • Pediatrics Pulmonary Medicine • Sleep Medicine • Urology • Women’s Health Olympic Medical Physicians is a division of Olympic Medical Center. Visit for details. Gastroenterolo- Cardiolo- Urolo- Oncolo- Gynecolo-} You get the gist. (360)565-0999 and an extra set of eyes looking out for you always adds to peace of mind. 5. Pets “Renting won’t do if the dog can’t come too! The companionship of pets can provide emotional and physical benefits.” Evaluate all of your options when it comes to bringing your ‘furever’ friend with you to a new home. Will there be necessary additional deposits if you are renting or in a condo? Is the backyard fenced in? How far are you from your favorite veterinarian? 6. Mobility “No one wants to picture themselves in a wheelchair or a walker, but the home layout must be able to accommodate limited mobility.” Sixty is the new 40, right? People are living longer and are more active in retirement, but that doesn’t mean that down the road you won’t need your home to be more accessible. Installing handrails and making sure your hallways and doorways are wide enough may be a good reason to look for a home that was built to accommodate these needs. 7. Convenience “Is the new home close to the golf course, or to shopping and dining? Do you have amenities within easy walking distance? This can add to home value!” How close are you to your children and grandchildren? Would relocating to a new area make visits with family easier or more frequent? Beyond being close to your favorite stores and restaurants, there are a lot of factors to consider. Bottom Line When it comes to your forever home, evaluating your current house for its ability to adapt with you as you age can be the first step to guaranteeing your comfort in retirement. If after considering all these factors you find yourself curious about your options, let’s get together to evaluate your ability to sell your house in today’s market and get you into your dream retirement home! “Article sourced with permission from”. Article Submitted by: Teri Tennyson, SRES, Kitsap Seniors Real Estate 360-440-6211
  32. 32. 32 Spring/Summer 2018 Housing Choices B ill and Rosy sheepishly open the door to the spare bedroom they share as an office. “It’s not always like this,” Rosy tells me without much conviction. Then adds with a sigh, “Well, actually it is. I’m so embarrassed.” Bill squeezes his wife’s hand. “She hasn’t been well and I just can’t do what I used to.” Bill and Rosy are in their mid-80s, living in what used to be their dream home. They no longer feel this is the best choice for them. The office is hip-deep in boxes accumulated over years, filled with mail, magazines and financial documents. Yellow and pink sticky notes dot every surface, silent reminders of unfinished business. They want to sell the house and move into a local retirement community — something we now call “right- sizing.” It means choosing to live in a space that is a good fit based on current needs, abilities and limitations. Nice idea. But if you have lived in a large house for years, maybe decades, getting from here to there is a daunting challenge. In fact, the very thought can be paralyzing. Bill and Rosy stare balefully into the office. Bill explains, “We keep meaning to get organized and clean it up. We have two nice desks under all that! Rosy laughs, “But every time we look at the mess, we immediately feel tired and decide to take a nap!” She shuts the door, demonstrating how to magically deal with the problem. “Would you like some tea?” That was five years ago. Since then, I have worked with hundreds of older adults faced with the physical and emotional challenges of downsizing and relocating. Regardless of their differences, they have all had one thing in common. They feel overwhelmed. Moving is ranked by mental health professionals as one of the top five most stressful life events. As we get older, the stress is even greater. We are trying to navigate the waters of a major life change while simultaneously dealing with declining health, caring for an ailing spouse, or going it alone. Here are some of the cardinal truths you’ll need to get your train chugging down the right track. Trust me, if you can adjust your thinking as needed, the journey will be much smoother. Let’s start with how you think about your stuff. Then we’ll talk about what to do with it. Truths About Your Stuff: It’s probably not worth what you think. With our aging demographic, the market all across the USA is flooded with used furniture. Thrift stores are simply not able to accept most of what people are trying to donate. Over- supply means less value. You may have paid $3,000 for that Drexel dining set, but a quick peek at Craigslist will tell you the hard truth. You’ll be lucky to sell it for 15 percent of that. Your kids don’t want your stuff. Breathe. It’s not personal. It’s just that tastes have changed. Values have changed. Today’s young adults like things mobile and disposable and practical. So if you are holding on to stuff because you think you’re going to pass it on, think on a new track. Less is more. There is a real cost associated with keeping stuff. You have to house it, clean it, maintain it, move it, etc. I would say that in 99 percent of the cases I have worked on, people felt better, lighter, freer and less stressed once they were free of the burden of maintaining so much stuff. If you’re afraid that you’ll regret letting something go, try putting it into storage for six months. If you don’t miss it, let it go for good. And then get rid of the storage unit. Fabulous. You’ve decided to right-size. Now what? Here are some truths about right-sizing. Everything WILL GO into one category or another. Set up three categories: Keep / Donate or Sell / Throw Away. For small items, you can set up and label bins or boxes. For large items, use color-coded sticky notes. You must be brutal and focused. I recommend the OHIO rule: Only Handle It Once. As soon as you handle an item, you must decide which category it goes into. If you pick it up, then set it aside saying, “I’ll decide later,” you’ve started down a bad track that loops you right back to the same overwhelming mess you’re in. If you truly must delay the decision (let’s say you’re waiting for your son to tell you if he wants that socket set), then start a “Pending” bin with a clock on it. Give your children, or whomever The Laws of Less: Bite-size Tips to Right-Sizing By Linda Kaahanui
  33. 33. Housing Choices you are waiting for, a deadline to respond. If you find it difficult to stay focused or make decisions, consider hiring a professional to guide you through the process. They can help you ask the right questions about each item that will make the decision clearer and easier. I once arrived at a house where the adult daughter of my client met me at the door. “Thank God you’re here!” she exclaimed. “We’ve been at this for two weeks and have gotten no where.” A detached, objective professional has a way of making things go faster. One day later, we were done. YOU CAN DO IT, one small space at a time. Start with something well-defined and with little emotional attachment. Like the coat closet. Once you have FINISHED that area, you can use the sense of accomplishment and success to fuel your momentum to the next area. Perhaps something a bit more challenging this time, like the kitchen junk drawer. Remember, you are in control, not your stuff. Don’t forget to celebrate between each success. Options for the “Donate or Sell” Pile: Some thrift stores will pick up, but be warned, they are getting choosier and choosier these days. Try alternate donees like the local women’s shelter, homeless shelter, food bank (they often also give away clothing and household items), libraries, organizations holding large garage sale fundraisers like schools, churches and clubs. Sell it yourself online on venues such as eBay or Craigslist. If this is outside your experience or comfort zone, ask your grandkids for help. Auction houses. Typically they will come and appraise your pile of “sell” items and offer you a lump price and haul it away. You won’t get much but hey, it’s gone. Estate sale. Hire a reputable company to come into your home once you have moved away and stage a house-wide sale of all the belongings you have left behind. A well- run estate sale usually generates considerably more than a “garage sale” or auction house sale but there are no guarantees. An average fee is around 40 percent of the proceeds. Bill and Rosy were able to carefully choose all their most treasured possessions, move to a space that met their needs and enjoy their new life surrounded only by what was beautiful and meaningful to them. Linda Kaahanui Owner, New Season Move Management 360-774-1255 Serving Jefferson County & surrounding area 253.906.9696 It's More Than Moving... ...It's Making It Home Organizing & Downsizing Planning & Facilitating Your Move Packing & Unpacking Estate Cleanouts Extreme Cleaning Free In-Home, No Obligation Consultation WAUTCTHG067212/USDOT2811502 Serving Pierce and Kitsap Counties Certified Senior Move Managers • Custom fit plans for your needs & budget • De-clutter, Stage Home for Market, RightSize • Organize, Pack and Unpack So You Can Relax • Estate Sales and Final Cleaning Free in-home consultation! (360) 774-1255 Licensed, bonded & insured New Season Move Management Senior Moving Specialists Need Help Moving? Down-sizing? De-cluttering? Serving Jefferson County and Surrounding Area
  34. 34. 34 Spring/Summer 2018 Housing Choices Taking the scary out of Long-Term Care • Professional • Of Good Character • Veteran Broker Let’s Sit Down & Talk Today 360.731.7655 (c) | 360.779.8510 (o) | • Comprehensive Services • 26+ years with John L. Scott • Testimonials & References Available John M. TaylorJohn M. Taylor Your Personal Realtor® L ong-term care refers to hospital, nursing home or other form of health care that takes place for a prolonged period. The national average cost for long-term care is over $15,000 a month. If you consider that the average cruise for the same amount of time would cost around $10,000 or less, the scenery would change, the weather would improve, and one day you could get off that boat, you can begin to imagine the horror of long-term care. So, how do you avoid spending the more than quarter million dollars on average that most seniors would shell out if they had to pay for long-term care? The most robust option is to move into a senior retirement community that allows your care to progress with your needs. For instance, you might first move to the community and live in an apartment or cottage that resembles an apartment or housing in a mixed residential area. You live normally and interact with the community as you see fit or as fits your busy schedule. In such a community, you could add services as your care needs change. Living in the community provides an opportunity to develop long-term relationships with other residents, provides opportunities for travel, learning and socializing, and can offer security without any of it impinging on your freedom. From there we move on to Independent living. Independent means you mostly don’t need help with things. You prepare meals, take whatever medicines you need if any without reminders and generally live life much as you would if you lived in a mixed residential area with one exception. All the services you might need, either short-term or long-term are at your fingertips. Hate to do laundry and housekeeping, someone can provide those services. Want dining options for when you don’t wish to cook, they can do it. It’s a bit like living in a hotel except the staff know you and your friends are there as well. In fact, you may already live in one type of independent community if you live in a Naturally Occurring Retirement Community (NORC).As the name implies NORCs are not planned. They may be an apartment complex or
  35. 35. Housing Choices Aging in Place and Accessibility Support Enabling people, regardless of their level of ability or disability, to age with dignity in the most comfortable environment possible, their own home. • Enhancing accessibility to meet current & future physical needs • Increasing safety & security • Providing customized assessments & modifications • Ensuring construction and modifications are completed with your health & medical needs in mind, at the highest possible level of quality Building independence, one home at a time Your Forever Home Our Objectives: Dr. Carrie Marcello OTD, OTR/L, CAPS, ECHM 360-621-3341 Serving Kitsap County and Surrounding Areas a neighborhood street that has a significant senior population and they generally tend to be a cost-effective aging-in-place model. Thriving NORCs offer seniors a vibrant lifestyle, supportive services including health care, education, recreation, and volunteer opportunities. Some have also added adult day care meals, home safety improvements, financial advice, and transportation. Assisted Living options often reside hand-in-hand with Independent Living options. Perhaps you need help with a shower or need medication reminders. You may simply wish to live somewhere where you don’t have to prepare all your meals or mow your lawn. Individuals who move to Assisted Living communities often find their health improves. One significant reason lies in the regular meals and the dining options available in Assisted Living. Looking forward to spending a meal with a friend and providing activities that range from travel to art keeps people engaged and active longer. Aging-in-place means remaining where you are. You stay in your home and allow the services you need to come to you. You hire companions to provide basic care and housekeeping and otherwise remain living independently. It is a great option if you are healthy and have structures such as transportation and nearby health and recreational options nearby. Adult Family Homes provide much of the care that we associate with nursing homes of old but they allow a level of independence that simply can’t exist in the more rule- bound and procedure-oriented nursing home. Generally, residents have their own room but live in a family style structure. Help with bathing, toileting and dressing is readily available while the norm involves family dining, shared living areas and a small but robust staffing model that looks more like family and friends. Some of the horror people experience when they think of growing older lies in not knowing the options or being forced to make a choice on the spur of the moment. Yes, there are expensive and luxurious living options out there but there are also intimate, friendly, and economic options available. The number of people who should reside in nursing homes is actually low. Most people, including those with severe dementia, do not require the skill and level of care provided by a nursing home and would find nursing home life stifling in addition to expensive. Understanding the level of freedom you want and the options you have will prevent you from making a costly and unnecessary choice if you plan early and realistically.
  • HeatherStone42

    Nov. 28, 2021
  • KathyDiMaggio

    Nov. 5, 2018

The Compass & Clock program is comprised of your neighbors. We are grateful for the support of our participants, for without them Compass & Clock would not exist. This collection of knowledgeable and myriad resources is designed to help you navigate your journey through middle age, retirement, and senior years. Welcome to a community conceived to guide you into your best future.​ We publish 2 print editions a year. Here is the Spring/Summer edition, and the Fall/Winter edition will be out by November 1st. Please feel free to write to us with feedback, suggestions, and info you would like to see in our next publication or on the website, etc.


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