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Social Security and the New Senior Tax DeductionBy Senior Tax Advisory GroupTax law changes may help retirees keep more of their income. However, headlines about no tax on Social Security can create confusion. We want seniors to understand what has changed and how the new rules fit their retirement plans.The One Big Beautiful Bill Act created a temporary additional deduction for people age 65 and older. For tax years 2025 through 2028, eligible individuals may deduct up to $6,000. Married couples filing jointly may deduct up to $12,000 when both spouses qualify. There could be a ROTH conversion opportunity at No Additional Tax Cost!This deduction is available whether you itemize or take the standard deduction. Married taxpayers must file jointly to claim it, and each person claiming the deduction must have a qualifying Social Security number.Income limits matter. The deduction begins phasing out when Modified Adjusted Gross Income exceeds $75,000 for an individual or $150,000 for a married couple filing jointly. Taxable IRA withdrawals, capital gains, or Roth conversions may reduce the deduction available.The law did not repeal federal taxation of Social Security benefits. Depending on your combined income, up to 85% of benefits may still be included in taxable income. The new deduction reduces taxable income; it does not change the formula determining how much Social Security is taxable. Eligibility also does not require receiving Social Security.For example, a qualifying couple with both spouses age 65 or older could receive the full $12,000 deduction. If that entire deduction offsets income otherwise taxed at 12%, their federal tax savings would be $1,440. Actual savings depend on their tax situation.Before making withdrawals or changing withholding, review your income and eligibility. Social Security claiming decisions still deserve coordination with taxes, savings, and survivor needs. We believe retirement planning begins with understanding people. Contact Senior Tax Advisory Group at 719-596-4844 or visit www.springstax.com for help evaluating these changes within your retirement plan.

Are you hoping for your loved one to stay active in senior living? Senior living communities provide comfortable, safe living environments for older adults, but they also offer the opportunities for an active, vibrant lifestyle. Staying active and social is very important for the well-being of older adults, and as such, these communities offer a wide variety of activities to keep their residents both physically and mentally engaged - including book clubs, game nights, exercise groups, field trips, art classes, and more. The range of activities means there's something for everyone, no matter their interests or ability level. In this article, we'll explore different aspects of activities in senior living, including why they matter, the different types offered, how they can suit different ability levels, and more.Why social and recreational activities in senior living matterSenior living activities are more than just a way to fill time. They also help to engage residents both with life and with one another.This engagement is particularly important for seniors, as they may no longer perform many of the regular activities they once engaged in, like work, child-rearing, and even housekeeping.A study published in the Journal of Positive Psychology linked meaningful activities to better mood, life satisfaction, and general well-being, making them crucial for every age. Activities also offer a place to form friendships and discover new interests. Other benefits include: - Reduced loneliness.- Improved physical and mental health.- Increased sense of purpose.- A sense of meaning and belonging.- Cognitive stimulation.- Better quality of life.- Increase engagement in the community.Because the abilities and interests of people vary, offering a wide range of activities is a must for senior living environments.Some may even offer 40 activities or more per week, with a full weekly calendar to choose from. Others might have fewer activities but still focus on quality and resident engagement. Others still might directly involve residents in the planning and suggesting of new programs, in order to make sure that they reflect the interests of the residents, while also fostering a sense of ownership and community pride.Types of activities offered in senior livingWhile individual activities vary between communities, most offer similar types, including: - Creative activities, like painting, music therapy, creative writing, crafts, and sing-alongs.- Social activities, like movie nights, card games, birthday celebrations, talent shows, and outings.- Educational and cognitive activities, like classes, book clubs, talks from experts, discussion groups, and language classes.- Physical activities, like exercise classes, swimming, walking, and dancing.- Supportive activities, like mindfulness, prayer groups, support groups, and yoga.- Specific memory care activities, like reminiscence therapy, picture matching, sensory stimulation, and guided walks.Cost of activitiesAs these activities are essential for residents' quality of life, all communities will include some of them in their base fee. However, there may be extra fees in some cases. For example, you might pay for: - The materials used in craft classes.- Premium activities, especially in low-cost communities.- Classes with a guest speaker.- Field trips.- Costs when visiting a restaurant or during a shopping trip.- Professional services from outside providers (like massages).- Private classesAdapting senior living activities for all levels of careSenior living activities should be suited to the abilities of the residents. Within a community, you might see approaches like: - Offering a wide selection of activities, with some suited for more active residents and others for those with limited mobility.- Variation within an activity. For example, flexible art classes might allow residents to paint what they like, perhaps even to do so using their fingers instead of a brush. - Accessible spaces, which make participation easier for residents who use mobility aids.There are also variations between community types, as certain living options cater to seniors with more limited abilities.Independent livingIndependent living communities are designed for seniors who are largely self-sufficient and want to enjoy an active, maintenance-free lifestyle surrounded by peers. Because the residents in these communities are generally active and mobile, they often focus on fun, fitness, and personal growth, with options like hobby clubs, outings, and wellness classes.While there are still likely to be accessible options for those with limited mobility (like arts and crafts or discussion groups), there's usually less variation specifically tailored for those people compared to assisted living or skilled nursing, which provide more hands-on support and adaptive programming.Assisted livingResidents of assisted living communities typically receive help with personal care tasks but remain relatively independent. As a result, activities here are engaging and often focused on the residents' interests. There are generally plenty of activities to choose from, like book clubs and exercise classes. Staff are typically available to provide support to residents where needed.Skilled nursingResidents of skilled nursing facilities have significant medical and personal care needs, and thus a greater variation in their functional abilities. As a result, activities need to be adjusted to better support certain residents.For example, music and exercise programs are available, but are typically designed for those with limited mobility. Activities might also include additional features to support those with limited cognitive abilities.The focus of the activities can also vary. In particular, where assisted living activities tend to be enjoyment-focused, skilled nursing provides many therapeutic recreational activities. These are both enjoyable and help residents retain function, while also promoting physical well-being. Such activities may include gardening, chair yoga, animal therapy, and guided walks.Memory careActivities in memory care units tend to be more structured, shorter, and often sensory-based. They are usually designed to reassure and engage residents, even if they can't perform the activity as they once may have been able to.How senior living communities encourage participation in activitiesCommunities use a variety of approaches to get residents engaged, including: - Resident-focused planning. Activities are planned based on what residents are likely to enjoy.- Flexible, low-pressure activities. Most activities require little commitment and can be adjusted to residents' abilities. This approach makes it easier for residents to turn up and try various activities.- Ample information and advertising. Activities are often advertised in multiple ways, including schedules, posters, and announcements.- Staff attitudes. Staff are trained to be positive and gently encourage residents. They are also consistently involved in the activities as well, making them more predictable and less overwhelming.- Helping residents find activities. Staff may also help residents to find the best activities that suit their interests.- Removing any barriers. This includes targeting anything that makes engaging in activities more challenging.- Resident feedback. Involving residents in event creation and modification can foster a sense of ownership, which in turn encourages participation.Family involvement and visitsFamily members can play a notable role in senior communities. They provide a sense of continuity, ensuring an easier transition from one environment to the next. As a result, most communities encourage family involvement. Family members may be able to participate in activities and collaborate with staff members to promote the best outcomes.Some approaches include:- Joining in with some group activities.- Being part of community celebrations.- Volunteering to help with activities, such as reading to residents.- Talking to staff about their loved one's interests.- Encouraging their loved one to get involved.However, rules vary from community to community, so it's essential to check in with the staff. Following those rules is particularly important for memory, as people with dementia can be highly sensitive to their environment.Social and recreational activities are vital to senior living, helping residents stay active, connected, and fulfilled. By offering a wide variety of options and adapting them to different ability levels, communities create opportunities for engagement and joy, enriching daily life for residents and supporting their well-being.Oasis Senior Advisors Carrollton-Frisco helps families look beyond basic services to understand how each community supports engagement, connection, and well-being. Contact your local advisor, Holly DeLisi, at (682) 375-9604 to find communities that may be a good fit for your lifestyle.The rules and requirements of senior care facilities vary based on company policies and state regulations. The contents of this article represent common guidelines, but may differ from a particular facility's policies or requirements. Oasis can help you learn about the regulations in your state.

Discover how FYZICAL Therapy & Balance Centers can help Minnesota seniors improve balance, mobility and confidence with six Twin Cities locations.For many Minnesota seniors, independence is measured in everyday moments: walking confidently to the mailbox, shopping for groceries, getting together with friends, climbing the stairs, gardening, or simply moving around the house without worrying about falling.When balance begins to change, those ordinary activities can suddenly feel more difficult. A person may start reaching for furniture when walking across a room, avoiding stairs, turning down activities, or feeling nervous when navigating snow and ice.But balance problems should not automatically be accepted as a normal part of getting older. In many cases, physical therapy and specialized balance training can help older adults improve strength, stability, mobility and confidence.FYZICAL Therapy & Balance Centers focuses on physical therapy as well as balance, gait, fall-prevention and vestibular rehabilitation. FYZICAL's balance programs evaluate factors that can contribute to instability and develop individualized treatment plans designed to help people move more safely and confidently. FyzicalFor Twin Cities-area families, FYZICAL has convenient locations in White Bear Lake, Edina, Woodbury, Inver Grove Heights, Apple Valley and Lakeville.Why Does Balance Sometimes Change With Age?Good balance is more complicated than simply having strong legs.The body relies on information from several systems working together, including vision, the inner ear, muscles, joints, nerves and the brain. FYZICAL explains that gait and balance are closely connected and that problems involving strength, posture, reflexes or sensory systems can affect the way someone walks and feels while moving. FyzicalThat's one reason balance problems can look different from person to person.One person may experience dizziness when standing up or turning quickly. Another may notice that walking on uneven ground has become difficult. Someone else may feel fine inside the house but become uncomfortable walking through a parking lot or across Minnesota's snowy or icy sidewalks.These changes deserve attentionespecially when they begin interfering with normal activities.Watch for the Early Signs of Balance ProblemsA fall isn't necessarily the first indication that something has changed.Earlier warning signs can include feeling unsteady when walking, frequently grabbing walls or furniture for support, difficulty getting up from a chair, trouble navigating stairs, dizziness or vertigo, taking shorter or slower steps, or becoming increasingly afraid of falling.Sometimes the biggest change is behavioral.A person who once enjoyed shopping, attending church, visiting friends or going for walks may gradually stop participating because they don't feel confident on their feet.That loss of confidence can affect much more than mobility. It can begin to affect independence and quality of life.How Balance Therapy Can HelpBalance therapy begins by determining why someone is having difficulty.A physical therapist may evaluate walking patterns, strength, posture, flexibility, coordination and balance. When dizziness or vertigo is involved, the vestibular system may also need to be evaluated.FYZICAL's balance and gait programs can include assessment and evaluation, gait training, balance retraining, fall-prevention strategies, functional training and vestibular rehabilitation. Treatment depends on the individual's condition and goals, and services can vary by location. FyzicalThe goal isn't simply to perform exercises in a clinic.The larger goal is helping people function better in everyday life.That might mean being able to walk across the yard, get out of a chair more easily, navigate a busy store, attend a grandchild's event, travel, or simply feel more secure moving around the house.Strength and Balance Work TogetherMuscle strength plays an important role in stability.Weakness in the legs, hips and core can make recovering from a stumble more difficult. Physical therapy can incorporate exercises designed to improve strength, flexibility, posture and coordination while also addressing walking patterns.Balance exercises may progress as a person's abilities improve.For someone who has become fearful of falling, being able to practice in a supervised environment can also help rebuild confidence.The FYZICAL locations in White Bear Lake, Edina and Woodbury, for example, emphasize balance and vestibular-focused physical therapy in addition to orthopedic rehabilitation. The Inver Grove Heights and Apple Valley locations similarly offer balance, gait and fall-risk services. Dizziness and Vertigo Can Affect Balance TooNot every balance problem originates with muscle weakness.The vestibular system, located in the inner ear, helps the brain understand where the head and body are positioned in space. When that system isn't functioning properly, a person may experience dizziness, vertigo, motion sensitivity or unsteadiness.Vestibular rehabilitation is a specialized form of therapy intended to address these types of problems. Depending on the underlying condition, therapy may include balance retraining and exercises that help improve coordination between vision, movement and the vestibular system. FyzicalFor an older adult who has been limiting activities because of dizziness or fear of falling, identifying the source of the problem can be an important first step.Staying Independent Means Staying EngagedOne of the most important benefits of better mobility isn't measured in repetitions or test scores.It's measured in life.It's having the confidence to meet a friend for lunch.It's walking into a grandchild's school concert.It's continuing to live in the home you love.It's feeling comfortable going to the grocery store or taking the dog for a walk.And in Minnesota, it can mean feeling better prepared for the additional challenges that winter weather brings.Maintaining independence isn't about doing everything exactly as you did decades ago. It's about preserving the ability and confidence to continue doing the things that matter to you.Don't Wait for a Fall to Address Your BalanceSomeone doesn't have to experience a serious fall before talking with a healthcare professional about balance.If you or a family member has noticed increasing unsteadiness, dizziness, changes in walking, difficulty with stairs, or fear of falling, consider discussing those changes with a physician or physical therapist.Early attention may help identify areas that can be strengthened or improved.FYZICAL's approach emphasizes assessment and individualized treatment rather than assuming every balance problem has the same cause. FyzicalFind a FYZICAL Location Near YouMinnesota seniors and their families can connect with FYZICAL Therapy & Balance Centers in:White Bear Lake 2680 County Rd E East - (651) 504-2212Edina 5227 W 73rd Street -  952-207-2997Woodbury 670 Commerce Drive #130 -  (651) 501-2010Inver Grove Heights 7751 Amana Trail #300 -  651-842-8100Apple Valley 15083 Flagstaff Avenue #A - 612-246-6900   Lakeville 17761 Kenwood Trail - 952-236-0415Contact the location most convenient for you to learn about available physical therapy, balance, gait, vestibular and fall-prevention services. Because FYZICAL locations are independently operated, specific services may vary by clinic. FyzicalBetter balance can mean more than steadier steps. It can mean greater confidence, greater freedom and more opportunities to remain active and independent.