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Moms spend their days and nights thinking about how to make sure their children are happy, healthy, and safe. If you’re a mom, you know. If you aren’t a mom, you were born because of a mom. It’s one of the two things we all have in common. So, as Mother’s Day approaches, let’s talk about the most meaningful gift you can give or receive on this hallmark holiday that means a lot: every mom deserves the peace of mind and power to create financial security for themselves and their children with thoughtful estate planning.
Now you may be thinking, “Estate planning? Really? Isn’t
that just for rich people?” Or, “How does drafting a Will give me peace
of mind and financial security?” Glad you asked! Most people have a general
concept of what “estate planning” means, but in reality, don’t fully understand
it. Believe it or not, estate planning is far more complex than just drafting a
Will, and it’s not just for rich people, though doing it will leave your family
much more “rich” than if you don’t. Once you appreciate the power of estate
planning, you’ll know why it has the power to “gift” you peace of mind.
So let’s start by parsing out what estate planning really is
and why it matters for every mom you know, including yourself if you are a
mom.
Why Estate Planning Matters for Moms (and Dads too)
Imagine having a roadmap that clearly shows how your
financial assets, the guardianship of your children, and even your most
cherished possessions are handled should anything happen to you. Now imagine
that your roadmap is a legal document and the people receiving that roadmap are
required to abide by your wishes and are able to easily do so because your
wishes are so clear and you’ve left a guide for your family along with the
roadmap.
That’s what estate planning is: a legally enforceable plan
for your future, and ideally a guide to help your loved ones navigate the plan.
And, contrary to what most people think, estate planning isn’t just for the
wealthy or those who are nearing the end of life. It’s for everyone, including
you! Thoughtful estate planning gives you the power to make decisions now that
will impact your and your family's future, giving you peace of mind to know you
aren’t leaving a mess for the people you love.
You may be wondering, “Really? How does estate planning give
me peace of mind?” Relax - grab a mimosa or some tea, kick your feet up, and
let’s talk about how it works.
Estate planning allows you to specify who will care for your
children if you are unable to do so yourself. It’s undoubtedly a tough subject,
but choosing a guardian you trust to raise your kids as you would brings
immense comfort, and may even guide you to build deeper relationships with the
people you’d call upon to care for your children, if you cannot. Knowing that
your wishes are written down and legally protected can relieve a lot of stress,
and relax any of those “stressful in the background” thoughts about that one
person you would never want raising your kids.
Without a plan, a judge would decide who takes care of your
children if you cannot, and they might not choose the person you would have
wanted. Or worst of all, they may even choose the one person you’d never want
raising your kids because maybe they look great on paper. Think about it: a
judge knows nothing about you or your kids. They only know what they see in
court filings. That’s it. They’d have to make decisions with no input from you.
Kinda scary, right?
When done right, estate planning also lets you direct the
distribution of your property and finances. Specifically, it ensures your
assets are transferred to the people you choose without unnecessary delays,
legal hurdles, or family conflicts.
This not only secures your children’s future but also
simplifies the administrative process at a time when your family should have
space and time to mourn and heal, not get tangled in legal complexities. And if
they do get tangled up in conflict, it’s highly likely that those relationships
will be forever destroyed. That also happens. Again, more often than you may
think.
Here’s the bottom line. When you get these things in order,
you can die in peace, and that means you live life more fully.
Estate Planning Equals Empowerment
Estate planning puts the power in your hands. It's a
declaration of your values and your voice, legally secured to guide your family
when you can't be there. By setting out your wishes clearly, you prevent
disputes and ensure your legacy lives on exactly as you intend. After all, someone will
have to wrap up your affairs after you die, so it may as well be you, now,
while you’re living. So step into your power, safeguard your children's future,
and cement your role as the heart and protector of your family.
In the process of getting your estate planning handled, when
you work with an Estate Planning Law firm, you’re going to learn a tremendous
amount about your finances, and your financial literacy is going to grow in a
way that will result in you feeling exponentially more financially secure and
clear.
Financial Protection In Case of Loss
Estate planning is especially vital if the unthinkable
happens and your spouse or partner dies. Many mothers face not only devastating
emotional loss but also the potential for significant financial instability -
especially if you aren’t the primary breadwinner in your family. An effective
estate plan, however, includes setting up mechanisms such as life insurance,
trusts, and instructions for pension or retirement benefits, which can provide
you with financial support when it’s most needed. There’s absolutely no reason
you and your children need to compromise your lifestyle should something happen
to your partner.
For example, an estate plan ensures that you have access to
joint assets and that any individual assets held by your spouse or partner are
transferred to you or your children without delay. This can be critical in
preventing financial hardship during an already challenging time, ensuring that
you have the resources needed to maintain your home, cover living expenses, and
continue to provide for your children’s needs.
The Estate Planning Law Firm Difference
By now, it should be clear that creating an effective estate
plan that honors your wishes and secures your and your family’s financial
future isn’t as simple as creating a Will. It’s more complicated than that and
can be overwhelming, particularly with the legal jargon and the multitude of
decisions that need to be made. These decisions are hard, too. When you’re
living your life, probably the last thing you want to think about is your
death. You’d probably rather have a root canal.
Fortunately, you don't have to navigate the process alone.
Estate Planning Law firms, like ours, are uniquely trained, and trusted
advisors who can guide you through the process, ensuring that your plan fits
your specific circumstances and family dynamics.
Here’s a bonus: An Estate Planning Lawyer can also advise
you on tax implications and the best ways to structure your finances to benefit
you and your heirs. Yay! (Unless you want to pay extra taxes and give your
money to the government instead of your kids, then knock yourself out).
Finally, an Estate Planning Lawyer is committed to serving
you and your family for the long term by checking in to update your plan as
life changes, assets change and your kids grow. By working with an Estate
Planning Law firm, you create a plan that is thorough, thoughtful and
works when you and your family need it to.
Contact Entrusted Legacy Law at 412-347-1731 or click here to schedule a complimentary 15-Minute call.
This article is a service of Entrusted Legacy Law. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That's why we offer a Life and Legacy Planning Session, during which you will get more financially organized than you’ve ever been before, and make all the best choices for the people you love. You can begin by calling our office today to schedule a Life and Legacy Planning Session and mention this article to find out how to get this $750 session at no charge. Please note this is educational content only and is not intended to act as legal advice.
We all know that exercise is important for our bodies to stay healthy and happy, especially as we age. However, finding a good exercise routine that is gentle enough for seniors, but keeps your body healthy and moving, can be a real challenge. Below are six morning exercises for seniors that are easy to mix into your morning routine. Regular exercise and stretching can improve range of motion, stability, and all around mental health.Why Exercise For Older Adults is ImportantExercising helps to slow the progression of many diseases and can even slow the aging process. Studies have shown that older adults, those age 55+, who have been active for most of their lives actually have the similar aerobic fitness of people 30 years younger than them.For older adults who have not been able to stay active their whole life, its not too late to start. Starting now will help not just in the long-term, but there are also plenty of short-term benefits to exercises for seniors.Exercise is essential in managing many long-term health conditions such as heart disease, diabetes, asthma, or back or joint pain. For example, exercise can help improve high blood pressure and can lower your risk of heart disease progression.Daily Exercises for SeniorsThis exercise routine is meant to be versatile and flexible. Do the exercises that feel the best for you and your unique needs. As you make the routine your own, be sure to start slowly and stop if there is any bad pain.Make sure you have a clear space with plenty of room to move your arms and legs. A chair, water bottle, and towel may also be helpful to have close to you.Also, always start with some nice stretches to get you going.Sit to StandThe sit-to-stand exercise is among one of the best exercises for seniors. It strengthens your lower body and can improve general mobility, and helps make standing up from a chair easier. Eventually, as your strength improves, the goal is to do the sit-to-stand exercise without using your hands.It is normal to feel mild stretching, pulling, tightness, or discomfort as you do this exercise, but you should stop right away if you feel pain.How to do the exercise: Sit on a sturdy chair. Your knees should be bent and your feet should be flat on the floor and shoulder-width apart. Place your hands lightly on each side of the seat. Keep your back and neck as straight as possible, with your chest slightly forward. Breathe in slowly. Lean forward and slightly shift your weight to the front of your feet. Breathe out as you slowly stand up. Try to use as little support from your hands as possible. Stand and pause for a full breath in and out. Breathe in as you sit down slowly. Tighten your core and abdominal muscles to control your lowering as much as possible. Breathe out slowly. Rest for 1 minute, then do another set of 5-8 repetitions. Repeat for a total of 3 sets if comfortable. Knee ExtensionsKnee extension exercises are used to strengthen thigh muscles. These are big muscles in our body and improving thigh muscle strength can improve mobility, reduce knee injury risk, and rehabilitate knee injuries.How to do the exercise: Sitting up tall with your shoulders back and down. Lifting one leg up, extending at the knee. Hold briefly at the top of the movement, squeezing the muscles at the front of the thigh before lowering your leg back down. Ensure the movement is slow and controlled. Alternate legs, ensuring full knee extension (leg completely straight). Rest for 1 minute, then do another set of 5-8 repetitions. Repeat for a total of 3 sets if comfortable. Core twistsCores twists are a fantastic exercise that not only improve the strength of your trunk muscles, including back and ad muscle, but they also help with twisting mobility.How to do the exercise: Grab a medicine ball (or similar object). Sit comfortably in the chair toward the edge of the seat for extra room. Keep the core (abs and lumbar) tight. Stick the chest out. Both hands should be in front of the body gripping the sides of the medicine ball, with elbows bent. Lift the ball a couple inches off the lap then rotate the upper body to the right, keeping the ball in front of the body. Rotate to the middle of the body then rotate to the left, finish by rotating back to the middle. Each rep is one full rotation. Rest for 1 minute, then do another set of 5-8 repetitions. Repeat for a total of 3 sets if comfortable. Seated Shoulder PressThis exercise will help to increase strength and mobility of the shoulders. Please be cautious with this exercise if you have any shoulder contraindications, and/or consult with your physician.How to do this exercise: Choose a pair of low weight dumbbells or do without weights. Sit comfortably in the chair with the hips as far back as possible. Ensure that the back is firm to the backrest of the chair. Keep your core tight. Start with both elbows spread to the sides of the body and align them under the shoulders. Stick the chest out. Face the body straight, palms forward, gripping the dumbbells. Extend the arms up, reaching above the head until theyre fully extended (or get to a range that feels most comfortable). Dont touch the hands together and keep both arms parallel to each other. Once the arms extension limit has been reached, slowly bring the hands down to the starting position, keeping the elbows spread. Dont tuck the elbows toward the middle of the body, extend them out till the top of the back feels a pinching sensation (not hurting) at the shoulder blades. Seated Knee LiftsKnee lifts exercise and strengthen the hip flexors, and quads. Each is an important muscle for sitting and standing.How to do the exercise: Sit on a sturdy chair, keeping the back straight and holding the sides for support if needed. Avoid leaning back. Slowly lift the right knee slowly towards your chest, then back to the beginning position with control. Repeat the motion using the left leg. Alternate the legs. Remember to keep your back straight and avoid leaning back to gain new heights. Seated Chest PressThe seated chest press will exercise your chest muscles, shoulders, and triceps.How to do the exercise:This exercise can be done with a resistance band, dumbells or with no weight all. Choose the option that best meets your fitness level. Place the resistance band/weights/or empty fists at a point on the chair where its directly behind the back just under where the shoulder blades would be. Ensure that the resistance band isnt able to move on the back of the chair; moving it during the exercise can result in injury or target the wrong muscle groups. Sit comfortably in the chair with the hips as far back as possible. Ensure that the back is firm to the backrest of the chair. Keep the core muscles tight. Stick your chest out. Keep both palms down, elbows bent and parallel to the shoulders. Both hands should be positioned just outside of shoulder width. Push the resistance band forward until the arms are fully extended in front of the body (dont touch hands together). Slowly reverse the movement back to starting position. Some General TipsRemember, starting a new exercise routine will take some practice and getting used to. Dont get discouraged if you cant do an exercise or can only do a few repetitions.Here are few things that are normal when starting a new exercise regimen. Its normal to: feel tired when starting an exercise routine. have muscle soreness that lasts a few days. As you get stronger, you may not feel muscle soreness. Here are some tips that can help make your new exercise journey easier: Use smooth, steady movements. Do not hold your breath during strength exercises. This can cause unsafe changes in your blood pressure. Breathe in slowly through your nose, and breathe out slowly through your mouth. Most importantly, Always consult with a physician before beginning any exercise program.Keeping Seniors in Their Homes, Its What We Do.At Senior LIFE, we focus on taking care of the whole person so that they can maintain their independence for as long as possible. We offer various types of therapy for members. Depending on members individual care plans, they may receive any or all of the therapies we offer. Occupational Therapy Physical Therapy Speech/Language Therapy Recreational Therapy We are committed to keeping members independent as long as possible. There are no limits on rehabilitation or the amount of therapy services a member can receive.Our care offerings dont stop at therapies. We also offer all the medical and supportive services our members need. These services can include physicians and specialists, nursing care, physical, occupational and speech therapies, personal and home care, medications, meals and nutritional counseling, eye, dental and foot care, durable medical equipment and other medically necessary services.The LIFE Program is a Medicare and Medicaid approved long-term care program that provides complete medical care and supportive services for persons 55 years and older so that they can remain living in their home. The LIFE Program is an alternative to nursing and personal care homes. https://seniorlifepa.com/aboutTo learn more about the LIFE Program, or to see if its the right fit for you and your loved ones, contact us today! https://seniorlifepa.com/contact
National PACE (Programs of All-inclusive Care for the Elderly) Month is an annual celebration in the United States that takes place in the month of September. This month-long event aims to raise awareness about the PACE program and the important role it plays in enhancing the lives of elderly individuals. Senior LIFE is a provider of the PACE program, called LIFE in Pennsylvania. The innovative model of care allows seniors with long-term care needs to remain living in their community for as long as possible, as independently as possible. More than 95 percent of PACE participants live outside of a nursing home.The COVID-19 public health emergency taught everyone the value of community and the feeling of belonging. Loneliness and isolation have long been been issues for our seniors. This year, during National PACE Month, we celebrate the connections and communities that LIFE/PACE organizations can foster. This years theme is PACE: Where you Belong.Understanding the PACE ProgramThe LIFE/PACE program is a comprehensive, community-based healthcare model for elderly adults who need long-term care services. It provides a range of medical and social services to seniors, helping them live independently in their own homes and communities. LIFE is designed to provide personalized and coordinated care that takes into account the unique needs of each individual.The Goals of National PACE MonthNational PACE Month serves several important goals: Raising Awareness: The month-long celebration aims to increase public awareness about the existence and benefits of the PACE program. Many seniors and their families may not be familiar with this valuable resource, and National PACE Month seeks to change that. Highlighting Success Stories: It provides an opportunity to showcase the success stories of PACE participants and the positive impact the program has on their lives. Sharing these stories helps inspire others to explore the possibilities offered by the PACE program. Advocacy and Education: National PACE Month also serves as a platform for advocacy, education, and information sharing. It encourages discussions and exchanges about best practices, innovations, and policies related to senior care and the PACE program. Getting InvolvedAnyone can get involved in National PACE Month and help promote its goals. Here are a few ways to participate: Spread the Word: Share information about the PACE program with friends, family, and your community. Use social media platforms to raise awareness and share success stories. Attend Events: Participate in local events, workshops, and webinars organized by PACE programs or community organizations. Learn more about the program and the services it offers. Volunteer: Consider volunteering at a PACE program or a local senior center. Your skills, time, and companionship can make a significant difference in the lives of seniors. Advocate: Contact your local representatives and policymakers to advocate for the expansion and enhancement of the PACE program. Support legislation that promotes access to comprehensive care for elderly individuals. Senior LIFE and National PACE MonthSenior LIFE will recognize PACE Month with a special week long celebration held at each of the LIFE Health and Wellness Center. The special week recognizes the efforts, volunteerism, and extraordinary talents of the Senior LIFE staff and members.This years event will be held September 5th September 8th at each of the LIFE Health and Wellness Centers.The annual week-long event will be filled with activities and events that will engage Senior LIFE with the local community. Past years have featured events such as scavenger hunts, wheel chair races, and carnival days.All activities will take part at the LIFE Health and Wellness Centers. At the center, members of the LIFE Program can see their Primary Care Physicians and participate in rehabilitation programs.LIFE is a team-based model of care based on the idea of effectively and efficiently treating patients with multiple chronic conditions outside of the hospital setting. The LIFE Program takes a comprehensive approach to care management: providers, homecare coordinators, transportation drivers, nurses, social workers, physical and occupational therapists, dietitians, recreational therapists, and others, who evaluate LIFE members and develop an individualized plan of care. Medical and supportive service services are provided with the intention of putting preventive support in place that sets seniors up to remain living in their homes long term, all at no cost to seniors on Medicaid who live in the community.National PACE Month is an important opportunity to raise awareness about the PACE program and its impact on the lives of seniors. By coming together as a community, we can celebrate the successes, advocate for improvements, and ensure that the PACE program continues to provide exceptional care and support to our elderly population. Lets make National PACE Month 2023 a time of gratitude, recognition, and a catalyst for positive change in senior care. To find out more about the LIFE Program, or to see if you qualify for the program, please contact us today!
As we age, staying active and maintaining a healthy lifestyle becomes increasingly important. One way to do this is by walking more. In fact, research suggests that taking just 500 extra steps per day can have a significant impact on senior health.Health Benefits of WalkingWalking is a low-impact form of exercise that can have numerous health benefits, especially for older adults. It can help improve cardiovascular health, strengthen bones and muscles, and reduce the risk of chronic conditions like osteoporosis, diabetes, and heart disease. In addition, walking can improve balance and reduce the risk of falls.The Benefits of 500 Extra StepsTaking just 500 extra steps per day may not seem like much, but it can have a significant impact on senior health. Research suggests that taking an extra 500 steps per day can lead to a decrease in the risk of developing chronic conditions like heart disease and diabetes. In addition, it can lead to improved mental health, better sleep, and increased energy levels.A study conducted by the American Heart Association found that for people ages 70 and older who walked an additional 500 steps per day, or an additional quarter mile of walking, experienced a 14% lower risk of heart disease, stroke or heart failure. Also, compared to adults who took less than 2,000 steps per day, adults who took about 4,500 steps per day had a 77% lower observed risk of experiencing a cardiovascular event.Strategies for Walking MoreTaking an extra 500 steps per day may sound like a daunting task, but there are many strategies that can help seniors achieve this goal. Here are a few tips: Take multiple short walks throughout the day: This can help add up to 500 extra steps without requiring a lot of time commitment. Use a pedometer or fitness tracker: Tracking steps can help seniors stay motivated and monitor their progress. Find a walking partner: Walking with a friend or family member can make it more enjoyable and provide social interaction. Set achievable goals: Start small and gradually increase the number of steps taken each day. Choose scenic routes: Walking in a park or nature trail can make it more enjoyable and provide additional health benefits. In conclusion, taking 500 extra steps per day can have a significant impact on senior health, and its an achievable goal for most people. Walking can help improve cardiovascular health, reduce the risk of chronic conditions, and improve mental health and overall well-being. By incorporating walking into their daily routine, seniors can help maintain their independence and enjoy a higher quality of life.Senior LIFE can help you with your goalsAt Senior LIFE, our goals align with the goals of many seniors to stay in the comfort of their homes, and out of a nursing home. We work with seniors and their caregivers to help seniors maintain independence by providing medical and supportive services including physician and nursing services, medication management, in-home care, and so more more! For a full list of services, please visit us online at: Senior LIFE ServicesSenior LIFE (Living Independence for the Elderly) is state and federally funded Medicare and Medicaid Program that provides long-term care for seniors, 55 years of age or older, so that they can remain living at home and out of a nursing facility.Senior LIFE Services are provided at NO COST to those on Medicaid who live in the community.To speak with a Senior LIFE representative about the program, and to learn if you or a family member may be eligible, please contact us via our website or email us at info@SeniorLIFEPA.com
Our Firm Prepares You for Life What makes our firm different is that we were built with the needs of growing families in mind. We understand you are BUSY, you are growing, you are planning for a life of prosperity and you value ease, convenience and efficiency. You are raising children, and caring for elderly parents, while also working hard to build your own nest egg for a lifetime of support. You want to know youve made the best decisions for your family and that your plan will work when your loved ones need it most. You want to make sure your minor children would be raised by the people you choose, and never by anyone you wouldnt want, and that your teens and adult children are properly prepared to care for you and what you leave behind. You want to feel confident that youve made the right choices, and handled everything so that you arent leaving behind a mess, when something happens. That is our focus as well. Weve developed unique systems to give you the same access to a Personal Family Lawyer as was previously only available to the super-wealthy, so you can have the guidance you need to build and maintain a life of prosperity and wealth. And, to keep your family out of court and out of conflict, which is the greatest risk to the people you love and all you have created, even if youve already worked with a traditional lawyer or created documents online. Our Team Is Here for You We encourage communication with our clients. In fact, weve thrown out the time clocks so you never have to be afraid to call with a quick question. Everything we do is billed on a flat-fee basis, agreed to in advance, so there are never any surprises. We have a whole team to serve you. When you call our office to ask your quick question, you wont have to wait hours or days for a phone call back. Youll get your question answered, right away. And, if you need to schedule a more in-depth legal or strategic call with your Personal Family Lawyer, a call will be scheduled when you're both available and ready for the call so we can make the very best use of your time and not waste your time by leaving voicemail after voicemail back and forth. And, we ensure the most important details of your planning are followed through on and your plan continues to work throughout your lifetime. We have a funding coordinator to ensure your assets are owned the right way throughout your lifetime and none of your assets will end up going through a long, expensive court process or being lost to the state because they were missed after your death. Weve created unique membership programs to keep your plan up to date year in and year out as well as give you access to our Trusted Team of Legal Experts for guidance on ANY legal or financial matter. One day you will need a lawyer. I dont know why and I dont know when, but when you do, you will be grateful you can call on us and well be here to advise you or get you out of a jam. We Help You Transfer Your Life and Legacy Lastly, we believe your financial wealth is only a small part of your overall Life and Legacy Planning which is made up of your far more valuable and most often lost upon incapacity or death intellectual, spiritual and human assets. These assets are what make you who you are, and sum up whats most important to you. And, a survey of inheritors has revealed that what they care about even more than inheriting your money, is inheriting these intangible assets. Most estate plans only focus on the transfer of your financial wealth to the next generation. Most people have such great intentions of passing on the intangible, but very few ever get around to it. Its just not a priority, until its too late. How much do you know about your grandparents values? Their most prized personal possessions? How they felt about you? What they had learned during their lifetime? If you are like most people, you know very little. Thats why we build the capture and passage of these most valuable assets into every estate plan we create. Not only will we help you pass on your money, but also your values, your insights, your stories and your experience the truly valuable assets your loved ones care about the most. Weve developed a tool that allows us to capture and pass on your whole family wealth, including your Intellectual, Spiritual and Human assets. I cant go into all of the details here, but well definitely talk about it when you come in for your Life and Legacy Planning Session.