Retirement

Author

RTI Wealth Management– Anthony Cisneros

Posted on

Aug 18, 2021

Book/Edition

Colorado - Northern Colorado

share-this
Share This
Where will your retirement money come from? If youre like most people, qualified-retirement plans, Social Security, and personal savings and investments are expected to play a role. Once you have estimated the amount of money you may need for retirement, a sound approach involves taking a close look at your potential retirement-income sources.

Other Articles You May Like

Senior Guide to Black Friday Shopping

Black Friday marks the unofficial start of the holiday shopping season, offering substantial discounts and deals for shoppers across the country. For seniors and their caretakers, navigating this busy day can seem overwhelming. However, with the right preparation and strategy, it can be both a rewarding and enjoyable experience. Preparing for Black FridayThe key to making the most of Black Friday is preparation. Start by researching deals in advance. Many stores release their flyers, advertisements, and exclusive offers through their websites and apps. Make use of these resources to compare prices and ensure the discounts are genuine. This homework ensures you're not getting swept up by the hype of a sale that isn't what it seems.Next, create a comprehensive shopping list. Decide which items are essential and which are simply nice-to-haves. By distinguishing between needs and wants, you'll stay focused on your priorities and avoid being tempted by unnecessary purchases. A clear list will also help you manage your time efficiently when shopping.In-Store Shopping TipsFor those heading out to the stores, timing is critical. Avoid peak hours by opting to shop early in the morning or later in the evening when fewer people are out. This not only reduces stress but also helps you access the best deals with minimal competition.Safety is always a top priority. Be mindful of your surroundings and keep your personal belongings secure at all times. A small crossbody bag can be useful for minimizing the chance of losing items. You should also plan your route through the store. Familiarize yourself with the store layout by looking at maps or using store apps to find exactly where you need to go. This helps you avoid unnecessary wandering and confusion.Online Shopping StrategiesIf crowds aren't your thing, online shopping offers a comfortable alternative. You'll avoid long lines and have the opportunity to access special online deals that aren't available in stores. It's a great way to save time and energy.Ensure your online transactions are safe by using secure payment methods such as credit cards or trusted payment services like PayPal. Be on the lookout for scams; if a deal seems too good to be true, it probably is. Stick to reputable websites and be cautious with personal information.Budgeting and Financial TipsBudgeting ahead of time can save you from financial stress during the holiday season. Set a realistic budget for each item on your list and do your best to stick to it. This will help you avoid impulsive buys that can quickly add up and increase your spending unnecessarily.Track your spending as you go along. Apps or simple paper lists can help you monitor your purchases and ensure you're staying within your allotted budget. By reviewing your acquisitions regularly, you can adjust your spending plan as needed and keep everything under control.Add Senior Care to Your Shopping ListWith a bit of planning and organization, Black Friday shopping can be a productive and even enjoyable experience for seniors and their caretakers. Remember the key points: research and prepare, shop during less crowded times in-store, enjoy the convenience and safety of online shopping, and maintain a clear budget to avoid overspending. Most importantly, take time to enjoy the holiday season and treat yourself with care.If you need more personalized assistance or support at home, don't hesitate to reach out to Senior Helpers Fort Collins. Our team is here to assist seniors in Fort Collins, Englewood, Littleton, Lone Tree, and Longmont. Embrace the holiday spirit wisely and make the most of this Black Friday! Questions, please call us at 970-344-9931.

Complete These Safety Home Projects Before Cooler Weather

When cooler weather approaches, it's time to prepare your home to ensure safety and comfort during the winter months. This helps seniors, who are at a higher risk of falls and other seasonal hazards. Here's a list of safety-related home improvements that seniors should complete or have someone else complete before winter sets in.Addressing Slip and Fall RisksColder weather often brings icy and slippery conditions, which can increase the risk of falls. To address these risks, start by inspecting and repairing walkways and driveways. Fix any cracks and level uneven surfaces and consider adding non-slip treatments to reduce the risk of slipping. Installing handrails and grab bars can provide additional support and stability, especially in wet or icy conditions. Key locations to consider include bathrooms, near the toilet and shower, and on staircases, both indoors and out. It's best to have these professionally installed to ensure they are secure and properly positioned.Good lighting is critical to prevent trips and falls indoors. To improve visibility, use brighter bulbs in areas where seniors frequently walk, such as hallways and living spaces. Adding nightlights in key areas like bathrooms and bedrooms can provide guidance during nighttime visits.Tree and Landscaping HazardsWinter weather can also create hazards outside your home, particularly related to trees and landscaping. Overhanging branches can break under the weight of snow and ice, leading to property damage or personal injury. To mitigate this risk, trim back any branches that hang over your roof or walkways. If you have large trees, consider hiring a professional, as they have the right equipment and expertise.Clogged gutters can cause water damage or lead to the formation of ice dams. Clear out leaves and debris from gutters and downspouts to ensure proper drainage. Installing gutter guards can help minimize future clogging.Loose items can become dangerous projectiles during winter storms. To keep your outdoor space safe, store lightweight furniture and decorations in a shed or garage. Secure heavier items to prevent them from being moved by strong winds.Fire Prevention ImprovementsFire safety is crucial, especially in cooler weather, when heating appliances and holiday decorations are used more. Start by replacing old carbon monoxide and smoke detectors.Check the expiration dates on all detectors and replace any outdated ones. Install new batteries in all units to ensure they're functioning properly.Regular maintenance of heating systems can prevent fires and ensure efficient operation. Schedule professional maintenance for your furnace, boiler, or other heating systems. Clean vents and filters to remove dust and debris that could potentially start a fire.Emergency preparedness is critical for safety, and fire escape plans must be reviewed and practiced by all members of the household. Conduct regular drills to ensure everyone knows what to do in case of a fire.Its Important to Keep Seniors SafeCompleting these safety home projects before cooler weather arrives can make a significant difference in protecting your home and loved ones. Investing a little time now can help prevent accidents and emergencies later on. Don't wait until winter is here. Act now to secure your home against seasonal risks. If you need assistance with any of these tasks, Senior Helpers Greeley is here to help. We proudly serve Fort Collins, Loveland, Windsor, Estes Park, and Longmont. Contact us today to make your home a safer place. For more information, please call 970-373-3858.

Making a Safe Transition from Hospital to Home

Coming home from a hospital or nursing home stay us such a relief-finally back in one's own space! But the transition involves more than just moving locations. It's about the patient adapting to a new daily routine, managing health conditions, and perhaps dealing with new limits on what they can do.A smooth transition can lover the risk of problems, prevent returns to the hospital, can help recovery happen faster. That's why, if at all possible, patients should begin planning for their transition back home before they go into the hospital or nursing home.How Home Care Can HelpHome care services are essential in supporting recovery by complementing the medical care the patient may already be receiving. Here's how they help:Helping with daily life: Home Care workers help with everyday activities like bathing, dressing, cooking, and cleaning. This help is key to avoiding injuries and make sure the persons basic care needs are met. For those managing chronic disease, these tasks can become increasingly difficult, making the support from home care workers vital. Keeping Track of Medications: Proper medication management is crucial to avoid negative reactions and ensure treatment works. This is particularly important for seniors with chronic conditions such as diabetes or heart disease. Home care providers can organize medications, remind patients about dosages, and watch for side effects.Support with movement and rehab: Physical therapy is often a key part of recovery. Home care aids can help patients keep up with exercise, get to therapy appointments or set up in-home visits from therapists.Providing companionship: Recovering at home can be lonely, especially for those who live alone. Home care providers offer friendship, join in with social activities, and help keep the home a positive place, which is good for emotional and mental health. This support is essential for maintaining mobility and managing pain or other symptoms related to chronic conditions.Connecting with doctors: Home care workers can be an important link between the patient and their nurses or doctors. They can report changes in the patient's condition, including medication side effects, emotional or mental health issues, and changes in pain or other symptoms.How Home Care Works with Other ServicesHome care easily complements other health care services that an older adult might need, such as:Home Health Care Services: These services provide clinical care. For example, a home health care agency nurse may administer medicines, dress wounds, or provide medical exams, which are often necessary for those with chronic conditions.Hospital-at-home care: Some patients need even more than a visiting nurse. For example, their recovery may require medical equipment (and the expertise to use it). This level of care is provided by hospital-at-home programs.Hospice care: Hospice patients typically receive visits from a nurse, a social worker, and a spiritual adviser. In all cases, home care providers can offer nonmedical support by helping with household tasks, providing companionship, supporting the family emotionally, and talking the care recipient to medical appointments if that is part of their care plan.A Valuable Part of the Care Plan Adding home care services to an in-home recovery or care plan can be a big help for the patient and their support network. These services provide practical help and emotional support. What's more, they can enhance the effectiveness of ongoing health care services, ensuring safer, smoother transition. By creating an environment that supports healing and independence, home care services help older adults regain their strength and confidence at home. If you or a loved one is planning for recovery after hospital care, consider adding home care services for a more successful recuperation. How Right at Home Can HelpRightTransitions is Right at Home's proprietary hospital-to-home program. Our team provides nursing services, medication reminders, transportation, homemaking, and personal care. Learn more and find free downloadable checklists, tips, and other tools at https://www.rightathome.net/services/specialty-care/hospital-to-homeyou may also find our Ways to Pay for In-Home Senior Care: A Guide for Families helpful. It's available at https://www.rightathome.net/resources/guides/ways-to-pay 

Local Services By This Author

RTI Wealth Management

Financial Advisor 400 East Horsetooth Road, Fort Collins, Colorado, 80525

Our mission is to grow, educate and prepare our clients for the complexity that life can bring through consultation and education to arrive at individual solutions that fit you and your family.This is accomplished by taking a proactive approach at understanding the lives that each of our clients have. We then become that advocate that can help to coordinate and facilitate communication with tax, legal, and insurance professionals as well as other trusted advisors and often even family members.It is not about the value of your things, but what you value. It is everything that makes you, you. Your stories, the challenges you have overcome, the successes you have experienced, as well as what is important to you. You will have a dedicated advisor surrounded by a team with more than 40 years of combined experience in the industry to walk side by side with you on your journey.