Retirement Planning

Author

Stone Law, LLC

Posted on

Aug 12, 2021

Book/Edition

Colorado - Northern Colorado

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We spend time and money investing in our retirement. And when the time comes to retire, we usually have plans for traveling, visiting family and friends, golfing, or just relaxing anywhere we can after many years of hard work.
With careful and strategic estate planning, you can maximize your retirement benefits and ensure that your assets are protected for future generations.


Social Security, Supplemental Security Income, Railroad and Veterans Benefits
There are many benefits availablefrom social security and supplemental security income, to benefits specifically for veterans and railroad workers. Figuring out how to apply, filling out the application, and understanding the appeals process if your initial application for benefits is denied, can be tricky. Even knowing when you are eligible and for what services or funds can be tricky. At Stone Law, we work with you to determine what you are eligible for and we provide assistance through the whole process, starting with your initial application through to any possible appeals.
Pensions, 401k Plans, IRAs and Roth Retirement Plans
Knowing which retirement plans and accounts you have, when and how distribution of funds work, who your beneficiaries are, and how to manage these assets is important. Depending on the amount of money available and invested, decisions will need to be made to plan for what happens after you pass away.


Simply leaving the money to your spouse, partner or children named as beneficiaries might not be enough. Estate taxes and other financial issues might arise for your family. With proper estate planning, you can maximize your hard work and reap the benefits for years to come. Call today for an appointment and we will work with you to ensure you have the right estate planning in place, whether that means starting from scratch or working with existing estate plan documents.

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How to Stop Your Skin from Drying Out in Late Fall

When the vibrant colors of autumn transition into the crispness of late fall, many people enjoy the change of scenery and cooler weather. However, this seasonal shift also brings about a common concern: dry skin. For seniors, maintaining healthy skin during this time can be particularly challenging. Dry skin can lead to itching, cracking, and discomfort, making it essential to take proactive steps to protect and nourish the skin during these colder months.The Causes of Dry Skin in Late FallThe combination of cold winds and dropping temperatures outside can strip your skin of its natural moisture. When you add indoor heating to the mix, it can create a perfect storm for dry skin. Furnaces and heaters, while keeping your home warm, also reduce the humidity in the air, leading to drier skin. Seniors are susceptible to these conditions, as aging skin is already less capable of retaining moisture. Understanding these factors can help you better prepare and counteract their effects.Tips for Keeping Skin MoisturizedTaking a few simple steps can make a big difference in keeping your skin moisturized and healthy throughout late fall.Use of MoisturizersChoosing the right moisturizer helps seniors. Look for products labeled as "fragrance-free" and "hypoallergenic" to minimize the risk of irritation. Creams and ointments, rather than lotions, are generally more effective for dry skin because they contain more oil and less water. Apply moisturizer immediately after bathing, when the skin is still damp, to lock in moisture. Regular application, perhaps twice a day, can help maintain a healthy barrier against the elements.Staying HydratedDrinking enough water is one of the simplest ways to keep your skin hydrated from the inside out. Aim for at least 8 glasses of water a day. Incorporate hydrating foods into your diet, such as cucumbers, oranges, and watermelon, which have high water content. Herbal teas and broths can also contribute to your hydration goals while offering warmth during chilly days.Protective ClothingWearing the right clothing is another layer of defense against dry skin. Jackets, coats, and gloves help shield your skin from cold winds and frigid temperatures. Consider layering your clothing as well; it allows you to stay warm and maintain a comfortable temperature without overheating, which can also dry out your skin.Additional Skin Care PracticesBeyond basic moisturizing and hydration, there are several other practices that can enhance skin health during late fall. Implement a gentle skin cleansing routine. Use a mild, fragrance-free soap, and avoid hot water, which can strip the skin of natural oils. opt for lukewarm water instead to cleanse without over-drying.Be Proactive with Senior Skin Health and MoreCaring for your skin during the late fall is an aspect of overall health, particularly for seniors. By understanding the causes of dry skin and implementing these tips, you can enjoy healthier, more comfortable skin as the seasons change. If you're in Fort Collins, Loveland, Greeley, or Longmont, and need assistance with senior care services, contact Senior Helpers Greeley. Our team is dedicated to providing personalized care that helps seniors lead a vibrant, healthy life. Don't let the changes of the seasons prevent you from feeling your best; take charge of your skin health today.

Caregiver Legal and Financial Considerations: Power of Attorney

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Local Services By This Author

Stone Law, LLC

Estate Planning 430 East 6th Street, Loveland, Colorado, 80537

At Stone Law, we support you and your family with any aging and disability concerns. We can help make sure you have a solid plan for these and other what ifs to give you peace of mind. Our primary goal is to advocate for the elderly so no one can take advantage or manipulate a situation to their benefit. We aim to make sure your needs and wishes are met. We will always be sensitive to your needs and emotions. We also recognize that issues and concerns are broader than simply addressing legal needs and can help facilitate partnerships with other helpful agencies.

Stone Law, LLC

Elder Law 430 East 6th Street, Loveland, Colorado, 80537

There are so many issues that can addressed with effective estate planningfrom something as simple as a will to a complex trust specifying who gets what finances from your estate and how they can use the fundsyour worries and concerns can all be taken care of. We can also include special planning for those with disabilities who need additional support. With proper estate planning, you can ease the burden on your loved ones following your death or illness. Stone Law can help you plan for whatever you and your family need.