Signs That Your Aging Parent Might Need Help

If you work for a midsize or large company, you may soon be able to review your employee benefits package, as we are entering the open enrollment season. So, consider your options carefully, with an eye toward making changes appropriate for your needs.             Here are some of the key areas to look at:             Retirement plan  Depending on your employer, you could change your 401(k) or similar retirement plan at any time of the year, but you might want to use the open enrollment season to review your contribution amounts. If your salary has gone up over the past year, you might want to boost your pre-tax contributions (including catch-up contributions beginning at age 50). At a minimum, try to put in at least enough to earn your employers match, if one is offered. At the same time, look over how your contributions are allocated among the various investment options in your plan. Youll want your investment mix to reflect your goals, risk tolerance and time horizon.              Life insurance  If your employer offers group life insurance at no cost as an employee benefit, you may want to take it but be aware that it might not be enough to fully protect your family should anything happen to you. You may have heard that you need about seven to 10 times your annual income as a life insurance death benefit, but theres really no one right answer for everyone. Instead, you should evaluate various factors including your mortgage, your income, your spouses income (if applicable), your liabilities, the number of years until your retirement, number of children and their future educational needs to determine how much insurance you need. If your employers group policy seems insufficient, you may want to consider adding some outside overage.             Disability insurance  Your employer may offer no-cost group disability insurance, but as is the case with life insurance, it might not be sufficient to adequately protect your income in case you become temporarily or permanently disabled. In fact, many employer-sponsored disability plans only cover a short period, such as five years, so to gain longer coverage up to age 65, you may want to look for a separate personal policy. Disability policies vary widely in premium costs and benefits, so youll want to do some comparison shopping with several insurance companies.             Flexible spending account  A flexible spending account (FSA) lets you contribute up to $3,200 pre-tax dollars to pay for some out-of-pocket medical costs, such as prescriptions and insurance copayments and deductibles. You decide how much you want to put into your FSA, up to the 2025 limit. You generally must use up the funds in your FSA by the end of the calendar year, but your employer may grant you an extension of 2 months or allow you to carry over up to $640.              Health savings account  Like an FSA, a health savings account (HSA) lets you use pre-tax dollars to pay out-of-pocket medical costs. Unlike an FSA, though, your unused HSA contributions will carry over to the next year. Also, an HSA allows you take withdrawals, though they may be assessed a 10% penalty. To contribute to an HSA, you need to participate in a high-deductible health insurance plan.              Make the most of your benefits package it can be a big part of your overall financial picture.  Chad Choate III, AAMS828 3rd Avenue WestBradenton, FL 34205941-462-2445chad.chaote@edwardjones.com This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.Edward Jones, Member SIPC

As we move through life, we accumulate objects that tell the story of who we are and the relationships weve cherished. For seniors, these items often hold even deeper meaningeach photo, letter, and memento carries with it a lifetime of memories. But over time, these treasured possessions can become overwhelming, taking up space and creating clutter. The challenge lies in finding ways to honor these memories while maintaining a home that feels organized, peaceful, and comfortable.At A Call to Order Professional Organizers, we understand that decluttering is not just about making space; its about preserving the essence of what matters most. Our goal is to help you organize your most precious senior possessions with love and respect, creating a living environment that reflects your unique journey. In this blog, well explore how to thoughtfully organize keepsakes so that theyre both accessible and lovingly preserved for years to come.Curating Your Collection with CareWhen it comes to organizing treasured possessions, its important to approach the process with care and intention. Each item holds a memory, a connection, or a piece of history, so the goal is not to discard these items, but to thoughtfully curate a collection that truly represents your lifes most meaningful moments.Step 1: Begin with ReflectionBefore diving into the organization process, take some time to reflect on which items hold the most emotional value. Sorting through personal belongings can be a deeply emotional experience, so its essential to go at your own pace. Ask yourself: Which items make you smile when you see them? Which ones carry stories you want to share with loved ones? This initial reflection helps you identify the objects that deserve a place of honor in your home.Step 2: Categorize Your KeepsakesOnce youve selected your most precious items, its helpful to categorize them. Group similar items together, such as family photos, letters from loved ones, travel souvenirs, or heirlooms passed down through generations. This process allows you to see what you have and makes it easier to decide how to display or store them.At A Call to Order, we guide our clients through this process, helping them sort through their possessions with empathy and care. We understand that parting with certain items can be difficult, so we focus on keeping what truly matters while organizing in a way that feels manageable and comforting.Step 3: Display with PurposeFor many seniors, having their most meaningful items on display is a way to keep memories alive. Whether its a shadow box of family heirlooms, a curated photo wall, or a memory shelf filled with travel mementos, displaying items thoughtfully can bring daily joy. Consider rotating your collectionputting some keepsakes on display for a season, while safely storing others for future enjoyment. This way, your living space doesnt feel cluttered, but still reflects your lifes rich tapestry of memories.Safekeeping and Sharing Your LegacyAfter organizing your cherished possessions, its just as important to ensure their safekeeping and plan how to pass them along to future generations. Preserving your legacy can be a deeply fulfilling process, and A Call to Order can help you every step of the way.Step 1: Create a Safe Storage SystemFor items that are not on display, having an organized storage system is key to keeping them safe and accessible. Use labeled, archival-quality boxes to store fragile items like old photographs, letters, or documents. These containers are designed to protect against deterioration and ensure that your keepsakes stay in excellent condition. Be sure to label boxes or storage bins clearly so that you and your family can easily locate items when the time comes to reminisce or share memories.Step 2: Digitize Important MemoriesOne way to ensure the longevity of your precious possessions is by digitizing them. Old photos, important documents, and even handwritten letters can be scanned and saved digitally, providing peace of mind that these memories wont be lost to time. Digital copies can also be shared with family members, allowing everyone to enjoy them without the risk of losing the originals. A Call to Order can help you set up a digital archive, ensuring that your most important memories are preserved for generations to come.Step 3: Share Your Story with Loved OnesPerhaps the most rewarding aspect of organizing your treasured keepsakes is the opportunity to share your lifes journey with family and friends. Consider creating memory albums or scrapbooks for each child or grandchild, filled with photos and personal stories that reflect your time together. Not only does this preserve your legacy, but it also strengthens bonds and creates a meaningful connection between generations.Additionally, passing along family heirlooms or special possessions can be a beautiful way to keep your legacy alive. If there are items youve always intended to pass down, take the time now to write a note about the history and significance of each one. These notes add an extra layer of meaning to the heirloom, ensuring that the story behind the object is never forgotten.At A Call to Order Professional Organizers, we know that organizing your most precious senior possessions is about more than declutteringits about honoring your past, preserving your legacy, and creating a space that reflects the love and memories youve gathered over the years. With thoughtful care and personalized guidance, we help seniors curate, protect, and share their treasured keepsakes, ensuring that the essence of their lives is preserved for generations to come.Whether youre looking to display your favorite memories, create a safe storage system, or pass along cherished heirlooms to loved ones, A Call to Order is here to support you in every step of the journey. Let us help you turn your collection of treasures into a beautifully organized legacy that will be treasured by generations to come.

Practical Tips for Safety, Independence and JoyAbout the Author: Sherri Snelling is a leading gerontologist, author, and expert in aging and caregiving. She is dedicated to educating and empowering families on promoting dignity, purpose, and well-being for older adults. Dementia and Alzheimer's disease (AD) are a growing concern for many families which is why it is important to be well-informed and well-prepared to support a loved one. Nearly 7 million Americans are currently living with Alzheimer's, the most prevalent type of dementia representing 70% of all dementia diagnoses, according to the Alzheimer's Association. In addition, these adults are being cared for by 11 million family members, and by 2050 Alzheimers is expected to nearly double, reaching approximately 13 million. A dementia diagnosis is a diagnosis for the whole family. While an Alzheimer's or related dementia diagnosis can be daunting, it is important to help an AD adult maintain a healthy and fulfilling life in the comfort of their own home. Research suggests that staying at home as long as possible is linked to a better quality of life for those with dementia and Alzheimer's.1Dementia family caregivers whether an adult child, spouse or other family member can find their caregiving role challenging but also rewarding.  Following are some tips and guidance to help make it easier to provide care at home for a parent, spouse, or grandparent with Alzheimer's, while also finding moments of connection and joy.Creating a Safe and Comforting Home EnvironmentIssues related to Alzheimer's and dementia can impact an individual's ability to keep themselves safe. To make the home a safer and more comforting place, consider the following steps: Secure hazardous areas: Lock garages, basements, and sheds, especially where hazardous materials or tools are located, since 60% of AD adults wander and may be in danger of falls or other health risks.Enhance lighting: Keep walkways and rooms well-lit as a person with Alzheimers may have impairment of their visual field and their pupils often adjust more slowly to both bright and low light so maintaining good lighting throughout the home is essential.Minimize tripping hazards: People with AD have impaired balance so remove clutter and obstacles to create a clear path for movement and reduce the risk of fallsInstall handrails: Consider adding handrails or chair rails in hallways to assist with balance, as Alzheimer's can affect motor skills.Establishing Routines for Familiarity and IndependenceMaintaining routines and schedules can help reinforce a loved ones sense of familiarity, of control and independence while also reducing anxiety. A consistent routine actually uses rote memory rather than working memory and is easier for AD adults to maintain in the early and mid stages of the disease. Routines not only benefit the individual with Alzheimer's but also makes it easier for caregivers to plan their day and manage caregiving responsibilities.Fostering Joyful Moments Through Creative ActivitiesEngaging in everyday positive moments through creative activities and social events can significantly enhance the quality of life and overall health for individuals with Alzheimer's. Activities that keep older adults engaged include:Memory-related activities: Take a trip down memory lane by looking at old photos, taking a joyride to familiar places in your loved ones past or just reminiscing about past experiences.Sensory engagement: Stimulate the senses with their favorite music or the aromas of beloved foods, which are two powerful ways to spark positive memories. Music memory is the longest memory kept within an Alzheimers brain.Art projects: Simple art projects can keep their hands and minds busy, fostering creativity and relaxation. Keep in mind the sense of touch tactile projects with different types of touch sensations are very engaging for someone with AD.Physical activity: Encourage physical activity, such as walking, to help maintain a regular sleep schedule and promote overall well-being. Studies have found walking in nature is more beneficial than walking inside for everyone including those with dementia.2The Role of Professional CaregiversProfessional caregivers can play a crucial role in creating a personalized care plan that allows your loved one to experience greater well-being through positive moments, meaningful connections, and a more purposeful life. This is especially valuable in the familiar environment of home, where comfort and security are paramount. They also can provide important respite breaks for family caregivers who find dementia caregiving can take an emotional and physical toll.Connecting with an in-home caregiver network, like Comfort Keepers, can provide the specialized care needed for seniors with dementia. Comfort Keepers offers highly trained caregivers who are equipped to help older adults stay engaged physically, mentally, and emotionally while living independently at home. References1 Leverton, M., & Pui Kin Kor, P. (2023). Supporting people with dementia to live at home. BMC geriatrics, 23(1),681. Retrieved from: https://bmcgeriatr.biomedcentral.com/articles/10.1186/s12877-023-04389-w  2 Boere, K., Lloyd, K., Binsted, G., & Krigolson, O. E. (2023). Exercising is good for the brain but exercising outside is potentially better. Nature scientific reports, 13(1), 1-8. Retrieved from: https://www.nature.com/articles/s41598-022-26093-2