Steps to take before - and after - a divorce

You should always be able to ask as many questions as youd like when working with your financial advisor. So, before you have your annual review, think carefully about what youd like to ask. Here are a few suggestions: Are my goals still realistic? When you first began working with your financial advisor, you may well have articulated several financial goals. For example, you might have said that you wanted to pay for most of your childrens college education, or that you'd like to retire at age 55, or that you hope to travel internationally every year during retirement. In fact, you could have many different goals for which youre saving and investing. When you meet with your financial advisor, youll certainly want to ask whether youre still on track toward meeting these goals. If you are, you can continue with the financial strategies youve been following; but if you arent, you may need to adjust them. The same is true if your goals have changed. You and your financial advisor will want to build a strategy to address any new or different goals such as emergency cash needs, having adequate insurance protection or estate planning. Am I taking on too much or too little risk? Put market declines in perspective. The financial markets always fluctuate, and these movements will affect the value of your investment portfolio. Suppose you watch the markets closely every day and track their impact on your investments. You may find yourself fretting over their value and wondering whether youre taking on too much investment risk for your comfort level. Conversely, if during an extended period of market gains your own portfolio appears to be lagging, you might feel that you should be investing more aggressively, which entails greater risk. In any case, its important to consult with your financial advisor to determine your risk tolerance and use it as a guideline for making investment choices. How will changes in my life affect my investment strategy? Your life is not static. Over the years, you may experience any number of major events, such as marriage, remarriage, loss of a spouse, birth of children or grandchildren, changing jobs or illness leading to early retirement.  When you meet with your financial advisor, you will want to discuss these types of changes, because they can affect your long-term goals and your investment decisions. How are external forces affecting my investment portfolio? Generally speaking, you will want to create an investment strategy based on your goals, risk tolerance and time horizon. And, as mentioned, you may need to adjust your strategy based on changes in your life. But should you also make changes based on outside forces, such as interest rate movements, political events, inflation, new tax legislation or news affecting industries in which you have invested substantially? Try not to make long-term investment decisions based on short-term news. Yet, talk with your financial advisor to make sure your investment portfolio and spending strategy are not out of alignment with relevant external factors. By making these and other inquiries, you can help yourself stay informed about your overall investment picture and what moves, if any, you should make to keep advancing toward your goals. A financial advisor is there to provide you with valuable guidance so take full advantage of it.        Chad Choate III, AAMS 828 3rd Avenue West Bradenton, FL 34205 941-462-2445 chad.chaote@edwardjones.com This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

Whether your aging parent is transitioning to assisted living, downsizing to a senior apartment, or moving in with family, planning ahead can ease the stress for everyone involved. Moving in later life comes with unique emotional and physical challenges, but you dont have to do it alone.As a senior living placement company in the Greater Pittsburgh area, weve helped many local families navigate this journey with confidence and compassion. Here are six practical tips to support you and your loved one every step of the way.1. Start Small and Share the LoadLets face it: a lifetime of memories can be hard to pack. Many older adults have spent decades in the same home, surrounded by treasured keepsakes and familiar routines. The thought of letting go can be overwhelming.Heres how to lighten the emotional load: Begin with low-sentiment spaces like guest rooms or bathrooms. That first win builds momentum. Sort together. Create keep, donate, and pass along piles. Encourage your loved one to gift meaningful items to children, grandchildren, or close friends. Make it meaningful. Donating to local Pittsburgh charities or giving heirlooms to family members can bring peace of mind. 2. Consider Senior Move Management ServicesHiring a professional can make a world of difference. While friends and family are often eager to help, a neutral third party especially one trained in working with older adults can ease tension and smooth the process.Look for services like: Senior move managers who specialize in downsizing and relocation for older adults. Companies affiliated with the National Association of Senior Move Managers (NASMM) for trustworthy help. Local resources in Pittsburgh that offer packing, organizing, estate sales, and post-move support. If youre juggling work, caregiving, and moving logistics, outsourcing some of these tasks can give you much-needed peace of mind.3. Make Travel Safe and ComfortableGetting from point A to point B isnt always easy for older adults. Whether youre moving your loved one across town or across state lines, transportation should fit their health and comfort needs.Travel tips for seniors: Add buffer time. Frequent breaks help with circulation and comfort. Plan around mobility needs. For flights, request wheelchair service and pre-boarding. For car trips, pack medications, snacks, and extra pillows. Look into senior transportation services. In Pittsburgh and beyond, some companies offer non-emergency medical transport, including services equipped with stretchers, wheelchairs, or even nursing staff. 4. Set Up Health Care Before the MoveA new ZIP code may mean a new doctor, pharmacy, and care team. Take care of these logistics early to ensure a smooth transition especially if your loved one has ongoing health needs.To-do list: Transfer prescriptions to a nearby pharmacy. Verify insurance coverage in the new area check which local specialists and clinics are in-network. Connect with a geriatric care manager. These experts often know the best local healthcare providers and in-home care agencies in Western PA. Having a plan in place ensures continuity of care from day one.5. Help the New Space Feel Like HomeEven if the new apartment or assisted living suite is smaller, it can still feel cozy, familiar, and full of life. Small touches make a big difference.Ideas to personalize the new home: Recreate familiar spaces by placing photos and dcor just as they were before (snap a few reference photos before packing). Unpack favorite blankets, books, or that special coffee mug first. Bring beloved furniture or artwork, and explore fun updates like a new recliner or colorful accent wall. Many senior living communities surrounding Pittsburgh encourage residents to decorate their rooms to reflect their style this helps ease the emotional transition.6. Emphasize the PositivesYour loved one may be leaving behind a house filled with memories, but theyre also stepping into a new chapter one filled with support, activities, and connection.Help them see the bright side: Less worry. No more home maintenance or mowing the lawn. More connection. Many assisted living communities offer events, exercise classes, and outings. Opportunities for joy. Explore local senior centers, volunteer programs, or art classes in their new neighborhood. Encourage them to explore and celebrate whats next.Ready to Take the Next Step?Moving a senior loved one can feel like a huge undertaking but you dont have to navigate it alone. As a trusted senior living advisor in Pittsburgh, weve helped thousands of families find the right care options, whether it's assisted living, independent living, memory care, or downsizing solutions. Let us guide you through the process from personalized placement help to local resource referrals. Contact us today at Serving Our Seniors to speak with a compassionate senior care advisor who truly understands the Pittsburgh area.

As the senior population continues to grow across the Western Slope of Colorado, so does the need for personalized, expert guidance in navigating aging-related challenges. One of the most valuable resources for families and seniors is a Geriatric Care Manager (GCM)a professional who serves as an advocate, guide, and coordinator in the complex world of elder care.In this blog, well explore what a Geriatric Care Manager does, how they can benefit aging adults and their families, and where to find these services across the Western Slope region. What Is a Geriatric Care Manager?A Geriatric Care Managersometimes referred to as an Aging Life Care Professionalis a licensed expert in fields like nursing, social work, or gerontology. Their role is to assess, plan, and coordinate care for older adults, with the ultimate goal of improving quality of life and reducing family stress.Whether a senior lives independently, with family, or in a care facility, a Geriatric Care Manager can step in to create customized care strategies and ensure those plans are carried out effectively. How a Geriatric Care Manager Can HelpFamilies often feel overwhelmed by the many decisions involved in senior careespecially when distance or limited time is a factor. A Geriatric Care Manager can provide:Comprehensive assessments of medical, social, and safety needsDevelopment and oversight of care plansCoordination of services, such as in-home care, transportation, or therapyCrisis intervention and support during transitionsFamily mediation and educationLocal resource navigation specific to the seniors locationThese professionals act as trusted partners and advocates for older adults, helping families make informed decisions with confidence. Why the Western Slope of Colorado Benefits from Geriatric Care ManagersThe Western Slope of Coloradowhich includes communities like Grand Junction, Montrose, and Glenwood Springsoffers a unique blend of small-town values and scenic beauty. While its a desirable place to age, it can also present challenges when it comes to accessing specialized care and services.A Geriatric Care Manager who understands the local healthcare landscape and senior resource network is a valuable asset in this region. From coordinating with local physicians to finding the right assisted living communities or home care providers, a GCM ensures nothing falls through the cracks.Explore Senior Resources in the Western Slope of ColoradoBrowse Geriatric Care Services in Western Slope When Should You Hire a Geriatric Care Manager?You might consider working with a GCM in the following situations:A senior has multiple chronic conditions and requires coordinated careFamily members live far away or cannot provide daily oversightTheres confusion about local resources or long-term care optionsTransitions between care settings (home to hospital, rehab to assisted living) are approachingCaregiving responsibilities are causing family conflict or burnoutEarly involvement with a Geriatric Care Manager can prevent future crises and ensure aging adults maintain independence for as long as possible. How to Choose a Geriatric Care ManagerWhen selecting a Geriatric Care Manager in the Western Slope, consider these tips:Look for credentials such as RN, LCSW, or certification from the Aging Life Care AssociationAsk for experience related to your specific needs (dementia care, disability support, etc.)Clarify how services are billedsome work hourly, others on a retainerEnsure they are familiar with regional healthcare providers and senior living optionsTake time to speak with several professionals before choosing the right fit for your loved one. Final Thoughts A Geriatric Care Manager can be a vital partner in helping older adults on the Western Slope of Colorado age with dignity, safety, and support. Whether you're facing a sudden health change or simply planning for the future, having a knowledgeable professional by your side can bring clarity and peace of mind.