The Five-Year Lockbox Trust

Many married couples share almost everything, including finances. This may be reflected in their estate plan by using one joint living trust instead of two separate trusts. Separate trusts can provide greater flexibility, but a joint trust can be structured so that when one spouse passes away, the trust is split into two sub-trusts: a survivors trust and a decedents trust. This arrangement provides the surviving spouse with the same versatility that separate trusts offer. The surviving spouse has full control over their survivors trust, but may have limited control over the deceased spouses accounts and property that make up the decedents trust. Decedents Trust and a Survivors Trust A survivors trust is a middle ground between a joint trust and separate trusts. If a couple chooses to combine their assets (accounts and property) into a joint revocable living trust, both spouses will usually be named as trustees and beneficiaries. The joint trust can further stipulate that when one spouse passes away, the trust divides into subtrusts. One of those subtrusts can be a survivors trust. A second subtrust, the decedents trust, will also be created to hold and manage assets owned by the decedent. How a Survivors Trust Works A typical joint trust arrangement lists four types of property, depending on the state in which you live: Joint assets Community property First spouses separate property Second spouses separate property When the first spouse dies, the survivors trust receives one-half of the community property, one-half of the joint property, and all property identified as the separate property of the surviving spouse. The deceased spouses half of the community property and joint property, along with their separate property, may be funded into the decedents trust with its own set of instructions. The trust agreement could also state that all of the deceased spouses property will go into the survivors trust instead of going into a separate subtrust. Reasons to Have a Survivors Trust Regardless of exactly how the joint trust assets are allocated, a crucial distinction is that a survivors trust is revocable, while the decedents sub-trust is irrevocable. This means that the surviving spouse retains full control over the survivors trust. They can alter the terms of the trust however they want. For example, they can add and remove assets, change beneficiaries, appoint new trustees, or terminate the trust. The surviving spouse can also completely change the terms of the survivors trust in its entirety. While the surviving spouse may be the beneficiary of the decedents trust, the surviving spouse will likely have less control over the management of assets in the decedents trust. This allows the deceased spouse to put protective measures in place while they are alive to make sure that their assets are managed the way they want and that someone cannot change the rules after they pass away. This can be helpful for clients who are worried about their spouse remarrying after their death and to ensure that assets that remain at the surviving spouses death go to a predetermined person. The purpose of any trust is to take care of loved ones and protect assets from costly probate and taxes. To discuss an estate plan that meets your goals, please schedule your appointment with our Estate Planning attorneys - 724-375-4005.

Osteoporosis is a condition that weakens bones, making them fragile and more likely to break. It is quite common among seniors and can significantly impact their quality of life. Good nutrition plays a vital role in managing osteoporosis and maintaining bone health. Consuming the proper nutrients can help slow down bone loss and may prevent fractures. Senior Helpers explores key dietary strategies to support bone health for seniors dealing with osteoporosis.Essential Nutrients for Bone HealthFocusing on certain nutrients can assist in keeping bones healthy. Here are a few to consider:Calcium  Calcium is the primary component of bone and provides the necessary structure to keep bones strong. Adequate calcium is essential for seniors to reduce bone loss, with a recommended 1,200 milligrams of calcium per day.Vitamin D Vitamin D is equally important because it helps the body absorb calcium. Without sufficient vitamin D, even a calcium-rich diet won't be effective. Sunlight is a good source of vitamin D, but many seniors need to rely on diet or supplements to meet their needs.Magnesium  Magnesium facilitates the efficient absorption and function of calcium. A deficiency in magnesium can potentially contribute to the risk of osteoporosis and hinder bone health.Vitamin K Vitamin K supports Vitamin D in the body to improve bone density. Green, leafy vegetables are a great source of Vitamin K. It also contains healthy antioxidant properties.Protein Protein helps build and maintain muscle mass, which serves as a framework for supporting bones. It may also promote higher calcium intake and absorption.How to Incorporate Nutrients into Your DietYou can get calcium from both dairy and non-dairy sources. Dairy options include milk, cheese, and yogurt. Fortified plant milk, tofu, and leafy green vegetables, like kale and broccoli, are great alternatives for those who are lactose intolerant or prefer non-dairy options. Consider almonds or a smoothie with fortified milk for a tasty snack. Though sun exposure is a natural way to get vitamin D, dietary sources like fatty fish or fortified cereals can fill the void when sun exposure is not possible. A healthcare provider might recommend supplements. Eat a balanced diet with vegetables, fruits, lean proteins, and whole grains to support bone health and contribute to overall well-being.What Are the Challenges?Eating a nutrient-rich diet can be easier said than done. Seniors often face challenges like reduced appetite or dietary restrictions. Eating smaller, more frequent meals throughout the day increases nutrient intake. Lactose-free products or calcium-fortified food choices can help seniors meet their calcium needs. A healthy weight is essential to lessen the strain on bones. Seniors should consume a balanced diet and stay active to help support weight management. Simple activities like walking or light exercises tailored for seniors can be very beneficial after consultation with healthcare providers.Senior Helpers Can Assist with Meal PlanningSenior Helpers provides comprehensive, in-home senior care services designed with the health and happiness of our community's seniors in mind. If you live in the Cheyenne or Laramie areas, don't hesitate to contact us anytime at Senior Helpers Cheyenne. We are happy to help you or your loved one with meal planning and finding the right foods to support bone health to reduce the risk of fractures and enjoy a better quality of life. Call us today to learn more, 970-367-7014.

Maintaining heart health becomes increasingly necessary as we get older. Throughout our lives, our hearts work tirelessly to support our bodies. In our senior years, it becomes dire that we provide them with the best care possible. A well-balanced diet keeps our hearts healthy. Learn to choose the right foods that can help manage weight, improve cholesterol levels, and lower blood pressure.The Need for Heart-Healthy NutritionTo maintain heart health, certain nutrients are particularly beneficial. Omega-3 fatty acids, commonly found in fatty fish, are great for reducing inflammation and lowering heart disease risk. Fiber, abundant in whole grains and fruits, helps regulate cholesterol levels. Antioxidants, present in various fruits and vegetables, combat damage in the body caused by free radicals. A balanced diet rich in these nutrients can significantly benefit seniors, helping to maintain both heart health and overall well-being. However, seniors often face dietary challenges, such as decreased appetite, culinary limitations, or restricted access to fresh groceries, making it necessary to find helpful ways to incorporate them into the diet.Specific Heart-Healthy Foods to EatIncorporating foods rich in essential nutrients can strengthen heart health. Fatty fishlike salmon and mackerel are excellent sources of omega-3 fatty acids, supporting heart function. Whole grains, such as oats and brown rice, are packed with fiber, aiding in maintaining healthy cholesterol levels. Fruits and vegetables are rich in antioxidants and fiber, making them indispensable to a heart-healthy diet. When shopping, choose fresh, vibrant produce and whole foods. Farmers' markets or grocery stores in the Fort Collins area often have seasonal fruits and vegetables that are both fresh and affordable.Easy Heart-Healthy RecipesAdding heart-healthy foods to your diet doesn't have to be complicated. Below are some simple and nutritious recipes to get started:Salmon Salad: Mix canned salmon with a bit of olive oil, lemon juice, and a pinch of salt. Add diced cucumber, tomatoes, and a handful of spinach. Serve on whole-grain bread for a quick, nutrient-rich meal.Oatmeal With Berries: Cook oats in water or milk. Top with fresh or frozen berries and a sprinkle of nuts for a fiber-packed breakfast.Vegetable Stir-Fry: Saut your favorite vegetables like bell peppers, broccoli, and carrots in a bit of olive oil. Add tofu or chicken for protein and serve over brown rice.These recipes are designed to be straightforward, requiring minimal preparation and cooking skills. Planning meals in advance can also help seniors or their caregivers prepare heart-healthy dishes throughout the week.Tips for Incorporating Heart-Healthy FoodsGradually introducing heart-healthy foods is a manageable way to transform your diet. Swap processed snacks for fresh fruits or nuts, and focus on balanced, smaller portions. Practice mindful eatingtake your time while eating to aid digestion and increase satisfaction. When dining out, opt for grilled, baked, or steamed options, and ask for dressings and sauces on the side to manage portion sizes and sodium intake.Building Heart-Healthy Habits for the FutureAdopting heart-healthy eating habits doesnt have to be overwhelming. With simple changes, seniors can significantly improve their heart health and overall vitality. Choosing nutrient-rich foods and sticking to manageable meal plans can make a lasting difference in well-being.At Senior Helpers Greeley, we are committed to assisting seniors and their families in adopting heart-healthy habits. If you reside near Loveland, Fort Collins, Estes Park, Wellington, or Windsor, contact us for personalized advice and support on maintaining a heart-friendly diet. Let's work together for a healthier heart and a healthier life! For more information, please call 970-344-9486.