Resources For Aging Well

Marriage is more than a ceremony its a union of families and finances. When you and your partner are honest with each other about money and financial goals, it can help build trust, leverage your strengths and help pave the way for a financial happily ever after. Since talking about money can be difficult, begin with conversations not so much about money itself but about the things that matter to you. Youll find these are also your financial priorities and a good way to see if youre on the same page, or how far apart you might be.Here are a few conversation starters.         Make a list of short- and long-term goals from buying a house to retiring early. Do you want children? Will one of you change careers or go back to school? See where your lists overlap and where some goals may be more important to one partner.          Ease into the financial implications. If you plan to grow your family, would one of you like to stop working or reduce your hours to provide child care? If more schooling is a priority, what kinds of changes might that require?         Share your feelings about money. How did your family treat money while you were growing up? What does money mean to you security, freedom, stress or something else? Are you both spenders or savers, or is there one of each?  Before your big day, or early in your marriage, decide how youll blend your financial lives.         Fully disclose your current financial situation. Discuss each partners assets and debts and how, or if, youll combine them. Theres no one right answer the key is for you both to agree. In nine community property states, all assets and debts are shared 50/50 after marriage regardless of individual or joint account status. Check to see whether yours is one of them.         Align on your budget and spending. This can empower you to spend within your means while moving toward your financial goals.          Determine who will handle the various tasks of managing money. Who is responsible for which bills, who files the taxes and when will you consult each other on financial decisions like major purchases a car, perhaps, or a major household appliance?  Once you're married, there are a few things to address right away. You may want to consult with financial, tax and legal professionals to help avoid pitfalls and identify opportunities.          Employer benefits. Newly married employees usually have a 30-day special enrollment period to update certain benefit elections such as health and life insurance.          Taxes. Adjust the W-4 tax withholding on your employee forms to reflect your marital status and ask your tax professional which tax-filing status makes sense for you.          Insurance policies. Combine and update policies and beneficiaries, including adding each other to auto insurance policies if you drive each others cars.          Estate documents. Now with a family, prepare for the unexpected. Create or update a will, medical directive, and financial and health care powers of attorney, and you may want to explore whether a revocable trust is appropriate. Getting married is perhaps one of the most exciting times of your life. As you commit to a lifetime together, make sure that includes a financial commitment. By starting a habit of financial discussions now and returning to them periodically, you can help set yourselves up for a lifetime of financial compatibility, stability and freedom.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.

Have you ever heard horror stories about families fighting over Grandma's jewelry or getting stuck in a never-ending legal battle after someone passes away? Or about how long it can take to sell a house tied up in the court process? What about family members being denied their inheritance completely? Unfortunately, these situations happen every day. Not even the rich and famous are immune! A simple Google search will pull up dozens of celebrity stories about all the conflict that ensues after they die. But most people dont realize these things are avoidable - if you understand the process. So, if youve thought about creating a will or trust to avoid these outcomes, lets ensure youre fully aware of whats at stake first. Well use a food analogy throughout this article, so our apologies if we make you hungry.Lasagna as an Example of the Difference Between a Will or Trust and an Estate Plan Lets start by getting really clear on what were talking about. Youve probably heard the term estate planning numerous times, but do you really know what it is? Contrary to what you may have heard or read about, estate planning and The documents involved - such as a will or trust - are not quite the same thing. Think of your favorite recipe. Well use lasagna as an example. A lasagna recipe includes a few different components: the ingredients needed to make the dish, how much of each ingredient you need, and the steps you have to take to transform the ingredients into a dish. Without the steps, the ingredients are just ingredientsthey dont create anything.  Estate planning is similar. Your estate plan is the recipe, and the documents are the ingredients. A will or trust may be the pasta or the sauce, but they are not the lasagna. Sure, theyre necessary components of the lasagna, but without the other ingredients and steps, theyre just pasta and sauce. Same with estate planning. If you just create a will or trust, you have documents that are just documents. They dont do anything by themselves. That most people think the documents ARE the estate plan is a common misconception based on a lack of knowledge. Too many people are focused on the documents, even many lawyers, and so think all they need to do is create those documents, sign them, and call it a day. Even so-called financial experts will tell you this. And theres a whole new tech industry based on this premise, with do-it-yourself programs like LegalZoom. AI has even joined the fold. Every single one of these people and companies is talking about the documents, or the ingredients. They are not telling you about the recipe. They are not showing you how to make the lasagna, but rather, theyre telling you about some (not even all) of the ingredients you need. What results are the big messes mentioned above: families in court and conflict, fights over sentimental items, long wait times to sell a house or distribute any of the assets, and even big, unnecessary tax bills.  To truly protect your loved ones and ensure your wishes are carried out the way you want, as easily as possible for the people you love, you need a comprehensive estate plan, not just the documents. The plan lays out not only the ingredients you need, but also in what amounts, and what actions must be taken to make the lasagna. If you havent created a comprehensive plan of your own, or your current plan fails for any reason, know that theres a plan already made for you. Its a plan laid out in your States law, and it may be very different from what you want.  Your States Recipe for Lasagna May Be Gross To illustrate the difference between the States plan for you and one you can create for yourself, lets get back to our lasagna example. Lets say the States recipe for lasagna includes spicy sausage, but you cant tolerate spicy foods. The states plan may contain meat, but youre a vegetarian. Or, it could be that the States recipe includes mushrooms, but your child is allergic to mushrooms. Some ingredients may be missing altogether, and the recipe will probably tell you that you cant even cook the lasagna for months, or even years (goodness, your family will be hungry!). Whatever the situation, its possible that the States plan includes some component that you dont like, or even one that could be disastrous to your family.  In reality, your states plan says how your assets will be distributed, who will get them and in what amounts. It requires a court process, which can be lengthy and expensive, and sometimes assets are frozen until the court process is over. Its also set up for conflict, as your family members - even if youre estranged - are required to get notice of the court proceeding, what assets you have, and are invited to make a claim for your assets. You may not like any of this. If not, heres the good news. The law also says you can create your own plan and decide on your own who you want to inherit your assets and how. If you create your own plan, you get to decide to give money to charitable causes that Matter to you, which the States plan does not allow for. And if you create your own plan, you can also decide whether you want your loved ones to go through the court process. Yes, the court process can be optional.  What Recipe Do You Want to Use? By creating your estate plan, you get to choose your lasagna recipe. You get to choose whether you want meat or veggie, mild or spicy sausage. You get to exclude ingredients your family members may be allergic to. You even get to decide if you want to share your lasagna with someone else. And you get to decide when to cook the lasagna, whether you want it to be eaten tonight or assembled, frozen and saved for another day.  Its entirely possible that you dont think the States recipe is gross and you wouldnt change a thing. But you wont know that until you know the details of the States plan and how those details pertain to you, your assets, and your family. Or it could be that you think the States recipe is completely gross and you want to pick one that you and your family like. Either way, know what you want to create and be clear on how to do it, and do it correctly. Luckily, we can help.  How We Help You Get it Right Weve seen too many families suffer negative, yet unnecessary, consequences after a loved one dies. And if you havent experienced it yourself, chances are you probably will. But with the proper education, beginning with correcting the misconception that estate planning and the documents involved are one and the same, we believe we can break the cycle of strife.  As an Estate Planning Law Firm, we start with education so you are clear on what the States plan is for you, and what you can do to create your own plan that aligns with your values, your goals, your family, and most importantly, that it works when you need it to.  We call it Life & Legacy Planning, and once youve created your Life & Legacy Plan, you can rest easy knowing your wishes will be honored, your loved ones cared for, and your property protected. Book a call with us today to learn more. Contact Entrusted Legacy Law at 412-547-9855 or click here to schedule a complimentary 15-Minute call.

For family caregivers, there is no greater comfort than knowing your aging parent or loved one is not just cared for but genuinely seen, heard, and understood. And for older adults, loneliness can be one of the quietest but most painful forms of suffering. Thats where Seniors Helping Seniors Pittsburgh steps in, offering something truly special: compassionate companionship that changes lives from the inside out. In a world where in-home care often focuses on the physical medication reminders, mobility, meal prep this organization understands the deeper truth: emotional wellbeing matters just as much. Through its peer-to-peer caregiving model, Seniors Helping Seniors connects active, compassionate seniors with those who need support, offering non-medical in-home care and something even more powerful friendship. Why Companionship Is Critical for Seniors Studies from the National Institute on Aging and AARP have shown a stark truth: chronic loneliness can be as harmful to health as smoking 15 cigarettes a day. It increases the risk of dementia, heart disease, depression, and even premature death. The irony is that many seniors dont talk about their loneliness they simply live with it. But the antidote isnt just more services. Its connection warm conversations, shared hobbies, laughter, and a trusted face that returns each week. Companion care for seniors has become one of the most vital services in elder support, not just for its feel-good benefits but for its life-changing results. Thats exactly what makes Seniors Helping Seniors Pittsburgh so unique. Their model fosters mutual respect and comfort because the caregivers are seniors themselves. They understand the aches and milestones of aging firsthand. This creates an immediate bond that younger caregivers often struggle to replicate. Human-Centered Care in a High-Tech World As families juggle caregiving responsibilities alongside careers and children, in-home senior care is increasingly becoming a necessity. But too often, care is transactional built around checklists, not conversations. With Seniors Helping Seniors, the relationship is the heart of the service. From grocery trips and doctor visits to baking cookies or going on a neighborhood stroll, every activity is infused with intention and companionship. This isnt just senior home care in Pittsburgh its a blueprint for how we should care for one another. Caregivers are thoughtfully matched based on personality and shared interests. This increases consistency, comfort, and trust a rare luxury in a world of rotating aides and rushed visits. Whether your loved one needs a walking buddy, someone to play cards with, or just someone who will truly listen, these caregivers provide the kind of presence that uplifts the soul. Benefits for Family Caregivers If youre a family caregiver, you already know the mental, emotional, and physical strain that comes with supporting an aging loved one. Its a labor of love but its also exhausting. One of the greatest gifts of companion care is that it doesnt just help the senior it helps the whole family. By knowing that your loved one has meaningful social interaction, you can take a break without guilt. Respite care and companionship visits offer relief while enhancing your loved ones quality of life a win-win. Real People, Real Impact One local client shared, My mom hadnt laughed like that in years. Her companion, Mary, comes by every Thursday and they bake, talk, and play music. Its like shes come alive again. Thats the difference that in-home companion care can make and its why more families are choosing this model not just for safety, but for joy. Why Seniors Helping Seniors Pittsburgh Stands Out Peer-to-peer care model: Seniors helping other seniors creates natural comfort and understanding. Flexible scheduling: Whether your loved one needs a few hours a week or more regular visits, services are adaptable. Locally owned and operated: With roots in the community, they provide trusted senior care in Pittsburgh that families can rely on. Focus on connection: Every visit is built around companionship not just task completion. In a time when elder care is often rushed, outsourced, or impersonal, this organization brings something refreshing: dignity through friendship. Final Thoughts The importance of companionship for seniors cannot be overstated. Its not just about keeping busy its about being valued. Seniors Helping Seniors Pittsburgh delivers this value with heart, humor, and humanity. For caregivers, its a relief to know someone else cares as deeply as you do. For seniors, its a reminder that aging doesnt have to mean isolation it can be a chapter filled with connection and joy. If you're looking for compassionate senior care in Pittsburgh, especially one that prioritizes emotional wellbeing, consider giving Seniors Helping Seniors a call. Sometimes, the most powerful medicine is simply being seen and being together.

Losing a loved one is always challenging, and handling their affairs can add to the emotional toll. If the deceased was a Pittsburgh Steelers season ticket holder, you might need to transfer their seat license. This guide will walk you through the process, ensuring you understand what needs to be done and how to do it smoothly. A Pittsburgh Steelers Seat License, also known as a Personal Seat License (PSL), gives the holder the right to purchase season tickets for specific seats at Acurisure Stadium (Heinz Field). This license can be transferred to another person, including after the death of the original holder. Step-by-Step Guide to Transferring a Seat License Step 1: Locate the Necessary Documents Before you begin the transfer process, gather the following documents: Death Certificate: An official copy of the death certificate of the deceased. Proof of Relationship: Documentation proving your relationship to the deceased, such as a birth certificate, marriage certificate, or will. PSL Certificate: The original PSL certificate, if available. Legal Authorization: If you are the executor or administrator of the estate, obtain the necessary legal documents, such as Letters Testamentary or Letters of Administration. Step 2: Contact the Pittsburgh Steelers Ticket Office Reach out to the Pittsburgh Steelers Ticket Office to inform them of the death and your intention to transfer the seat license. The contact details are: Phone: 412-323-1200 Email: ticket.office@steelers.com Address: Pittsburgh Steelers Ticket Office, Heinz Field, 100 Art Rooney Avenue, Pittsburgh, PA 15212 The ticket office will provide you with the necessary forms and instructions for the transfer process. Step 3: Complete the Transfer Forms The Steelers Ticket Office will provide specific transfer forms that need to be completed. These forms typically include: Transfer Request Form: This form requires details about the deceased, the current seat license holder, and the person to whom the license is being transferred. Affidavit of Survivorship: If the transfer is to a surviving spouse or close relative, an affidavit may be required to confirm the relationship. Estate Documentation: If you are the executor or administrator, you may need to provide a copy of the will, Letters Testamentary, or Letters of Administration. Step 4: Submit the Documents Submit the completed forms along with the necessary documents to the Steelers Ticket Office. This can usually be done via mail, email, or in person. Ensure all documents are complete and accurate to avoid delays. Step 5: Pay Any Applicable Fees There may be fees associated with the transfer of a seat license. The Steelers Ticket Office will inform you of any charges that need to be paid. These fees can typically be paid by check, credit card, or money order. Step 6: Confirm the Transfer Once the forms and documents have been submitted and processed, the Steelers Ticket Office will confirm the transfer. They will provide you with a new PSL certificate in the name of the new license holder. This process can take several weeks, so be patient. Special Considerations Legal and Financial Implications Estate Planning: Its a good idea to include PSLs in estate planning. Clearly stating in the will who should inherit the seat licenses can simplify the transfer process. Tax Implications: Transferring a seat license may have tax implications. Consult with a tax advisor to understand any potential liabilities. Disputes: In case of disputes among heirs, it may be necessary to seek legal advice to resolve the issues amicably and according to the deceaseds wishes. Keeping the Seat License Active While the transfer process is underway, its important to keep the seat license active. Ensure that any outstanding payments or renewal fees are paid promptly to avoid losing the license. Selling the Seat License If the heirs decide not to keep the seat license, they may choose to sell it. The Pittsburgh Steelers provide a marketplace for buying and selling PSLs. Contact the ticket office for more information on how to list the seat license for sale. Tips for a Smooth Transfer Stay Organized: Keep all documents and forms organized and easily accessible. This will help streamline the transfer process. Communicate Clearly: Maintain clear communication with the Steelers Ticket Office and any involved parties. Promptly provide any additional information or documentation requested. Seek Professional Advice: If you are unsure about any part of the process, seek advice from legal or financial professionals who specialize in estate planning and administration.   Transferring a Pittsburgh Steelers seat license after someones death involves several steps, but it can be managed smoothly with the right information and preparation. By following this guide, you can ensure that the transfer process is handled correctly, honoring your loved ones legacy and preserving their cherished seats at Heinz Field. Understanding the requirements, staying organized, and seeking professional advice when necessary, can make the process much easier. Whether you choose to keep the seat license within the family or sell it, knowing how to navigate the transfer process will help you make informed decisions and carry out your loved ones wishes effectively. Contact Entrusted Legacy Law at 412-547-9855 or click here to schedule a complimentary 15-Minute call.