Resources For Aging Well

Warmer weather is a great invitation to enjoy the outdoors and nature. Staying hydrated is essential for maintaining health and keeping critical bodily functions working properly. Hydration can be a challenge for some seniors because seniors may have a diminished ability to sense thirst, notice changes in body temperature, and may be taking medications that have a dehydrating effect. Keeping a few tips in mind will ensure that seniors stay hydrated and continue to enjoy the activities that bring them joy.Older adults looking to stay hydrated throughout the day should try these tips to get started. Being dehydrated can cause confusion, headaches, elevated heart rate, muscle weakness, and fatigue. Seniors who think they may be dehydrated should discuss their symptoms with their doctor before changing their fluid intake. Seniors should discuss hydration with their doctor as only can a healthcare professional recommend how much water someone needs, and they can also provide guidance and tips on managing water intake.  Create a schedule drinking a lot of water in one sitting can be difficult. However, creating a schedule that accounts for daily activity, physician-recommended intake levels, and the preferences of the senior can help keep hydration on track. Eat water-rich foods cucumbers, watermelon, apples, and other water-rich produce can help seniors get more fluids at mealtimes. Broth is also a good option. Make water more interesting For those that dont enjoy drinking water, adding small amounts of juice or flavoring to water can make it less boring. Popsicles are also a great optionespecially on warm days! Reduce water loss excessive sweating can contribute to dehydration keeping inside temperatures at a reasonable level, and being mindful of fluid loss during outside activities, can help seniors stay hydrated. Dont wait for thirst often, when seniors feel thirsty; they may already be dehydrated. Comfort Keepers Can HelpComfort Keepers can provide support for seniors that are concerned about the issue of hydration. Our caregivers can provide transportation to healthcare appointments, assist with meal preparation and planning, and provide support for physician-prescribed hydration regimens. Our goal is to support physical and emotional care goals and to elevate the spirits of our clients and their families every day.To learn more about our in-home care services, contact your local Comfort Keepers location today by calling (970) 241-8818 References Centers for Disease Control and Prevention. Get the Facts: Drinking Water and Intake. Web. 2016. FamilyDoctor.org. Hydration: Why Its So Important. Web. 2017. Mayo Clinic. Dehydration. Web. 2018. WebMD. What is Dehydration? What Causes It? Web. 2019 Healthline The Causes and Symptoms of Dehydration in Older Adults

Caregiving can be a rewarding experience, and an opportunity to give back some of the care and compassion received earlier in life. As we watch family members age, it can bring big emotions and challenges. It's hard to see an aging parent loved ones growing older and in need of help. Especially when it comes to having the initial conversation about options like in-home care. Having that first conversation about a loved one and their needs can be challenging, but it should be done sooner rather than later. As a person ages, their ability to make decisions may diminish. For a decision as important as this one, everyone in the family should feel heard. Steps for a Successful Family Care Conversation Step 1: Plan the ConversationAs the saying goes, seeing is believing. Phone calls don't always convey the complete picture of the situation. How can your family make this easier? Try to pick a date and time when you can get the whole family together and in person for this vital conversation. If its impossible to get your family together in person, a video call can be a great alternative. Try not to wait for an accident or medical emergency before addressing the future after all, it is always harder to think clearly and make decisions in moments of crisis.  There are many different options for in-home care, and information can help find a solution that is the best fit. Start your research to see what you think is best for you and your family. Step 2: Share concerns from a place of love  Although this can be intimidating, staying calm and taking breaks is important. The initial conversation is to understand each other and begin to set goals together as a family. Have the necessary paperwork or documents to help everyone in the family. Share any stories or anecdotes from the older family members doctors or friends will be helpful as well. It's easier for everyone to understand the situation when medical records illustrate important care concerns. If the older member of the family expresses interest in staying in their home as they age, then in-home care may be the right choice for them. Seniors who use home care services report 25% fewer doctor's visits than those who do not. [AM1] Step 3: Talk it out Make sure you give everyone time to speak; everyone might not always agree during this process but respecting each other and staying level-headed is key. Ultimately a good rule of thumb is to ask a lot of questions. Ask siblings and family members for their thoughts and what they think about getting an aging parent in-home assistance, and ask the loved one their desires for this next step in life. What to do after the first conversation? Give it some time, and make sure everyone has collected their thoughts from the initial discussion.  Every family is different. Don't feel discouraged if a few conversations are needed before everyone is comfortable moving to the next step. It can take some time for siblings and family members to come around; just remember to be patient and make sure everyone has a clear understanding of their role and responsibility in this decision.  Here's a resource to help define the roles when moving forward. Comfort Keepers Can Help Comfort Keepers caregivers can help with encouragement, support, and assistance with daily living. Caregivers can encourage overall health through meal planning, grocery shopping, meal preparation, and activities. Our custom care plans focus on physical and mental health and wellness activities. Our goal is to see that clients have the means to find joy and happiness each day, regardless of age or understanding.

Estate planning is one of the most profound acts of love and responsibility you can offer your family. Our guide to estate planning helps you take the essential steps to protect your loved ones, secure your assets, and ensure your final wishes are honored. By creating a clear plan, youre providing your family with peace of mind, reducing stress, minimizing legal complications, and paving the way for a smoother transition during challenging times.Why Estate Planning Isnt Just for the WealthyContrary to popular belief, estate planning isnt limited to the ultra-wealthy. Whether you own a modest home or oversee a thriving business, having an estate plan in place guarantees your wishes will be carried out and that your family wont be caught up in avoidable legal complications.Key Takeaway: Regardless of net worth, every adult can benefit from having a will, advance directives, and guardianship provisions.Understanding Estate Planning BasicsWhat Is Estate Planning, and Why Does It Matter?Estate planning involves organizing your assets and making crucial decisions about how theyll be distributed after your passing. By clarifying who gets what, when they get it, and how they get it, you maintain control over your legacy and ensure your loved ones are cared for.Example: Suppose you become unexpectedly incapacitated. Without an estate plan, a judgerather than a person you trustcould decide who handles your finances or raises your children. The Hidden Consequences of Not Having a PlanFailing to put an estate plan in place can create significant challenges for your loved ones:Prolonged Probate: With no will or trust, your assets may be subject to probate, an often-time-consuming court process.Higher Taxes & Fees: Certain assets could be hit with additional taxes or fees, reducing what ultimately reaches your family.Family Disputes: Unclear intentions can lead to misunderstandings, conflicts, or even costly legal battles. Bottom Line: An estate plan spares your family avoidable stress during a time when they most need stability.The Core Components of an Estate PlanBuilding Your Foundation: Wills and Trusts ExplainedWills: What it does: A will specifies who inherits your assets, designates guardians for minor children, and addresses personal items.Limitations: Although its a foundational document, having a will alone does not bypass probate. Trusts: What it does: Trusts allow assets to transfer seamlessly to your beneficiaries without the delays of probate. They can offer privacy, control over asset distribution timelines, and potential tax benefits.Why it matters: The right trust can protect family members from creditors, preserve assets for future generations, and reduce legal complications. With guidance from Entrusted Legacy Law, you can determine which type of trustrevocable or irrevocablebest aligns with your goals. Guardianship for Your Loved Ones: Securing Your Childrens Future Choosing a guardian is one of the most crucial decisions parents can make. Why its important: Naming a trusted individual ensures a smooth transition if you become unable to care for your children, avoiding courts or social services stepping in.Kids Protection Planning: Entrusted Legacy Law offers specialized services to ensure your childs daily routine, schooling, and personal preferences are continued under the guidance of the person (or people) you trust most. Advance Directives: Making Your Wishes Known Advance directives, such as a living will and healthcare power of attorney, let you: Specify Medical Treatment: Outline the kind of care you do or do not want (e.g., life support, feeding tubes).Designate a Healthcare Agent: Appoint someone you trust to make medical decisions on your behalf if youre unable to communicate. Peace of Mind: These directives help loved ones avoid agonizing decisions and reduce the risk of family disagreements over care. Financial Control Even After Youre Gone A durable power of attorney (POA) allows you to designate someone to manage your finances if you become incapacitated: Bills & Debts: Your agent can make sure essential paymentslike mortgages, utilities, and credit cardsare handled.Asset Management: They can also oversee investments, run your business, or coordinate real estate transactions. Entrusted Legacy Law integrates this aspect into your broader estate plan so that every financial detail is covered. Step-by-Step Guide to Estate Planning 1. Assessing Your Assets: What Are You Leaving Behind? Start by creating a comprehensive list of everything you own: Real Estate: Home(s), land, rental properties.Vehicles & Equipment: Cars, boats, recreational vehicles.Financial Accounts: Checking, savings, brokerage, retirement.Personal & Digital Assets: Jewelry, artwork, social media accounts, cryptocurrencies, and domain names. Pro Tip: Entrusted Legacy Law provides detailed checklists, making it easier to track down and document each asset. 2. Naming Key Players: Choosing Executors, Trustees, and Beneficiaries Choosing who will manage your affairs is vital: Executor (or Personal Representative): Oversees your will, paying off debts, distributing assets, and working with the probate court.Trustee: Manages and distributes assets in a trust according to your instructions.Beneficiaries: The people (or charities) you want to receive your assets. Key Consideration: These roles come with responsibility, so appoint individuals who are trustworthy, organized, and willing to seek professional guidance when needed. 3. Think Ahead: Mapping Out Your Legacy Estate planning goes beyond simple asset distribution: Philanthropy: Consider leaving portions of your estate to charities or causes close to your heart.Legacy Letters: Some people write letters or record videos sharing life lessons and values, leaving an emotional or moral legacy. Holistic Approach: Entrusted Legacy Law can help integrate these intangible elements into your legal documents. 4. Review and Update: Estate Planning Is Never Set It and Forget It Life changesincluding births, marriages, divorces, financial windfalls, or relocationsshould prompt a review of your estate plan. Annual Check-Ins: Schedule a quick review with Entrusted Legacy Law to make minor tweaks if needed.Major Life Events: If you experience significant changes (e.g., selling a business, moving to a new state), plan an immediate update to keep everything aligned with your wishes. Common Mistakes & How to Avoid Them Procrastination: The Silent Threat to Family Security Waiting too long to create or update your plan is a major pitfall. None of us can predict the future, so plan now to ensure your loved ones wont be left unprotected or uncertain in a crisis. Overlooking Digital Assets in a Digital Age In todays world, emails, online banking, social media, and virtual currencies are all part of your estate. Make sure you: List All Accounts: Including login credentials, if appropriate.Provide Instructions: Specify who should manage or close accounts, and outline any memorialization requests for social media profiles. Failure to Communicate Your Plan to Family Members Lack of clarity can lead to suspicion or disputes: Open Conversations: While you dont need to reveal every detail, explaining the broad strokes can help avoid confusion.Appoint an Information Keeper: Consider designating a close relative or friend who understands the location of key documents and the roles people will play. Leveraging Professional Help Dont Go It Alone: Why You Need an Estate Planning Attorney Online forms cant replace personalized legal advice. Estate planning attorneys can: Draft documents in compliance with state-specific laws.Address your unique family dynamics (e.g., blended families or special needs).Protect you from inadvertent mistakes that could undo your planning. Entrusted Legacy Law offers customized plans designed to stand the test of timeand the scrutiny of courts if needed. Final Thoughts- Now Is the Time to Take the First Step Estate planning is not just about writing a will or naming a guardian; its about protecting your familys future. By starting now, you have more flexibility to structure a plan that truly reflects your wishes and values.Remember, estate planning is an ongoing process that evolves with your life. With Entrusted Legacy Law by your side, you dont have to face these decisions alone. We ensure that your plan is comprehensive, legally sound, and created to work when your family needs it most. Take control of your familys future today. Schedule a Free Consultation: Contact Entrusted Legacy Law to begin crafting a tailored estate plan or review your existing plan to ensure its up to date. To learn more contact, us today at 412-294-8125.

Protect Your LegacyA revocable living trust is a powerful tool in estate planning, allowing you to manage your assets during your lifetime and seamlessly transfer them to your beneficiaries when the time comes. However, creating a trust is only the first stepfunding it ensures it works as intended.At Entrusted Legacy Law, we understand that the process can feel overwhelming. But dont worry this guide will simplify the often-misunderstood steps of funding your trust, so you can effectively protect both your assets and your loved ones future.What Does Funding a Trust Actually Mean?Funding a trust might sound like a financial transaction, but its more about transferring ownership or titling your assets in the name of the trust.This ensures the trust, rather than you personally, legally owns your property and accounts.What Can and Cant Be Included?Can be included: Real estate, financial accounts, personal property (e.g., jewelry, artwork, collectibles), business interests, and other tangible or intangible assets.Cannot be included: Certain retirement accounts (such as IRAs or 401(k)s) are typically not retitled into your trust.Why It MattersBy funding your trust, you ensure your assets avoid probate, minimize delays, and are distributed exactly as you intendall while helping loved ones steer clear of the courts.Why Funding Your Trust Is Not OptionalFailing to fund your trust essentially renders it a hollow document. You might sign all the paperwork to establish your revocable living trust, but it wont serve its purpose unless your assets are transferred into it.Risks of Not Funding Your TrustProbate Concerns: Your assets may still go through probate, which can be time-consuming and costly.Family Conflicts: If your beneficiaries arent clearly named or your trust isnt properly funded, disputes among family members can arise.Unexpected Delays and Legal Fees: Your loved ones could be burdened with court proceedings and attorney costs. Real-life stories abound of families who discover, too late, that the trust wasnt fundedand thus offered no benefit. But with proper guidance, these pitfalls are entirely avoidable.Preparing for the Process: What Youll Need in HandBefore you begin funding your trust, gather all relevant paperwork and list out the assets youd like to include. Getting organized upfront can save you time, money, and headaches down the line.Documents and Asset ListsDeeds to any real estate properties.Bank and brokerage account statements.Titles for vehicles, boats, or other valuable items.An inventory of personal property, including art, jewelry, or collectibles.Business ownership documentation and any intellectual property registrations.Work closely with your estate planning attorney or financial advisor to ensure you have complete records and to avoid overlooking any important assets.How to Fund a Revocable Living TrustStep One: Transferring Real Estate to Your TrustReal estate often comprises the largest portion of a persons estate, making it a logical starting point when funding your trust.The Deed Transfer ProcessDraft a New Deed: Collaborate with an attorney to create a new deed listing your trust as the property owner.Record the Deed: File the new deed at the appropriate county recorders office.Notify Lenders: If you have a mortgage, inform your lender to confirm that transferring the property to a trust is permissible under the loan terms.Once recorded, the property is officially owned by your trust and will bypass probate, ensuring smoother transitions for your beneficiaries.Financial Accounts: Moving Money Without Missing a BeatTransferring your financial accounts into the trust is vital to keeping them out of probate and maintaining continuity if something happens to you.Steps for Transferring Financial AccountsContact Your Institution: Let your bank or brokerage know you want to retitle the account(s) in the name of your trust.Provide Documentation: You may need to present trust documents or a certificate of trust to confirm the trusts existence and structure.Keep Good Records: Maintain a detailed record of which accounts have been transferred, including account numbers and transfer dates.Quick Tip: Certain accountsparticularly retirement accountsmay have specialized rules. Always check with your financial institution or an advisor before making any changes Naming Your Trust as the Owner of Personal PropertyDont forget high-value items like artwork, jewelry, collectibles, or even vehicles. While smaller personal items might not require formal title transfers, anything of significant value should be carefully documented.Personal Property MemorandumMany estate planners recommend using a personal property memorandum for smaller belongings. This allows you to list personal items and designate who should inherit themwithout requiring a formal amendment to your trust. Talk with your attorney about whether this approach is right for you.Business Ownership: Transferring Your Entrepreneurial LegacyIf youre a business owner, properly transferring ownership ensures your company and its assets are protected, even if you become incapacitated or pass away.Steps for Business TransfersUpdate Ownership or Stock Certificates to reflect the trust as the owner.Address Tax Implications: Although Entrusted Legacy Law does not offer tax planning, consult with a qualified tax professional to minimize potential tax consequences.Dont Forget IP: Intellectual property, trademarks, and patents often hold significant valuemake sure these are included.By moving your business interests into the trust, youre helping secure the companys continuity and protecting your beneficiaries from legal or financial turmoil down the road.Debunking Myths About Retirement Accounts and TrustsMany people assume they should move IRAs or 401(k)s directly into their trust. However, most retirement accounts cant simply be retitled in the name of the trust without potential drawbacks or penalties.Best Practices for Retirement AccountsKeep Accounts in Your Name: Typically, youll retain the account in your own name.Consider Beneficiary Designations: Name your trust as a secondary beneficiary (often behind a spouse or primary beneficiary).Consult a Tax Professional: A CPA or tax advisor can guide you on any required minimum distributions (RMDs) and potential tax implications.Reviewing, Refining, and Updating Your Trust Over TimeYour estate plan is a living document that should adapt to major life changesmarriage, divorce, the birth of children or grandchildren, moving states, or a significant shift in assets. Scheduling regular reviews with Entrusted Legacy Law helps ensure everything remains current.Annual Reviews: Keep track of any new assets or changes in personal status.Life Events: Promptly update the trust after significant milestones to avoid unintended consequences.The Trust Funding Checklist: Recap and Final StepsWeve covered a lot of ground. Heres a quick summary of the essential tasks:Transfer Real Estate: Deed properties into the trust.Retitle Financial Accounts: Move checking, savings, and investment accounts under the trusts name where appropriate.Include Personal Property: Use a personal property memorandum for valuable items like artwork or jewelry.Update Business Ownership: Transfer stock certificates or LLC membership interests.Check Retirement Accounts: Name the trust as a contingent beneficiary if that fits your strategy.Schedule Reviews: Regularly revisit your plan to address changes in life circumstances.If you need help with any part of this process, were just a call away!Final Thoughts: Secure Peace of Mind for You and Your Loved OnesFunding your revocable living trust is the key to ensuring that your assets are truly protected and that your wishes are honored. By proactively retitling property, updating accounts, and staying vigilant about ongoing changes, you create a solid foundation for your loved ones security and well-being.At Entrusted Legacy Law, our goal is to help you take that vital next stepwithout confusion or unnecessary stress. Well guide you through the trust-funding process, ensuring every detail aligns with your goals.Your Legacy, Your WayReady to protect your assets and preserve your familys legacy? Schedule your consultation today. Let us create a plan that gives you and your family peace of mind for years to come. To learn more call, us today at 412-282-3625.