I’m joined by Lisa Marquis, who shares what really happens when someone is navigating aging solo—whether by choice, loss, or life changes like divorce.

We get into the realities most people overlook, the legal documents you can’t afford to skip, and how to choose someone to step in when it matters most. Plus, the unique risks women and divorced individuals face—and what to do about it.

If you want to protect your independence, your finances, and your future care decisions, this is worth your time.

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Navigating senior care decisions isn’t easy… and most families don’t realize that until they’re in it. 

Kelly recently had a conversation with Michelle Graf that reinforced something I see all the time: 👉 The timing of your planning changes everything.

A few things that often surprise people:

• Waiting until a crisis limits your options more than you think
• “Independence” in care doesn’t always look the way people expect
• And one financial assumption can quietly derail an otherwise solid plan

This isn’t just something to think about later.

The earlier you start, the more control you have—over your options, your finances, and your family’s experience.

If you’re supporting aging parents—or thinking ahead for yourself—this is a conversation worth having sooner, not later.

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Steadfast Care Planning host Kelly Augspurger sits down with Annalee Kruger—caregiving strategist, author, and elder planning educator—for a candid conversation on the “what-whens” of aging. They break down early red flags, why families get blindsided, and how proactive planning can protect relationships, finances, and care options before a crisis hits. 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Thinking about retiring before 65… but not sure what you’ll do for health insurance? 🤯 

Cole Craven from Move Health joined me to unpack the biggest misunderstandings around pre-65 coverage, Medicare timing, and why “I’ll just let Medicare handle it” can lead to expensive surprises. 

If you want clarity—not confusion—as you plan for the years before and after 65, this conversation will help you make smarter choices with confidence. Watch the full episode to learn more. 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

When it comes to caregiving and aging, anxiety is a silent but ever-present companion. Whether you’re supporting a loved one or navigating your own transition into later life, the emotional toll can be immense. Kelly sits down with Bonnie Brindle—psychotherapist, author, transformational coach, and self-proclaimed “Anxiety Avenger”—to explore the unique challenges of anxiety in senior care and practical strategies for both caregivers and older adults.

Drawing from her own journey through debilitating panic disorder and agoraphobia, Bonnie shares not just clinical wisdom, but lived experience. We dive deep into the actionable tips so you or those you care for can move toward calmer, healthier days.

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

How do you truly show up for someone who’s lost their spouse?

Kelly Augspurger welcomes Chris Bentley, founder of Wings for Widows, for a heartfelt conversation on the early days of widowhood—when life feels blurry, overwhelming, and isolating. From “widow fog” to financial pitfalls, Chris offers real insight and practical guidance for families, friends, and professionals alike.

Whether you're walking alongside someone grieving or planning for your own future, this episode offers wisdom, comfort, and direction.

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

📋 Long-term care insurance can be a lifeline—or a landmine—if you don’t know how to navigate the claims process.

I sat down with my colleague and mentor, Bill Comfort, to talk about something we don’t discuss nearly enough: how to confidently navigate a long-term care insurance claim when the time comes.

From why claims are more complex than most people expect, to what families and professionals need to know before filing, this conversation is packed with insight, practical tips, and eye-opening stories that every advisor, caregiver, and policyholder should hear.

We also talk about the growing wave of claims coming in the next decade—and how the professionals around those families can make all the difference in helping them receive the care and support they deserve.

🎧 If you’ve ever wondered how to help a loved one (or client) get the most from their policy, this one is a must-listen.

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

👁️ There’s more to an eye exam than meets the eye...

What if one simple exam could reveal far more than just how well you see? I sat down with Dr. Ravi Goel to explore a topic that touches every one of us—but rarely gets talked about.

We covered far more than vision care. This conversation opened my eyes (literally!) to some surprising connections between eye health, aging, and long-term planning. Whether you’re caring for yourself or someone you love, this is something you’ll want to hear.

We also touched on a couple of resources that could be game-changers for families navigating care decisions.

🎧 Take a listen—you might never look at a routine eye exam the same way again.

#EyeCare #VisionHealth #HealthyAging #SteadfastCarePlanning #SeniorWellness #CarePlanning #AgingWell #Cataracts #Glaucoma #PreventiveCare #Podcast

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Thinking about retirement—or helping others prepare? Here are 3 key takeaways to keep in mind:

1. Legacy Doesn’t Happen by Accident
Roughly two-thirds of Americans haven’t done any estate planning. Intentional planning is an act of love—it removes uncertainty and stress for your family. Don’t leave your legacy to chance or state laws. Start the conversation now.

2. Retirement with Purpose Starts with the Right Foundation
Mike outlines five pillars of a faith-driven retirement: Time, Calling, Financial Finish Line, Radical Generosity, and Legacy. These guideposts help shape retirement into a season of meaning, impact, and joy.

3. Family Conversations Are More Powerful Than You Think
Talking with your loved ones—especially adult children—about your plans brings clarity, peace, and stronger stewardship across generations. It’s not just about money. It’s about preparing hearts and minds for what’s ahead.

Whether you’re nearing retirement or advising those who are, this episode is packed with helpful, faith-rooted insights on planning for a future that matters.

Want to go deeper? Grab Mike’s book at faithfinancesbook.com.

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

🎙️ What are the hidden dangers of polypharmacy and how it affects older adults?

Kelly chatted with Dr. Nancy Taylor about this and here are the key takeaways from their conversation:

🔹 Polypharmacy Awareness: Polypharmacy refers to using multiple medications at the same time, often leading to unintended side effects or complications. It’s crucial to regularly reconcile medications, especially after adding new prescriptions.

🔹 Communication is Key: Effective communication between patients and healthcare providers is essential. Schedule appointments with your healthcare provider with a clear agenda to address your medication concerns and ensure everything you’re taking is necessary and safe.

🔹 Consider Deprescribing: Deprescribing is the process of tapering or stopping medications that might not be required anymore. It's important to involve your healthcare team, including pharmacists, who can offer insights into safe medication management.

Reach out to Dr. Nancy Taylor to learn more:

LinkedIn: https://www.linkedin.com/in/dr-nancy-a-taylor-pharmd-bcpa-csa-a569929a/

Facebook: https://www.facebook.com/profile.php?id=100076660611031

Instagram: https://www.instagram.com/taylormadesac/

Website: https://www.drtadvocacy.com/

FREE Personal Healthcare Action Plan Workbook on her website.

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Ever wondered about long-term care insurance options through your employer? 🤔 Dive into the fastest-growing segment of LTC: the employer group market! 📈 Let's explore the exciting changes and options available! 

1🔍 Did you know that the employer group market is the fastest-growing segment of long-term care? From guaranteed issue solutions with dozens of carriers to small groups starting at 3 employees, the landscape is changing dramatically! #GroupLTC #InsuranceEvolution

2 🤝 Group vs. Worksite: What's the difference? Group policies mean no medical underwriting during special enrollment! Perfect for those wanting an easier path to coverage! #InsuranceExplained

3 🌟 Hybrid options leading the way: Most group market solutions have a long-term care focus with a life insurance extension. Oh, and restoration of the death benefit – get both LTC & life insurance benefits! #HybridInsuranceBenefits

4 💲 Cost-effective coverage: Long-term care benefits start as low as $15/month for younger employees and offer leverage that could cover millions over time. Think you can't afford it? Think again! #AffordableCare

5 👨‍👩‍👧‍👦 It's all in the family: Some policies cover spouses and children too! With options to buy up coverage, you can match your needs as they change. #FamilyCare

6 🎓 Education is key: Employers offering LTC should consider timing outside general benefits enrollment and provide robust education resources. Knowledge empowers smart choices! #EducateToPlan

7 🕒 Timing is everything: Secure your benefits before policy windows close, and stay ahead of potential state mandates like payroll taxes on LTC. Seize the opportunity today! #PlanAhead #FutureSecure

For more insights, learn from experts like Kelly Augspurger and Marc Glickman. Their mission is simple: help you understand and choose the best LTC options. Stay tuned to see how this evolves! 🌟 

To learn more about Marc and Buddy Ins:

Go to buddyins.com/group for more information about group/worksite LTCi opportunities and to explore group products. 

Join Ask The Long Term Care Insurance Specialists Facebook group for LTCi product information and peer-to-peer networking.  

For employers interested in learning more about offering LTCi to their employees, visit Long Term Care Insurance As An Employee Benefit - BuddyIns.

Marc can be reached at marc@buddyins.com.

Kelly can be reached at kelly@steadfastagents.com. 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Crushing Medical Debt! 🏥💸

Have you ever been overwhelmed by astronomical medical bills? You're not alone! Today's convo is with Dr. Virgie Bright Ellington, an expert on navigating medical debt, and she has some game-changing advice. 🩺🔍 

Medical bills are the leading cause of debt & bankruptcy in the U.S.—& they don't discriminate by age. If you're over 18, you're at risk. But guess what? Dr. Virgie says there's hope, & she's armed with 3 life-saving steps to tackle those bills! 💪📑 

Step 1: Get a REAL bill. Demand a copy with CPT codes, just like what’s sent to insurance companies. This helps avoid hidden fees & errors. 🚫🧾

Once you have the CPT codes, Step 2: Use AI or Google search to check what Medicare pays for them. These are typically most fair rates and your new benchmark. 🌐📊 

Step 3: Call the billing department with your new number & confidently say, "In my case, I am willing and able to pay [your total]." Trust me, this is negotiating on stealth mode! 😎📞 

Dr. Virgie also highlights incredible FREE resources, like the Patient Advocate Foundation, which can guide you through the medical bill maze. Consider them your financial ally! 🆓🤝 

Planning ahead is key! Can't afford traditional insurance? Look into accidental or critical illness coverage to protect against catastrophic costs. Some coverage is better than none. 🛡️📋 

Feeling anxious about medical costs & financial health? Bring a support person to appointments for a second set of ears, and reach out for help when negotiating or appealing insurance denials. You're not alone! 👫🗨️ 

Remember, knowledge is power. Question those big bills, use negotiation hacks, & don't hesitate to seek assistance. Your financial health is just as critical as your physical health. 💡💰 

Dive deeper and crush medical debt with Dr. Virgie by visiting CrushMedicalDebt.com or her podcast "Medical Bills Uncovered." 🎧💊 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Do you know someone caring for a person with dementia? 

🎙In this episode of Steadfast Care Planning, Kelly talks with Valarie Langel, a nurse practitioner who specializes in geriatrics and author of "Dementia Caregiving Simplified."

Here's how to navigate the journey with grace and support:

1/ 🧠 Dementia is more than memory loss. It involves confusion, speech difficulties, and emotional challenges. Recognize the stages early for better care and planning. Valarie Langel’s insights are a game-changer. 💡 

2/ 🏃‍♀️ Avoid burnout! Join caregiver support groups for emotional support and involve family members in care. Take personal time each week for self-care. You’re not alone. ❤️

3/ 📝 Legal prep is crucial. Appoint Power of Attorney, prepare healthcare documents, and plan financially. Kelly Augspurger emphasizes, “Prepare today for a secure tomorrow.” 📜 

4/ 🛏️ Consider hospice care for additional support. It’s not just for the final days—patients can improve and be in hospice for months. Medicare covers these vital services. Think quality of life! 🌟 

5/ 💬 Communicate effectively with dementia patients. Be at eye level, use gentle touch, and avoid phrases like “Do you remember when…?” Small changes make huge impacts. 

6/ 🚶‍♂️ Reduce fall risks: Use natural light, sensor lights, and solid-bright colors for better visual recognition. Safety first! 

7/ 🥗 Adjusted diet: Dementia can alter taste preferences. Offer limited options with visual cues to encourage eating—think colorful and simple! 🍏🍞

8/ 📚 Valarie Langel’s book, "Dementia Caregiving Simplified," is packed with real-life examples and tips. A must-read for caregivers. 🌟

9/ 🔎 Early intervention is key. If your loved ones exhibit unusual behaviors, don’t delay seeking help. Early stages often go unnoticed. 

10/ 🏡 Make homes dementia-friendly. Label switches, remove rugs, and create familiar routines. Little changes can make a big difference. 🏠

11/ 🎶 Activities like music therapy, puzzles, and trivia keep dementia patients engaged and joyful. 

12/ 💖 Don’t forget about YOU! Caregiver health is essential. Support groups, hobbies, and self-care prevent burnout and ensure you’re at your best. Rediscover your passions. 🌷

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

🎙️ In this insightful episode, Kelly Augspurger talks with financial planning expert Ben Henry-Moreland about the strategic benefits of Health Savings Accounts (HSAs).

✨ Discover how to make the most out of your HSA, whether you're looking to cover immediate healthcare costs, or plan for long-term savings.

💰 Join us as we unpack the essentials of HSAs, exploring their unique benefits and tax advantages among many other important aspects of HSAs.

🏛️ Ben shares his expertise on maximizing HSAs through three key strategies: using funds as you go, investing for long-term growth, and balancing short-term and long-term needs, as well as, sharing loads of additional critical information concerning HSAs.

📻 Stay tuned if you're already utilizing an HSA, or considering one, this episode is packed with valuable insights and practical advice to help you make the most of these powerful savings accounts. Don't miss it!

In this episode they covered:

🔹 Triple Tax Advantages

🔹 Investment Strategies

🔹 Spousal Coordination

🔹 Long-Term Care Premiums

🔹 HSA Contribution Limits

🔹 Record Keeping

🔹 HSAs vs. FSAs

🔹 IRS Requirements

🔹 Navigating Life Changes

🔹 Expert Guidance

📽️ To watch this episode: https://youtu.be/MaBlW7FEzxE

🔗 For more information about Ben Henry-Moreland and Kitces.com, please visit:

📲 https://www.kitces.com
📲 https://web.facebook.com/ben.henrymoreland
📲 https://www.linkedin.com/in/bhenrymoreland
📲 https://www.linkedin.com/company/kitces 

#HealthSavingsAccount #FinancialPlanning #SteadfastCarePlanning #kellyaugspurger #benhenrymoreland

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

🎙️ Caregivers are not only an under-served community, they are a non-served community. How is it possible that the people who take care of our ailing and elderly populations, can be so thoroughly forgotten and neglected? Luckily, there are solutions and people are working on ways to better support our society's caregivers.

✨ In this conversation Savy Makalena, CEO and Founder of "Gimme a Break", shares the story of how she was lead through her caregiving journey to creating the caregiver support organization known as "Gimme a Break", a nonprofit dedicated to supporting caregivers by offering them emotional and physical respite, as well as, valuable resources for sustained well-being.

🧡 Savy shares her personal caregiving journey, the struggles caregivers face, and the inspiration behind her mission.

 🏛️ We'll also dive into the financial challenges affecting caregivers, an innovative Bill proposal to support them financially through the unemployment system, and the importance of self-care and mindful moments in the caregiving journey. Whether you're a caregiver or know someone who is, this episode is packed with invaluable insights and resources.

📻 Stay tuned to learn how you can get involved and support this critical cause!

In this episode they covered:

🔹 Broadening the Definition of Caregiving

🔹 "Gimme a Break" Inspiration

🔹 Financial Struggles of Caregivers

🔹 Legislation and Support Systems

🔹 Important Conversations About Future Care

🔹 Accessing Resources

🔹 Mindful Moments and Self-Care

🔹 The Role of Community and Support Networks

🔹 Challenges in Balancing Caregiving and Employment

🔹 Future Planning for Caregiving

📽️ To watch this episode: https://youtu.be/XUMDs-K3qrU

🔗 For more information about Savy Makalena and "Gimme a Break", please visit:

📲 https://gab808.org

📲 https://www.facebook.com/gab808

📲 https://www.linkedin.com/company/gab808

📲 https://www.youtube.com/@gimmeabreak808

#SavyMakalena #KellyAugspurger #gab808 #GimmeABreak #SteadfastCarePlanning

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

🎙️ There is something about human nature that tries to avoid planning for emergencies. We all know emergencies can be handled easier if we had planned for them, but still we procrastinate our preparations as if delaying it will somehow put off the inevitable. That is why creating and maintaining an emergency binder is so important.

🤝 Today, Steadfast Care Planning welcomes Kim Roberts.

🏥 In this episode, Kim dives into creating an emergency binder for the older adults in our life—a crucial, yet often overlooked, topic.

💡 Kim shares her personal experiences as a caregiver and provides invaluable tips on organizing personal, medical, financial, and legal information.

📻 Stay tuned as we break down how to compile all this essential info and ensure peace of mind for you and your loved ones.

🏡 Whether you're preparing for an aging parent or looking to get more organized yourself, this episode is packed with actionable advice you won't want to miss.

In this episode they covered:

🔹 What is an Emergency Binder?

🔹 The Need for an Emergency Binder

🔹 Main Sections of an Emergency Binder

🔹 Personal Information Listed in an Emergency Binder

🔹 Medical Information Listed in an Emergency Binder

🔹 Financial Information Listed in an Emergency Binder 

🔹 Legal Information Listed in an Emergency Binder

🔹 Additional Safety and Organization Tips

🔹 Closing Remarks & Additional Ideas

📽️ To watch this episode: https://youtu.be/YX60TnAQOFI

🔗 For more information about Kim Roberts, please contact: 

📲 Kim's Phone: 614-332-6740

📲 Kim's Email: kimberlelynroberts@gmail.com

#EmergencyBinder #SteadfastCarePlanning #LongTermCareInsurance #KellyAugspurger #KimRoberts #SteadfastInsurance

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

🎙️ We all know someone who is suffering from diabetes, whether it be Type 1, Type 2, or even Type 3. But how much do we actually know about the different types of diabetes and could we be at risk of developing diabetes ourselves? If so, how can we manage our nutrition and lifestyle to either avoid a diabetes diagnosis, or manage our blood sugar levels through diet and lifestyle choices to ease the effects of a positive diagnosis?

✨ In this conversation Kelly Schmidt, a diabetic dietitian with Kelly Schmidt Wellness, shares invaluable tips for older adults living with diabetes, focusing on how they can not only manage their condition but truly thrive.

🍳 Kelly discusses the differences between Type 1 and Type 2 diabetes, highlights the importance of nutrition, stress management, and sleep, and offers practical advice on advocating for your health as you age.

💡 Don't miss out on Kelly Schmidt's invaluable advice for living well with diabetes. Whether you're managing Type 1, Type 2, or simply want to maintain healthy blood sugar levels, this episode is packed with tips and strategies to help you thrive!

In this episode they covered:

🔹 Kelly Schmidt’s Background and Passion

🔹 Current Diabetes Statistics in the U.S.

🔹 Types of Diabetes

🔹 Managing Blood Sugar and Diabetes

🔹 Older Adults and Diabetes

🔹 Specific Nutrition Tips

🔹 Heavy Metals and Their Effects

🔹 Challenges and Solutions for Older Adults

🔹 Final Advice for Healthy Living

🔹 How to Contact Kelly Schmidt

📽️ To watch this episode:  https://youtu.be/lk9L7VXNtsI

🔗 For more information about Kelly Schmidt and Kelly Schmidt Wellness, please visit:

📲 https://t1dfunctionalnutrition.com

📲 https://www.linkedin.com/in/kellyschmidtrd

📲 https://www.instagram.com/diabeticdietitian 

#KellySchmidtWellness #KellyAugspurger #DiabetesManagement #DiabeticDietitian #SteadfastCarePlanning

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

🎙️ Have you ever wondered about that chunk of your paycheck that is taken out and given to Social Security? What exactly is Social Security and when can you expect to see some of that money come back to you? Have you considered what role Social Security can play when planning for retirement?

✨ This conversation is a must-listen for anyone who has ever paid into Social Security. It is a critical element of retirement planning and offering financial support during your later years. However, navigating its complexities requires careful consideration and strategic planning. With the right guidance, you can maximize your benefits and secure a more financially stable future.

 💡 In this episode, our host Kelly Augspurger is joined by Adria Rosebrock, a certified financial planner and director of wealth management operations and training at Hamilton Capital. Adria provides an insightful, comprehensive guide to navigating Social Security benefits and how they fit into your retirement planning strategy.

In this episode they covered:

🔹 Overview of Social Security

🔹 Claiming Social Security Benefits at Different Ages

🔹 Considerations for Claiming at Age 62

🔹 Full Retirement Age Benefits (66-67)

🔹 Claiming Social Security at Age 70

🔹 Income Spoilers (Penalties)

🔹 Strategies for Widows and Widowers

🔹 Strategies for Divorced Individuals

🔹 Changes and Future of Social Security

🔹 Planning Advice for Social Security

📽️ To watch this episode: https://youtu.be/O6NG3xlRTxU

Hamilton Capital and Steadfast Insurance are separate and unaffiliated companies.   All information is provided solely for convenience, educational, and informational purposes only.

🔗 For more information about Adria Rosebrock and Hamilton Capital, please visit:

📲 https://hamiltoncapital.com

📲 https://www.linkedin.com/company/hamilton-capital-management/

📲 https://www.linkedin.com/in/adriarosebrock

#SocialSecurity #KellyAugspurger #AdriaRosebrock #WealthManagement #HamiltonCapital #SteadfastCarePlanning

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

📸 In this episode of the Steadfast Care Planning podcast, Philip Griffith joins to discuss preserving family memories through photo management. Philip shares his personal caregiving experience with his mother-in-law and how that motivated him to help families capture and preserve their stories through photos.

🤳 The conversation explores the challenges families face in organizing and managing old photos, especially as technology changes over time. Philip provides helpful tips and best practices for gathering family photos in one place, properly storing and archiving originals, digitizing images, and creating photobooks that tell a family's story through the generations.

🎥 Philip explains the three ways his company PSG Photo Solutions helps families manage their photos - through online courses, coaching, and fully outsourced services. He emphasizes the importance of having treasured family photos visible in the home to spark memories and conversations.

📹 Whether you want to tackle photo organization yourself or get professional help, this episode provides guidance on how to preserve your family's precious photographic memories, and your family history, for generations to come.

In this episode they covered: 

🔹 The importance of capturing family stories and memories from the oldest living generation. 

🔹 Challenges families face when preserving and managing family photos. 

🔹 Overwhelming amount of photos, especially in the digital age. 

🔹 Difficulty in identifying people, places, and events in old photos. 

🔹 Rapidly changing technology and obsolescence of older media formats (e.g., slides, 8mm movies, VHS tapes). 

🔹 Tips and best practices for preserving and managing photos. 

🔹 Gather all photos, slides, movies, and memorabilia in one place (a "photo hub") plus many more tips and best practices. 

🔹 How Philip helps families manage their photos and how you can find out more about his free courses, coaching, and fully outsourced services.

📷 For more information on Philip's photo management services, visit:

www.PSGPhotoSolutions.com

www.TheGreatDiscovery.com/PSGPhotoSolutions

___________________________________________________________________________________________

📽️ To watch this podcast: https://youtu.be/7QtrfaYT1eY

#SteadfastInsurance #PhilipGriffith #SteadfastCarePlanning #PSGPhotoSolutions #longtermcareinsurance 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

🎙️ Welcome back to Steadfast Care Planning, where we plan for care to live well. Today, we have a compelling episode with a very special guest, Esther Greenhouse, a longevity strategist and the founder of Silver to Gold Strategic Consulting. Esther brings her extensive expertise in gerontology, environmental psychology, and design to tackle the challenges of aging in place.

🛠️ In this episode, we'll dive into the critical myths and misconceptions surrounding financial security and quality of life in the later years. Esther will shed light on how the design of our homes can significantly impact our frailty, dependence, and financial stability as we age.

🏡 We'll explore practical strategies to improve the physical and financial well-being of older adults through intentional home modifications and enabling design. Plus, Esther shares a personal and professional case study that highlights the profound benefits of planning and proactive design.

💡 Whether you're an individual planning for your future, a caregiver, or a professional in financial services or long-term care, this episode is packed with invaluable insights that can help you plan for care to live well.

In this episode they covered:

🔹 Myths and misconceptions about financial security and quality of life in later years.

🔹 Aging in place—what it means today and its significant societal changes.

🔹 The crucial role of home modifications and the impact of home design on aging.

🔹 Enabling design approach and how it can enhance independence.

🔹 Real-life examples of reducing long-term care needs through design.

🔹 Tackling the long-term care and the caregiving crisis by design.

🔹 How Silver to Gold Strategies aligns with financial planning and long-term care insurance businesses.

For more information about Esther Greenhouse and Silver to Gold Strategic Consulting, please visit:

https://silvertogoldstrategies.com

Or, LinkedIn:

https://www.linkedin.com/in/esthergreenhouse/

https://www.linkedin.com/company/silver-to-gold-strategies/

___________________________________________________________________________________________

📽️ To watch this podcast: https://youtu.be/iokLviitDRI 

#SteadfastInsurance #EstherGreenhouse #SteadfastCarePlanning #SilverToGoldStrategicConsulting #longtermcareinsurance 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

🎙️Welcome back to Steadfast Care Planning, your trusted space for everything related to planning for extended care to live well!

💡 In this enlightening episode, host Kelly Augspurger is joined by Deb Martin, the manager of the Vulnerable Adult Office at Thrivent. Deb has extensive experience in elder abuse prevention and detection and shares crucial information on this pressing topic.

✨ In this episode, we’ll unpack what constitutes elder abuse, the various forms it can take beyond just physical harm, and the alarming prevalence of financial exploitation and confidence scams perpetrated through various digital technology platforms i.e. phones, emails, social media.

🚩 Deb will also share key red flags to watch out for, common scams targeting older adults, and actionable steps for reporting and preventing elder abuse.

👥 Whether you're a caregiver, financial professional, or simply concerned about the well-being of an older loved one, this episode is packed with valuable insights and practical advice. So, stay tuned as we ensure our elders are protected and well cared for.

In this episode they covered:

🔹 Understanding the various forms of elder abuse, including physical, emotional, and financial.

🔹 Red flags to look out for that may signal elder abuse.

🔹 Real-life examples of scams targeting elderly individuals.

🔹 How to report suspected elder abuse to the appropriate authorities.

🔹 Preventative strategies to protect older adults from becoming victims.

🔹 The importance of proactive planning with trusted contacts and documented wishes.

📽️ To watch this episode:  https://youtu.be/JK9ElArY4Uw

For more information about Deb Martin and Thrivent, please visit:

https://www.thrivent.com

https://www.linkedin.com/in/dmarquette

To report abuse:

National Adult Protective Services Association:

https://www.napsa-now.org

(202)-370-6292

Long-Term Care Ombudsmen:

https://acl.gov/programs/Protecting-Rights-and-Preventing-Abuse/Long-term-Care-Ombudsman-Program

(202)-332-2275

#LongTermCare #Thrivent #SteadfastCarePlanning #DebMartin #longtermcareinsurance #preventelderabuse

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

🎙️Welcome to another enlightening episode of the Steadfast Care Planning podcast! In today's discussion, host Kelly Augspurger dives deep into the world of Continuing Care Retirement Communities (CCRCs) with special guest Molly Good, the Regional Marketing Director for Otterbein Senior Life.

✨ This conversation is a must-listen for anyone managing their own later-life planning or aiding a loved one in their journey toward aging gracefully.

 🏡 Molly Good offers valuable insights into what CCRCs entail and how they operate. Essentially, CCRCs provide a range of care options that include independent living, assisted living, skilled nursing care, and rehabilitation care within a single community. This arrangement allows residents to 'age in place,' receiving tailored care as their needs evolve, without the upheaval of moving to a new facility at each stage of care.

💡 As our population ages, the conversation around effective, dignified care becomes ever more critical. This episode of the Steadfast Care Planning podcast offers essential insights into navigating this complex arena. It emphasizes thorough planning, diligent research, and ultimately, the peace of mind that comes from knowing you or your loved ones can enjoy a supportive, enriching environment as needs evolve. If you haven't already, make sure to listen to the full episode for a more in-depth understanding and to hear Molly Good’s expert advice on ensuring a smooth transition into CCRCs.

In this episode they covered:

🔹 The importance of planning and not relying on crisis management for later life care.

🔹 The need for family discussions about preferences regarding care and aging.

🔹 Unique benefits of nonprofit CCRCs, including asset security and benevolent care funds.

🔹 Eligibility criteria for CCRCs, including age and financial considerations.

🔹 Various levels of care provided by CCRCs, from independent living to assisted living, and rehab care.

🔹 How to start your CCRC research digitally and the value of personal tours and word of mouth.

🔹 Factors to consider when touring a CCRC: levels of care, ADA requirements, cost structures, leasing periods, and long-term care insurance policies.

🔹 The significance of finding the right community that fits an individual's personality and lifestyle.

To watch this episode: https://youtu.be/uPqgeeMmmow

For more information about Molly Good and Otterbein Senior Life, please visit:

https://otterbein.org

https://www.linkedin.com/company/otterbein-seniorlife

https://web.facebook.com/OtterbeinLebanonSeniorLifeCommunity

#LongTermCare #OtterbeinSeniorLife #SteadfastCarePlanning #CCRC #longtermcareinsurance

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

🫁 Welcome back to the Steadfast Care Planning podcast! Today, we’re thrilled to welcome Dr. Raj to the show. Dr. Raj is a quadruple board-certified physician and a renowned expert in internal medicine, pulmonary critical care, and sleep medicine. He is also a clinical researcher, associate professor, media personality, and author. In this episode, Dr. Raj delves deep into the critical topic of obstructive sleep apnea (OSA) and its widespread impact on breathing during sleep, comparing it to the extreme sensation of having a pillow placed over one’s face.

💤✨ Not only does Dr. Raj shed light on the underdiagnosis of OSA in women, but he also discusses the significant health implications of untreated OSA, including its effects on organ function and overall quality of sleep. We explore the contributing factors of OSA, such as weight, and a variety of treatment options ranging from CPAP devices and dental solutions to innovative therapies like the Inspire device.

🛌 Moreover, Dr. Raj emphasizes the need for a personalized approach to treatment, discusses the crucial balance between lifespan and healthspan, and outlines the four fundamental pillars of good health: diet, weight, mental health, and sleep. We’ll also touch on common sleep mistakes influenced by modern lifestyles and how to effectively communicate sleep concerns with healthcare providers.

💡 Don’t miss this episode packed with expert insights, practical advice, and Dr. Raj’s strategies to improve your health and well-being. Plus, learn more about Dr. Raj’s presence on social media and his own podcast, "The Dr. Raj Podcast."

In this episode they covered:

🔹 **Four Pillars of Health:** Discover Dr. Raj's four pillars of good health: diet, finding optimal weight, mental health, and sleep, and how they contribute to a healthier life as we age.

🔹 **Stress Management:** Get tips on maintaining a positive attitude, avoiding isolation, and staying connected to manage stress effectively.

🔹 **Common Sleep Mistakes:** Learn about common mistakes that affect sleep quality, such as late-night technology use, alcohol consumption, snacks, and certain medications.

🔹 Dr. Raj shares valuable insights on *Obstructive Sleep Apnea (OSA)*, a condition that disrupts breathing during sleep and affects millions in the U.S.

🔹 **Underdiagnosis in Women:** Uncover why OSA is often underdiagnosed in women and the symptoms to look out for beyond snoring.

🔹 **Health Impacts:** Explore how OSA affects organ function and can lead to poor quality sleep despite getting enough hours in bed.

🔹 **Contributing Factors:** Dive into the role of weight in OSA and how weight loss can improve symptoms, although it’s not the sole cause.

🔹 **Treatment Options:** Learn about the various treatment options for OSA, including CPAP devices, dental devices, positional therapy, surgery, and the innovative Inspire device.

For more information about Dr. Raj and his 4 Pillars of Health, please visit:

https://www.doctorrajd.com

Check out his podcast:

h

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

🚀 Welcome back to the Steadfast Care Planning podcast, the show that helps you plan for care to live well. In this compelling episode, we’re joined by Lily Vittayarukskul, founder and CEO of Waterlily Planning and an ex-NASA data scientist. Lily shares her pioneering approach to utilizing AI and massive data insights to personalize extended care planning, inspired by her personal experience navigating her aunt's long-term care journey.

👨‍👩‍👧‍👦 In our conversation, we explore how Lily’s tool aids financial planners and individuals by predicting long-term care needs using over half a billion data points, examining costs, care trajectories, and much more. We discuss the challenges posed by financial planning for care, including insurance policies, the rate of return, and the emotional impact of preparing for aging and loss of independence.

🔍 Lily also outlines the technical and human element considerations her tool incorporates, such as disability, family caregiving involvement, and the importance of genetic and lifestyle factors. Moreover, she discusses how her models strive for accuracy, the implications of healthcare inflation, and the crucial role of family history and personal health in planning.

💡 Whether you are a financial advisor, an individual planning for the future, or a tech enthusiast curious about AI applications in healthcare, this episode offers valuable insights into the evolving landscape of long-term care planning using AI.

In this episode they covered:

🔹 How Waterlily integrates with existing financial planning resources to enhance long-term care planning

🔹 Explaining the concept of unbiased data sources as mentioned by Lily, and why is it crucial in building accurate predictive models for extended care

🔹 The fluctuating nature of caregiving commitment and how it impacted his personal well-being

🔹 Some of the technical limitations Waterlily, and how they impact its effectiveness in predicting long-term care needs

🔹 The human element involved in long-term care planning and how to address variations such as family involvement and personal health history

🔹 An accuracy rate of 70-80% in predictive insights

🔹 The importance of lifestyle and genetic factors in long-term care planning

🔹 Future enhancements or features for Waterlily to further improve the planning and management of long-term care for individuals and families

For more information about Lily Vittayarukskul and Waterlily, please visit:

https://www.joinwaterlily.com/

Or, LinkedIn:

https://www.linkedin.com/in/lily-vittayarukskul/ ______________________________________________________________________________

➡️ Watch this podcast:  https://youtu.be/7EjrNWfqjtE 

#LongTermCare #LilyVittayarukskul #SteadfastCarePlanning #JoinWaterlily #AIandHealthcare

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

💡Welcome back to the Steadfast Care Planning podcast, the show that helps you plan for care to live well. Our guest is Todd Keitz, not just a seasoned CEO of My Care Friends and 17 Commerce, but also a compassionate caregiver advocate drawing from his profound personal experience. Todd's caregiving journey began unexpectedly when he was just nine years old, continuing throughout his life and intensifying in 2018 when he started caring for his parents.

👨‍👩‍👧‍👦 In this episode, Todd opens up about the shift from his fulfilling life in California to the 24/7 responsibilities of a caregiver in Florida. He shares the stresses and unpredictabilities of caring for aging parents and the vital importance of self-care and organization to manage the relentless demands of caregiving. Todd digs deep into navigating the healthcare system, the power of positive thinking, and maintaining an attitude of gratitude even in the toughest times.

🔍 Listeners will get an exclusive insight into My Care Friends, Todd's innovative platform designed to support fellow caregivers. The discussion covered the mental and emotional tools that can buoy caregivers, including both free resources like Insight Timer and the invaluable community Todd is nurturing at My Care Friends. Stay tuned as Todd imparts words of wisdom, from pre-caregiving preparations to sustaining your well-being amidst the trials of a caregiver's life. In this episode they covered:

🔹 Todd’s caregiving journey beginning at an early age and its evolution over the years

🔹 The life transitions Todd made amid his caregiving role for his parents

🔹 The fluctuating nature of caregiving commitment and how it impacted his personal well-being

🔹 Dealing with stress as a caregiver and tools to manage it

🔹 Navigating the healthcare system and tips for advocacy

🔹 Handling family dynamics and setting boundaries

🔹 Using technology and resources like My Care Friends to support caregivers

🔹 Advantages of staying positive throughout the caregiving journey

For more information about Todd Keitz and My Care Friends please visit:

https://mycarefriends.com

Or, LinkedIn:

https://www.linkedin.com/in/toddkeitz/ ______________________________________________________________________________

➡️ Watch this podcast:  https://youtu.be/K1fgsq7sLQE 

#LongTermCare #ToddKeitz #SteadfastCarePlanning #LongTermCareInsurance #MyCareFriends

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

💡Join Kelly Augspurger as she interviews Susan Kelsey, a certified aging life care specialist and the founder of Assistance Plus, in this insightful episode of the Steadfast Care Planning podcast.

👨‍👩‍👧‍👦 They discuss the important role of aging life care professionals in managing the care of older adults and the invaluable support they provide to families living at a distance from their loved ones.

🔍 Susan shares her experiences and reveals the everyday challenges and superpowers of a care specialist, offering practical advice on navigating healthcare crises and preparing for the aging continuum.

In this episode they covered:

🔹 Description of an aging life care specialist's background in healthcare.

🔹 Challenges faced by families living at a distance from their older adult relatives.

🔹 Examples of day-to-day tasks, such as managing medications, dealing with emergencies, and overseeing financial matters.

🔹 Advocacy and logistics support provided within assisted living environments.

🔹 Assisting with doctor's appointments and communicating medical information to family members.

🔹 Importance of building and leveraging a network of trusted experts, including attorneys, accountants, and financial advisors.

🔹  Developing deep relationships with older adult clients and their families.

🔹 Leveraging personal connections and referrals to find suitable specialists.

For more information about Susan Kelsey's services, visit:
www.APlusCareManagement.com
Or, explore resources available at:
www.AgingLifeCare.org
______________________________________________________________________________

➡️ Watch this podcast: https://youtu.be/awOvA5hLbOA

#LongTermCare #AgingLifeCareSpecialist #SteadfastCarePlanning #LongTermCareInsurance #APlusCareManagement 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

In this episode of the Steadfast Care Planning podcast, host Kelly Augspurger and guest Danielle Miura, a certified financial planner, educator, and caregiver advocate, discuss the complexities of caregiving and the financial challenges that come with it. They delve into the costs of caregiving, the impact on the caregiver's financial health, and the subsequent ripple effects on their families and the next generation.

Danielle shares her personal caregiving experience and provides valuable insights into the emotional, physical, and financial toll of caregiving. She emphasizes the importance of having a plan in place to protect caregivers and advises on key steps to safeguard one's financial health while providing care.

In this episode they covered:

🔹 The Economic Strain on Family Caregivers

🔹 Impact of Caregiving on Career Progression

🔹 The Mental and Physical Toll on Caregivers

🔹 The Realities of Family Caregiving

🔹 The Financial Strain of Unplanned Caregiving

🔹 Financial Advice for Family Caregivers

🔹 Support Networks for Caregivers

🔹 The Importance of Money Conversations in Families

To connect with Danielle Miura and for more information about Spark Financials message Danielle through LinkedIn (https://www.linkedin.com/in/danielle-miura/) or visit: https://spark-fin.com/
______________________________________________________________________________

➡️ Watch this podcast:  https://youtu.be/oNSv7nqj0Do

#LongTermCare #ElderCarePlanning #SteadfastCarePlanning #LongTermCareInsurance #SparkFinancials

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join us in this heartfelt and informative episode of the Steadfast Care Planning Podcast as Kelly sits down with the esteemed family law attorney and elder care mediator, Alison Forche. Together they delve into the emotional and complex journey of elder care planning, discussing the pressing issues faced by families across the country.

Kelly and Alison explore the intricate and critical need for elder care advocacy. They underscore the challenges that come with being a supportive partner in decision-making. From the nuances of family caregiving to the invaluable guidance provided by professionals, they highlight how preparation and early conversations can make all the difference.

In this episode they covered:

🔹 The importance of being a proactive agent in elder care planning.

🔹 The role and benefits of elder care mediation in elder care planning.

🔹 How to mitigate the stress of unexpected care needs through early dialogue.

🔹 Tips for building a network of professional referral sources.

🔹 The ways in which elder care mediators can provide comfort and solutions to families.

🔹 Utilizing mediation to address family care conflicts and dynamics.

🔹 Understanding the neutrality and benefits of elder care mediation.

🔹 Elder care mediation tips and how to have constructive conversations with family members.

Connect with Alison Forche and for more information about elder care mediation message Alison through LinkedIn (https://www.linkedin.com/in/alisonforche/) or visit: https://forchelawandmediation.com
______________________________________________________________________________

➡️ Watch to this podcast:  https://youtu.be/pi58xFlXtD0

#LongTermCare #ElderCarePlanning #SteadfastCarePlanning #LongTermCareInsurance #ElderCareMediation

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

In this episode, Kelly sits down with Chad Holmes, a certified financial planner and certified public accountant, and author of "The Inheritance Playbook: Helping Your Parents Pass the Torch, Not the Tax." Join them as they delve into actionable steps to help aging family members avoid unnecessary taxes and make their legacies last longer.

Chad provides insights on minimizing taxes and probate, offering case studies to illustrate strategies for tax-efficient inheritance. He emphasizes the importance of open communication between generations and offers practical advice for planning for care to live well. Tune in to gain valuable insights into estate planning and the wealth management process in a multi-generational context.

In this episode they covered:

🔹 Actionable steps to help aging family members avoid unnecessary taxes and make their legacies last longer.

🔹 The need to examine family finances from a multi-generational perspective.

🔹 Contrast between individual-focused financial planning and multi-generational planning for prolonged family legacies.

🔹 The importance of asking family members specific questions to identify critical information related to their estate and finances.

🔹 Emphasis on the need to know assets, debts, ongoing payments, and the existence of essential documents.

🔹 Having a roadmap to access this critical information.

🔹 Practical tips such as keeping cell phones active to facilitate access to important account verification codes.

🔹 The significance of considering the tax bracket and source of income to optimize charitable giving and minimize taxes

Connect with Chad Holmes and for more information on "The Inheritance Playbook: Helping Your Parents Pass the Torch, Not the Tax." message Chad through LinkedIn (https://www.linkedin.com/in/chadholmesformulawealth) or visit: www.FormulaWealth.com
______________________________________________________________________________

➡️ Watch to this podcast: https://youtu.be/lOj6Boo0erU

#LongTermCare #FinancialPlanning #SteadfastCarePlanning #longtermcareinsurance #theinsuranceplaybook

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Welcome to the Steadfast Care Planning podcast! In this episode, host Kelly Augspurger is joined by home safety experts Danielle Roe from Arrow Lift and Doug Rowe from Attune Home Safety Plan. Together, they discuss the critical topic of home modifications for older adults to enhance safety and independence.

Danielle and Doug provide valuable insights into the importance of home modifications, covering everything from safety considerations to specific types of modifications available. They offer practical advice on how to proactively plan and make necessary changes to age comfortably in your home.

In this episode they covered:

🔹 Potential funding sources for home modifications, including long-term care insurance.

🔹 Medicaid waiver programs.

🔹 VA benefits for veterans.

🔹 Cost of home modifications.

🔹 Most important types of home modifications.

🔹 Biggest mistakes when making home modifications.

🔹 Steps that are necessary to include when considering a home modification plan.

🔹 Range of services their companies offer, such as free consultations and detailed assessments.

Connect with Danielle Roe and for more information on Arrow Lift message Danielle through LinkedIn or visit: www.ArrowLift.com Connect with Doug Rowe and for more information on the Attune Home Safety Plan message Doug through LinkedIn or visit: www.AttuneSA.com
______________________________________________________________________________

➡️ Watch to this podcast: https://youtu.be/sAUAnPOVxLU

#LongTermCare #HomeAssessment #SteadfastCarePlanning #longtermcareinsurance #ArrowLift

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Paying for care as we age can be one of the most difficult and challenging periods in our life. Luckily, there are many options that can be explored separately or in combinations.

Kelly Augspurger spoke to Nic Nielsen, a certified financial planner and co-owner of Know My Plan, and they explored many of the options people have for paying for care as they age.

In this episode they covered:

🔹 Self-funding long-term and extended care.

🔹 Multiple ways to use long-term care insurance to pay for care.

🔹 Short-term care and immediate care.

🔹 Life settlements to fund long-term care.

🔹 Health savings accounts.

🔹 Reverse mortgages.

🔹 VA Benefits and the limits to VA benefits.

🔹 The differences and limits between Medicare and Medicaid and how they can be used to help pay for care.

Connect with Nic Nielsen and for more information on Know My Plan message Nic through LinkedIn or visit: www.KnowMyPlan.com
______________________________________________________________________________

➡️ Watch this podcast:  https://youtu.be/FqIw1ltD7ug

#LongTermCare #FinancialPlanning #SteadfastCarePlanning #longtermcareinsurance #KnowMyPlan

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care.

Come back next time for more helpful guidance!

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

What does it mean to age successfully and what tools exist to help us successfully age?

Kelly Augspurger spoke to Larry Nisenson, Chief Growth Officer of Assured Allies, and they explored the innovative technology and programs designed to help people age successfully in place.

In this episode they covered:

🔹 How Assured Allies got its start in the long-term care field.

🔹 The Never Stop Wellness Program that offers personalized coaching to policyholders.

🔹 The role of technology in the Never Stop Wellness Rewards Program.

🔹 The role of the family of policyholders in the Never Stop Wellness Rewards Program.

🔹 The potential for earning extra benefits through the program.

🔹 Future plans for Assured Allies in terms of making their wellness programs available to consumers who do not have LTC policies with embedded programs.

🔹 Key factors and considerations for individuals when planning for extended care.

🔹 Innovative features distinguish the Never Stop program from LTC policies that don't have the Never Stop program embedded in them.

Connect with Larry Nisenson for more information on the Never Stop Wellness Rewards Program through LinkedIn or visit: www.NeverStop.com or www.AssuredAllies.com
______________________________________________________________________________

➡️ Watch this podcast:  https://youtu.be/39Q9baRiMvI

#LongTermCare #FinancialPlanning #SteadfastCarePlanning #NeverStop #AssuredAllies

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care.

Come back next time for more helpful guidance!

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Have you ever thought about living beyond your 100th birthday? What are are the secrets to longevity and vitality inspired by the centenarians who live in the Blue Zones?

Kelly Augspurger spoke to Stevyn Guinnip, CEO of Grow Wellthy, and they ventured deep into the heart of the Blue Zones and extracted life-enriching wisdom that can shift the way you approach your own wellness journey.

In this episode we covered:

🔹 What are the Blue Zones?

🔹 Where are the Blue Zones?

🔹 What do the Blue Zones teach us about healthy Aging?

🔹 What does it mean to "move naturally"?

🔹 What types of diets are found in Blue Zones?

🔹 How can we improve longevity through connection?

🔹 Can our outlook significantly increase our lifespan?

🔹 How to incorporate Blue Zone principles into your daily life.
 Learn from Stevyn's knowledge and experience how you can pivot towards a 'wellthy' lifestyle. Connect with Stevyn Guinnip for more information on her wellness advisory services through LinkedIn or visit: www.GrowWellthy.com.
______________________________________________________________________________

➡️ Watch this podcast:  https://youtu.be/WGscZC48odE

#LongTermCare #FinancialPlanning #SteadfastCarePlanning #GrowWellthy #BlueZones

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care.

Come back next time for more helpful guidance!

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Have you ever thought about Medicaid Planning? What is Medicaid Planning and is it right for you?

I chatted with Cathy Sikorski, Esq., an elder law attorney, speaker and caregiver, about the intricacies and details regarding Medicaid Planning and who it is a good fit for, and  for those who should look into other options.

In this episode we covered:

🔹 The issue of giving away assets to qualify for Medicaid coverage for long-term care 

🔹 Government examination of financial history for the past five years

🔹 Warning against mistakes and importance of consulting experts

🔹 Being prepared and exploring other options

🔹 Choosing the right facility and considerations for Medicaid Planning 

🔹 Implications of relying on Medicaid for care 

🔹 Estate recovery and partnership programs in reciprocity

🔹 Keeping assets and not needing to spend them down before qualifying for Medicaid

_______________________________________________________________________________________________

Watch this episode on YouTube: https://youtu.be/akNGzvAyRss

 #LongTermCare #FinancialPlanning #SteadfastCarePlanning #MedicaidPlanning #PlanningForCare

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

There are many strategies to filing a successful Long-Term Care Insurance claim.

I chatted with Dwight Smith, the owner of AMADA Senior Care Columbus & Toledo, about the LTC insurance claims process.

In this episode we covered:

🔹 Importance of understanding the policy coverage
 
🔹 Exploring additional benefits included (e.g., medical equipment, home modifications)

🔹 Understanding different activation protocols for different insurance companies

🔹 Activities of daily living (ADLs) and cognitive impairments as qualifying criteria

🔹 Need for care for more than 90 days and fulfilling the elimination period 

🔹 Making sure benefits are properly utilized and extended if necessary 

🔹 Doctors documenting the client's needs clearly and specifically

🔹 Encouraging open and honest conversations with physicians 

🔹 The process of submitting a claim 

🔹 Receiving benefits once the elimination period is met

______________________________________________________________________________

Watch this episode on YouTube:  https://youtu.be/z9PBfT_1slk

Steadfast Care Planning podcast is made possible by Steadfast Insurance, CLTC, and AMADA Senior Care Columbus.

#LongTermCare #FinancialPlanning #SteadfastCarePlanning #AmadaSeniorCareColumbus #LongTermCareInsurance

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

I had the pleasure of having Kevin Sypniewski, CEO of AGIS Network, on Steadfast Care Planning podcast. 

We discussed the importance of group and work site long-term care insurance for employers and employees. 

Here are the key topics from their conversation:

1️⃣  What’s the difference between Group and Worksite LTC insurance?  

2️⃣  What size employers can offer LTCi to their employees?

3️⃣  What does the process look like for employers to setup LTC insurance for their employees?

4️⃣  What are the minimum participation requirements by the carrier? 

Tune in to the episode to learn more about the differences between group and work site long-term care insurance, as well as the advantages and disadvantages of each.

➡️ Watch this full episode on YouTube: https://youtu.be/0ZDcYbNDh08

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

What do you need to know about navigating a hospitalization?

Join Kelly and her guest, Dr. Monique Nugent, practicing hospitalist, associate director for the Division of Hospital Medicine at South Shore Hospital in Massachusetts, and author. 

In this episode:

🔹 Tips on how to make the healthcare hospital system work for you

🔹 Biggest mistakes people make when facing a hospitalization entry and release

🔹 How caregivers can be an advocate for aging loved ones’ health and have a hospital plan

🔹 How people can best advocate for themselves and build a team to lean on if they don’t currently have a support system?

➡Watch this episode on YouTube: https://youtu.be/upeLYRQUDUg

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

What do you need to know about planning for care?

Join me and my guest, Jasilika Davidson, Owner of Assisted Living Locators of West Columbus, Senior Care Advisor, Dementia Care Certified, TEDX speaker, and Veteran.

In this episode:

🔹 What’s the “in between” that you talk about?

🔹Why should people plan for care now?

🔹What things should people consider when planning for care?

🔹When having the planning for care convo with your family, what are important things to remember?

🔹When should you talk about LTC and plan for care? 

➡Watch this episode on YouTube:  https://youtu.be/UFMToBmq1UE

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

If you are or know someone who is a Veteran or a Vet’s spouse, what LTC benefits are available to you?

Join me and my guest, Carmen Perry, VP Strategic Partnerships at Veterans Home Care, as we discuss LTC benefits for Veterans and their spouses. 

In this episode:

🔹 What LTC benefits are available to Vets and their spouses?

🔹 Are VA LTC benefits received in home or in facilities? Can Vets choose?

🔹 What are the income and asset requirements for Vets and spouses to receive benefits?

🔹 What are the care needs and time of service requirements for Vets and spouses to receive benefits?

🔹 If a Vet has LTC insurance, how does that coordinate with VA benefits?

🔹 How do Vets and spouses find out what they qualify for?

Watch this episode on YouTube: 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Should you use pay for care with long-term care insurance, self-fund, or a combo? What things needs to be considered?

Join me and my guest co-host, Nic Nielsen, Co-Owner of Know My Plan, as we discuss as we chat about:

🔹 What is LTC? 

🔹 10 things to consider when deciding to buy LTC insurance and/or self-fund care

🔹 Who LTC insurance is NOT a good fit for

Watch the full episode: https://youtu.be/3tzs-JdFq7s

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Do you want to remain in your home as you age, avoid a nursing home, and have a plan for aging well and safely? 

Join me and my guest, Lynne Giacobbe, CEO at Kendal at Home, a unique aging in place program, as we discuss life care at home.

In this episode:

🔹 What is a life care at home model? What types of services are provided?

🔹 What if you move to a facility, do life care benefits go with you?

🔹 How does LTC insurance fit/coordinate with a life care plan?

🔹 How much care is provided? Are there daily or monthly benefit limits?

🔹 How much does it cost? Is there a fee to join and then ongoing annual fees?

🔹 Who can join? Age and health limits?

 
Watch this episode on YouTube: https://youtu.be/-8APJmW_1XQ  

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

What do you need to know about dementia? 

 
Join Kelly and her guest, Teepa Snow, Owner and Founder of Positive Approach, occupational therapist, and dementia specialist. Teepa is a wealth of knowledge and recently she’s been a dementia specialist to Bruce Willis’ family.

In this episode:

🔹 What is dementia? 

🔹 What parts of the brain are typically impaired with dementia? What do people living with dementia typically lose and keep?

🔹 What are the 4 truths of dementia and how long do people typically live with dementia?

🔹 Is there anything people can do to reduce risk for dementia?

🔹 What is Teepa’s Positive Approach to Care? How can people best support a person living with dementia?

🔹 What are cues that you might have signs of dementia?

Listen to this full episode:

Watch this episode on YouTube:

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Losing a loved one can feel very overwhelming. Grieving is an important part of the process, but what about all the practical things that need done? 

Join Kelly and Nic Nielsen, Co-Owner of Know My Plan, as they discuss what to do after you lose a loved one.

In this episode:

🔹 What to do after you lose a loved one: weeks 1-4 and after months 1, 3, and 6. 

🔹 Decisions you should wait at least a year to make

🔹 General advice

Watch this episode on YouTube:
  https://youtu.be/nA5134NqKWY 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest, Miriam Bogard, Owner of Assisted Living Locators of East Columbus, as they discuss assisted living.

In this episode:
✔  When to look at assisted living

✔  Important questions to ask assisted living communities

✔  How much assisted living costs

✔  How to pay for assisted living

🔹 Watch this episode on YouTube: https://youtu.be/E7mCnM2DJfY

Learn more about Assisted Living Locators of East Columbus: https://assistedlivinglocators.com/care-advisor/eastcolumbus 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest, Wendi Gang, Patient Navigator at ProMedica Heartland, as they discuss hospice care.

In this episode:

✔ What is hospice care? What services are provided?

✔ Does hospice include 24/7 care?

✔ Where can hospice care be received?

✔ When should people start hospice care?

✔ What are the benefits of using hospice care?

✔ How much does hospice care generally cost and who pays for it? 

✔ What questions are important to ask when choosing a hospice care provider?

🔹Watch this episode on YouTube: https://youtu.be/tQ0eehuyuds 

 🔹Learn more about ProMedica Hospice: https://www.promedicahospice.org/ 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest, Chris Orestis, President of Retirement Genius, as they discuss life settlements.

In this episode:

🔹 What is a life settlement and how do they work?

🔹What types of policies qualify for a life settlement?

🔹 Who is eligible for a life settlement? 

🔹 How is it different from a viatical settlement?

🔹 How long does the selling process typically take?

🔹 What are the different life settlement payout options?

🔹 How are life settlements taxed?

Watch this episode on YouTube:

https://youtu.be/PyKC_fh1Bwk

Learn more about Chris and Retirement Genius: 

https://chrisorestisrg.com/ 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest co-host, Nic Nielsen, as Kelly explains traditional LTC insurance.

In this episode:

🔹 What is traditional long-term care insurance?

🔹 Who is a good fit for traditional long-term care insurance?

🔹 Who is NOT a good fit for traditional long-term care insurance?

🔹 LTC insurance tax deductions

Watch this episode on YouTube:
https://youtu.be/RSmx2tTEwCQ  

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest, Courtney Nalty, Caregiver and Aging Consultant and Founder of Generational Support as they discuss hospital discharge and care plan tips.

In this episode:

🔹 Hospital discharge tips

🔹 Establishing a care plan

🔹 Caregiver toolbox

🔹 How to plan for care to live well


Watch this episode on YouTube:
https://youtu.be/yXgT2iAQIUI


Learn more about Courtney:
https://generationalsupport.com/

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest, Kean Dillon, Owner of Senior Helpers of Columbus.

In this episode:

🔹 Home care explained

🔹 Questions to ask a home care provider

🔹 How home care is typically billed

🔹 Ways to pay for home care
            

Find out more about Senior Helpers of Columbus:
https://www.seniorhelpers.com/oh/columbus-north/ 

Watch this episode on YouTube:
https://youtu.be/ac3A_xQnFQ0  

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest, Cathy Sikorski, elder law attorney and experienced caregiver.

In this episode:

🔹 Things you can do to positively help you as a caregiver

🔹 Available programs to pay family caregivers

🔹Important legal documents for families and caregivers

 
Find out more info about Cathy:
https://cathysikorski.com/ 

Watch this episode on YouTube:

 https://youtu.be/nBLdQFJMOvU 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest co-host, Nic Nielsen, CFP®, Co-Owner of Know My Plan. 

In this episode, Kelly explains: 

🔹 What long-term care insurance can do and how it works 

🔹 Why long-term care insurance is about love 

🔹 Advice on how people can plan for care to live well 

               
Watch this episode on YouTube: 
https://youtu.be/a7t8iiTl-bo 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

ElliQ: The sidekick for healthier, happier aging.

Join Kelly and her guest, Noa Almog, Director of Product Strategy at Intuition Robotics.

In this episode: 

🔹 Who/what is ElliQ? Who does she help?

🔹 How is she different from a device like Alexa?

🔹 Examples of how she helps people

🔹 Engaging with ElliQ

🔹 How much ElliQ costs and where to get her

Watch this episode on YouTube:

https://youtu.be/p5ufB1PC9qA 
 

Find out more about ElliQ:

https://elliq.com/ 

To get a discount on ElliQ, use promo code - SCP199

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Tax Tips for Caregivers & Long-Term Care Planning 

Join Kelly and her guest, Jennifer Zimmerman, Tax Senior Manager at GBQ Partners.

In this episode: 

🔹 Threshold for claiming loved ones as dependents on tax returns

🔹 Credits and deductions for caregivers

🔹 Medical expense and long-term care insurance deductions

🔹 Gift tax

🔹 Tax tricks for those at retirement age

🔹 How IRS contacts you. Beware of scammers.

Watch this episode on YouTube:

https://youtu.be/9OJu_vAekHA 
 

Find out more about GBQ Partners and Jennifer:

https://gbq.com/columbus-ohio/   

This episode was recorded in Nov 2022. Tax laws are subject to change.

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest, Anne Farley, Director of Community Relations at The Ganzhorn Suites.

In this episode: 

🔹 How people know when it's time for memory care for a loved one

🔹 The difference between assisted living and specialized memory care

🔹Important considerations when choosing a memory care community

🔹How people pay for memory care communities

Watch this episode on YouTube:

https://youtu.be/hVXN7xB842k   

Find out more about The Ganzhorn Suites and Anne:

https://www.ganzhorn.com/ 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest, Nic Nielsen, CFP®, Co-Owner of Know My Plan.

In this episode: 

🔹 How LTC can affect the retirement plan

🔹 Ways to pay for care

🔹 Considerations to make if people self-fund

🔹 How Health Savings Accounts (HSAs) can be used

Watch this episode on YouTube:
https://youtu.be/jtALIzDpAGA

Find out more about Nic:
https://knowmyplan.com/ 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest, Stevyn Guinnip, aka the girl named Stevyn, wellness coach for financial folks. Today we’re talking about how to live longer and healthier. 

 In this episode: 

🔹 How we can expand our health span 

🔹 Longevity tips

🔹 How to prevent falls

🔹How to be metabolically flexible

🔹Key indicators for chronic disease

Watch this episode on YouTube:
https://youtu.be/vT6GBJghm2E   

Find out more about Stevyn:
www.GrowWellthy.com 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest, Jennifer Fink, podcast host of “Fading Memories.”

 In this episode: 

🔹 Challenges that caregivers of cognitive impairments face

🔹Working caregivers need support at work

🔹 How to create a care team

🔹 Holiday tips for dementia caregivers

Watch this episode on YouTube:
https://youtu.be/vRTLpQXkp0g
 

Find out more about Jennifer’s podcast:

 https://fadingmemoriespodcast.com/ 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest, Kay Coughlin, business coach and advocate for family caregivers. Today we’re talking about how to get unstuck as a caregiver. 

In this episode: 

🔹 How caregivers can reduce stress and prioritize themselves

🔹 Setting boundaries – learning the art of saying yes and no

🔹 How caregivers can start to get unstuck 

“Kind people say no too” – Kay’s podcast episode 

Nami.org – National Alliance on Mental Illness – support and encouragement

Watch this episode on YouTube:

https://youtu.be/HV1LLkAIVOg 

Find out more about Kay Coughlin:

https://facilitatoronfire.net/

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest: Kay Coughlin, business coach and advocate for family caregivers. Today we’re talking about family caregiving and how to set expectations.

In this episode: why planning for care and caregiving is not a priority for most people, how people can set expectations around these difficult conversations with their families, how to navigate expectations around the holidays, and Human Giver Syndrome.

Watch this episode on YouTube:

https://youtu.be/5S4dRywST6o 

Find out more about Kay Coughlin:

https://facilitatoronfire.net/

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest: Courtney Markley, Owner of Markley Coaching Group. Courtney is on a mission to get people comfortable talking about money.

Today we’re talking about how to financially prepare for the empty chair.

In this episode: How can people financially prepare for the empty chair, best practices when talking to your spouse and kids, what to do if you’ve recently lost a spouse. 

Watch this episode on YouTube:

 https://youtu.be/hWsahDzfp1w

Find out more about Courtney Markley:

www.MarkleyCoachingGroup.com

#FinancialPlanning #LongTermCare #SteadfastCarePlanning 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest: Sheryl Moore, CEO of Wink and Moore Market Intelligence. Today we’re talking about life insurance with living benefits and extended care protection.

In this episode: Product trends and living benefits, product innovation, how hybrid LTC policies are structured, Pension Protection Act and LTC, what LTC solution is best, and roadblocks that insurance companies face in the hybrid annuity market.

Find out more about Sheryl Moore:
https://www.winkintel.com/
Linkedin: https://www.linkedin.com/in/sheryljmoore/ 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest: Steven Sless. Steven is the President of Reverse Mortgage  Lending at Primary Residential Mortgage, Inc (PRMI). He educates people on how the strategic and proactive use of housing wealth with a reverse mortgage can offer advanced retirement income strategies, protecting and preserving a retirement portfolio. 

Today we’re talking about housing wealth can help you in retirement.

In this episode: what is a reverse mortgage and how it works, who should and should not consider one, what the obligations are when you have one, common misconceptions about them, and how they can be used in a long-term care plan. 

 
Find out more about Steven and PRMI.

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest: Emily Clugston, Owner of Seniors Servicing Company, and Medicare professional. Today we’re talking about how to navigate Medicare and a mound of medical bills.

In this episode: Important things people need to consider when choosing a Medicare plan, Medicare premium changes, Medicare and long-term care, medical bills and claims, Explanation of Benefits, and household money management services. 

 Watch this episode on YouTube:

https://youtu.be/OsqardzwApM 

 
Find out more about Emily Clugston:

https://seniorsservicing.com/

 
For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com. 

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance! 

Join Kelly and her guest: Tom Hegna, economist, retirement income expert, speaker, and author. Tom is on a mission to help the world’s population understand the math and science to retire happy.

Today we’re talking about how no retirement plan is complete without a plan for long-term care (LTC).

In this episode: the importance of planning for long-term care (LTC) and how it can affect your retirement plan, the three phases of retirement, Pension Protection Act annuities, increasing income in retirement, and why it’s important to work with an independent LTC insurance Specialist. 

Watch this episode on Youtube:

https://youtu.be/HT4qHJbNA68

 
Find out more about Tom Hegna:

https://tomhegna.com/

Find Tom’s books online:

https://tinyurl.com/235z2722

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by AMADA Senior Care and Steadfast Insurance LLC.

Come back next time for more helpful guidance!