Senior Living

Dating After 60. What It’s REALLY Like

Newly single older people are finding a dating landscape vastly different from the one they knew in their 20s and 30s.    NOTE:  AFL thanks Faith Hill and The Atlantic for this informative article. When Rhonda Lynn Way was in her 50s and on the dating scene for the first time since she was 21, she had no idea where to start. Her marriage of 33 year...Read More

Your Retirement Income – 5 Factors To Know

  Financial decisions may impact your income and taxes at certain retirement milestones. A key milestone is the window between your retirement date and the year you begin taking required minimum distributions (RMDs). Strategic planning for this window may extend your retirement dollars, so continued support from your financial advisor is essen...Read More

To Work? or Not To Work….. Some Reasons To Think It Through

Why would anyone choose to keep a job when they could retire (or go back to work when they could stay retired)?  After all, “tradition” has it that most workers eagerly await retirement. We tend to think of it as our ultimate reward for decades of effort and hard work. But sometimes, the reality of retirement living doesn’t match ...Read More

Concerned? Weak Bones (Osteopenia) – but not quite Osteoporosis

Like their names suggest, osteopenia and osteoporosis are related diseases. Both are varying degrees of bone loss, as measured by bone mineral density, a marker for how strong a bone is and the risk that it might break. If you think of bone mineral density as a slope, normal would be at the top and osteoporosis at the bottom. Osteopenia, which affe...Read More

Planning for the Future? Why an Independent Living Community May Be Your Best Option

No matter who you are, what you do, and how old you might be, it’s never too early to start planning for your future. Knowing that you’re prepared for when the time comes to hang up your hat and move on to greener pastures takes a lot of the sting out of an uncertain future.  Part of this future planning involves coming up with a solution for your ...Read More

“Sandwiched?” Financial Implications Can Be Real

The “sandwich generation”—people still supporting adult kids or grandchildren while caring for their own aging parents—has grown in recent years. Nearly 48 million Americans, or 19.2%, have provided care for someone 18 years or older in the past 12 months.  That number has gone up by more than 8 million since 2015. Though the “sandwich generation” ...Read More

5 Common Retirement Myths That Need Dispelling

Here are some insights to help dispel five persistent myths about retirement. Myth #1: I don’t need to revisit my withdrawal rate Planning how you will create a retirement income stream can be challenging. Historically, a rule of thumb has been that a properly diversified portfolio can last 30 years given withdrawals of 4% or less and increased ann...Read More

Staying Engaged: Just What The Brain Doctor Ordered!

Declining brain health is perhaps the greatest fear of older adults. The good news is that you can take steps to maintain your thinking and memory for many years to come. A healthy diet, regular aerobic exercise, and proper sleep are essential to keep your brain healthy. But work engagement and life satisfaction are two additional factors that conf...Read More

Focus – A Challenge as We Age

Just as you may not run as fast or jump as high as you did as a teenager,your brain’s cognitive power—that is, your ability to learn, remember, and solve problems—slows down with age. You may find it harder to summon once familiar facts or divide your attention among two or more activities or sources of information. These changes affect your ...Read More

Financial Benefits of Working after Retirement

Given retirement can last several decades, many retirees continue working to some degree. Whether by choice or necessity, working after retirement provides you with financial benefits. If you don’t have a financial advisor, this may be a good time to seriously consider getting one.  Here are a few considerations to discuss with your financial advis...Read More

Be AWESOME! Move It!

Spend a lot of time sitting each day? If you’re like most people, more than half of your waking hours are spent parked on a chair or sofa. Even if you dedicate at least 30 minutes a day to structured exercise (such as brisk walking, cycling, or swimming), it’s still important to get up and move for at least a few minutes, many times thr...Read More

Some Thoughts about Reverse Mortgages

QUESTION: What are the pros and cons of reverse mortgages? “Needs to know.” AFL’S ROSEMARIE BOYD ANSWERS: Dear “Needs To Know:” Before I give my opinion on this, I would like to start with a word of caution!   This decision is one which should not be made without expert advice!  Because much of the decision is a planni...Read More

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