Send us a text🎙️ 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/O6NG3xlRTxUHamilton 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 #SteadfastCarePlanningFor 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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a text📸 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.comwww.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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a text🎙️ 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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a text🎙️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/JK9ElArY4UwFor more information about Deb Martin and Thrivent, please visit: https://www.thrivent.comhttps://www.linkedin.com/in/dmarquette To report abuse:National Adult Protective Services Association: https://www.napsa-now.org(202)-370-6292Long-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 #preventelderabuseFor 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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a text🎙️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/uPqgeeMmmowFor more information about Molly Good and Otterbein Senior Life, please visit:https://otterbein.orghttps://www.linkedin.com/company/otterbein-seniorlifehttps://web.facebook.com/OtterbeinLebanonSeniorLifeCommunity#LongTermCare #OtterbeinSeniorLife #SteadfastCarePlanning #CCRC #longtermcareinsuranceFor 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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a text🫁 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 CFor 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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a text🚀 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 #AIandHealthcareFor 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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a text💡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 #MyCareFriendsFor 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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a text💡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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a textIn 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 FamiliesTo 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 #SparkFinancialsFor 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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a textJoin 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 #ElderCareMediationFor 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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a textIn 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 taxesConnect 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 #theinsuranceplaybookFor 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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a textWelcome 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 #ArrowLiftFor 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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a textPaying 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 #KnowMyPlanFor 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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a textWhat 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 #AssuredAlliesFor 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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a textHave 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 #BlueZonesFor 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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a textHave 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 #PlanningForCareFor 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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a textThere 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_1slkSteadfast Care Planning podcast is made possible by Steadfast Insurance, CLTC, and AMADA Senior Care Columbus.#LongTermCare #FinancialPlanning #SteadfastCarePlanning #AmadaSeniorCareColumbus #LongTermCareInsuranceFor 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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a textI 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/0ZDcYbNDh08For 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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!

Send us a textWhat 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/upeLYRQUDUgFor 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 Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care Columbus. Come back next time for more helpful guidance!