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Navigating the Financial Maze of Aged Care: A Guide by Aged Care Financial Advisors
Author: Eleanor Vance, CFP®, ChFC®, Certified Aged Care Financial Planner
Publisher: ElderCare Insights, a leading publisher of resources for senior care and financial planning.
Editor: Dr. Amelia Stone, PhD, Gerontology, specializing in financial well-being in later life.
Introduction:
The transition to aged care is a significant life event, often fraught with emotional and financial complexities. For many families, understanding the financial implications of aged care is daunting, requiring expert navigation through a labyrinth of government subsidies, private insurance options, and long-term care costs. This is where the crucial role of aged care financial advisors comes into play. They provide invaluable support, guiding families through the financial planning process and ensuring the best possible outcome for their loved ones.
H1: Understanding the Landscape: The Role of Aged Care Financial Advisors
Aged care financial advisors are specialized professionals who possess in-depth knowledge of aged care funding models, government programs (like Centrelink's aged care packages and the Aged Care Royal Commission reforms), and private insurance options. They act as advocates for their clients, analyzing individual financial situations to develop tailored strategies that optimize the use of available resources. This goes beyond simple financial planning; it involves compassionate understanding of the emotional complexities surrounding aged care decisions.
H2: Case Study 1: The Smiths' Journey
The Smiths, a couple in their late 70s, faced a challenging situation when Mrs. Smith required residential aged care. Their savings were substantial, but they were unsure how to best utilize their assets while ensuring Mrs. Smith received the best possible care. Their aged care financial advisor meticulously analyzed their financial portfolio, explored different aged care options, and helped them understand the implications of various funding models. By strategically utilizing their assets and accessing government subsidies, the advisor helped the Smiths secure a comfortable placement for Mrs. Smith without depleting their savings prematurely. The advisor also helped them navigate the complexities of Centrelink's aged care pension assessment.
H2: Case Study 2: The Challenges of Unexpected Costs
Mr. Jones, a widower in his early 80s, found himself needing home care services after a sudden illness. He had not anticipated these significant expenses and was initially overwhelmed. His aged care financial advisor stepped in, helping him identify available government subsidies and exploring potential adjustments to his existing financial plans. The advisor also facilitated communication with his healthcare providers to ensure the most cost-effective care was delivered. This situation highlights the importance of proactive financial planning and the invaluable support offered by aged care financial advisors, especially in unexpected circumstances.
H2: Personal Anecdote: The Power of Proactive Planning
During my time as an aged care financial advisor, I encountered many families who had delayed financial planning until a crisis arose. One family I worked with faced immense stress when their father required urgent aged care placement, with little time to arrange their finances. Their emotional distress was amplified by their lack of financial preparedness. This experience underscored the importance of proactive financial planning, emphasizing the significant advantage of working with aged care financial advisors well in advance of any potential need for aged care. Early planning can alleviate significant stress and ensure better financial outcomes.
H2: Choosing the Right Aged Care Financial Advisor
Choosing the right aged care financial advisor is crucial. Look for advisors with specific certifications, such as a Certified Financial Planner (CFP) or a Certified Aged Care Financial Planner designation. Ensure they are experienced in navigating the complexities of aged care funding, have a proven track record, and provide clear and transparent communication. A good advisor should not only be financially astute but also empathetic and sensitive to the emotional aspects of this challenging period.
H2: The Future of Aged Care Financing and the Role of Advisors
The aged care landscape is constantly evolving. Government policies, funding models, and technological advancements continuously shape the financial dynamics of aged care. Therefore, the role of aged care financial advisors is paramount. Their expertise in navigating these changing dynamics and proactively adapting to new policies ensures their clients receive the best possible financial outcomes. They can help families understand the implications of the latest reforms, ensuring their loved ones benefit from all relevant government subsidies and assistance programs.
Conclusion:
Navigating the financial complexities of aged care can be overwhelming. However, with the guidance of experienced aged care financial advisors, families can approach this transition with greater confidence and peace of mind. By proactively planning, understanding the available resources, and working with a qualified professional, families can ensure their loved ones receive the best possible care without undue financial burden. Choosing a compassionate and knowledgeable advisor is paramount in ensuring a smooth and well-supported transition into aged care.
FAQs:
1. What qualifications should I look for in an aged care financial advisor? Look for certifications such as CFP®, ChFC®, or specialized aged care financial planning designations.
2. When should I start seeking advice from an aged care financial advisor? Ideally, well in advance of needing aged care, allowing for proactive planning.
3. Do aged care financial advisors deal with Centrelink applications? Yes, many advisors assist with navigating the complexities of Centrelink applications and aged care subsidies.
4. What are the typical fees charged by aged care financial advisors? Fees vary, so it's important to discuss fees and payment structures upfront.
5. Can aged care financial advisors help with choosing an aged care facility? While not always directly involved in facility selection, they can help assess the financial implications of different facility choices.
6. What happens if my financial situation changes unexpectedly? A good advisor will adapt their plan to accommodate unforeseen circumstances.
7. Are aged care financial advisors regulated? Check with your relevant regulatory body for information on advisor registration and compliance.
8. How do I find a reputable aged care financial advisor? Seek referrals, check online reviews, and verify credentials.
9. Can aged care financial advisors help with estate planning related to aged care? Many advisors incorporate estate planning into their comprehensive aged care financial strategies.
Related Articles:
1. Understanding Aged Care Subsidies in Australia: A detailed guide on different government subsidies and their eligibility criteria.
2. Navigating the Aged Care Royal Commission Reforms: An analysis of the financial implications of the Royal Commission recommendations.
3. Home Care vs. Residential Aged Care: A Financial Comparison: A cost comparison of different aged care options.
4. Long-Term Care Insurance: Is it Right for You?: An exploration of private long-term care insurance options.
5. Protecting Your Assets in Aged Care Planning: Strategies to protect assets while accessing aged care.
6. Estate Planning and Aged Care: A Synergistic Approach: Integrating estate planning and aged care financial strategies.
7. Financial Planning for Dementia Care: Specific financial considerations when dealing with dementia.
8. The Role of Power of Attorney in Aged Care: The importance of power of attorney in making financial decisions.
9. Aged Care Funding for Veterans: Information on specific funding options available for veterans.
| aged care financial advisors: Aged Care. Who Cares? Rachel Lane, Noel Whittaker, 2011-10-13 Whether you are looking into aged care for yourself or a loved one often it is a difficult as well as an emotional process, especially because the rules are incredibly complex, and making the wrong decision can have a high cost both financially and emotionally. This book discusses the options available to anybody requiring aged care, including care in the home, retirement village options and the different types of aged care facility, and highlights the main factors to consider. It also contains a guide to many other resources that can assist you. |
| aged care financial advisors: The White Coat Investor James M. Dahle, 2014-01 Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a Backdoor Roth IRA and Stealth IRA to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place. - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research. - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books This book should be in every career counselor's office and delivered with every medical degree. - Rick Van Ness, Author of Common Sense Investing The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk. - Joe Jones, DO Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis. - Dennis Bethel, MD An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust. - Greg E Wilde, M.D Scroll up, click the buy button, and get started today! |
| aged care financial advisors: Changing Faces – America’s Wealth Advisors James M. Robinson, 2007-03-28 Changing Faces - America's Wealth AdvisorsThe Place for Aspiring and Young Financial Services Professionals i.e. Young In Business |
| aged care financial advisors: Getting Your Affairs in Order , 1988 |
| aged care financial advisors: The Ultimate Betrayal Anne McGowan, 2016-07-29 Millions of people around the world are watching their parents and other loved ones grow olderand those elderly people are at risk. Its not only dying or getting sick they have to worry about: As people get older, they become easy prey for criminals who want to separate them and future generations from their hard-earned money and assets. In this guide to protecting yourself and recognizing when a loved one is at risk, youll learn how to: take preventative steps to ensure elder abuse never starts; recognize when someone might be trying to take advantage of a loved one; navigate the complicated process of stepping in to take care of an elderly loved one; and promote widespread respect and dignity for the elderly. McGowan draws on real-life experiences to show the profound implications of letting yourself or a loved one be taken for a fool. With the continued aging of the adult population, abuse of the elderly is going to become a bigger problem with time. Dont let yourself or your family be victimized by The Ultimate Betrayal. |
| aged care financial advisors: Ernst & Young's Personal Financial Planning Guide Ernst & Young LLP, Martin Nissenbaum, Barbara J. Raasch, Charles L. Ratner, 2004-10-06 If you want to take control of your financial future and unlock thedoors to financial success, you must have a plan that will allowyou to find good investments, reduce taxes, beat inflation, andproperly manage money. Whether you're new to financial planning or a seasoned veteran,this updated edition of Ernst & Young's Personal FinancialPlanning Guide provides valuable information and techniques you canuse to create and implement a consistent personalized financialplan. It also takes into consideration the new tax rules thataffect home ownership, saving for college, estate planning, andmany other aspects of your financial life. Filled with in-depth insight and financial planning advice, thisunique guide can help you: * Set goals * Build wealth * Manage your finances * Protect your assets * Plan your estate and investments It will also show you how to maintain a financial plan inconjunction with life events such as: * Getting married * Raising a family * Starting your own business * Aging parents * Planning for retirement Financial planning is a never-ending process, and with Ernst &Young's Personal Financial Planning Guide, you'll learn how totailor a plan to help you improve all aspects of your financiallife. |
| aged care financial advisors: The Barefoot Investor Scott Pape, 2019-06-12 ** Reviewed and updated for the 2020-2021 financial year** This is the only money guide you'll ever need That's a bold claim, given there are already thousands of finance books on the shelves. So what makes this one different? Well, you won't be overwhelmed with a bunch of 'tips' ... or a strict budget (that you won't follow). You'll get a step-by-step formula: open this account, then do this; call this person, and say this; invest money here, and not there. All with a glass of wine in your hand. This book will show you how to create an entire financial plan that is so simple you can sketch it on the back of a serviette ... and you'll be able to manage your money in 10 minutes a week. You'll also get the skinny on: Saving up a six-figure house deposit in 20 months Doubling your income using the 'Trapeze Strategy' Saving $78,173 on your mortgage and wiping out 7 years of payments Finding a financial advisor who won't rip you off Handing your kids (or grandkids) a $140,000 cheque on their 21st birthday Why you don't need $1 million to retire ... with the 'Donald Bradman Retirement Strategy' Sound too good to be true? It's not. This book is full of stories from everyday Aussies — single people, young families, empty nesters, retirees — who have applied the simple steps in this book and achieved amazing, life-changing results. And you're next. |
| aged care financial advisors: How to Age in Place Mary A. Languirand, Ph.D., Robert F. Bornstein, Ph.D., 2013-09-03 The first authoritative and comprehensive guide to aging in place--a burgeoning movement for those who don't want to rely on assisted living or nursing home care--which allows seniors to spend their later years living comfortably, independently, and in their own home or community. For millions of Americans, living in a nursing home or assisted living facility is not how they’d prefer to spend their retirement years. This is why more and more people are choosing to “age in place.” In this empowering and indispensable book, clinical psychologists and aging specialists Mary Languirand and Robert Bornstein teach readers how, with planning and foresight, they can age with dignity and comfort in the place of their own choosing. How to Age in Place offers useful, actionable advice on financial planning; making your home physically safe; getting around; obtaining necessary services; keeping a healthy mind, body, and spirit; and post-retirement employment. A necessary resource for seniors, their adult children, and eldercare professionals, How to Age in Place is both a practical roadmap and inspirational guide for the millions of seniors who want to make their own decisions and age well. |
| aged care financial advisors: The Age Care Sourcebook Jean Crichton, 1987 |
| aged care financial advisors: Families Caring for an Aging America National Academies of Sciences, Engineering, and Medicine, Health and Medicine Division, Board on Health Care Services, Committee on Family Caregiving for Older Adults, 2016-12-08 Family caregiving affects millions of Americans every day, in all walks of life. At least 17.7 million individuals in the United States are caregivers of an older adult with a health or functional limitation. The nation's family caregivers provide the lion's share of long-term care for our older adult population. They are also central to older adults' access to and receipt of health care and community-based social services. Yet the need to recognize and support caregivers is among the least appreciated challenges facing the aging U.S. population. Families Caring for an Aging America examines the prevalence and nature of family caregiving of older adults and the available evidence on the effectiveness of programs, supports, and other interventions designed to support family caregivers. This report also assesses and recommends policies to address the needs of family caregivers and to minimize the barriers that they encounter in trying to meet the needs of older adults. |
| aged care financial advisors: The Essential Advisor Bill Crager, Jay Hummel, 2016-05-02 Leverage the financial services evolution to maximize your firm's value The Essential Advisor presents an insightful handbook for advisors looking to navigate the changing face of financial services. The industry is evolving, consumers are evolving, and many advisors are being left behind as old methods become less and less relevant. This book shows you how to turn this shift into a positive, by positioning your firm to maximize these new opportunities, and deliver the results and experience increasingly expected of financial advisors. You'll learn how to provide the transparency, hands-on interaction, and around-the-clock access today's clients demand, and how to consistently deliver service that robo-advisors cannot duplicate. Emerging technologies do not have to be a threat to your practice—they are tools that represent opportunities to provide greater service to your clients, and smart technology integration will be a hallmark of firms that survive the shift. This guide provides a clear vision of the future of financial services, and an indispensable management framework for maximizing your firm's future value. Advisors are increasingly confused about what clients are seeking, and clients are equally confused about what advisory firms offer that alternatives cannot. This book helps clear the air on both sides by examining the client's perspective of financial services, and helping advisors better communicate their strengths. Articulate the value of your services Leverage new technology to complement your practice Capitalize on opportunities and maximize your firm's value Position your firm to benefit from the changing consumer population Financial advisors can only grow their businesses if clients know what they do, know how to hire them, and can access them affordably. The Essential Advisor shows you to bring your firm into the future successfully. |
| aged care financial advisors: Delivering the Vision Eileen M. Milner, Henrietta L. Moore, Todd Sanders, 2002 This text contains a range of case studies from the United Kingdom, Ireland, Canada, the USA and Australia. Contributions focus both on those factors critical to success and on reasons for failure, but a common theme to emerge across all contributions is the requirement for a clear political vision, commitment and leadership if the shift from traditional forms of social and economic organization to high-value, knowledge-intensive economies is to be safely negotiated. At the same time, individual case studies provide valuable blueprints for successful implementation of an ambitious public service change agenda. |
| aged care financial advisors: New Story for Humanity Susan Altschwager, 2013-08 Susan Altschwager was once a very ordinary woman, busy creating a life around her family, friends, career, and community. Then one fateful day, she experienced something that would change her life forever. An interaction with a non-physical being from an ancient civilization was the start of a new life for Susan. As an electromagnetic energy field penetrated her whole physical body, activating her DNA codes of remembrance, she entered and connected to Mother Earth. Susan began to see the truth around her. She gained awareness of humanity's cycle of life, and great knowledge and wisdom became her human reality. Twenty-five years after that extraordinary encounter, she has reached a place of total acceptance. She now embraces her destiny as a pioneer of this time who bears the responsibility to educate and inspire others. She wants everyone to understand that each person has a role in the bigger picture. Accepting her role-as the voice for Mother Earth-has been challenging for Susan, but once she surrendered to her fate, her journey truly began. Susan Altschwager is an ordinary woman, wife, mother, and grandmother with great love for her family-and an amazing message for humanity. |
| aged care financial advisors: Elder Care Made Easier Marion Somers, 2020-07-15 If you are caring for an aging parent, spouse, or other loved one, you are not alone. Statistics show that nearly 25 percent of all households in the United States are providing care for an elderly person. Although you may be willing to help, you may find the task comes with unexpected challenges. Matters you never thought about are now your responsibility—healthcare, housing, financial and legal matters, as well as day-to-day issues involving nutrition, medications, and personal safety. You may find yourself worried, overworked, and exhausted. Over the past forty-five years, Doctor Marion Somers, a leading geriatric specialist, has helped thousands of individuals and their families with these matters. In Elder Care Made Easier, she draws from those decades of experience to offer 10 practical steps to help you navigate your caregiver's journey: &• Communicate openly &• Put safety first &• Improve the lifestyle &• Make life easier with adapted equipment &• Manage financial issues &• Take care of legal matters &• Find mobility in disability &• Find the right housing &• Hire help when it's needed &• Learn to let go Doctor Marion Will Save You Time, Money, and Heartache |
| aged care financial advisors: Comprehensive Financial Planning Strategies for Doctors and Advisors David Edward Marcinko, Hope Rachel Hetico, 2014-12-09 Drawing on the expertise of multi-degreed doctors, and multi-certified financial advisors, Comprehensive Financial Planning Strategies for Doctors and Advisors: Best Practices from Leading Consultants and Certified Medical Planners will shape the industry landscape for the next generation as the current ecosystem strives to keep pace.Traditional g |
| aged care financial advisors: Buying, Selling, and Valuing Financial Practices, + Website David Grau, Sr., 2016-08-22 The Authoritative M&A Guide for Financial Advisors Buying, Selling, & Valuing Financial Practices shows you how to complete a sale or acquisition of a financial advisory practice and have both the buyer and seller walk away with the best possible terms. From the first pages of this unique book, buyers and sellers and merger partners will find detailed information that separately addresses each of their needs, issues and concerns. From bestselling author and industry influencer David Grau Sr. JD, this masterful guide takes you from the important basics of valuation to the finer points of deal structuring, due diligence, and legal matters, with a depth of coverage and strategic guidance that puts you in another league when you enter the M&A space. Complete with valuable tools, worksheets, and checklists on a companion website, no other resource enables you to: Master the concepts of value and valuation and take this issue “off the table” early in the negotiation process Utilize advanced deal structuring techniques including seller and bank financing strategies Understand how to acquire a book, practice or business based on how it was built, and what it is capable of delivering in the years to come Navigate the complexities of this highly-regulated profession to achieve consistently great results whether buying, selling, or merging Buying, Selling, & Valuing Financial Practices will ensure that you manage your M&A transaction properly and professionally, aided with the most powerful set of tools available anywhere in the industry, all designed to create a transaction where everyone wins—buyer, seller, and clients. |
| aged care financial advisors: Official Gazette of the United States Patent and Trademark Office , 2001 |
| aged care financial advisors: Handbook of Geriatric Care Management Cathy Cress, 2007 This book is a reference which addresses the many settings that geriatric care managers find themselves in, such as hospitals, long-term care facilities, and assisted living and rehabilitation facilities. It also includes case studies and sample forms. |
| aged care financial advisors: Age-Friendly Health Systems Terry Fulmer, Leslie Pelton, Jinghan Zhang, 2022-02 According to the US Census Bureau, the US population aged 65+ years is expected to nearly double over the next 30 years, from 43.1 million in 2012 to an estimated 83.7 million in 2050. These demographic advances, however extraordinary, have left our health systems behind as they struggle to reliably provide evidence-based practice to every older adult at every care interaction. Age-Friendly Health Systems is an initiative of The John A. Hartford Foundation and the Institute for Healthcare Improvement (IHI), in partnership with the American Hospital Association (AHA) and the Catholic Health Association of the United States (CHA), designed Age-Friendly Health Systems to meet this challenge head on. Age-Friendly Health Systems aim to: Follow an essential set of evidence-based practices; Cause no harm; and Align with What Matters to the older adult and their family caregivers. |
| aged care financial advisors: Live Longer with AI Tina Woods, 2020-09-30 A wakeup call that shows us how to live our best and longest lives through the power of AI Key FeaturesDiscover how the latest cutting-edge developments in health and AI are helping us live longer, healthier, and better livesPersonalize your health, wealth and well-being using technology best suited to help you plan and build up your assets for a multi-stage lifeUnderstand how we can live our best lives in a post-COVID-19 world and equip ourselves for the next pandemic using technologyBook Description Live Longer with AI examines how the latest cutting-edge developments are helping us to live longer, healthier and better too. It compels us to stop thinking that health is about treating disease and start regarding it as our greatest personal and societal asset to protect. The book discusses the impact that AI has on understanding the cellular basis of aging and how our genes are influenced by our environment – with the pandemic highlighting the interconnectedness of human and planetary health. Author Tina Woods, founder and CEO of Collider Health and Collider Science, and the co-founder of Longevity International, has curated a panel of deeply insightful interviews with some of today’s brightest and most innovative thought leaders at the crossroads of health, technology and society. Read what leading experts in health and technology are saying about the book: This is a handbook for the revolution! —Sir Muir Gray, Director, Optimal Ageing You can live longer and be happier if you make some changes – that is the theme of this book. Well-written and compelling. —Ben Page, CEO, Ipsos Mori Tina's book is a must-read for those who want to discover the future of health. —José Luis Cordeiro, Fellow, World Academy of Art & Science; Director, The Millennium Project; Vice Chair, Humanity Plus; Co-Author of The Death of Death About the consultant editor Melissa Ream is a leading health and care strategist in the UK, leveraging user-driven design and artificial intelligence to design systems and support people to live healthier, longer lives. What you will learnDiscover how AI is changing the way we understand the wider determinants of health, how the environment influences our genes and why the solutions for living longer are linked to living greenerInform your perspective on how technology can deal with the health emergency in front of us – by minimizing health and wealth inequalitiesLearn why our “life data” is so important and how sharing it will help us develop aging “bio-markers”, enabling us to predict and manage dementia and other chronic diseases of agingFind out how scientists and doctors are using AI to find a vaccine for Covid-19, make us more resilient to future pandemic threats and pre-empt the next outbreakWho this book is for Professionals and general readers with an interest in learning how technology can and is being used to change our approach to aging and help us live longer and healthier lives. No prior knowledge of or experience with artificial intelligence is required. |
| aged care financial advisors: The Disruptive Impact of FinTech on Retirement Systems Julie Agnew, Olivia S. Mitchell, 2019-09-06 Many people need help planning for retirement, saving, investing, and decumulating their assets, yet financial advice is often complex, potentially conflicted, and expensive. The advent of computerized financial advice offers huge promise to make accessible a more coherent approach to financial management, one that takes into account not only clients' financial assets but also human capital, home values, and retirement pensions. Robo-advisors, or automated on-line services that use computer algorithms to provide financial advice and manage customers' investment portfolios, have the potential to transform retirement systems and peoples' approach to retirement planning. This volume offers cutting-edge research and recommendations regarding the impact of financial technology, or FinTech, to disrupt retirement planning and retirement system design. |
| aged care financial advisors: J.K. Lasser Pro Advising Mature Clients Neal E. Cutler, 2002-12-16 FINANCIAL PLANNING FOR THE CHANGING NEEDS OF AN AGING SOCIETY Cutler has hit a financial literacy home run. He has done an outstanding job of educating the professional working with the mature market about the psychology and complexity of the Wealth Span and about the financial issues and products that figure prominently in executing a successful strategy for older clients and families. This book is about as comprehensive as you can get for understanding the nuances of financial planning for mature consumers. It is filled with information, insight, resources, and (thankfully!) humor! -John N. Migliaccio, PhD, President, Maturity Mark Services Co. Learning across disciplines will be the way of the future. Dr. Cutler is in the unique position to authoritatively discuss advising mature clients from both the gerontological and financial planning perspectives. This latest in the Lasser Pro Series is sure to be a must for anyone who wants to do holistic financial planning for older clients. -Kenn Beam Tacchino, JD, LLM, Professor of Taxation and Financial Planning, Widener University; Editor, Journal of Financial Service Professionals Dr. Cutler has written a cutting-edge guide for the myriad professionals who advise mature clients and adult children of older parents. His book is timely, much needed, and will undoubtedly become the definitive reference for practitioners and students of aging and the economics of aging. -Lois A. Vitt, PhD, Director, Institute for Socio-Financial Studies; Editor-in-Chief, Encyclopedia of Financial Gerontology Dr. Cutler has provided a valuable resource to those of us in the financial industry. He has provided clear, concise commentary on the issues facing our aging population with actionable suggestions for the financial advisor. I highly recommend it to my fellow professionals. -Kelly B. Auslander, CFP, President, American Financial Advisors, Inc. Please visit our Web site at www.jklasser.com |
| aged care financial advisors: Aging and Money Ronan M. Factora, 2014-09-09 Increasingly, we hear of more and more elders falling victim to financial exploitation. Although this form of elder abuse has been recognized for years, its incidence, prevalence, and impact on the common individual has been only more recently brought to the spotlight. Despite these circumstances, recognition of risk factors and indicators of financial exploitation are not widely disseminated. Additionally, once situations are identified and confronted, the knowledge of what to do next is lacking. These gaps are present within the medical community, law-enforcement, and the finance community – areas where opportunities for recognition and intervention are common. Our elders often have no idea of what to do when they see their own risk or when they fall victim. Aging and Money: Reducing Risk of Financial Exploitation and Protecting Financial Resources helps clinicians to integrate identification of such indicators of abuse into their geriatric assessment as well as guide them in performing an assessment of an individuals’ financial decision making capacity when appropriate. Aging and Money: Reducing Risk of Financial Exploitation and Protecting Financial Resources is an essential new text that provides the practicing clinician with information on identifying risk factors and clinical clues associated with financial exploitation and how to incorporate these steps into their practice. |
| aged care financial advisors: The Capitation Sourcebook Peter Boland, 1996 Here's a challenge to conventional wisdom that will change the way you think about capitation. This hands-on resource is a collection of articles detailing the most advanced methods used by leading healthcare operational experts on how to provide high-quality care at less cost; manage financial risk more efficiently; design operational, clinical and information systems to meet the needs of patients, practitioners and managed care organizations; structure financial incentives to promote successful collaborations and make the transition from fee-for-service to risk-sharing arrangements. You'll find practical examples of how to build the trust necessary to create win-win solutions to problems that arise between competing yet interdependent interests of the various stakeholders. Edited by Peter Boland, PhD, and based on a best practices approach, each of the articles in the book illustrate compensation methodologies that have been successfully implemented with the support of physicians and hospitals. |
| aged care financial advisors: Department of Defense Appropriations for 1996: Quality of life, senior enlisted advisors United States. Congress. House. Committee on Appropriations. Subcommittee on National Security, 1996 |
| aged care financial advisors: Take Charge! John Vinton, 1999-06 For people over the age of sixty, New York City is a cluttered attic-a mess of valuables that cannot be ignored, but that for the most part remains buried in jargon, agencies, regulations, and eligibility forms. New York City is, after all, a place that offers seniors everything from discount tickets for Broadway shows to social service agencies for those who speak foreign languages including Spanish, Cantonese or Tagalog. It is a place of endless benefits for those who can dig through the junk in the attic, organize what is there and still have the desire to leave the house. Take Charge! The Complete Guide to Senior Living in New York City is the first book to gather, in a single volume, information and advice for people over sixty who want to make the most of the city. Here at last is an all-inclusive guide that addresses every concern for senior New Yorkers, from entertainment and healthcare to housing and taxes. Take Charge! reaches beyond merely listing phone numbers and programs to giving advice on a number of areas, from choosing an HMO, a reverse mortgage, or an elder law attorney, to receiving travel discounts and negotiating home care. Containing everything a person over sixty needs to know to make the most of life in New York City, Take Charge! is the only comprehensive guide available for New York seniors and their families. |
| aged care financial advisors: Moving Forward on Your Own Kathleen M. Rehl, 2010-08 Your husband's death is possibly the most devastating event you've ever experienced. You may wonder, ôAm I going to be able to make it on my own?ö Maybe you feel overwhelmed and don't know what to do next. |
| aged care financial advisors: How to Protect Your Family's Assets from Devastating Nursing Home Costs K. Gabriel Heiser, 2006 Written by an elder law attorney with over 23 years experience, this book will help anyone with a family member faced with a long-term stay in a nursing home who wishes to preserve at least some of their assets by qualifying for the Medicaid program. You dont have to be broke to qualify! For the first time ever, the inside secrets of high-priced estate planning and elder law attorneys are revealed. Includes a summary of all income and asset rules for both married and single individuals, together with numerous examples and several case studies, which take the reader through the same thought processes that an experienced elder law attorney would go through when analyzing a real-life clients situation. The book includes tips on: how to title your home so you do not lose it to the state; how to make transfers to family members that wont disqualify you from Medicaid; how annuities make assets disappear; smart tricks for spending down your assets; what to change in your will to save thousands of dollars if your spouse ever needs nursing home care; avoiding the states reimbursement claim following the nursing home residents death; and much more. Completely up-to-date, the book includes the massive changes made by the Deficit Reduction Act of 2005 as well as the December 2006 Tax Relief and Health Care Act amendments. |
| aged care financial advisors: Reform , 2000 |
| aged care financial advisors: Title 43, Public lands to Title 50, War and national defense tables, popular names, and index United States, 1991 |
| aged care financial advisors: Avoiding the Ageing Parent Trap, Second Edition Brian Herd, 2024-07-03 “An invaluable guide.” Noel Whittaker, International bestselling author and finance writer “Informative, inspiring, insightful … this is the essential family guide to navigating elder care and preparing for ageing parents.’’ Winner of the 2021 Australasian Journal on Ageing (AJA) Book Award. Informative and insightful, this is the essential family guide to preparing for ageing parents. This is a book that forces us to confront what most of us avoid - planning for our ageing parents. Our natural inclination is to wait and see what might happen. But when it does happen or starts to unfold, most families are unprepared, and the results can be devastating. Poor decisions, disputes with siblings and partners and the destruction of relationships can be the aftermath. Author Brian Herd should know, recognised as one of Australia’s leading experts in the areas of elder law, and aged care for over 35 years, he has dealt with the fallout from these failures in families. Avoiding the Ageing Parent Trap is packed full of practical strategies for dealing with family dynamics and managing financial and legal affairs, the overriding goal, is to forewarn and forearm you about your family’s future. This book is your go-to resource for: • Information and practical case studies to support families in their legal, financial, and healthcare decision-making. • Easy to read and commonsense advice from a leading elder care lawyer, with hands-on experience and examples to demonstrate what to expect, and even better, how to plan and prepare. • Help navigating the best outcomes for aging parents, from estate planning to Centrelink, residential aged care, wills, and financial pitfalls to avoid. Brian outlines practical strategies for dealing with family dynamics and avoiding the pitfalls. He recounts numerous hair-raising examples of bad ‘family planning’ and even better, what to expect, and how to plan and prepare. |
| aged care financial advisors: Approaching Death Institute of Medicine, Committee on Care at the End of Life, 1997-10-16 When the end of life makes its inevitable appearance, people should be able to expect reliable, humane, and effective caregiving. Yet too many dying people suffer unnecessarily. While an overtreated dying is feared, untreated pain or emotional abandonment are equally frightening. Approaching Death reflects a wide-ranging effort to understand what we know about care at the end of life, what we have yet to learn, and what we know but do not adequately apply. It seeks to build understanding of what constitutes good care for the dying and offers recommendations to decisionmakers that address specific barriers to achieving good care. This volume offers a profile of when, where, and how Americans die. It examines the dimensions of caring at the end of life: Determining diagnosis and prognosis and communicating these to patient and family. Establishing clinical and personal goals. Matching physical, psychological, spiritual, and practical care strategies to the patient's values and circumstances. Approaching Death considers the dying experience in hospitals, nursing homes, and other settings and the role of interdisciplinary teams and managed care. It offers perspectives on quality measurement and improvement, the role of practice guidelines, cost concerns, and legal issues such as assisted suicide. The book proposes how health professionals can become better prepared to care well for those who are dying and to understand that these are not patients for whom nothing can be done. |
| aged care financial advisors: Insurance and Risk Management Strategies for Physicians and Advisors David Edward Marcinko, 2005 This book fulfills its promise as a peerless tool for physicians wanting to make good decisions about the risks they face. |
| aged care financial advisors: Aging with a Plan Sharona Hoffman, 2015-05-12 This book offers a concise, comprehensive resource for middle-aged readers who are facing the prospects of their own aging and of caring for elderly relatives—an often overwhelming task for which little in life prepares us. Everyone ages, and nearly everyone will also experience having to support aging relatives. Being prepared is the best way to handle this inevitable life stage. This book addresses a breadth of topics that are relevant to aging and caring for the elderly, analyzing each thoroughly and providing up-to-date, practical advice. It can serve as a concise and comprehensive resource read start-to-finish to plan for an individual's own old age or to anticipate the needs of aging relatives, or as a quick-reference guide on specific issues and topics as relevant to each reader's situation and needs. Using an interdisciplinary approach, Aging with a Plan: How a Little Thought Today Can Vastly Improve Your Tomorrow develops recommendations for building sustainable social, legal, medical, and financial support systems that can promote a good quality of life throughout the aging process. Chapters address critical topics such as retirement savings and expenses, residential settings, legal planning, the elderly and driving, long-term care, and end-of-life decisions. The author combines analysis of recent research on the challenges of aging with engaging anecdotes and personal observations. By following the recommendations in this book, readers in their 40s, 50s, and early 60s will greatly benefit from learning about the issues regarding aging in the 21st century—and from investing some effort in planning for their old age and that of their loved ones. |
| aged care financial advisors: Elder Abuse XinQi Dong, 2017-02-22 This book provides a global comprehensive and systematic state-of-the review of this field that fills the gaps between research, practice, and policy. The book addresses the epidemiology of the issue and the global prevalence of elder abuse in both developed and developing countries, which synthesizes the most up-to-date data about risk factors and protective factors associated with elder abuse and consequences of elder abuse; clinical assessment and management of elder abuse, including screening, detection, management of elder abuse, and the role of decision making capacity and forensic approaches; practice and services that describe adult protective services, legal justice, elder court systems, and guardianship system; elder abuse and culture, which provides more in-depth anthropological and ethnographic experiences; policy issues, which highlights the elder justice movement, GAO reports, elder justice act, older American act and elder justice coordinating council; and future directions, which explores translational research, practice, education/training and policy issues surrounding elder abuse. Elder Abuse: Research, Practice and Policy is a useful resource for aging researchers, social services, general internists, family medicine physicians, social workers, nurses, and legal professionals interested in the issues of elder abuse. |
| aged care financial advisors: Age Shock Robin Blackburn, 2012-01-02 Most countries face the future with an ageing population, yet most governments are cutting back on pensions and the care services needed by the elderly. Robin Blackburn exposes the perverse reasoning and special interests which have combined to produce this nonsensical state of affairs. This updated paperback edition of Age Shock includes a new preface explaining why the credit crunch and eurozone crisis have had such a devastating impact and outlining a way to guarantee decent pensions and care provision. |
| aged care financial advisors: Creative Retirement Planning Bernard Kelly, 2016-02-16 “Creative Retirement Planning” draws on Bernard Kelly’s 30 years of conversations with families who recognise that a man aged 65 has a probability of living to age 88, and a woman of the same age has a probability to reach age 91. Everyday concerns for the Four Pillars - Health, Family & Friends, Finances and a Zest for Living - are here interwoven into numerous stories containing wisdom and practical advice. You’ll journey along with his innovative discoveries about natural therapies, finding stimulation in later life, the advantages of moving to a college community, developing new friends and the mental and financial benefits of turning any hobby into a “profitable hobby”. You’ll share the author’s experiences of preparing for a successful retirement (whatever that means today) – including developing an urban farm on his suburban block – and how you can harvest all of that knowledge for yourself, whether you have already retired or are still in late career. |
| aged care financial advisors: The Routledge Handbook on Financial Social Work Christine Callahan, Jodi Jacobson Frey, Rachel Imboden, 2019-11-21 The Routledge Handbook on Financial Social Work explicates the financial needs, issues, and interventions within populations and theoretical approaches, and it assists clinician practitioners in intervening expertly and comprehensively. This book covers a range of issues in populations seeking services around complex financial needs and struggles, including those in the child welfare system; those with housing issues or facing homelessness; those coping with chronic and acute medical and psychiatric illnesses; those recovering from interpersonal violence; those facing recovery from incarceration; children and families involved in the child welfare system; and much more. In addition, policies will be woven in to inform the work. This book thoroughly explores research and evidence-based interventions around each population, and teaches clinicians to understand and treat financial distress holistically and empathically. This handbook will explain why understanding financial capability in these populations is so critical and how clinicians can step up their practices to meet those needs. Professionals from multiple disciplines ranging from financial therapists to social workers to financial coaches to financial planners will find this handbook eminently useful. |
| aged care financial advisors: Elder Law in Australia Rodney Lewis, 2012 Australia's population is ageing. In order for legal practitioners and other professionals such as financial advisors, accountants and healthcare workers to address the changing needs of their clients, it is essential that they have a solid grasp of the unique collection of legal issues that affect the elderly. Written in clear and accessible language, the text surveys a number of topics unique to the elderly including: mistreatment in aged care, elder abuse, discrimination, capacity to execute legal documents and challenges to wills and estates. This second edition has been updated to reflect recent changes to legislation and case law. It incorporates new commentary on intergenerational property transfer, statutory wills and the claims and entitlements of veterans. The sensitive issues of advance medical directives and termination of medical treatment are also explored. |
| aged care financial advisors: The Case Manager's Training Manual David W. Plocher, Patricia L. Metzger, 2001 Stem Cell and Bone Marrow Transplantation |
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