Podcasts about long term care

Register for Farnoosh's free webinar on How to Get a Book Deal.In this episode, Farnoosh opens with a candid reflection on media narratives around Iranian identity and addresses a recent editing glitch from a prior interview.From there, the conversation turns to a growing concern on many economists' minds: Are we heading toward a recession in 2026?With oil prices climbing past $100 per barrel and historical data linking energy shocks to economic downturns, Farnoosh breaks down what this could mean for your money—and how to prepare with what she calls a mindset of “healthy panic.”The episode also dives deep into the rising costs of long-term care, why traditional insurance options are becoming less accessible, and what newer hybrid solutions could offer families trying to plan ahead.Plus, a powerful excerpt from Senator Andy Kim, who shares his personal connection to elder care through his father's Alzheimer's diagnosis.Finally, Farnoosh answers listener questions about:Supporting aging parents while still saving for your own futureNavigating financial misalignment in relationships when one partner is giving more to family Hosted on Acast. See acast.com/privacy for more information.

Long‑term care is one of the most overlooked risks in retirement planning—and one of the most expensive. In this episode, Lucas Kalin breaks down why many families are unprepared for chronic conditions like Alzheimer’s and Parkinson’s, and why Medicare alone isn’t a solution. The discussion covers common misconceptions, the impact of asset spend‑down, and why delaying these conversations can limit future options. You’ll also hear why planning early matters, how long‑term care affects legacy goals, and the emotional toll that comes with navigating these decisions without a plan. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

Most families think long-term care is a nursing home problem.In reality, it's a financial problem that can slowly drain retirement accounts, investments, and even force the sale of family farmland. In this episode of the Farming Without the Bank Podcast, Mary Jo sits down with long-term care expert Michelle Prather, who brings nearly three decades of experience helping families understand how care is actually funded. They unpack the real costs of long-term care, why averages are misleading, and how many financial plans fail when care becomes necessary. If protecting the farm and maintaining financial control is important to your family, this conversation will change how you think about long-term care planning. Michelle shares why long-term care planning is about cash flow, not just assets, and how pulling money from retirement accounts to pay for care can create unexpected tax consequences. They also discuss how care really happens inside families — the emotional strain, financial pressure, and difficult decisions that arise when a parent needs help. You'll learn why working with a specialist matters, how modern long-term care policies actually function, and why proper planning gives families more options when the unexpected happens. Key Takeaways: • Why averages like "2–3 years in a nursing home" can be dangerously misleading • The real cost of in-home care, assisted living, and nursing facilities • How long-term care creates a cash-flow problem, not just an asset problem • Why retirement withdrawals for care can trigger higher taxes and Medicare costs • The emotional and financial strain caregiving places on families • The difference between limited benefit policies and lifetime coverage • How long-term care planning helps protect farms and generational wealth Chapters: 00:00 The hidden reality of elder fraud and family caregiving 00:52 Introduction to long-term care planning 02:24 Michelle Prather's 28-year career in long-term care 07:27 Why specialization in long-term care matters 11:46 The problem with most financial advisors selling LTC 14:10 A real story of a long-term care plan gone wrong 18:01 Why "averages" in long-term care are misleading 21:00 The real cost of care and retirement income pressure 26:59 Why paying for care from investments triggers taxes 30:39 Home care vs nursing home costs 35:22 Family conflict and caregiving realities 41:20 What long-term care policies actually pay for 46:15 Elder abuse, fraud, and insurance safeguards 48:30 The biggest differences between LTC policies 52:10 Why long-term care can destroy a financial plan

Long-term care is one of the biggest financial risks retirees face... yet it's rarely discussed until a crisis happens. In this podcast hosted by Nic Daniels, he explains what long-term care actually is, why it can be so expensive, and the common misconceptions surrounding who pays for it. Many retirees assume Medicare will cover these costs, but in reality most long-term care expenses must be paid out of pocket unless someone qualifies for Medicaid after depleting much of their assets. Nic walks through the different ways families approach this challenge, including self-funding care, traditional long-term care insurance, and newer hybrid strategies that combine life insurance with long-term care benefits. Plus, why timing matters when exploring insurance options and why many people wait until it's too late. Most importantly, this episode highlights the family and emotional considerations behind long-term care planning—because without a plan, the burden often falls on spouses or adult children.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Helping to Preserve the Family Legacy with Planning First Hollow Stem for Dual-Purpose Wheat Intensity in Estrus   00:01:05 – Helping to Preserve the Family Legacy with Planning: Roger McEowen, K-State and Washburn law professor, begins today's show as he explains what planning problem can cause issues with protecting the legacy of family farms. Preserving the Family Legacy Roger on AgManager.info   00:12:05 – First Hollow Stem for Dual-Purpose Wheat: K-State graduate students in the Department of Agronomy Luiz Pradella and Claire Bott continue the show as they discuss first hollow stem for wheat growers that use the crop as dual-purpose.  Optimal Time to Remove Cattle from Wheat Pastures: First Hollow Stem First Hollow Stem Update - 2/23/2026   00:23:05 – Intensity in Estrus: The Beef Cattle Institute's Cattle Chat podcast ends the show as Brad White, Bob Larson and Adrienne Lulay chat about estrus synchronization and its intensity.  BCI Cattle Chat Podcast Bovine Science with BCI Podcast Email BCI at bci@ksu.edu     Send comments, questions or requests for copies of past programs to ksrenews@ksu.edu.   Agriculture Today is a daily program featuring Kansas State University agricultural specialists and other experts examining ag issues facing Kansas and the nation. It is hosted by Shelby Varner and distributed to radio stations throughout Kansas and as a daily podcast.   K‑State Extension is a short name for the Kansas State University Cooperative Extension Service, a program designed to generate and distribute useful knowledge for the well‑being of Kansans. Supported by county, state, federal and private funds, the program has county Extension offices statewide. Its headquarters is on the K‑State campus in Manhattan. For more information, visit Extension.ksu.edu. K-State Extension is an equal opportunity provider and employer.

Hans and Robby are back again this week with a brand new episode! This week, they discuss long-term care benefits with relaxed health qualifications.  Don't forget to get your copy of "The Complete Cardinal Guide to Planning for and Living in Retirement" on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.

For any inquiries, please contact david@parallelfinancial.com ------------------------------------------------------------Long term care is often misunderstood, and this episode dives into what it really is and what it isn't. We break down the financial impacts it can have on both your life and your family's life. It's not just about planning for retirement; it's about managing risks that can come up later. We give you a mini masterclass on long term care, touching on different types of care options, costs, and how to prepare for potential needs. This is essential info that can make a big difference in your financial planning, so let's get right into it!Takeaways:Long term care is often misunderstood and can significantly impact financial planning.Understanding the differences between acute and chronic impairment is crucial for long term care decisions.Home care can be a preferred option for many, but costs can add up quickly.Choosing the right long term care insurance can protect your financial legacy for your family.Medicaid is a key resource for long term care but comes with strict eligibility requirements.Long term care planning should be an essential part of your overall financial strategy.Links referenced in this episode:weeklywealthpodcast.com/visiondavidarrottellofinancial.comCompanies mentioned in this episode:Certification for Long Term Care InstituteMedicaidParallel Financial

In this episode, Cassandra Vonnes, DNP, GNP-BC, APRN, AOCNP, CPHQ, FAHA, a Gerontological Nurse Practitioner, and member of the GAPNA Communication Team, talks with Leslie Beth Eber, MD, CMD,  the Medical Director for Rocky Mountain Senior Care, in Englewood, Colorado, and the current President-Elect of the Post-Acute and Long-Term Care Medical Association. Dr. Eber reflects on how her mother's legacy of advocacy and priorities shaped her own commitment to improving care for older adults. She discusses the key challenges facing the post-acute and long-term care sector, including workforce strain and the need for clearer priorities in a politically unsettled healthcare landscape. She also explores the trifecta of influence: value, meaning, and efficacy, and shares her vision for deeper collaboration between the Post-Acute and Long-Term Care Medical Association (PALTmed) and GAPNA.Leslie Beth Eber, MD, CMD, is the Medical Director for Rocky Mountain Senior Care, in Englewood, Colorado, and currently serves as the President-Elect of the Post-Acute and Long-Term Care Medical Association.Cassandra Vonnes, DNP, GNP-BC, APRN, AOCNP, CPHQ, FAHA, is the Nurses Improving Care for Healthsystem Elders (NICHE) Coordinator, Geriatric Oncology, at the Moffitt Cancer Center, in Tampa, Florida. She is a member of the Gerontological Advanced Practice Nurses Association Communication Team and is a host of the GAPNA Chat podcast series.Discover GAPNA: https://www.gapna.org/Production management by Anthony J. Jannetti, Inc., for the Gerontological Advanced Practice Nurses Association.Opening Music by:Optimistic / Inspirational by Mixaund | https://mixaund.bandcamp.com
Music promoted by https://www.free-stock-music.comClosing Music by:Scott Holmes.http://www.scottholmesmusic.com

In this episode of Kelley's Bull Market News, Kelley Slaught discusses the evolving landscape of retirement, emphasizing the importance of planning for longer lifespans and the financial implications of longevity. She explores the outdated 4% rule, the risks associated with sequence of returns, and the necessity of tax strategies for a sustainable retirement. The conversation also highlights the rising healthcare costs and the introduction of TrumpRx as a potential solution for prescription savings. Additionally, Kelley addresses the demographic shift known as Peak 65, where a significant number of Americans are reaching retirement age, and the implications for Social Security and personal financial planning. Listener questions provide further insights into practical financial strategies and the importance of personalized wealth management. Reach Kelley at 800-810-8060. California Wealth AdvisorsSee omnystudio.com/listener for privacy information.

This conversation delves into the multifaceted aspects of retirement planning, focusing on the emotional and social challenges retirees face with the big challenge being lonliness. Marty provides lifestyle advice to combat the lonliness. He also emphasizes the need for a holistic approach to retirement, addressing not only financial strategies but also the emotional well-being of retirees. The discussion includes practical advice on managing taxes, utilizing real estate effectively, and ensuring a comfortable lifestyle in retirement. Listener questions further enrich the dialogue, providing insights into common concerns regarding retirement income and legacy planning. Reach Marty at 888-519-9096. Smart Money SolutionsSee omnystudio.com/listener for privacy information.

Healthcare is an industry that provides critical services to our communities. It is vitalthat they are prepared to do that under less-than-ideal conditions—such as when adisaster strikes. In this podcast we explore what they can do to become betterprepared for any situation, large or small.Martin Green is an internationally recognized, award-winning Security ManagementProfessional with more than 45 years of diverse leadership experience in the field ofasset protection. He has specialized in healthcare security management since 1985.Throughout his career, Martin has provided security leadership to multiple healthcarefacilities across Ontario and has played a key role in designing security programs fororganizations across Canada. He is an organized and highly skilled security leaderwith deep expertise in security operations and management within Acute Care, Long-Term Care, and community healthcare environments.Martin has developed and implemented security programs and training materials thatare widely used in healthcare facilities across North America. He also co-developedthe standardized emergency colour-code system now adopted in healthcare facilitiesacross Canada.Martin has received numerous awards recognizing his contributions to the field,including the 2023 Canadian Security Magazine Lifetime Achievement Award, the2022 IFSEC Global Influencer in Security, the 2021 IAHSS Ontario ChapterLeadership Award, and the 2012 IAHSS President's Award.He is a Certified Healthcare Protection Administrator (CHPA) and served for manyyears on the International Association for Healthcare Security & Safety (IAHSS) Boardof Directors, including as President in 2017.Please visit our sponsors!L3Harris Technologies' BeOn PPT App. Learn more about this amazing product here: www.l3harris.com Visit The Readiness Lab and learn about our Next Level Emergency Management training! https://www.thereadinesslab.com/Impulse: Bleeding Control Kits by professionals for professionals: www.dobermanemg.com/impulseDoberman Emergency Management Group provides subject matter experts in planning and training: www.dobermanemg.comCheck out how you can use digital twins in your training, exercising, and planning using RSET https://rset.com/ For sponsorship requests, check out our Sponsorship Portfolio here or email us at contact@thereadinesslab.com

In this week's mailbag, Mark covers three decisions that can quietly shape your retirement outcome. From knowing when strategy matters more than DIY investing, to weighing the emotional and financial impact of paying off your home, to navigating rising long-term care premiums, these are real-world questions many families face. The common thread? Timing and structure matter more than impulse. Here's some of what we discuss in this episode:

This episode explores the Essential Caregivers Act of 2025 and the lessons learned from the COVID 19 visitation bans in long term care. Our discussion examines how isolation harms residents, why essential caregivers are irreplaceable, and how this legislation aims to protect resident rights during future emergencies. It's a conversation about dignity, safety, and ensuring that no one in long term care is ever left without the people who know and love them most. Guests: Irma Rappaport, National Advocate, Caregivers for Compromise, Connecticut Virtual Family Council; and Amy Badini, Connecticut Caregivers for Compromise, Essential Caregivers Coalition, Connecticut Virtual Family Council

Meet Lindsay Friedman, a four-time healthcare startup founder on a mission to solve real-world problems in caregiving and long-term care. From https://carebloom.com/ a breakthrough monitoring platform that gives families peace of mind 24/7 to https://www.ltcarenav.com/ w comprehensive care planning solutions, Lindsay has spent her career connecting families with the resources they desperately need. In this episode, she shares her entrepreneurial journey, what drives her passion for healthcare innovation, and how her ventures are reimagining the way we care for our aging loved ones. #HealthcareInnovation #StartupStories #Caregiving #LongTermCare #Entrepreneurship #FamilyCare #HealthTech #FounderStories #CarebloomApp #SeniorCare #MedicalTech #PeaceOfMind #HealthcareStartup #SolveRealProblems #MedicalInnovationPinkCloud9 Media is Video Podcaster have interviewed 500+ CEOs, Authors, Speakers, Coaches,Executives, Business Leaders & Professionals & looking to promote more for your Visibility, Authority & Evergreen Content to my 100,000+ audience reach since 2020. Topic is always Business & your specialization the subtopic. Also booking Speakers for online events globally. Book your Business Episode Host:Book your 15-30 minute Episode SPECIAL here:https://calendly.com/pinkcloud9media/actual-livestream-recordingPodmatch discount here:https://www.joinpodmatch.com/pinkcloud9mediaGet to know our Complimentary Community w an Exclusive Benefits optionhttps://www.patreon.com/c/PinkCloud9MediaLinkedin here:https://www.linkedin.com/in/pinkcloud9/https://www.youtube.com/@PinkCloud9MediaLinktree here: https://linktr.ee/PinkCloud9

What if the most powerful clinical tool in healthcare wasn't a drug, a device, or a data platform — but a word? In this episode of Experiencing Healthcare, Jamie and Matt have a conversation that starts with Disney World germs and ends with something that will change the way you lead your team tomorrow. They unpack the idea of Intentional Positive Reinforcement — not the hollow "great job" you throw over your shoulder in the hallway, but the kind of deliberate, meaningful recognition that creates a ripple effect all the way to the patient's bedside. Matt shares what a dental hygienist taught him about doing things right, why a pair of clicking heels in a nursing home hallway was actually a leadership strategy, and what happens to a healthcare team that only ever hears what they're doing wrong. This is a conversation for the bedside nurse and the C-suite executive. For the credentialing specialist who never sees a patient and the clinical coordinator who sees dozens. Because in healthcare, everyone plays a role in the patient experience — and the way we lead people determines the care those people deliver. If you've ever wondered whether your words are adding to your team or subtracting from them, this episode is your answer.

I remember being a kid in Swift Current being glued to the television when the Kinsmen Telemiracle fundraiser was on across the province. I would get my parents' permission to call and make a donation to the fundraiser and then wait for hours for my name to slowly crawl across the bottom of the screen. It was such a big deal to see my name on television, even it lasted for just a few seconds and was quickly followed by someone else donating from Moose Jaw, Enfold or Frontier.  Telemiracle is woven into the fabric of our province. For the past 50 years, people have picked up their phones and made a donation that would help someone in medical need purchase a piece of equipment or receive financial support that would help them get the care they need. We did an episode in Season Six highlighting Telemiracle's work and taking listeners behind the scenes to discover the work it takes to run the fundraiser, and it's definitely worth a listen.  Telemiracle turns 50 this weekend and it is pulling out all the stops to mark this milestone. One of the many talented hosts is someone who I have looked up ever since I first saw him on MuchMusic. That would be George Stroumboulopoulos. I first met George in 2011 at a taping of his CBC Television show, The Hour. It was a quick chat after his show and I was struck by his kindness and how he listened patiently to my questions after taping the show. I remained a fan over the years as he did all the things on television, radio and social media, and it was a thrill to meet him again last October when he spoke at Saskatoon's MemoFest.  In fact, George came to Sherbrooke Community Centre, where I am the Communications Leader, for a tour of our long-term care home. It was an amazing afternoon as he met a host of residents and staff and listened to how our organization has worked hard for decades to provide residents with full and abundant life. George also took a lot of photos with residents, staff and even some of our animals! The picture for this episode is of George sitting by Sherbrooke's Aviary. The birds loved him!  Flash forward a few months, and I reached out to George via Instagram when I saw he was in Saskatoon for Telemiracle. I wished him luck and told him how lucky we were to have him back in the city. He wrote back and said, "you gonna have me on the podcast? Haha." Ahhh...yes!  17 hours later, I met George at his hotel and we sat down for a conversation about how he became involved with Kinsmen Telemiracle and why this provincial fundraiser struck a chord with him. It is always a privilege speaking with George because he is in the moment with you...he listens...and I think that's something all of us could do a better job of these days, myself included!  I hope you enjoy our conversation, and a big thank you to George for taking time out of his insanely busy schedule to speak with me on the podcast. Best of luck on the fundraiser this weekend, George, and safe travels home. Enjoy that diner meal in the desert!  Cheers...Eric  Host, Producer, Editor: Eric AndersonTheme Music: Andrew DicksonWebsite: https://www.yxeunderground.comRecorded: On Treaty 6 Territory and the traditional homeland of the Metis

Sue Graham-Nutter, CEO of The Rekai Centres, and her entire team are hard at work developing a new long-term care home in downtown Toronto, the Cherry Place Campus of Care. The heart of this new Campus is innovation, and the collective input from the community and their partners. While leading this major construction project, Sue reaffirmed the value of relationships with organizations such as HIROC, the Ministry of Long-Term Care, the City of Toronto, and many others. We hear about The Rekai Centres' Rainbow Wing and how it's addressing the need for community for 2SLGBTQI+ seniors.  Sue also weaves in stories of her family and friends and reminds us to listen to our inner Little Engine That Could – to believe in ourselves when things get tough.  Quotables: "Just because there isn't an existing program, doesn't mean you can't put together a proper business plan and achieve your goal. But there has to be a business plan with everyone's goals realized."– S.G.N "I think it's also important that people keep on top of the news, not just one news source but multiple news sources, so one has a full perspective on what's going on in the world around them and the opportunities to make a difference in society." – S.G.N "Input can come from anywhere when you're building something and trying to be innovative." – S.G.N "We didn't know HIROC pre-COVID, but HIROC was there for us when we were moving our insurance operationally and we wanted to make sure we had an insurance company that could protect the corporation if there was another pandemic… So, I think it's really the relationships that are so key."  – S.G.N "It's good to see everyone pulling together to support our seniors who built this country for us." – S.G.N "… Insurance is very important operationally, but also during construction because construction is not for the faint of heart. So, it's good to have a partner in insurance who is there when you have a question, when you wonder – what do I do here?" – S.G.N "I was fortunate to have a family that provided me with that confidence, so now in the workforce I try to provide the confidence and support to people that I think can do more than they think they might be able to." – S.G.N Mentioned in this Episode: Barbara Michalik Brian Pollard Building Ontario Fund Catherine Gaulton City of Toronto Dr. Paul Rekai Harvard University  HIROC HIROC's Strategic Plan – The Art of Safety  Humber Polytechnic  Hon. Natalia Kusendova-Bashta Infrastructure Ontario Real Estate  Lester Braithwait Ministry of Long-Term Care Peter Bethlenfalv Peter Rekai The Rekai Centres Taylor Swift Toronto Metropolitan University University of Toronto Access More Interviews with Healthcare Leaders at HIROC.com/podcast Follow us on LinkedIn and Instagram, and listen on Apple Podcasts, Spotify, or wherever you get your favourite podcasts. Email us at Communications@HIROC.com.

Mary Ellen Garrett and Patsy Townsend, The Garrett Group at Merrill Lynch, on Retirement Planning, Estate Strategy, and Long-Term Care (North Fulton Business Radio, Episode 940) On this episode of North Fulton Business Radio, host John Ray welcomes Mary Ellen Garrett and Patsy Townsend of The Garrett Group at Merrill Lynch. Mary Ellen, in her 41st […]

https://ltcrfp.com/book-appointmentChoosing the right LTC pharmacy affects costs and care quality. Learn how an RFP process helps nursing homes negotiate better contracts and cut expenses. LTCRFP City: Vestal Address: 117 Rano Blvd Website: https://ltcrfp.com Email: assist@ltcrfp.com

"A lot of women feel as though this is 'my role, this is my job, and if I have to ask for help, there's something wrong with me.' It doesn't mean failure. It just means that you're taking care of yourself as well as your loved ones." - Laura Lynn Morrissey Our hosts, Stephanie McCullough and Kevin Gaines, sit down with Laura Lynn Morrissey, founder of Silver Savvy. She brings a unique perspective, combining two decades at Fidelity Investments with hands-on experience building and selling home care companies in Boston! Laura Lynn's journey into senior care began while simultaneously climbing the corporate ladder and serving as a caregiver for her mother since age seven. Through both experiences, she learned the magic of putting clients first and treating aging individuals with dignity. She discovered that many professionals would direct conversations to family members while ignoring the person actually receiving care. That's a dynamic she intentionally reversed in her own practice. The centerpiece of her work is life care planning, a comprehensive approach treating the aging process as thoughtfully as planning a wedding or college education. This framework examines seven key areas: purposeful living, lifelong learning, social connections, healthcare planning, financial confidence, exercise routines, and home safety. Most homes aren't built for aging, and simple issues like losing ankle mobility can cascade into dangerous falls. She also talks long-term care insurance, revealing surprising complexities most policyholders don't understand. The elimination period (essentially a deductible) requires paying out-of-pocket for 30-120 days before benefits begin. It's a shock to many families expecting immediate coverage. Laura Lynn stresses the importance of honest assessments, noting that proud individuals often minimize their limitations during evaluations, potentially jeopardizing their claims. With physician shortages looming and assisted living facilities facing two-to-three-year waitlists, Laura Lynn advocates for proactive planning before emergencies strike. Her advocacy services include filing claims, coordinating with doctors, preparing clients for assessments, and writing follow-up letters clarifying what proud individuals might downplay during evaluations.   Key Topics: ●      Lessons from Caregiving and Home Care Business (6:11) ●      What is Life Care Planning? (10:18) ●      Aging in Place: Exercise and Home Safety (15:04) ●      Assisted Living Realities and Wait Lists (18:12) ●      Long-Term Care Insurance Misconceptions (29:09) ●      Understanding the Elimination Period (32:29) ●      Benefit Triggers and Activities of Daily Living (43:12) ●      The Assessment Process and Advocacy Role (45:01) ●      Appealing Denied Claims (51:47)   Resources: Laura Lynn Morrissey in LinkedIn SilverSavvy Website   If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today! Retirement isn’t just about saving, it’s about turning what you’ve built into income that lasts. In this episode, Nolan Baker, the President of America's Retirement Headquarters, unpacks the core strategies retirees face as they move from accumulation to distribution, with a clear focus on dependable income, market behavior, and real-world planning considerations. The conversation explores different income sources retirees may rely on, how market movement can affect those strategies, and why managing risk matters throughout retirement. The hosts also address an often-overlooked reality: planning for long-term care and caregiving, and how those conversations fit into a broader retirement plan. Along the way, they highlight educational opportunities and upcoming events designed to help listeners better understand these issues. This discussion centers on practical awareness, informed decision-making, and the importance of having a plan that adapts as life changes. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030 Learn More: ARHQ.comSee omnystudio.com/listener for privacy information.

What if shopping for medical equipment felt empowering instead of depressing? Caregiving is hard enough. Getting the right equipment should not be. In this episode, Hosts Susie Singer Carter and Don Priess talk with Erica Sell, founder of Harmony Home Medical in San Diego, about how the right equipment can help families keep loved ones at home longer, safer, and with more independence.Erica breaks down what Medicare typically covers (and what it does not), how reimbursement can work, and why the system often forces families to wait until a crisis. They also explore practical home solutions like high-low adjustable beds that still feel like home, safer bathing options, lift chairs, mobility devices, ramps, and monitoring tools that protect privacy.Plus, a moving story about how one piece of equipment gave a man his community back.Support the showNo Country For Old People; a Nursing Home Exposé is STREAMING NOW on Amazon Prime (https://www.amazon.com/gp/video/detail/B0F7D1RR5X/ref=atv_dp_share_cu_r) Visit the No Country For Old People Website for more information. Please watch. Review. Share. Be a ROAR-ior!! JOIN THE R.O.A.R. MOVEMENT (Respect, Oversight, Advocacy, Reform) for quality long term care! Visit the ROAR 4 LTC Website for more information.Follow us on Twitter, FB, IG, & TiK Tok

When One Parent Plans Ahead for Care — and the Other Doesn'tIn this thoughtful conversation, Betsy Wurzel speaks with Suzanne Scheer, J.D., Certified Long-Term Care® specialist, about how personal caregiving experiences shaped her passion for helping families prepare for the future. Suzanne explains when to consider long-term care insurance, what it covers, and why early planning can ease emotional and financial stress.The discussion also explores disability insurance, caregiving challenges, and essential planning steps such as updating wills, creating medical directives, and assigning power of attorney.Thank you for being part of Passionate World Talk Radio Network. Please follow, share, and help us continue meaningful conversations that support and inform our community. ❤️Become a supporter of this podcast: https://www.spreaker.com/podcast/chatting-with-betsy--4211847/support.

What happens to your pets if you're suddenly unable to care for them? For Childfree people with animal companions, this isn't just about planning for after you're gone. It's about having a solid plan for emergencies, temporary disability, and ensuring your pets get the care they need when you can't provide it.Bri Conn, CFP® and Dr. Jay Zigmont, CFP® tackle pet protection planning, from 155-pound English Mastiffs with special dietary needs to orange cats with attitude problems. They break down the difference between temporary care (you're in the hospital for three days) and permanent arrangements (you pass away), the legal reality that pets are considered property, how pet trusts work differently than wills, and Childfree Trust®'s 24/7 emergency response system that activates care plans the moment someone is hospitalized.Key Takeaways:Temporary vs permanent care requires different plans: Emergency disability needs immediate pet care with existing sitters or facilities. Permanent arrangements require identifying long-term guardians willing to take animals with special needs, plus backup options like specialized shelters.Pet trusts protect animals beyond wills: Pet trusts ensure trustees oversee that guardians actually spend funds on your pet's benefit.Care documents enable emergency response: Document feeding schedules, medical conditions, allergies, medications, veterinarian contacts, and house access information so caregivers know exactly what your pet needs.The 3 C's framework: Caretaker, Communication, Critical information: Who takes responsibility, how they're reached in emergencies, and everything they need to know about food, medicine, behavior, and routines.Professional support fills the family gap: Childfree Trust®'s 24/7 emergency response activates care plans immediately when clients are hospitalized.Mentioned in this episode:Protecting pets emergency checklist - Download it hereStart your estate planning here - www.ChildfreeTrust.comEpisode Hosts:Bri Conn, CFP® -  Customer Experience Manager at Childfree Trust®. Bri has multiple backup caretakers lined up for her dog and maintains a detailed "doggy resume" with all care information readily accessibleDr. Jay Zigmont, CFP® - Founder & CEO of Childfree Wealth®, Childfree Trust®, & Childfree Insights. Jay's 155-pound English Mastiff has extensive special needs and a precise 5:00 PM dinner schedule, making detailed care planning essential.About Childfree InsightsChildfree Insights is the trusted education hub for people who are Childfree or permanently childless. It provides guidance on finances, estate planning, relationships, and life decisions for adults without children. Home of Childfree Wealth and Childfree Trust, supporting long-term planning for people living without kids.Connect with Us:Ready to design your ideal Childfree life? Connect with our financial planning team at childfreewealth.com or learn more about estate planning at childfreetrust.comJoin the conversation on social media:Instagram: https://www.instagram.com/childfreeinsightsFacebook: https://www.facebook.com/ChildfreeInsights/LinkedIn: https://www.linkedin.com/company/childfreeinsightsYouTube: https://www.youtube.com/@ChildfreeInsightsDisclaimer: This podcast is for educational & entertainment purposes. Please consult your advisor before i

This week on the podcast, AgingIN CEO Susan Ryan is joined by Susie Singer Carter, a filmmaker, advocate, and caregiver, who shares her deeply personal journey into caregiving—and how it transformed her life, her work, and her mission. Inspired by her mother's 16-year battle with Alzheimer's disease, Susie recounts moving from "caregiver by surprise" to outspoken advocate for systemic reform in long-term care. Her mother, Norma Pecora, a former opera singer and art dealer, wasdiagnosed at age 72. Norma lived with Susie for a year following the death of her husband—an experience that was both profoundly challenging and unexpectedly beautiful. That journey ultimately led to Susie's award-winning documentary, "No Country for Old People," which exposes the harsh realities of institutional long-term care, including chronic understaffing, neglect, and a lack of transparency and accountability. The film has since become a catalyst for national conversation and action. Susie also discusses how her advocacy grew from grief, leading to the creation of the ROAR movement—a growing effort to raise public awareness, empower families, and push for legislative change to protect older adults and other vulnerable people in care settings. This episode is a powerful exploration of love, loss, rage, resilience, and the urgent need to reimagine how we value and care for older people. Watch the film HERE on Amazon Prime.

Extended Benefits Adviser, author of "Emapthy and Understanding in Business," and host of the "Planning with Purpose" podcast, Raymond Lavine shares his insights for choosing a policy for long term care plan insurance. Read more about Raymond at https://raymondlavineofficial.com/

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Willie Jolley. SUMMARY OF THE INTERVIEW In this energetic and motivational conversation, Hall of Fame speaker Dr. Willie Jolley joins Rushion McDonald on Money Making Conversations Masterclass to discuss his new book, “Rich Is Good, Wealthy Is Better.” The interview covers the difference between being rich and being wealthy, the mindsets required for long-term financial growth, and how individuals—no matter their background—can build generational wealth. Jolley also emphasizes discipline, humility, planning, multiple streams of income, overcoming setbacks, and the importance of insurance and protection of assets. PURPOSE OF THE INTERVIEW The interview aims to: 1. Introduce and promote Dr. Jolley’s new book “Rich Is Good, Wealthy Is Better” and the teachings within it. 2. Educate listeners on the distinction between rich and wealthy Jolley wants audiences to understand wealth in generational, not short-term, terms. 3. Motivate individuals to shift their financial mindset From “working money” to “mailbox money.” 4. Empower entrepreneurs and families To adopt discipline, drop pride, and create multigenerational financial systems. 5. Share Jolley’s personal setback‑to‑success story To reinforce that anyone can grow wealth with the right principles. KEY TAKEAWAYS 1. Rich vs. Wealthy Being rich = high income, often tied to active labor (e.g., athlete contracts). Being wealthy = passive income, ownership, generational sustainability. A rich football player earns millions; the team owner earns billions and doesn’t have to “run up and down the field.” 2. The Five Money Mindsets Jolley explains five financial mindsets: One‑day mindset – living day to day. 30‑day mindset – fixed incomes/check-to-check living. One‑year mindset – annual thinking (raises, annual income). Decade mindset – typical for entertainers/athletes with multi‑year contracts. Generational mindset (Wealth Mindset) – building wealth to last multiple generations. Jolley’s goal: move people up just one level at a time. 3. Five Types of Wealth Jolley breaks wealth into five categories: Financial Wealth Health Wealth (“A sick person has one dream; a healthy person has a thousand.” – Les Brown) Relationship Wealth Reputational Wealth (Brand) Intellectual Capital Wealth (What you know and can charge for) 4. Discipline Is the Key Wealth requires: Living below your means Investing the difference Consistency Avoiding arrogance and ignorance 5. Pride Is an Enemy of Wealth Pride leads people to overspend to keep up appearances.Jolley argues that pride “kills wealth” and must be replaced with planning and humility. 6. The Three Legs of Wealth To build sustainable wealth, you need: Income Investment (letting money work for you) Insurance (life, health, car, disability, long-term care) 7. Multiple Streams of Income Jolley urges everyone to build at least two streams of income from: Stocks Bonds Real estate Crypto Collectibles Jewelry Art Content creation 8. Overcoming Setbacks Jolley details his own journey from unemployed nightclub singer to globally recognized motivational speaker.He reinforces that a setback is a setup for a comeback—the core message of his earlier bestselling book. 9. It’s Never Too Late to Start He cites examples of: A secretary who retired with $8M by investing small amounts over time Invested $12,000 at age 65 and grew it to $890,000 by age 72 NOTABLE QUOTES FROM THE INTERVIEW On Time & Opportunity “I have only just a minute… but it’s up to me to use it.” On Mindset “Wealth starts in your mind.” On Rich vs. Wealthy “Regular folks work for their money. Wealthy people make their money work for them.” On Pride “My pride was killing my wealth.” On Growth & Learning “If you’re willing to learn, no one can stop you.” [On Setbacks “A setback is a setup for your greater comeback.” On Starting Late “When is the best time to plant a tree? Eighty years ago. The second-best time? Today.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Willie Jolley. SUMMARY OF THE INTERVIEW In this energetic and motivational conversation, Hall of Fame speaker Dr. Willie Jolley joins Rushion McDonald on Money Making Conversations Masterclass to discuss his new book, “Rich Is Good, Wealthy Is Better.” The interview covers the difference between being rich and being wealthy, the mindsets required for long-term financial growth, and how individuals—no matter their background—can build generational wealth. Jolley also emphasizes discipline, humility, planning, multiple streams of income, overcoming setbacks, and the importance of insurance and protection of assets. PURPOSE OF THE INTERVIEW The interview aims to: 1. Introduce and promote Dr. Jolley’s new book “Rich Is Good, Wealthy Is Better” and the teachings within it. 2. Educate listeners on the distinction between rich and wealthy Jolley wants audiences to understand wealth in generational, not short-term, terms. 3. Motivate individuals to shift their financial mindset From “working money” to “mailbox money.” 4. Empower entrepreneurs and families To adopt discipline, drop pride, and create multigenerational financial systems. 5. Share Jolley’s personal setback‑to‑success story To reinforce that anyone can grow wealth with the right principles. KEY TAKEAWAYS 1. Rich vs. Wealthy Being rich = high income, often tied to active labor (e.g., athlete contracts). Being wealthy = passive income, ownership, generational sustainability. A rich football player earns millions; the team owner earns billions and doesn’t have to “run up and down the field.” 2. The Five Money Mindsets Jolley explains five financial mindsets: One‑day mindset – living day to day. 30‑day mindset – fixed incomes/check-to-check living. One‑year mindset – annual thinking (raises, annual income). Decade mindset – typical for entertainers/athletes with multi‑year contracts. Generational mindset (Wealth Mindset) – building wealth to last multiple generations. Jolley’s goal: move people up just one level at a time. 3. Five Types of Wealth Jolley breaks wealth into five categories: Financial Wealth Health Wealth (“A sick person has one dream; a healthy person has a thousand.” – Les Brown) Relationship Wealth Reputational Wealth (Brand) Intellectual Capital Wealth (What you know and can charge for) 4. Discipline Is the Key Wealth requires: Living below your means Investing the difference Consistency Avoiding arrogance and ignorance 5. Pride Is an Enemy of Wealth Pride leads people to overspend to keep up appearances.Jolley argues that pride “kills wealth” and must be replaced with planning and humility. 6. The Three Legs of Wealth To build sustainable wealth, you need: Income Investment (letting money work for you) Insurance (life, health, car, disability, long-term care) 7. Multiple Streams of Income Jolley urges everyone to build at least two streams of income from: Stocks Bonds Real estate Crypto Collectibles Jewelry Art Content creation 8. Overcoming Setbacks Jolley details his own journey from unemployed nightclub singer to globally recognized motivational speaker.He reinforces that a setback is a setup for a comeback—the core message of his earlier bestselling book. 9. It’s Never Too Late to Start He cites examples of: A secretary who retired with $8M by investing small amounts over time Invested $12,000 at age 65 and grew it to $890,000 by age 72 NOTABLE QUOTES FROM THE INTERVIEW On Time & Opportunity “I have only just a minute… but it’s up to me to use it.” On Mindset “Wealth starts in your mind.” On Rich vs. Wealthy “Regular folks work for their money. Wealthy people make their money work for them.” On Pride “My pride was killing my wealth.” On Growth & Learning “If you’re willing to learn, no one can stop you.” [On Setbacks “A setback is a setup for your greater comeback.” On Starting Late “When is the best time to plant a tree? Eighty years ago. The second-best time? Today.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Willie Jolley. SUMMARY OF THE INTERVIEW In this energetic and motivational conversation, Hall of Fame speaker Dr. Willie Jolley joins Rushion McDonald on Money Making Conversations Masterclass to discuss his new book, “Rich Is Good, Wealthy Is Better.” The interview covers the difference between being rich and being wealthy, the mindsets required for long-term financial growth, and how individuals—no matter their background—can build generational wealth. Jolley also emphasizes discipline, humility, planning, multiple streams of income, overcoming setbacks, and the importance of insurance and protection of assets. PURPOSE OF THE INTERVIEW The interview aims to: 1. Introduce and promote Dr. Jolley’s new book “Rich Is Good, Wealthy Is Better” and the teachings within it. 2. Educate listeners on the distinction between rich and wealthy Jolley wants audiences to understand wealth in generational, not short-term, terms. 3. Motivate individuals to shift their financial mindset From “working money” to “mailbox money.” 4. Empower entrepreneurs and families To adopt discipline, drop pride, and create multigenerational financial systems. 5. Share Jolley’s personal setback‑to‑success story To reinforce that anyone can grow wealth with the right principles. KEY TAKEAWAYS 1. Rich vs. Wealthy Being rich = high income, often tied to active labor (e.g., athlete contracts). Being wealthy = passive income, ownership, generational sustainability. A rich football player earns millions; the team owner earns billions and doesn’t have to “run up and down the field.” 2. The Five Money Mindsets Jolley explains five financial mindsets: One‑day mindset – living day to day. 30‑day mindset – fixed incomes/check-to-check living. One‑year mindset – annual thinking (raises, annual income). Decade mindset – typical for entertainers/athletes with multi‑year contracts. Generational mindset (Wealth Mindset) – building wealth to last multiple generations. Jolley’s goal: move people up just one level at a time. 3. Five Types of Wealth Jolley breaks wealth into five categories: Financial Wealth Health Wealth (“A sick person has one dream; a healthy person has a thousand.” – Les Brown) Relationship Wealth Reputational Wealth (Brand) Intellectual Capital Wealth (What you know and can charge for) 4. Discipline Is the Key Wealth requires: Living below your means Investing the difference Consistency Avoiding arrogance and ignorance 5. Pride Is an Enemy of Wealth Pride leads people to overspend to keep up appearances.Jolley argues that pride “kills wealth” and must be replaced with planning and humility. 6. The Three Legs of Wealth To build sustainable wealth, you need: Income Investment (letting money work for you) Insurance (life, health, car, disability, long-term care) 7. Multiple Streams of Income Jolley urges everyone to build at least two streams of income from: Stocks Bonds Real estate Crypto Collectibles Jewelry Art Content creation 8. Overcoming Setbacks Jolley details his own journey from unemployed nightclub singer to globally recognized motivational speaker.He reinforces that a setback is a setup for a comeback—the core message of his earlier bestselling book. 9. It’s Never Too Late to Start He cites examples of: A secretary who retired with $8M by investing small amounts over time Invested $12,000 at age 65 and grew it to $890,000 by age 72 NOTABLE QUOTES FROM THE INTERVIEW On Time & Opportunity “I have only just a minute… but it’s up to me to use it.” On Mindset “Wealth starts in your mind.” On Rich vs. Wealthy “Regular folks work for their money. Wealthy people make their money work for them.” On Pride “My pride was killing my wealth.” On Growth & Learning “If you’re willing to learn, no one can stop you.” [On Setbacks “A setback is a setup for your greater comeback.” On Starting Late “When is the best time to plant a tree? Eighty years ago. The second-best time? Today.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Learn about money dealbreakers in dating, then how to plan ahead for assisted living and Medicaid costs. First, hosts Sean Pyles and Elizabeth Ayoola dig into a new dating dealbreakers study with NerdWallet spokesperson and credit card writer Sara Rathner. They unpack why “financial infidelity” can feel like a relationship ender, what people are most likely to hide, and how to start money conversations earlier without turning the third date into an audit. They also share ways to talk about spending, expectations, and values so you can spot incompatibilities before big commitments. Then, personal finance Nerd Kate Ashford (a certified senior advisor) helps answer a listener's question about caring for an aging parent and budgeting for senior living. She discusses how assisted living costs can vary dramatically by location, what's typically included in base fees vs add-ons, and how “buy-in” communities like continuing care retirement communities (CCRCs) compare with standard monthly-pay models. They also walk through key planning moves if a future nursing home stay is possible, including what to know about Medicaid being state-run, where to start researching benefits, and how to prepare for the paperwork and timelines. 0:00 Who will care for you in old age? 0:52 Dating money dealbreakers: debt and financial lies 3:33 Why couples hide purchases and spending 5:59 Rebuilding trust after financial infidelity 8:14 Dealbreakers: tipping, splitting dates, savings 13:16 Talking money early: what's a red flag? 18:02 No-spend challenge: Brick and cash-only 20:35 Friction hacks to curb impulse spending 21:49 Listener question: budgeting for senior care 23:40 Assisted living costs and what drives prices 31:02 Monthly vs buy-in CCRCs and refund rules 33:34 How long care lasts: model best/worst cases 38:00 Medicaid basics: eligibility, look-back, who can help 40:21 Final tips for families planning senior living NerdWallet Survey: One in 10 Americans Would Never Date Someone with Credit Card Debt https://www.nerdwallet.com/finance/studies/data-undateable-debt  Cost of Long Term Care by State | Cost of Care Report | Carescout https://www.carescout.com/cost-of-care  Eldercare Locator https://eldercare.acl.gov/home  Medicaid.gov: The Official U.S. Government Site for Medicaid and CHIP Services | Medicaid https://www.medicaid.gov/  Medicaid Planning Assistance – Helping Americans obtain the Medicaid long term care they require https://www.medicaidplanningassistance.org/  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this last episode of our Planning for Single Retirees series, we tackle the part of retirement planning that matters most when you don't have a built-in safety net: what happens if you can't manage life or money on your own. Today, John is joined by estate planning attorney Lisa Shoalmire to walk through the real-world planning issues facing "senior orphans," including how to set up financial and medical decision-makers, what to do if you don't have a trusted family member, and how bank agency accounts and professional care managers can step in when needed. They also cover how isolation increases the risk of scams and exploitation, why consolidating accounts and simplifying your finances matters more as you age, and the estate planning details single retirees should get right now—from probate choices to charitable bequests and protections against bad actors. If you're single, widowed, divorced, or simply planning without a spouse you can rely on, this episode is about protecting your independence, your dignity, and your plan—before a crisis forces decisions for you. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

#ThisMorning | #LongTermCare Services for #Military #Veterans | Brian A. Kiernan, U.S. Department of Veterans Affairs | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

Most people assume Medicare will cover long-term care — until they discover, often too late, that it won't.In this episode of The Agent of Wealth, co-host John Williams sits down with Raymond Levine, founder of Lavine LTC Benefits, to unpack one of the most misunderstood areas of financial planning: long-term care. From defining what long-term care actually means to exploring where care is delivered, how it's paid for, and why planning ahead creates more control and dignity, this conversation cuts through common misconceptions.In this episode, you will learn:Long-term care is about caregiving, not healthcare.Care doesn't only happen in nursing homes.Medicare coverage is limited and often misunderstood.Planning ahead creates options — waiting removes them.Long-term care planning is about dignity and quality of life.And more!Resources:Episode Transcript & Blog | www.lavineltcins.com | 275-609-0001 | Raymond Lavine on Facebook | Raymond Lavine on LinkedIn | Bautis Financial: 8 Hillside Ave, Suite LL1 Montclair, New Jersey 07042 (862) 205-5000 | Schedule an Introductory CallWant to be a guest on The Agent of Wealth? Send Marc Bautis a message on PodMatch, here: https://tinyurl.com/mt4z6ywc

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today! What if the biggest retirement challenge in 2026 isn’t the market, but how you prepare for it?In this episode, Nolan Baker breaks down key strategies for navigating the shifting retirement landscape, focusing on ways to separate everyday lifestyle needs from market swings. Nolan will explore how risk management, healthcare considerations, and long‑term care planning shape a more durable approach to your later years. The conversation also highlights why tax awareness and thoughtful income planning matter as retirees face new rules, rising costs, and evolving financial pressures. It’s a grounded discussion designed to help listeners think clearly about the realities—and the opportunities- of retirement in 2026. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030 Learn More: ARHQ.comSee omnystudio.com/listener for privacy information.

Toni discusses Long Term Care and Short Term Care policies, and care for Veterans. Toni's new Medicare Survival Guide Advanced Edition book is available now - pick up your copy at www.tonisays.com Download your Free Guide: How Do I Enroll in Medicare? https://tonisays.com/free-download-how-to-enroll/ Remember - with Medicare it's what you don't know that will hurt you! There's so much good information in this podcast, please be sure to share this podcast with your friends! Recognized by feedspot.com as one of the best Medicare Podcasts in the nation! Write Toni - info@tonisays.com. Toni's book is available at www.seniorresource.com and https://tonisays.com You can call Toni at 832-519-8664 Toni welcomes all Medicare questions. Toni now offers informative Medicare Webinars for all of your Medicare needs at https://tonisays.com You can find Medicare Moments wherever you find your favorite podcasts, such as: Apple: https://apple.co/44MoguG Spotify: https://open.spotify.com/show/7c82BS4hb145GiVYfnIRsoAmazon Music: https://music.amazon.com/podcasts/884c1f46-9905-4b29-a97a-1a164c97546b/medicare-moments?refMarker=null You can find Medicare Moments at: https://podcasts.seniorresource.com/medicare-moments/ Toni's new book: Maze of Medicare is now available at www.tonisays.com Combining Scripture with Medicare, it is the only book of its kind. Toni's columns appear weekly in about 100 newspapers across America. If you would like Toni's column to appear in your local paper, or if you would like Toni to speak at an event - contact Toni King at 832-519-8664 Thank you for listening and be sure to tell your friends about Medicare Moments! Blessings! Toni KingSee omnystudio.com/listener for privacy information.

Is the era of manufacturing-led growth officially over? For decades, the path to a stable middle class was paved through industrialization, but today, even manufacturing giants like China are losing millions of factory jobs to automation.In this episode, Bethany McLean and Luigi Zingales sit down with Dani Rodrik, Ford Foundation Professor of International Political Economy at Harvard and author of Shared Prosperity in a Fractured World. Rodrik argues that we have "no other choice" but to look toward the service sector to anchor our future economy.But there's a problem: we still treat these essential roles as "bottom rung" jobs in terms of pay and respect. Is it possible to elevate a job's status and pay simply because society needs it to be better? As Rodrik argues, it's a future we must learn to navigate if we want to preserve a stable society. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you want to miss all the fun banter about Jim's Singo (song bingo) night and his trip to Kentucky and Amish country you can skip ahead to (16:00). Chris's SummaryJim and I are joined by Jacob Vonloh as we discuss investing for retirees, using a listener email as the starting point for a broader conversation about how investment advice and asset management work in practice. We explain why investing changes once people move from accumulation into distribution, including differences in risk tolerance, liquidity needs, and volatility. Jacob outlines how investment tools are evaluated based on time horizon and downside exposure rather than labels. We also discuss planning for aging and long-term care costs, including liquidity needs, inflation considerations, and the SEAL (Savings for Emergencies, Aging, and Long-Term Care) reserve framework. Jim's “Pithy” SummaryChris and I are joined by Jacob Vonloh as we start a new series of conversations inspired by listener emails, and we use those questions as a jumping-off point to talk about what really changes when you're investing in retirement. A lot of DIY investors successfully built wealth with an accumulation mindset and then try to carry that same approach into retirement, where it doesn't work. The problem is that accumulation investing and retirement investing are not the same thing, and pretending they are is where people get themselves into trouble. Once withdrawals begin, volatility feels different, timing matters more, and the emotional impact of market swings gets amplified in ways people don't expect. We spend time pulling apart how the investment advice industry presents itself, how fee structures are typically layered in, and why we're very intentional about separating retirement planning from asset management. Jacob walks through how we evaluate investments based on when the money might be needed and how much downside someone can realistically tolerate. Buffered ETFs come up in that context, not as a recommendation, but as a clean example of how downside protection and upside caps reshape risk. The point isn't the product — it's that comparing retirement-stage tools to a fully unbuffered equity index without adjusting for risk is fundamentally misleading. From there, we connect investing back to real planning issues retirees face, especially aging and long-term care. We talk about why insurance isn't always available or sufficient, how covering one spouse can still protect a household, and why the financially hardest stretch is often when both spouses are alive and care costs begin to show up. That leads into how we think about liquidity, inflation, and time horizon working together inside what we call the SEAL reserve. This isn't about chasing returns — it's about structuring money so it can actually support people through retirement without forcing panic decisions at the worst possible time. The post Investing for Retirees: EDU #2603 appeared first on The Retirement and IRA Show.

One of the most precious resources in dementia care are the stories we share. Today, we welcome back two deeply respected members of the Love Conquers Alz family for a conversation rooted in care, credibility, and shared purpose that has led to a major milestone:Marianne Sciucco, registered nurse, author, and  founding member of AlzAuthors, a groundbreaking global, rigorously vetted hub for Alzheimer's and dementia books, blogs, films, and podcasts, is passing the baton to senior care professional, writer Lance A. Slatton, host of the award-winning All Home Care Matters podcast and YouTube channel. , For over a decade, Marianne and the AlzAuthors team have thoughtfully spotlighted the most meaningful and reliable literature available for the Alzheimer's and dementia community. At a time when families are often overwhelmed by information, their careful curation created a trusted guidepost grounded in lived experience and compassion.Lance brings more than two decades of experience in senior care and continues to be a consistent, dependable voice, not only as a podcast host, but through his work as a Senior Case Manager with Enriched Life Home Care Services.What connects Marianne and Lance is presence. Both have remained steady voices in an ever-changing landscape, offering stringently curated, reliable resources to caregivers and families when clarity matters most.Join us as we celebrate a community that refuses to let its most valuable assets—truth, art, and love—fade into the noise. Subscribe, share with a caregiver who needs a lifeline, and tell us what resource you want to see next. Your voice shapes where this library goes from here.Support the showNo Country For Old People; a Nursing Home Exposé is STREAMING NOW on Amazon Prime (https://www.amazon.com/gp/video/detail/B0F7D1RR5X/ref=atv_dp_share_cu_r) Visit the No Country For Old People Website for more information. Please watch. Review. Share. Be a ROAR-ior!! JOIN THE R.O.A.R. MOVEMENT for quality long term care! Visit the ROAR 4 Long Term CareWebsite for more information.Follow us on Twitter, FB, IG, & TiK Tok

Susan is 65, recently widowed, and has saved $2.1 million for retirement.On paper, she's more than fine… but emotionally, she doesn't feel fine.After watching her husband pass away, Susan is ready to retire five years earlier than planned so she can enjoy her “go-go years” while she still has her health.But she's terrified of one thing:

Sherri Snelling, gerontologist, author and host of the “Caregiving Club On Air” podcast is kicking off the first episode of Season 6 with two great interviews. For this January episode we will focus on Financial Wellness Month with two guest expert interviews from Raymond James financial advisors: (7:50) Emily Treasure – Sr. Manager for Longevity Planning – Raymond James who will talk about the new role financial advisors are playing with clients for comprehensive family financial planning that includes caregiving and long-term care costs. Emily will also highlight a unique program Raymond James has that offers connections to a specially curated group of companies that help caregivers navigate care needs and services – part of the value advisors are adding to their client services (36:20) Margaret Starner – Founder & Managing Director of The Starner Group, part of Raymond James who will speak as a “super ager” who is still going strong in her 80s running her company and advising clients on longevity planning. Margaret will explain what challenges people face after 50 in planning for the next 50 years and how each decade brings new opportunities and decisions. Her secret? Margaret shares how she advises clients to plan for passion, purpose and lifelong learning For our podcast listeners who are familiar with our Caregiver Wellness News and Well Home Design News as well as what is happening in the workplace for employees who are also caregiving as part of the Sandwich Generation – we are moving those news segments to our new “Caregiving Club News” program on YouTube. You can catch all the same news, including the latest research news, resources and pop culture we have previously done on our podcast now on our news channel – and it's all free! All we ask is that you subscribe to us on YouTube as well so you get the bi-weekly news updates and all of our other education caregiving content. Thank you for making “Caregiving Club On Air” #3 on the list of top 80 caregiving podcasts! Learn more on our episode guide page on the Caregiving Club website: caregivingclub.com/podcast/ Take Care and Stay Well!

OIP's long-term care planning framework is a simple four-step process: Educate → Discover → Present Solutions → Execute. Scott and Bill emphasize that LTC (or “elder care/aging with dignity”) planning works best when it starts early and stays plan-first, not product-first—otherwise the conversation turns into a transaction. They also stress that “self-insuring” is still a plan, but many clients underestimate the non-financial consequences (family burden, caregiver strain, and messy dynamics) that show up when there's no proactive strategy.Evan explains how Waterlily makes these conversations easier and more personalized: a short client intake generates an individualized care timeline (likelihood, timing, duration, care hours, and zip-code-based costs) and helps clients visualize tradeoffs like family caregiving vs. paid professional care. The platform can also model funding approaches by importing policy PDFs (or illustrations) to simulate how benefits would actually pay during a client's predicted claim scenario, and it supports quoting/application workflows to reduce friction and improve execution. **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

Because we have so many new listeners, we decided to get back to the basics of long term care and LTC insurance. The best starting point is to learn current and future costs of home care, assisted living, and nursing home care. Use the cost of care website to find costs where you live at https://www.carescout.com/cost-of-care Once we understand the risk we're up against if we suffer from dementia, a stroke or a severe car accident (for example), we need to decide where we would want to live when help is needed to get through our days. We need to consider who we want to have helping us, and we need to decide how we're going to pay for this care. Listen and learn how different types of insurance plans decide when and how claims are approved or declined. Learn which kinds of plans can be tax deductible and which can be paid using HSA funds. Get your current policies and proposals out and schedule time with me to evaluate them and learn if they best meet your needs. Schedule a phone or Zoom meeting here

About the Guest(s):Amy Irvine is the CEO and founder of Rooted Planning Group, a renowned financial planning firm known for its genuine and practical approach to financial advice. With years of experience as a financial advisor, Amy is dedicated to making money conversations real and relatable, firmly rooted in her clients' goals. Her expertise in financial planning spans across various topics, including retirement and long-term care planning, caregiver coordination, and more. Additionally, she is the host of the popular "Money Roots" podcast, where she shares insights and engages in meaningful discussions about financial strategies and planning.Episode Summary:Welcome to an insightful episode of "Money Roots" with Amy Irvine. In this episode, Amy delves into the crucial topic of long-term care planning and aging parents, addressing the concerns and questions that often emerge during the holiday season. As families gather, many realize the evolving caregiving needs of their elderly parents, and Amy offers valuable guidance on planning for these eventualities.Amy references the book "Hidden Truths about Retirement and Long Term Care" to shed light on the misconceptions surrounding long-term care, emphasizing that it spans far beyond nursing homes. She explores alternatives like aging in place and assisted living, highlighting the importance of having a solid financial plan to cover these options. Amy also discusses how aging individuals often downplay their needs, sharing anecdotes that illustrate this tendency. Through stories and statistics, she underscores the significance of addressing both physical and mental well-being as families navigate the complexities of caring for aging loved ones.Key Takeaways:Long-term care is more than nursing homes: It includes a spectrum of services, from home health care to assisted living, aimed at maintaining an individual's independence and safety.Recognizing the signs of aging: Often the need for additional help becomes evident during family gatherings, making it essential to observe and address any caregiving requirements.Communication is key: Having open discussions with aging parents about their needs and introducing help, sometimes with outside assistance, can facilitate smoother transitions.Early planning eases future challenges: Documenting preferences and planning financially for long-term care can prevent future family disputes and emotional stress.Utilizing resources: Books, experts, and structured programs are available to guide families through caregiving decisions and planning.Notable Quotes:"Long term care is more than nursing home." - Amy Irvine"Basically, the same age as maybe even older than some of the people that were in there, and she refers to them as the old people." - Amy Irvine"We need to be thinking about their physical strength and their mental strength." - Amy Irvine"She had such a great relationship with the caregiver that we ended up bringing in." - Amy Irvine"We need to bring in outside influences to help them." - Amy...

Long-term care is becoming one of the biggest pressures families face. Rising costs, limited coverage, and an aging population represent challenges for which few retirees are prepared. On the next Faith & Finance Live, Rob West and Harlan Accola explain how home equity can help meet long-term care costs. Then, it’s onto your calls and questions. That’s Faith & Finance Live—where biblical wisdom meets today’s financial decisions—weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

Long-term care has quickly become one of the greatest financial and emotional pressures facing American families. Rising costs, longer life expectancy, and limited insurance coverage have created a situation few retirees are prepared for. On today's episode of Faith and Finance, Harlan Accola joins us to explore this issue. He leads the reverse mortgage team at Movement Mortgage and works closely with families navigating long-term care decisions.Accola describes long-term care as “the elephant in the room.” As Baby Boomers age and care needs rise, families are trying to balance support for aging parents with raising children and managing their own financial responsibilities. Many households avoid discussing care needs until a crisis forces difficult decisions.The numbers reveal why planning is essential. Studies estimate that between 50% and 70% of retirees will require some level of long-term care during their lives. Yet more than 90% of those individuals have not purchased long-term care insurance—and many assume Medicare will cover the cost of nursing or assisted living facilities. In reality, Medicare provides limited short-term rehabilitation benefits, while long-term care typically falls under Medicaid, which only applies once a person has depleted most of their financial assets.Costs vary widely by region, but nursing facilities can range from $80,000 to $120,000 per year, and in-home care providers may charge $30–$40 per hour. Just one or two years of intensive care can rapidly deplete savings intended to last decades in retirement.One of the most overlooked financial risks is the well-being of the surviving spouse. Accola notes that husbands often require extensive care first, and the assets used to pay for their care can leave their wives financially vulnerable after their passing. Without adequate planning, the surviving spouse may face an underfunded retirement and fewer choices for her own care needs.To address this gap, families are encouraged to expand their planning tools. One strategy Accola highlights is to tap housing wealth through reverse mortgages. Because many retirees have significant equity tied up in their homes, a reverse mortgage can unlock funds without requiring monthly payments. These tax-free dollars can be used to pay for in-home care, cover long-term care insurance premiums, or bridge the gap between retirement income and care costs. It also allows individuals to remain at home longer—often delaying or avoiding the need for costly facility care—and preserves retirement accounts for the surviving spouse.Accola emphasizes that reverse mortgages are not a universal solution, but they should be included in the suite of planning options that families evaluate, alongside insurance, savings strategies, and Medicaid planning. Far too many households ignore the issue entirely or assume Medicare will handle it.As long-term care needs continue to rise, proactive planning is no longer optional. Exploring the full range of financial tools available can reduce stress, protect surviving spouses, and provide dignity and stability during the later stages of life.On Today's Program, Rob Answers Listener Questions:I'm 66 and plan to retire at 70. I can take full Social Security at 66 and 10 months. Should I start benefits now while continuing to work full-time, or wait? If I take it now, should I place the funds in an IUL, an IBC strategy, or invest through my Edward Jones account?I've borrowed from my 401(k) several times over the past decade and paid myself interest. Since I hate paying interest on loans like auto loans, is borrowing from my 401(k) a better option than taking a regular loan? If an auto loan is at 5–6%, would it be better to borrow directly from the bank?If I make small extra payments each month on my mortgage and loan, is that roughly equivalent to making a single lump-sum principal payment each year, or does the timing make a difference?I have a question about IRA beneficiaries. If someone inherits an IRA, what would the tax implications be, and is there a better way to pass the money on than simply naming a beneficiary?My husband and I are 45 and 50, and we're considering a 1031 exchange on a property with about $250,000 in capital gains and $15,000 remaining on the mortgage. Should we move forward with the exchange, or would a different strategy make more sense?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Movement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Long-term care is expensive in the United States. With Medicaid spending cuts looming and the Trump administration's deportation plans threatening the caregiving workforce, the system is under even more pressure. On today's show, Allison Hoffman, health law expert at the University of Pennsylvania's Carey Law School, joins Kimberly to unpack why the caregiving industry suffers from chronic labor shortages and how the U.S. could finance long-term care differently to make it more affordable. Here's everything we talked about today:"What Role Do Immigrants Play in The Direct Long-Term Care Workforce?" from KFF"Trump's deportation plans threaten 400,000 direct care jobs: Older adults and people with disabilities could lose vital in-home support" from Economic Policy Institute "A brief history of Medicaid and America's long struggle to establish a health care safety net" from The Conversation "The age-old problem of long-term care" from MIT News "Solving the Home Care Quandary" from The New York TimesJoin us tomorrow for “Economics on Tap.” The YouTube livestream starts at 3:30 p.m. Pacific time, 6:30 p.m. Eastern.

Long-term care is expensive in the United States. With Medicaid spending cuts looming and the Trump administration's deportation plans threatening the caregiving workforce, the system is under even more pressure. On today's show, Allison Hoffman, health law expert at the University of Pennsylvania's Carey Law School, joins Kimberly to unpack why the caregiving industry suffers from chronic labor shortages and how the U.S. could finance long-term care differently to make it more affordable. Here's everything we talked about today:"What Role Do Immigrants Play in The Direct Long-Term Care Workforce?" from KFF"Trump's deportation plans threaten 400,000 direct care jobs: Older adults and people with disabilities could lose vital in-home support" from Economic Policy Institute "A brief history of Medicaid and America's long struggle to establish a health care safety net" from The Conversation "The age-old problem of long-term care" from MIT News "Solving the Home Care Quandary" from The New York TimesJoin us tomorrow for “Economics on Tap.” The YouTube livestream starts at 3:30 p.m. Pacific time, 6:30 p.m. Eastern.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAWSee omnystudio.com/listener for privacy information.