Senior Planner - Issue 10, June 2024

SeniorPlanner

YOUR RETIREMENT GUIDE TO YOUTHFUL LIVING

JUNE 2024

Selecting an attorney for estate and afterlife planning

By: Jasmin Kahlil

ESTATE AND AFTERLIFE PLANNING

are critical steps for seniors to ensure their wishes are honored and their loved ones are cared for after they are gone. Choosing the right attorney to guide you through this complex process can make all the difference. Here’s a detailed guide to help senior citizens select the best attorney for their estate and afterlife planning needs.

Estate planning involves creating legal documents that dictate how your assets will be managed and distributed upon your death. This includes wills, trusts, powers of attorney, and healthcare directives. Afterlife planning may also encompass funeral arrangements and legacy planning, such as leaving a lasting impact through charitable donations or other means.

When selecting an attorney, it’s crucial to choose one who specializes in estate planning. Look for attorneys who have a strong focus in this area and are up-to-date with the latest laws and strategies. Membership in professional organizations like the American Academy of Estate Planning Attorneys (AAEPA) or the National Academy of Elder Law Attorneys (NAELA) can be a good indicator of their specialization and commitment to this field.

Experience is a key factor in choosing an estate planning attorney. An attorney with several years of experience will likely have handled a variety of cases similar to yours and can provide valuable insights and solutions. You can check their background through local bar associations and online reviews. It’s also beneficial to ask for references from

previous clients to gauge their satisfaction and the outcomes of their cases.

Effective communication is essential when dealing with complex legal matters. During your initial consultation, assess the attorney’s communication style and ensure they explain legal terms in a manner that you understand. The attorney should be patient, approachable, and willing to answer all your questions. Compatibility is also important; you should feel comfortable discussing personal matters with your attorney.

Different attorneys may have different approaches to estate and afterlife planning. Some might focus on tax minimization, while others emphasize asset protection or long-term care planning. Discuss your specific goals and priorities with potential attorneys to see if their approach aligns with your needs. The attorney should

offer personalized services tailored to your situation rather than a generic solution.

Understanding the fee structure is crucial before making a decision. Attorneys may charge hourly rates, flat fees, or a percentage of the estate’s value. Make sure you are comfortable with their pricing and that there are no hidden costs. A transparent discussion about fees upfront can prevent misunderstandings later.

Verify the attorney’s credentials and professional standing. Ensure they are licensed to practice in your state and have no disciplinary actions against them. This information is typically available through the state bar association’s website. A reputable attorney should have a clean professional record and be in good standing with their peers.

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Life on the open road

The benefi ts of living in oregon for veterans with a lifetime plate

By: Rick Cramer

OREGON, KNOWN FOR ITS BREATHTAKING landscapes, diverse ecosystems, and welcoming communities, offers a unique and advantageous opportunity for veterans: the lifetime veteran plate. For those who have served our country, this one-time fee initiative not only symbolizes appreciation but also translates into significant financial savings, especially when applied to an RV. For senior citizen veterans, this benefit can transform retirement years into a golden era of adventure and comfort.

In Oregon, veterans can apply for a special license plate that carries a one-time fee, after which it is free for life. (see local DMV page for DD-214 requirements)This isn’t just a symbolic gesture; it’s a practical benefit that alleviates a recurring financial burden. For veterans who qualify, this plate is available for their primary vehicle, and with a bit of strategic thinking, it can be applied to an RV, opening up a world of possibilities.

RVs are synonymous with freedom and exploration, embodying the spirit of adventure. For senior veterans, an RV offers the flexibility to travel the country, visiting family, friends, and scenic destinations without the constraints of hotel reservations or flight schedules. The ability to live on the road, equipped with the comforts of home, becomes even more appealing when the cost of maintaining vehicle registration is significantly reduced.

Typically, RV registration can be a hefty annual expense, often ranging from $200 to $500 or more, depending on the size and type of the vehicle. By applying the lifetime veteran plate to an RV, veterans can save thousands of dollars over the years. This smart move turns the initial one-time fee into a long-term investment, freeing up funds for travel, maintenance, and enjoyment.

Oregon itself is a paradise for RV enthusiasts. The state

offers a wealth of natural beauty, from the rugged coastline of the Pacific Ocean to the serene forests and striking high deserts. Scenic byways, plentiful campgrounds, and a strong community of fellow travelers make Oregon an ideal base for those who love life on the road.

Senior veterans can take advantage of Oregon’s numerous state parks, many of which offer discounted rates for veterans and seniors. The Columbia River Gorge, Crater Lake, and the Oregon Dunes are just a few of the must-see destinations. Each location provides opportunities for hiking, fishing, and simply soaking in the majestic views, all while saving on accommodation costs thanks to the RV lifestyle.

Living in Oregon as a veteran also means being part of a supportive and appreciative community. The state is home to numerous veteran organizations and services designed to assist with health care, housing, and social activities. The combination of these services with the financial savings of the lifetime veteran plate creates a robust support system for veterans enjoying their retirement.

For senior citizen veterans, the decision to apply the lifetime veteran plate to an RV is a financially savvy choice that pays dividends over time. It embodies a blend of freedom, adventure, and financial prudence, allowing veterans to explore the open road without the ongoing worry of registration fees. Living in Oregon with the veteran plate offers a unique blend of economic, recreational, and community benefits. The ability to travel extensively and affordably enhances the quality of life for senior veterans, making their golden years truly golden. This one-time fee initiative not only honors their service but also opens the door to a fulfilling, adventurous, and financially secure retirement.

Medical Marijuana Tinctures

A new ally for senior citizens battling insomnia and stress

By: Leaf Barret

AS MORE STATES EMBRACE the benefits of medical marijuana, senior citizens are finding new hope in managing insomnia and stress through the use of marijuana tinctures. Legalized and available from trusted, licensed dispensaries, these tinctures offer a safe, effective alternative to traditional medications.

For many seniors, insomnia is a nightly struggle, impacting their overall health and well-being. Traditional sleep aids often come with undesirable side effects, such as grogginess or dependency. Medical marijuana tinctures, however, present a natural solution. Tinctures, which are liquid extracts of marijuana, can be taken sublingually (under the tongue) for quick absorption and long-lasting effects. Many seniors report that these tinctures help them fall asleep faster and enjoy a more restful night’s sleep without the hangover effect associated with many prescription sleep medications.

In addition to combating insomnia, marijuana tinctures are proving effective in managing stress and anxiety. The cannabinoids in marijuana interact with the

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Personal recommendations from friends, family members, or financial advisors can be invaluable. Hearing about someone’s firsthand experience with an attorney can provide insights that you might not get from online reviews or advertisements. These recommendations can help narrow down your choices to attorneys who have proven their reliability and competence.

Estate planning is not a one-time event; it should be revisited periodically as your circumstances change. Choose an attorney who is willing to build a long-term relationship and provide ongoing advice and updates to your plan as needed. Regular reviews and updates ensure that your estate plan remains relevant and effective.

Afterlife planning can include detailed instructions for funeral arrangements, memorial services, and even how you wish to be

body’s endocannabinoid system, which plays a key role in regulating mood and stress levels. For seniors dealing with chronic stress, a few drops of tincture can provide a sense of calm and relaxation, improving their overall quality of life.

It’s crucial for seniors to purchase medical marijuana tinctures from licensed dispensaries. These dispensaries ensure that products are tested for purity and potency, providing peace of mind that what you’re taking is both safe and effective. Licensed dispensaries also offer professional guidance on dosage and strain selection, helping seniors find the right tincture to meet their specific needs.

The legalization of medical marijuana has paved the way for more research and acceptance of its benefits. For seniors, this means access to a natural, effective option for managing insomnia and stress, improving their overall health and well-being. As awareness grows, more and more seniors are discovering the benefits of incorporating marijuana tinctures into their health regimen.

remembered. Discuss these aspects with your attorney to ensure that your wishes are clearly documented and legally binding. This can relieve your loved ones from making difficult decisions during a time of grief.

Selecting the right attorney for estate and afterlife planning is a critical step for senior citizens. By focusing on specialization, experience, communication, approach, fees, credentials, and personal recommendations, seniors can find a trusted advisor to guide them through this important process. Taking the time to choose the right attorney will provide peace of mind and ensure that your wishes are honored, and your loved ones are cared for. For further assistance, local bar associations, online resources, and community organizations can provide additional guidance and support.

www.grantspassmag.com

Discover Quality, Affordable Care with Team Senior –100% Free Assistance for You!

ASSISTED LIVING AND CAREGIVING HAVE EVOLVED, but not always for the better. Many companies are profiting significantly while the quality of care often stagnates or declines. This is a growing concern as the demand for long-term care among older adults strains our economy, with working adults sacrificing time and money to care for loved ones.

In 2021, the average hourly rate for a caregiver was $25. Today, it has soared to over $45, with agencies struggling to retain employees. Caregivers, the heart of these services, often receive a small fraction of what clients pay, exacerbating the problem.

This situation also impacts the mental health of middle-aged adults who juggle the needs of their children, aging parents, and careers. It’s a challenging balance, but there is help available.

At Team Senior, we know how to find affordable, reliable care. Often, we can secure services at half the cost you might be paying, with significantly better quality. Let us share our expertise with you.

Statistics show that at least 70% of people aged 65 today will require some form of care. Many will struggle to afford it. This is where Team Senior excels. We bring the most value by offering free consultations in a place where you feel comfortable and secure, often in your own home. We can discuss financial aids and options, including little-known loopholes in the Department of Human Services and VA programs. If you are in the hospital or rehab, we will meet you and your family there. We know how to assist in obtaining quality, affordable care and

can identify who is genuinely providing good care – not just sending out inexperienced caregivers.

While encouraging youth to become caregivers is important, we ensure they are matched appropriately to patients. Our goal is to provide the right caregiver for each individual, not just the available one.

Team Senior knows nearly every care-related company in Southern Oregon, from caregiving agencies to memory care facilities. Our value lies in sharing our extensive knowledge of who is doing it right. Our services are 100% FREE to you.

Even if you are not ready to make a move or hire a caregiver, we can help you explore your options. Don’t make decisions without proper guidance. Call us first. Let us share what’s really happening inside that beautiful assisted living facility that impressed you with a great meal. Sometimes, the reality behind the scenes is very different.

Quality caregivers and staff, supported by competent management and owners, are crucial. We know which companies can deliver on their promises and are happy to share that information with you.

Team Senior played a pivotal role in writing the original legislation in Oregon regulating the long-term care referral industry. We did this to protect you!

Lean on us as your biggest advocate. Our services are completely free! Visit us at www.teamsenior.org or call (541) 295-8230.

“At the Grants Pass Gospel Rescue Mission, we are bound to proclaim Jesus Christ to the homeless and needy of Josephine County in a spirit of care by assisting with clothing, spiritual counseling, education, food, healthcare and shelter. We accomplish all this with an attitude of commitment.”

Navigating gun ownership for seniors amidst gun control debates

By: James Justice

IN TODAY’S TUMULTUOUS CLIMATE

surrounding gun control, senior citizens in Southern Oregon must navigate a complex landscape if they consider owning or purchasing a firearm for home protection. Here’s what seniors need to know to make informed decisions while ensuring their safety and compliance with the law.

Understanding Legal Requirements

Firstly, it’s essential for seniors to be aware of the legal requirements for owning and carrying a firearm in Oregon. The state mandates background checks for all firearm purchases, including private sales. Seniors should also familiarize themselves with the specifics of concealed carry laws and the process for obtaining a concealed handgun license (CHL), which includes a safety course and a background check (AgingInPlace.org) (GunSafetyTrainingPro.com).

Selecting the Right Firearm

access, particularly from children or visitors. Keeping firearms unloaded and locked away when not in use can prevent accidents and ensure compliance with Oregon’s storage laws (AgingInPlace.org) (Guns.com).

540 SW Foundry St. Grants Pass, OR 97526

Choosing an appropriate firearm is crucial, especially for seniors who may face physical limitations. Factors such as hand strength, dexterity, and eyesight should influence the choice of weapon. Semi-automatic pistols, while popular, can be difficult to operate due to the need to rack the slide. Revolvers, particularly models with a lightweight frame and manageable recoil, are often recommended for their simplicity and reliability. The Smith & Wesson M&P Shield EZ, known for its easy-torack slide and ergonomic design, is an excellent option for older adults (GunSafetyTrainingPro. com) (American Gun Association).

Importance of Training

Proper training is paramount for safe and effective gun use. Seniors should enroll in firearm safety courses that cover basic handling, shooting techniques, and maintenance. These courses often provide practical experience that helps build confidence. Regular practice at a shooting range is also essential to maintain proficiency. Local ranges and clubs in Southern Oregon frequently offer training sessions tailored for senior citizens, ensuring they can practice in a supportive environment (AgingInPlace.org) (American Gun Association).

Safe Storage Practices

Safe storage of firearms is a critical aspect of responsible gun ownership. Seniors should invest in secure storage solutions such as gun safes or lockboxes to prevent unauthorized

Assessing Mental and Physical Health

Seniors must consider their mental and physical health when deciding to own a firearm. Conditions like dementia, depression, or severe arthritis can impair the ability to safely handle a gun. It’s important to regularly evaluate one’s physical and cognitive abilities and involve family members in these discussions to ensure responsible gun ownership. Regular health check-ups can help in assessing whether owning a firearm remains a safe option (GunSafetyTrainingPro.com).

Customizing Firearms for Comfort

Several modifications can make firearms more comfortable and easier to use for seniors. Ergonomic grips, recoil pads, and bright sights can enhance control and accuracy. Lightweight holsters and extended magazine releases can reduce physical strain and make handling firearms more manageable. Seniors should explore these options to find what best suits their needs and preferences (American Gun Association).

Staying Informed and Connected

Finally, seniors should stay informed about changes in gun laws and community safety issues. Joining local gun clubs or online forums can provide valuable resources and support. Engaging with a community of responsible gun owners can help seniors stay updated and share experiences and tips.

Compassionate care for every patient

By: Molly Miller BUSINESS SPOTLIGHT:

SOUTHERN OREGON ORTHOPEDICS is a cornerstone of high-quality, accessible, and cost-effective orthopedic care. With a commitment to treating each patient with respect and compassion, this esteemed practice has been serving the residents of Southern Oregon and Northern California since 1970.

For over five decades, Southern Oregon Orthopedics has provided unparalleled orthopedic surgical care to communities in Medford, Ashland, Grants Pass, Klamath Falls, and Northern California’s Yreka and Crescent City. Their team of highly skilled physicians perform thousands of operations annually, addressing a wide range of conditions affecting the spine, shoulders, knees, feet, ankles, hips, wrists, and hands. Their expertise includes arthroscopic surgery, complex spine surgery, hand and wrist surgery, as well as hip, knee, and shoulder reconstruction and replacement surgeries.

Arthritis, the leading cause of work disability in the United States, affects over 54 million adults. At Southern Oregon Orthopedics, joint specialists are dedicated to providing relief from chronic joint pain caused by arthritis. They offer comprehensive diagnostic testing and treatments, including injection therapy, minimally invasive joint repair, and replacement surgeries. Postsurgical rehabilitation is also available to enhance recovery and improve quality of life. To learn more about their arthritis services, patients can call their Medford or Grants Pass offices or schedule an appointment online.

The shoulder is the body’s most flexible and complex joint, making it susceptible to a variety of issues. At Southern Oregon Orthopedics, board-certified orthopedic surgeons provide both

RECIPES RECIPE

surgical and non-surgical treatments for shoulder problems. Whether it’s due to years of wear and tear or sudden injury, their team is equipped to restore function and alleviate pain in this critical joint.

Severe joint pain can significantly impact daily life, and when other treatments fail, total joint surgery might be the best option. Southern Oregon Orthopedics offers total joint surgery for patients experiencing severe joint pain. Their orthopedic specialists in Medford and Grants Pass use state-ofthe-art techniques to ensure the best possible outcomes. Patients interested in learning if they are candidates for total joint surgery can call to book an appointment or use the convenient online scheduling tool.

Chronic knee pain can be debilitating, but Southern Oregon Orthopedics provides hope through comprehensive diagnostic services and personalized treatment plans. The practice offers minimally invasive knee surgeries, including MAKOplasty®, a cutting-edge procedure for repairing or replacing severely damaged knee joints. Their focus is on relieving pain and restoring mobility to improve patients’ overall quality of life.

Southern Oregon Orthopedics stands out for its dedication to improving the lives of its patients through advanced orthopedic care. Whether you are dealing with arthritis, shoulder issues, severe joint pain, or chronic knee problems, their team of specialists is ready to help you achieve better health and mobility. With a legacy of excellence and a compassionate approach, Southern Oregon Orthopedics is your trusted partner in orthopedic health.

Sponsored by

Fresh Caught Fish & Shrimp Ceviche

INGREDIENTS:

• 1 lb fresh fish fillets (such as snapper or halibut), cut into small cubes

• 1/2 lb fresh shrimp, peeled, deveined, and cut into small pieces

• 1 cup fresh lime juice (about 8-10 limes)

• 1 cup fresh lemon juice (about 4-5 lemons)

• 1 large red onion, finely chopped

• 1 jalapeño, finely chopped (remove seeds for less heat)

• 2 large tomatoes, finely chopped

• 1 cup chopped fresh cilantro

• 1 avocado, diced

• Salt and pepper to taste

• Tortilla chips or tostadas for serving

INSTRUCTIONS:

Gluten-Free Pacific Northwest Marionberry Cake

For those of you with restrictive diets, or those that simply just prefer to cut gluten we have a delectable solution! Indulge in the vibrant flavors of the Pacific Northwest with our Gluten-Free Marionberry Cake recipe. Bursting with the sweet essence of locally harvested Marionberries, this delightful treat is not only a celebration of the region’s iconic fruit but also a gluten-free delight for those with dietary preferences. Crafted with a tender gluten-free batter and generously studded with plump Marionberries, each bite of this cake offers a taste of the lush landscapes and bountiful orchards of the Pacific Northwest. Follow along as we guide you through creating a moist, flavorful cake crowned with a homemade Marionberry sauce – a dessert that embodies the essence of the region while accommodating a gluten-free lifestyle.

• 1 teaspoon baking powder

• ½ teaspoon baking soda

1) Marinate the Seafood: In a large glass bowl, combine the fish and shrimp with the lime and lemon juice. Ensure the seafood is fully submerged. Cover the bowl and refrigerate for about 30-60 minutes, until the fish and shrimp are opaque and “cooked” by the citrus juices.

• ½ teaspoon salt

• ½ cup unsalted butter, softened

2) Prepare the Vegetables: While the seafood is marinating, chop the red onion, jalapeño, tomatoes, cilantro, and avocado. 3) Mix It All Together: Once the seafood is ready, drain off about half of the marinating juice. Add the chopped vegetables and cilantro to the bowl, and gently mix everything together. Season with salt and pepper to taste. 4) Serve: Garnish the ceviche with diced avocado just before serving. Enjoy it with crispy tortilla chips or on top of tostadas for a refreshing and flavorful summer dish.

• 1 cup granulated sugar

• 2 large eggs

• 1 teaspoon vanilla extract

• 1 cup buttermilk

• 1½ cups fresh or frozen Marionberries (if using frozen, thaw and drain excess liquid)