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Get the family caregiving help you need with resources in New Hampshire. The AARP Family Caregiver Resource Guide for New Hampshire helps family caregivers access key programs, services and agencies in their community.

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To order a copy of the guide, call the AARP Family Caregiving Resource Line at 877-333-5885 and request the AARP Family Caregiver Resource Guide for New Hampshire. Or view it online at aarp.org/CaregiverResources.

LEARN MORE /aarpnh @aarpnh @aarpnh

BIG LIFE CHANGES... Retirement Divorce Loss of a spouse Inheritance DESERVE THOUGHTFUL FINANCIAL PLANNING

Your Future, Our Focus. Joshua I. Houle CFP© MPAS©, APMA©, AWMA© Wealth Manager

603-352-0222

Securities and advisory services are offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.

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josh.houle@lpl.com 143 West St., Keene, NH www.houlewealth.com

contents inside

FILE PHOTOS

Hop on the bus, join a group tour ...... Page 5

Active Aging

Inheriting money for retirement ....... Page 10

It’s about more than just saving....... Page 12

Monitor Publishing, PO Box 1177 Concord, N.H. 03302-1177 Advertising: ads@cmonitor.com Editorial: features@cmonitor.com

Alzheimer ’s & dementia research ... Page 14 CFI Program...................................... Page 20

Concord Monitor

MONADNOCK LEDGER-TRANSCRIPT PO Box 36, Peterborough NH 03458 Advertising information: 924-7172, ads@ledgertranscript.com

Senior Strength program ................. Page 22 Key questions ..................................... Page 25

STAFF Publishers: Heather McKernan, hmckernan@ledgertranscript.com, and Steve Leone, sleone@cmonitor.com

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Hop on the bus and join a group tour By KELLY COOKE

raveling is a great way to explore, learn, and enjoy life – but planning a vacation can be daunting. It can be challenging to navigate all of the options, and it can leave you scouring the internet for days, weeks or even months! The good news is that it doesn’t need to be that hard! Choosing a group tour can take the stress out of travel. IT’S EASY – you make your reservation, pack your bags and are ready to go! The old-school mentality that group tours are for “old” people is passé – the new group traveler is looking for fun, adventure, and traveling companions that make the trip enjoyable – without all of the hassle. Times are changing, and companies that are keeping up are crafting tours that meet the needs of the modern group traveler. Just because you want to be able to sit back, relax, and leave the driving to someone else doesn’t mean that it needs to be boring! Traveling keeps you active

and can leave you feeling refreshed and recharged. Plus, traveling on a group tour can open the door to new friendships. Whether you want to experience a Broadway show, take a scenic or cultural regional trip or if you are looking for a bucket-list adventure, the possibilities are endless! In order to choose the right tour for you, it is important to learn more about the differences between the various companies and the tours that they offer. If you are hesitant to “hop on the bus”, it may be a good idea to test the waters with a day trip to a nearby destination. It is a great way to learn more about a local tour company, meet other travelers, and get a sense of what it is like to travel on a group tour without committing to a longer tour. If you aren’t sure which company to choose, just remember that not all tours are created equal. Today’s group travelers are more active, more adventurous and savvier when it comes to travel. There are a lot of

differences between tour companies, and it is important to choose the one that is right for you. When choosing a trip, comfort matters. So does pacing. A wellplanned outing should feel enjoyable, not rushed. It should leave enough time to take in the scenery, enjoy the company of your fellow travelers, and appreciate the moment. That kind of thoughtful travel can be especially rewarding as we get older. Another thing to consider is that the brochure price isn’t always a clear picture of the overall cost or value of the trip. How many meals are included? Are all of the activities and admissions to attractions included, or will you be digging into your pocket every time you hop off the bus? Take a close look at what is included in the price of the tour – at the end of the day, a lower price on the brochure doesn’t always mean lower cost to you. There is also a difference between budget tours and higher-end tour offerings – learn more about the ac-

commodations, inclusions, and pace before deciding which is best for you. Key takeaways: Choose a company that matches your travel style and feels like a trip that you would plan yourself. Are the hotels the style and location that you would choose? Will you be up at dawn and busy all day, or taking a more leisurely approach? Are you looking for a budget-conscious option, a luxury travel experience, or something in between? And most importantly: know the difference between price, overall cost, and value. At the end of the day, traveling is a very personal experience. A group tour can be a great option for you – where after you take that “first step” and get on the bus, you are in for a fun-filled adventure – so HOP ON THE BUS! You won’t regret it! Kelly Cooke is the owner of Terrapin Tours, loves traveling and has 30 years of experience in the travel industry. Learn more at TerrapinTours.com or by calling 603-3487141.

603.524.4300 | Laconia, NH www.wilkinsonbeane.com NE-494172

Locally & Family Owned For Over 160 Years

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Caring For Your 603 Family Is Our Family Business.

Do I really need a will? By L. PHILLIPS RUNYON FOR THE LEDGER-TRANSCRIPT

eople who say this often do so because they feel they don’t have much in the way of assets and figure a will is just a needless expense. Consider these factors before you make that decision, however. Without a will, the state will decide who receives even your car and your modest bank account. And it won’t be your best friend or the local charitable organizations you’ve always supported. Instead, if you don’t have any close family members, it may be a nephew or second cousin you haven’t seen in years and never liked even then. If your best friend is a loyal pet, its fate won’t be decided by you, but perhaps by the local animal shelter doing the best it can. A will could at least designate someone to take over and you could use your modest assets to provide for the best care you can afford. And let’s say you’ve got some

relative’s home where they’ll be passed on responsibly. If you have young children but no will, you won’t be able to designate where you want them to live and with whom. You may love your favorite sibling, but perhaps his high-rise Manhattan lifestyle isn’t what you really have in mind for your children’s upbringing. A will could name a preferable guardian — even good friends — who live where your little guys will have the best childhood experiences. And there won’t be others they don’t even know trying to make that decision for you. And if you have somewhat more FILE PHOTO than you think you do, you may L. Phillips Runyon III not want those children to receive even modest distributions from unassuming family heirlooms that you when they reach 18, the legal age of majority, even though they may not be worth serious money may still be in high school. After but should be preserved for posall, it takes some financial maturity terity — and you wouldn’t want them just sold at a yard sale. A will to decide whether opening investing for college or a home could specify those items and make sure they end up in the right versus investing in a flashy car is

Where caring is a way of life At Scott-Farrar, we proudly carry forward our 117 year tradition of caring for local seniors of the Monadnock Region.

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the best choice at that point. OK, so maybe you’re a little better informed now and see the value of at least a simple will; but you’re busy and you’ll get around to it as soon as you can. Remember this: None of us have an unlimited amount of time and it may be less than we think. Even Abraham Lincoln thought he’d make it home from the theatre that night — and he was a lawyer who wrote lots of wills in his time. Just not for himself. Soon we’ll be making more of those annual New Year’s resolutions, the ones we make every year but never quite accomplish. How about crossing a will off the list early and concentrating instead on that 5 pounds you keep promising to lose? You’ll be better off all the way around! L. Phillips Runyon III has practiced law in Peterborough for 50 years and was the presiding justice of the 8th Circuit Court for 27 years.

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Laboe & Tasker, pllc is known for its experience and achievement in the area of Medicaid eligibility and difficult probate administration.

6 Loudon Road, Suite 502 Concord, NH 03301-5321 NE-415643

Phone: 603.224.8700 Fax: 603.225.5223 Laboelaw.com

Your CBD Store Celebrates 7 years in Business.

It really is incredible to think about where we started 7 years ago. On our first day of business I think we only had about 10 different products to offer with limited sizes and strengths. Fast forward 7 years later and we can now offer over 50 different products in multiple strengths and sizes for Pain, Anxiety, Sleep & Focus as well as a variety of other ailments. Through the development of different products and applications SunMed has always kept Safety and High Quality as their number 1 priority. It truly has been an amazing journey for Laurie and I. We have developed many friendships along the way, many of which started the first year in business. What is really satisfying is that the business is really now growing “Organically” (no pun intended) Smith laughs. We are seeing new customers come in everyday from our regular customers telling their Family, Friends, Neighbors, & coworkers to stop in and try some CBD. We are so grateful for

all our customers and the support they have shown us, we never take them for granted. We love educating our new customers on the potential benefits of CBD and how it works in our bodies. We also enjoy addressing any myths or misconceptions that they might have about CBD. When we first opened in 2019 CBD was just starting to become a possible alternative to prescription drugs we found that there was a lot of misinformation out there so we had our work cut out for us on educating the public, while at the same time earning there trust through not only education but also “No Pressure” approach. We have always made it our priority to treat each customer as if they are family. We have learned that when you take the time to educate and answer questions along with treating customers with Kindness, Patience and Respect the sales will automatically fall into place. The last thing we want to do is add to a persons stress or anxiety and make them feel pressured to make a purchase. We also feel that it is very important for our customers to realize that not all CBD is the same, there is a ton of variation in Quality and effectiveness.

We have not raised prices on any of our products since opening our doors, in some cases we have lowered prices as well as developing customer programs to keep the products affordable. We have something for every budget from starter packs to lower strengths we try to help as many customers as possible regardless of their budget. As a first time customer you can expect to be greeted with a smile and a warm welcome. We will introduce the SunMed brand and briefly explain what makes us different. Next we will offer education on the Endocannabinoid system, this can take 3-5 minutes or as long as a customer may like. We love answering questions!! Next we are all ears in listening to what you’re experiencing and for a lot of our customers this in it self is comforting… to just be listened to. On many occasions a tissue and a hug is needed and happily provided. We’ve had 23 year olds fighting severe anxiety

The product is not intended to prevent, treat, diagnose or cure any condition or disease and has not been tested or approved by the FDA.

If a customer decides to make a purchase we write everything down as far as dosage and verbally go over it with them. We will usually do a follow up call within 4-5 days to check in to see how they are doing. We have found that a little empathy goes a long way. So much of our daily purchases are done with a click of a button with no real human interaction Just a hope & a prayer that it works with no one to answer questions or hold accountable. Smith Admits with a smile… The most gratifying part of our job is seeing that “new Customer” walk back through our door with a huge smile to share with us how much better they are doing which sometimes requires another tissue and a hug.

Rick & Laurie invite you to stop in Tuesday thru Saturday 10-6 for free education and samples.

Your CBD Store Concord 603-715-1153 211 Loudon Rd. Ste A Concord N.H. @ Courtyard SQ

(across from Sugar River bank) in front of From the Top Hair Salon

First Time Customers

20% OFF Your Purchase

Cannot be combined with any other offers. Expires 11/21/2026

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As Rick and Laurie Smith think back to their Grand Opening in March of 2019 they are amazed at how fast the time has gone by.

Rick admits… we are not the cheapest brand but based on our results for the last 7 years we believe we are the best. Talk is cheap and anyone can make these claims but if you read what our customers are saying in our on line reviews I think we’ve earned some bragging rights Smith laughs.

and or depression to 60 year old men with extreme back pain that are unable to work and provide for the family. We have people come in that haven’t slept in days and can’t function anymore.

SunMed Products are very high quality. They are all 3rd party tested with QR codes on packaging so that you can verify what’s in the container before making any purchases, in addition SunMed uses CO2 in our extraction process rather than chemical solvents. (a much cleaner and effective process).

Making the most of early retirement By BRYCE SCHULE

lifestyle plans into three distinct stages. There’s the “Go-Go” stage in the first 10 to 20 years of retiremericans are on the cusp of ment. Here, retirees spend more the largest wealth transfer freely to fund items that once felt in history. Over the next unattainable, such as travel, eating two decades, Baby Boomers will out and home improvements. Next leave behind $120 trillion to their are the “Slow-Go” years in your heirs. The advent of the workplace 80s, where the realities of aging 401(k), decades of stock market often promote a simpler lifestyle. gains, and a generation raised on The final stage, called the “No-Go” hard work all contributed to this years, may bring the highest costs war chest. But we also see a quiof all, as retirees often require ineter force at work: underspending home help, ongoing medical care, in retirement. COURTESY and/or long-term care needs. Spending guidelines are one of Bryce Schuler. The point is that spending rarely the biggest misconceptions in respending should be lower in retire- follows a linear path. Retirement tirement planning. By the time ment than your working years. spending projections often sketch a couples sit down with a financial Spending rules of thumb are in- “U-shape,” where spending needs planner, many echo guidelines that complete at best and misguided at are high in early retirement, lower circulated in the industry for in mid-retirement, and spike again decades: spend 80% of your pre-re- worst. They fail to acknowledge during the final stage of life. That tirement income, live only off So- the life cycle of human spending. pattern, of course, contains significial Security and investment inThree stages cant undulation year-to-year as come, or withdraw no more than of retirement: lifestyle needs ebb and flow. 4% of your portfolio each year. Go-Go, Slow-Go, No-Go Retirement planning is often These shortcuts often rest on a framed around how much money flawed assumption that your In general, we divide a retiree’s you have, but many retirees are now focused on a different resource: time. Time will always be more finite than any monetary asset. That is why so many retirees want to enjoy their nest egg while they are still spry. For the Ledger-Transcript

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Permission to spend (more)

NE-494650

Last week, a couple came into our office with approximately $3 million in investment assets. They worked hard, saved diligently, and invested smartly for decades. The couple’s frugality continued into early retirement, where they chose weekend travel over trips abroad, groceries over restaurants, and a well-worn sedan over the new car they eyed for years. Ironically, the same discipline that built their wealth was now keeping them from enjoying it. The couple had valid concerns. They watched the wife’s mother struggle with health issues and large long-term care costs at the end of life. Determined not to burden their children, they passed on buying the family’s lake cabin after her death. The couple worried they could not afford its upkeep costs later in life. Those same

worries made them hesitant to help their adult children, who were still finding their footing after college. Our discussion revealed other, deeper-seated concerns. Both remembered the Great Recession vividly, noting the dread they felt watching their 401(k) balances dive nearly 50% in just 18 months. The investments came back, but their concerns over the market stayed with them. This contributed to a lifestyle rooted in fear of the unknown rather than the abundance they worked so hard to create. The analysis showed little risk of ever running out of money. We reworked their plan to allow for annual travel, ongoing gifts to children, and a yearly rental at the same lake the wife spent her summers as a kid. We even stresstested the exact scenarios keeping them up at night: a 50% market drop like 2008, decades of high inflation, or a costly long-term care event. In nearly every scenario, the revised plan still left a meaningful inheritance for their children at the end. The couple’s sense of relief was palpable, but it was the husband’s parting words that stuck with me: “We were so focused on protecting our future that we forgot we were living in it.”

Plan with intention This brings some readers to an obvious question: “What if I don’t want to spend more?” Many do not need to increase their spending to feel fulfilled. The key is that you ground this decision in a deliberate framework — not an abstract set of fears. Some reposition certain investment accounts to leave a larger inheritance for their heirs. Others might support philanthropic causes that give them real meaning. Another group might simply dial back their portfolio risk, trading growth for more predictable results. Often the scariest things in life are the unknowns. Turn those unknowns into something you understand. Otherwise, your coveted gogo years could pass by in a blink.

Live in good company. Havenwood Heritage Heights is a vibrant, friendly and unpretentious community on two campuses filled with resort-style amenities. Here, you’ll find an appealing selection of maintenance–free homes. The community offers an outdoor sports complex, fitness centers, indoor and outdoor pools, movie theater, Main Street and a variety of dining options.

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Life in the company of friends.

Call 1-800-457-6833 to schedule a tour or visit hhhinfo.com to learn more!

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Why you shouldn’t count on inheriting money for your retirement By MAURIE BACKMAN

viser at Moneta Group Investment Advisors in St. Louis. “Advances in modern medicine mean people in the U.S. are ver the coming decades, baby living longer than ever. For many people, boomers and older generations an inheritance may not arrive until they are expected to transfer more than $100 trillion in assets to their heirs, are already well into retirement themaccording to some estimates. If your par- selves.” ents or grandparents are well off, you Your inheritance could be might assume that at least a portion of their money will become yours, and that surprisingly small Not only might an inheritance land too might mean you choose to save less late to fund your retirement fully, but the today. cost of long-term care could erode that Financial experts caution, however, against relying on an inheritance to fund windfall. CareScout, a company that your retirement. Here’s why that’s risky helps families navigate long-term care, puts the average annual cost of assisted and what to do instead. living at $74,400 as of 2025. For a shared Your inheritance could nursing home room, that figure jumps to arrive later than planned $114,975. “If your parents live longer than exPushing yourself to save aggressively for retirement may seem unnecessary if pected and some of those years are spent you’re expecting a generous inheritance in a nursing facility, the number you were picturing could end up signifionce your parents die. The reality, though, is you don’t know how long your cantly smaller,” Bosch says. The Washington Post found that elder parents will live and when that money care costs are whittling down older might arrive. Americans, especially those with means, are living longer, and Americans’ savings. The share of people left with nothing left to pass on rose GLP1 drugs and other new treatments from 6 percent for those who died becould prolong life further. The Social Security Administration re- tween 2006 and 2010 to almost 11 perports that the additional number of years cent among those who died between 2017 and 2022. an American is expected to live after Plus, even if you do receive a sizable reaching the age of 65 has increased by 18.1 years for men born in 1930, and by inheritance, the IRS might take a chunk of it if it comes from a taxable source, 20.9 years for men born in 1960. For women, it has increased by 21.4 years for like an inherited traditional IRA. those born in 1930, and by 23.7 years Not all inherited assets among those born in 1960. are created equal “Counting on money that is not yet There are different types of assets that yours is inherently a risky retirement strategy,” says Aaron Bosch, financial ad- can be part of an estate plan. Trent Von The Washington Post

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Ahsen, managing partner at Cedar Point Capital Partners in Cedar Rapids, Iowa, says not all assets may be equally useful for actually paying near-term retirement expenses. “A share of a family business, for instance, or a piece of land is very different than cash,” Von Ahsen explains. Even if you inherit an asset that could be worth a lot in theory, that doesn’t mean it automatically becomes an asset you can liquidate on the spot.

Use an inheritance as bonus retirement money Ultimately, the amount of money you inherit may be different from the amount you expect, and it may arrive later than anticipated. Prioritize retirement plan contributions so you’re saving on a consistent basis. “I would build a retirement plan that covers essential spending from your own savings and retirement income. Then model an inheritance separately,” Von Ahsen says. “I would be very cautious about reducing retirement contributions or making an irreversible decision based on money you don’t yet control. If the inheritance arrives, you can revisit that plan then.” Or, as Bosch says, “think of an inheritance as more of a bonus.” If it comes through, you may be able to retire sooner than planned or live differently. Until then, work with an adviser to figure out how much you can afford to contribute toward retirement while balancing other goals, and set up automatic recurring transfers into a 401(k) or IRA to ensure your savings are funded consistently.

I would build a retirement plan that covers essential spending from your own savings and retirement income. Then model an inheritance separately. I would be very cautious about reducing retirement contributions or making an irreversible decision based on money you don’t yet control. If the inheritance arrives, you can revisit that plan then.” Trent Von Ahsen, managing partner at Cedar Point Capital Partners in Cedar Rapids, Iowa

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Retirement planning is about more than just saving By JOSH HOULE

bathroom, improved lighting, or ramps may eventually be necessary. hen we think about retire- And at some point, paying others to ment planning, the conver- help maintain the home may besation often centers on one come part of the household budget. Health care is another important question: Have I saved enough? consideration. Medicare provides It’s certainly an important quesvaluable coverage, but it doesn’t pay tion, but as we get older, another for everything. One of the biggest question becomes equally impormisconceptions is that Medicare tant: Will my finances allow me to live the life I want and remain inde- will cover extended long-term custodial care. Generally, it does not. pendent for as long as possible? For many people, especially here Whether care is eventually provided at home, in assisted living, or in the Monadnock region, that in a nursing facility, the costs can be means remaining in their own home. But staying at home can come substantial. Transportation can also affect inwith costs that are easy to overlook when developing a retirement plan. dependence. In a rural area like ours, giving up driving can have a A home that worked perfectly at age 55 may present challenges at 75 much greater impact than it might in a city with extensive public transor 85. Stairs, bathrooms, heating, portation. Planning ahead may snow removal, lawn care, and roumean budgeting for alternative tine maintenance can all become transportation or considering more difficult. Modifications such as a first-floor bedroom, accessible whether your home’s location will

FOR THE LEDGER-TRANSCRIPT

HAVE YOU MADE YOUR FINAL WISHES KNOWN? Call us, or come in to see us, to have a comfortable conversation about an uncomfortable, but important, topic!

continue to work for you later in life. This is why retirement planning should go well beyond investment returns. A good retirement plan should consider where your income will come from, how expenses may change over time, and how much flexibility you have when life doesn’t go exactly as planned. Social Security, pensions, retirement accounts, investments, and cash reserves should work together to provide dependable income while preserving resources for future needs. Planning also means having conversations with family before a crisis occurs. As parents age, adult children often become involved in financial, housing, and health care decisions. Discussing your wishes ahead of time can make those decisions much easier for everyone. Finally, make sure your legal doc-

uments are current. Powers of attorney and advance health care directives are not simply estate-planning documents. They help ensure someone you trust can assist with financial and health care decisions if you can’t make them yourself. Wills, trusts, and beneficiary designations should also be reviewed periodically. Ultimately, successful retirement planning isn’t simply about accumulating the largest portfolio. It’s about creating the financial flexibility to make your own choices — where you live, how you spend your time, who provides your care, and how much you can continue doing for the people and causes you care about. For many of us, that freedom and independence may be the most valuable retirement asset of all. Josh Houle, CFP, is CEO of Houle Wealth Management in Keene.

Honor ~ Celebrate ~ Reflect Trails, Volunteer Opportunities, Community Events and reflection among the peaceful beauty of our grounds and trails. Open to all, dawn to dusk. Please visit soon!

Whether simple cremation, or traditional funeral service, we can answer your questions and help.

Julie, Jim and Alexa

ACTIVE AGING 2026-

Jellison Funeral Home and Cremation Services 25 Concord Street Peterborough, NH 603-924-3511 NE-493631

HIKING | GARDENS | EVENTS | BELL TOWER | MUSEUM

Serving veterans & the public for 80 years! 10 Hale Hill Rd, Rindge, NH 603-899-3300

cathedralofthepines.org

WHY CHOOSE TERRAPIN? We’re less

“Ho-hum” & MORE FUN!

WHAT MAKES US DIFFERENT?

LAST CHANCE TO HOP ON THE BUS IN 2026!

A Williamsburg Christmas

Voted NH’s TOP TRAVEL COMPANY - 6 years in a row!

December 3-8 - 6 Seats Left!

Named one of NH’s Top Women-led Businesses

2027 TOURS INCLUDE: A BEAUTIFUL NOISE in Providence ~ March 11-12 Philadelphia Flower Show ~ March 16-20 The Biltmore & Greenbrier ~ March 30-April 7 Springtime in NYC featuring HAMILTON ~ April 22-25

SMALLER GROUP SIZES! All multi-night tours are limited to 36 passengers (or less!).

Ndlovu Youth Choir in Portland ~ April 29-30 St. Augustine & Amelia Island ~ May 9-14

QUALITY & VALUE! We may not be the least expensive, but that isn’t our goal. We want to create the best tour experience we can at a fair price. Quality meals; quality hotels in central locations; the right mix of free time & planned activities; a relaxed & welcoming atmosphere; a professional Tour Director; luxury motorcoaches, and friendly, professional drivers.

Québec City Spring Getaway ~ May 18-21 Maine Getaway ~ June 6-8 Newport, RI & Flower Show ~ June 16-18 BOOK OF MORMON in Boston ~ June 27 Scotland Signature Tour ~ August 2-11 Great Lakes Explorer Signature Tour ~ Sept 24-Oct 8 MORE 2027 TOURS COMING SOON! Check our website for details.

WE GIVE BACK! Our “Give Back” initiatives include supporting a Student Travel Scholarship program, toiletry donation programs, supporting community events, and more.

Visit WWW.TERRAPINTOURS.COM to see ALL of our upcoming tours, register online, join our newsletter, or request a 2026/2027 TOUR CATALOG.

Visit our website or call for more information or to register!

www.terrapintours.com

603-348-7141

info@terrapintours.com

ALL TOURS DEPART FROM CONCORD, NH

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BECAUSE WE APPRECIATE YOUR BUSINESS! As a special thank you to our top travelers each year, we offer the Turtle Trax Customer Appreciation Program.

What’s new in Alzheimer’s and dementia research By MELISSA GRENIER

of the time. The test was especially helpful in showing when a person cientists are making progress did not have Alzheimer’s, so docin how Alzheimer’s is found, tors could look for other causes of memory problems. The treated, and possibly preAlzheimer’s Association has crevented. Many of the newest findings were shared in July 2026 at the ated a tool to help primary care doctors know when and how to use Alzheimer’s Association Internathese tests. tional Conference in London, where more than 11,000 people More medicines are registered to attend. fOR THE LEDGER-TRANSCRIPT

Blood tests may help doctors diagnose Alzheimer ’s sooner

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In a large study in Sweden, family doctors reviewed a blood test result along with other information about each patient. With the result, they diagnosed Alzheimer’s correctly 93% of the time. That was almost as good as specialists, who were right 94% of the time. Without the blood test, family doctors were right 65%

in the brain. Many of the drugs are already approved for other health conditions, which can speed up testing because their safety is better known. Medicines that slow early Alzheimer’s have been approved, and Association experts call this a breakthrough. But big gaps remain. No approved medicine slows the disease in people who have no being tested symptoms yet or in people with moderate to severe Alzheimer’s. No The Association’s yearly review found 192 clinical trials testing 158 medicine is approved for symptoms drugs. That is about 40% more like seeing or believing things that trials than 10 years ago. Reare not real, depression, or loss of searchers are also aiming at more interest in daily life. than one target. A decade ago, a third of the drugs being tested went There is hope for hardto-manage symptoms after a protein called amyloid. Today it is about one in five. About In a study of 120 people with seone in five now targets tau, another vere dementia, a mix of two subprotein linked to Alzheimer’s, and stances from cannabis, called THC another fifth targets inflammation and CBD, reduced agitation. Agita-

Jaran R. Blessing

Healthy habits can protect the brain In a study of more than 1,000 older adults in 11 Latin American countries, a program of regular exercise, healthy eating, brain training, time with others, and

SEE RESEARCH PAGE 18

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tion means restlessness, upset, or aggression, and it affects about half of people with dementia near the end of life. Benefits showed up within two weeks. After 12 weeks, nearly 90% of people receiving the treatment had improved, compared with 25% of those receiving a placebo, which is a treatment with no active medicine. This treatment was made for the study and is not available to the public. Families should never give cannabis products to a loved one with dementia without talking with a doctor first.

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RESEARCH FROM PAGE 14

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heart health checks improved memory and thinking. People who got coaching and peer support improved 55% more than people who followed the plan on their own. The program fit local life, with salsa and tango dancing for exercise and foods like avocado and quinoa for healthy meals. The Association also announced a new worldwide study called PROTECT-Cog. It will test whether adding a GLP-1 or similar drug to a healthy lifestyle program lowers the risk of memory loss even more than lifestyle changes alone. Separately, researchers found signs of changes in brain health among retired professional soccer players. This is a reminder that protecting your head is one of the Association’s 10 Healthy Habits for Your Brain. None of this means a cure is here, but the progress is real. If you are worried about your memory or a loved one’s, talk with a doctor. The Alzheimer’s Association 24/7 Helpline is also available at 800272-3900. Melissa Grenier is a regional manager for the Alzheimer’s Association for the MA/NH Chapter and an Ac-

Alzheimer's research shows progress in diagnosis, treatment, and prevention.

tive Aging Advisory Board Member. References: Alzheimer’s Association. (2026, May 5). Alzheimer’s disease drug development pipeline is growing in size,

COURTESY

search advances from the 2026 number and variety. https://www.alz.org/news/2026/alzhe Alizme heirm s-er’s Association International Conference [Press release]. disease-drug-developmenthttps://aaic.alz.org/releasespipeline-is-growing Alzheimer’s 2026/overview.asp Association. (2026, July 16). Re-

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SUPPORT NURSING HOME CARE Medicaid funding progress with bipartisan support has been made under Governor Ayotte.

It must continue.

Did you know? New Hampshire is tied with Vermont for the nation’s oldest average age upon nursing home admission (79.4). New Hampshire only trails Vermont and the Dakotas for the oldest average age of long-stay nursing home residents (80.7).

ACTIVE AGING 2026-

or on h st u m s ie it or ri p g in d n fu r u O our most vulnerable seniors

Navigating home care and New Hampshire’s Choices for Independence program specifically for older adults and individuals with physical disabilities who meet the clinical standards for nursing facility placement but prefer to receive care in their homes or community settings. Rather than paying the significant costs associated with a long-term care facility, CFI funds several in-home services, covering a wide range of needs, including: ■ Personal Care & Home Health Aides: Hands-on support with essential daily activities such as bathing, dressing, eating, and mobility. ■ Homemaker Services: Light housekeeping, laundry, meal preparation, and grocery shopping. ■ Home Modifications & Adaptive Equipment: Installation of safety equipment like wheelchair ramps, grab bars, and widened door-

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to delays in securing assigned caregivers. To bridge these gaps, local non-profits, volunteer driver networks, and community senior centers play an important role alongside state-funded care. Combining family support, community resources, and public programs often creates the most resilient care network. Getting Started If you are considering home care in New Hampshire, starting early is key: ■ Contact ServiceLink: ServiceLink acts as New Hampshire’s Aging and Disability Resource Center (ADRC). Their counselors offer free, impartial guidance to walk you through the CFI application process, assess eligibility, and connect you with local support. ■ Gather Records: Prepare documentation regarding monthly income, bank accounts, medical history, and current physical needs to streamline the Medicaid review. ■ Consult Your Local Assessor or DHHS Office: Applications can also be initiated directly online via the NH Easy portal (nheasy.nh.gov) or at a regional Department of Health and Human Services office. While the CFI program provides many options to assist seniors with aging in place, legal and financial considerations vary by individual. You should consult with an estate planning or elder law attorney to ensure your specific plan aligns with your goals.

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ways. ■ Adult Day Services & Respite: Structured social programs for seniors, providing crucial breaks for family caregivers. ■ Home-Delivered Meals: Essential nutrition through local programs like Meals on Wheels. Qualifying for Choices for Independence Eligibility for CFI is determined by medical need and financial status. Medical Eligibility: An applicant must undergo a Medical Eligibility Determination (MED) assessment conducted through the state to confirm that they require a level of care equivalent to what a nursing home provides. Financial Eligibility: Because CFI is funded through Medicaid, applicants must meet specific state income and asset guidelines. Countable asset thresholds will vary depending on marital status and other factors. By working with a case manager, participants can also choose a “participant-directed” option, allowing them or a designated family member to recruit and hire their own personal care attendants rather than relying strictly on agency staffing. Staffing and Support While the CFI program provides vital coverage, Granite Staters should prepare for local operational challenges. Home health agencies statewide face ongoing recruitment hurdles, which can sometimes lead

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any seniors in New Hampshire prefer to spend their later years in their own home. While long-term care facilities provide necessary care, they do not replicate the comforts of home. Aging in place, however, can present its own challenges. Daily routines like cooking, bathing, and managing household chores will often require additional support. There are several home care options available to Granite Staters, but exploring these options can feel overwhelming. Familiarizing yourself with and understanding the state resources available can make the goal of aging in place achievable. Choices for Independence Program The Choices for Independence Program (CFI) is a New Hampshire Medicaid waiver program created

ACTIVE AGING 2026-

Senior Strength program helps residents stay active 'Something so inspiring' about working with seniors, instructor says By KIERA MCLAUGHLIN Ledger-Transcript

en E. King’s “Stand by Me” played in the background as Summer Bullock, holding dumbbells, asked the crowd, “Was everyone working out when I was gone?” Chuckles filled the room as the senior citizens followed Bullock’s movements. One of them sarcastically replied, “Oh, sure.” After a month-long break, the weekly Senior Strength program hosted by the Peterborough Recreation Department returned in September to the community center with 18 participants ready to sweat. Every week, Bullock, a certified personal trainer, leads Peterborough’s oldest generations in lowimpact workouts using body-

I think a lot of people in this class did not think they were capable of a lot of the things they’re doing now.” Summer Bullock

weight, dumbbells, Pilates balls and resistance bands. The exercises involve seated and standing movements, but Bullock always provides multiple options for people unable to perform the full motions. “I want this to be available. I want seniors to move. I want them to have options,” Bullock said. With a mix of ages ranging from 55 to 90, Bullock designs her program with everyone in mind. From cardio to stretching to lifting weights, variations are encouraged

in her class. “I think a lot of people in this class did not think they were capable of a lot of the things they’re doing now,” she said. Bullock’s supportive comments and personalized training, along with the classic 1950-70s playlist and camaraderie, serve to motivate the crowd. “I love my seniors. I absolutely love them,” Bullock said. And they love her. Claire Juengst quickly became a regular when the program

launched over a year ago. “We really enjoy it,” she said. “We really enjoy the community.” Now, she attends each week with her husband, Ed Juengst, and looks forward to seeing her friends and Bullock. “It’s a great class to get some exercise and for the social aspect,” Claire said.

‘Old Soul’ For almost two years, Bullock SEE SENIOR STRENGTH PAGE 24

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SENIOR STRENGTH FROM PAGE 22

has worked independently, providing one-on-one training and semiprivate fitness classes. Most of the time, she works with clients aged 40 to 70. Being independent allows her to rent spaces and bring programs such as Senior Strength to Peterborough. “I’ve just always really connected with the senior population,” she said. “There’s something so inspiring about it.” Bullock attributes her affinity for senior citizens to her great-grandparents. “I was very grateful to have my great-grandparents. Not everyone gets that relationship, and I was very close to them, especially with my Nana Nana,” she said. “I think I’m a little bit of an old soul.” After seeing the community she fostered in a 45-minute class, Bullock hopes to serve as a blueprint. “They’re just so happy to be here, and I just want this to be offered for me, too, when I’m older,” she said. For more information about Senior Strength, visit peterboroughnh.myrec.com.

Bullock laughs with the Senior Strength participants as they punch the air.

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Key questions for a financial advisor What to know before making a decision By LIANA POODIACK AND TRAVIS POODIACK FOR THE LEDGER-TRANSCRIPT

hoosing a financial advisor is about more than finding someone to manage your investments. Over time, that person may help you make decisions about retirement, taxes, estate planning, insurance, and family wealth here in New Hampshire. A first meeting should give you a clear sense of how the advisor works, how they are paid, and whether the relationship can support your whole financial life. These 10 questions give you a script for that conversation. A good advisor will welcome every one.

1. Are you a fiduciary 100% of the time?

Meet with an advisor and ask these 10 questions! interests first when providing financial advice. Ask whether that standard applies at all times.

third-party payments. You deserve to know where those incentives exist.

verbal promise is reassuring, but written commitments are better.

6. What is my all-in cost?

The advisory fee may not be the whole number. Investments can 4. How do you carry additional expenses. Ask for 2. Are you a CFP® get paid? the estimated total cost as both a professional? Ask how the advisor and firm are percentage and a dollar amount compensated. Terms like “fee-only” based on your portfolio. “Financial advisor” is a broad title. CERTIFIED FINANCIAL and “fee-based” can represent difPLANNER™ professionals must ferent arrangements, so know who 7. Who manages my portfolio day to day? meet education, examination, expe- pays them and why. rience, and ethics requirements and The person sitting across from act as fiduciaries when providing fi- 5. Do you receive you may not make investment decicommissions or nancial advice. sions. Ask who manages the portthird-party folio and whether that work is han3. Will you put dled in-house or outsourced. compensation?

it in writing?

Ask about commissions, referral Ask for documents explaining the firm’s services, fees, potential con- fees, insurance compensation, revenue-sharing payments, or other A fiduciary is required to put your flicts, and who will advise you. A

8. What happens if you retire, leave, or sell the

SEE QUESTIONS PAGE 26

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QUESTIONS FROM PAGE 25

firm?

the year?

Find out how often you will meet, what those conversations cover, The question may feel uncomfort- who is available between reviews, and whether the advisor reaches able. Ask anyway. Financial plans can span decades, so understand the out proactively. firm’s succession plan and what happens if your advisor is no longer Ask the questions before you make there.

9. What is included beyond investment management?

Stay Physically Vital

the decision

A first meeting isn’t only a chance for an advisor to learn about you. It’s also your chance to learn about Go beyond your portfolio and de- them. Pay attention to how clearly they explain their process, fees, and termine whether the relationship the role they would play in your fiincludes retirement planning, tax planning, estate and legacy coordi- nancial life. The goal isn’t to walk away imnation, insurance review, cash flow, charitable giving, and collaboration pressed; it’s towalk away informed. When you understand exactly what with your CPA or attorney. New you’re being offered, you’re better Hampshire has a unique tax landpositioned to compare your options scape, so make sure your plan reand choose with confidence. flects where you actually live. Liana Poodiack and Travis Pood10. What will our relaiack are co-founders of Birch Finantionship look like over cial Group in Keene.

The care you need, close to home.

ACTIVE AGING 2026-

Arthritis? Joint injury? Living with pain? You need care you can trust to address your orthopedic concerns and regain your strength, independence, and good health. Monadnock Orthopaedic Associates is here to help you engage as you age.

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AP FILE

Hundred dollar bills are seen in this photo illustration in Warsaw, Poland.

The state’s ‘silver tsunami’ isn’t slowing down

Aging in Place at Home, with Extra Peace of Mind • Does the dishwasher or computer break, and you don’t know where to turn? • Are you finding it more difficult to do little (and big) tasks around the home?

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• Would your life be easier if your groceries were delivered to you, or you got help with your shopping?

14,111 people died in the state but only 12,593 were born. If it wasn’t for people moving here, ou’ve probably heard that the state’s population would be New Hampshire is the shrinking. second-oldest state in the Although we’re an outlier, New country, with almost 25% of resiHampshire’s population change dents at or above retirement age of 65 or older and 10% at least 75. reflects what is happening nationally and globally. The median age That is true, and it a relatively recent phenomenon. In 2000, for of the country — meaning half of example, just 12% of the state was people are older, half are younger — has risen more than a full year 65 or over, a figure that was since the start of the millennium slightly below the national avand will soon be 40. By contrast, erage. the nation’s median age was 30 at Since then, what is sometimes the end of World War II. called the “silver tsunami” has Globally, things are similar. In changed our demographics. It isn’t slowing down. The state pro- fact, some time in the last five jects that in 15 years almost 30% years, the U.S. Census Bureau esof New Hampshire residents will timated that for the first time in be 65 or older and around 16% — human history the planet held that’s one person out of every six more retirement-aged people than preschoolers. On Earth as a — will be 75 or older. whole, there are now more people Deaths have outnumbered over the age of 65 than under the births in New Hampshire since age of 5. 2017. Last year, for example,

Concord Monitor

• Would new friendships and group gatherings brighten your days? If so, Monadnock at Home is here to help! If you are an older adult (age 62+) living independently at home but could use assistance around the home or are seeking stronger community connections, contact Monadnock at Home to learn how we can help you.

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A COMMUNITY FOR ALL

avenwood Heritage Heights (HHH) is home to residents from all walks of life, and each person brings unique interests, talents, experiences — and occasionally a few surprises — to our community. Our residents include hikers, bikers, photographers, writers, authors, artists, singers, actors, gamers, athletes, musicians, crafters, gardeners, dancers, and so much more. You name it, and chances are we have someone here who does it. And if we don’t, give us a little time — we may have someone who is willing to learn! What makes our community especially meaningful is the willingness of our residents to share their talents with others. Through programs, activities, clubs, and informal gatherings, residents open doors of opportunity for their neighbors to discover new interests, develop new skills, and connect with others. And sometimes, those talents are

things residents never had time to explore before. Retirement can be a wonderful time to discover that the person who spent a career crunching numbers can also paint, the quiet neighbor down the hall writes poetry, or the person you thought was simply an avid gardener has a green thumb that could probably qualify as a superpower. HHH is proud to have more than 40 published authors among our residents, and we are fortunate to have many of their books available in our community libraries. Their work covers an incredible range of subjects, including mysteries, poetry, history, memoirs, and much more. Think about that for a moment: more than 40 people in our community have sat down, put their thoughts and experiences on paper, and actually finished a book. That is an accomplishment worth celebrating—and perhaps a good reminder that “I’ve always wanted to write a book someday” doesn’t have to remain on the someday list!

when you pick up a book written by someone who lives just down the hall: you meet the person behind the story. A book can spark a conversation. A conversation can lead to a friendship. A friendship can lead to discovering another shared interest. Before long, two people who may never have met are sitting together over coffee talking about life, writing, travel, history — or wondering why they didn’t meet sooner. That is the power of community at HHH. It is not simply about having talented people around us. It is about sharing those talents, encouraging one another, and discovering that Inspiration is there is always something new to Everywhere learn — and perhaps something new Resident-authored books are also within ourselves to share. At Havenwood Heritage Heights, available in libraries on both camretirement isn’t the end of the story. puses, giving neighbors the opporFor many of our residents, it is the tunity to discover and enjoy the work of fellow residents. And some- chapter where the really interesting stories begin. thing wonderful often happens Each year, we celebrate these talented writers through our “Meet Our Authors” event. Residents have the opportunity to share their stories, talk about their writing journeys, and discuss what inspired them to put their experiences and ideas into words. The stories are fascinating, often funny, sometimes surprising, and always personal. One resident may talk about writing a mystery, while another shares a lifetime of memories. Someone may have written poetry for years, while another discovered the joy of writing much later in life. There is no single path to becoming an author — and that may be the most inspiring part of all.

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Bone Blasters class keeps seniors strong Class helped Linda Kunhardt reverse her osteoporosis By JESSECA TIMMONS Ledger-Transcript

ACTIVE AGING 2026-

n just one year, Linda Kunhardt of Francestown went from an osteoporosis diagnosis to showing no signs of the disease. The secret? She started taking part in the Francestown Recreation Department’s Bone Blasters program when it launched last November, and the results are astounding. “My doctor absolutely could not believe it,” Kunhardt said. Kunhardt’s first bone density test in 2020 showed she was already osteoporotic. While she’s active and fit, her genes and body type made her more likely to have osteoporosis: a weakening of the bones that comes with aging for many people. “My doctor expected me to come out of osteoporosis and into osteopenia, which is the stage before you are osteoporotic, but I just shot off the charts,” Kundhardt said. “I am now completely free of any indication of bone density loss. I gained so much in one year, following this program, that my doctor spent five minutes reading my data. He thought he had the wrong chart.” The class meets every Wednesday and Friday at 9:30 a.m. at Francestown Town Hall — free and open to the public. It’s based on Bone Builders, a program created by AmeriCorps and Tufts University, founded on research that gentle strength and resistance training improves bone density, muscle strength and balance. The National Institutes of Health funds it, and it’s designed specifically to prevent and reverse osteoporosis. After NIH funding was slashed in 2026, the Francestown Recreation Department began funding the class, now called Bone Blasters, with the town paying the insurance. The classes are taught by volunteers. In fall 2025, Jim and Janet Petrovito, who participated in a Bone Builders class near their summer home in Vermont, approached the town about starting the class. It was an immediate success. “We’ve had 30 to 40 people in each class, and people love it,” said Bob Bitterli, chair of the Frances-

Participants in Francestown Recreation Department's "Bone Blasters" class.

JESSECA TIMMONS/LEDGER-TRANSCRIPT

“It’s very consistent, but we incorporate some different things every time, because if you do the same routine every time, the benefits fall off,” Berry said. “The body is interesting; if you do the same routine every time, you are not challenged. You have to continue to challenge yourself.” Kunhardt said she’s religious about attending twice a week to get the maximum benefits. “If you don’t do it twice a week, you may stay stable, but you won’t increase your bone density. If you don’t do it the way the program is designed, you will continue to lose bone density,” Kunhardt said. “I can’t stop. Others might be able to stop, but I can’t stop.” Kunhardt said she wishes she’d known about Bone Builders sooner. “If I had known this 10 years before, I would have started before, but I didn’t know about it,” KunJESSECA TIMMONS/LEDGER-TRANSCRIPT hardt said. “It’s about being able to Pam Berry, left, and David Wharton leading Francestown's "Bone Blasters." stay independent, to keep your balance and your strength and get town Recreation Department. Berry, who added that many partici- dressed without help. It’s about The Petrovitos have led the class pants hear about it from their doc- being able to live your life.” For more information about ever since, with volunteers Pam tors. Many have been diagnosed Francestown Bone Blasters, go Berry and Richard Wharton filling with osteoporosis. to: https://www.francesin when they’re out of town. Berry said class leaders mix “A lot of us have been doing this things up a little each time to keep it townnh.org/1297/RecreationCommission. class ever since it started,” said interesting.

NE-494615

ACTIVE AGING 2026-

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