Retirement Guide 2017

2017

Retirement Guide Resources and Information for Northern Colorado Seniors

Local Assistance and Resources for Seniors Where there’s a will, there’s peace of mind A Senior Friendly Workout Boost Memory with a Hearing Test February 28, 2016

Reporter-Herald – ReporterHerald.com

RETIREMENT GUIDE 1

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Yours in Health, Dr. Carla Irven, D.C.

Centrally located between Loveland & Ft. Collins 2 RETIREMENT GUIDE

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(970) 682-2667

107 Cameron Dr Just off 287 between trilby anD Harmony February 26, 2017

2017 Senior Resource Guide Whether you need assistance, or just want to find a place to socialize, Loveland area businesses and services are here to help. On the next few pages, you’ll find a convenient guide to help you navigate the unique needs of being a Colorado Senior.

ASSISTANCE

conflicts.

Human Services works closely with the other County Departments for the total package of human services provided by Larimer County.

205 E. 6th St., Loveland 970-679-4451 larimer.org/humanservices

Colorado VITA (Volunteer Income Tax Assistance) and TCE (Tax Counseling for the Elderly)

VITA and TCE are IRSsponsored programs operated by local volunteers to provide free, confidential and secure preparation and e-filing of Federal and Colorado State income taxes for taxpayers who qualify.

LOCATIONS NEAR YOU All sites are independently operated; please check your local sites for their hours and dates.

VITA: First United Methodist Church, 533 N. Grant Ave., Loveland Life Center: 1511 East 11th St., Loveland, 970-599-1794 TCE: Aarp Windsor Rec Center 250 11th St., Windsor (970) 674-3500 Some sites require an appointment, some do not, for more information on appointments, directions and additional locations visit coloradovita.org.

If you do not qualify for VITA/TCE services, or for some reason can’t use VITA/TCE services, you can use MyFreeTaxes, an online service that lets you prepare your own taxes for free, with telephone support from VITA volunteers if you have questions. Phone and Live Chat support is available from 10 a.m. to 10 p.m. ET, Monday -Friday, and 12 to 9 p.m. ET on Saturdays.

February 26, 2017

The Larimer County Office on Aging (LCOA)

Food Bank for Larimer County

The Senior Nutrition program, in conjunction with Volunteers of America offers a congregate meal for seniors age 60+. Through the Food Share program, they also distribute food provided by the USDA Commodity Supplemental Food Program (CSFP). They will also deliver CSFP commodity boxes and fresh fruits to homebound seniors in low-income housing.

FORT COLLINS BUSINESS OFFICE & FOOD SHARE: 1301 Blue Spruce Dr., Fort Collins LOVELAND FOOD SHARE 2600 N. Lincoln Ave., Loveland

House of Neighborly Service (HNS)

HNS provides life-sustaining emergency and basic needs such as: • Food baskets • Prescription assistance • Clothing • Utility assistance • Gas vouchers and bus tokens for conformable medical or

job related appointments • Holiday programs • Education: Financial, Parenting, Cooking • Help finding homeless adult and family shelter solutions LOVELAND Main Office (in the Life Center) 1511 East 11th St., Ste. 100 Loveland, 970.667.4939 ANGEL HOUSE 1511 E. 11th St., Ste. 200 (in the Life Center), Loveland (970) 663-1716 137 HOMELESS CONNECTION 137 South Lincoln Loveland, (970) 685-4173

Larimer County Human Services

The Department of Human Services provides services including financial assistance for shelter, food and medical care. Services are provided either directly or through other community agencies.

Individual and family programs help people to become employed and assist youth and families in properly handling

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LCOA, located in the Department of Human Services, provides assistance specifically to Larimer County residents 60 and older, helping coordinate services such as meals, transportation, legal assistance and more, both directly and through community partner agencies.

Community Partners include: • Aging and Disability Resources for Colorado (ADRC) Provides information, counseling, and assistance with Long Term Care Medicaid applications. (970) 498-7750 • Chore Voucher Program Provides funding for lowincome seniors to pay someone to help them do heavy household chores that they can no longer perform on their own.

(970) 498-7750 • Family Caregiver Support Provides guidance, support, and assistance to caregivers for someone 60 years of age or older in the home. (970) 498-7758 • In-Home Ser vices Voucher Program Provides light housekeeping or some personal care to lowincome seniors to help them stay in their home. (970) 498-7750 RETIREMENT GUIDE

3

• Long Term Care Ombudsman A trained, experienced professional serving as advocate for residents of nursing facilities and assisted living residences.

(970) 498-7754 or (970) 4987753 • Senior Property Tax Work-Off Program Allows seniors to temporarily work to reduce the burden of their property tax bill. The maximum amount of assistance per household is $400.

(970) 498-7751

LCOA also provides classes on topics concerning seniors and their caregivers. For a complete list of services , classes and other resources visit larimer.org/seniors/.

Larimer County Office on Aging Department of Human Ser vices 2601 Midpoint Dr., Suite 112 Fort Collins, (970) 498-7750

Low Income Energy Assistance Program (LEAP)

LEAP is a federally funded program designed to help with heating costs. Applications for LEAP may be submitted through April 30 if you meet eligibility criteria for the program.

To request an application, or for additional information, call or visit their website.

If you prefer to pick up and submit your application in person, visit the office.

Just be sure to bring all necessary documents, call or visit the website for a complete list.

Longs Peak Energy Conservation of Boulder County also offers free weatherization services to residents of Larimer County.

1501 Blue Spruce Dr., Fort Collins (866) HEAT-HELP (1-866-4328435) or (970) 498-7730, larimer.org/humanservices/ assistance/leap.htm

Meals on Wheels

Meals on Wheels of Loveland and Berthoud provides meals to housebound clients as well as to the homeless and those with low-income.

To be eligible for delivery, you must: • Be housebound and unable to shop or cook for yourself for physical or mental reasons.

• Live in Loveland, Berthoud, Masonville, Carter Lake or southern Larimer County • Be at least 60 years old. If you are under 60 with a disability, you may still be eligible.

Meals for clients 60 and older are meals subsidized based on income. No senior is ever denied service based on an inability to pay.

437 Gar field Ave., Loveland (970) 667-0311 lovelandmealsonwheels.org

Neighbor to Neighbor

A primary resource for assisting Larimer County residents, with services from homelessness to homeownership through three main areas of service: • Renter Program • Affordable Housing Apartments • Homeownership Program 1511 E. 11th St., Loveland 970.663.4163, n2n.org

Salvation Army

Church leaders and the community come together to provide: Rent assistance, meals and clothing, disaster relief, prescriptions and glasses, transportation assistance, and emergency lodging among other services.

840 N. Lincoln Ave., Loveland (970) 699-8380 salvationarmyloveland.org

CALL TO AVOID UNNECESSARY PAIN AND SUFFERING

The Colorado Spine Institute is a leading provider in diagnosing and treating vertebral compression fractures of the spine and pelvis. More than half of American men and women over the age of 50 are affected by osteoporosis and low bone mass which can lead to debilitating vertebral fractures. Dr. E. Jeffrey Donner and his team in Loveland strive to create the best patient experience possible, ultimately maximizing success of all procedures performed.

With 25 years of serving patients from around the world, the Colorado Spine Institute is dedicated to finding and treating painful spine and orthopedic conditions.

Retire in style – your style COUNTRY Financial® has a number of ways to help you plan for the retirement you want.

Best of all, we offer products and services that can fit a range of budgets too. Find out more today!

• VCFs (Vertebral Compression Fractures) are the most common osteoporotic fractures, yet approximately two-thirds are undiagnosed and untreated.

• Symptoms include: Severe back pain in the elderly and people with osteoporosis, acute onset of severe back pain, or a sharp, stabbing pain that appears to “wrap” around the body.

Jason Percha

Financial Representative 1405 W 29th Street, Loveland, CO 80538-2403

• Silent vertebral compression fractures lead to deformity.

Testimonials: • 85-year-old: My pain level was a 7 before the surgery, and within a week my pain level went down to a 0.

They are such amazing people.

(970)669-1263

Registered Broker/Dealer, offering securities products and services: COUNTRY Capital Management Company, 1705 N. Towanda Avenue, Bloomington, IL 61702-2222, tel (866) 551-0060. Member FINRA and SIPC. Annuities issued by COUNTRY Investors Life Assurance Company®, Bloomington, IL. Not all financial representatives are licensed to offer all products and services. ®

Investment management, retirement, trust and planning services provided by COUNTRY Trust Bank®

• Very good experience, great people. It helped me so much with my pain.

• I got very good pain relief from the surgery. My pain level was a 9 before and a week later it was down to a 3.

A proud member of the thhe Advocacy Leadership Council & The National Osteoporosis Osteoporosis e Foundation.

Foundattion.

970-342-2220 • 5285 MCWHINNEY BLVD STE 145 LOVELAND, CO 80538

0415-553HC-16746-2/6/2017

4 RETIREMENT GUIDE

• More than half of American men and women over the age of 50 are affected by osteoporosis and low bone mass, which can lead to debilitating vertebral fractures.

Reporter-Herald – ReporterHerald.com

www.colospine.com

February 26, 2017

Social Security Administration

If you need to apply for retirement or disability benefits need more information about Supplemental Security Income, or even enroll in Medicare, contact the local Social Security office in Fort Collins.

301 S. Howes St., #4 Fort Collins (866) 336-7385, ssa.gov National Social Security Hot Line: 800-772-1213

United Way of Larimer County

Committed to reducing poverty by helping local community members succeed by bringing together resources, providing educational assistance programs and connecting people with food and shelter.

424 Pine St., Suite 102 Fort Collins (970) 407-7000, uwaylc.org

United Way 2-1-1

Dial 2-1-1 for community service assistance such as: • Aging services • Disaster recovery • Donation referrals • Food, housing and utility assistance • Free tax preparation • Health and medical needs • Holiday assistance • Legal assistance • School supplies 2-1-1 is for nonemergency assistance ONLY. The 2-1-1 smart phone app is also available for download on their website.

COMMUNITY RESOURCES Loveland Reporter Herald Stay on top of the news in your community with the Reporter-Herald.

9970) 669-5050 reporterherald.com

Loveland Magazine

Cover-to-cover entertainment, food, business and events that February 26, 2017

make Loveland an outstanding place to live.

(970) 669-5050 lovelandmag.com

2902 Ginnala Dr #3, Loveland, (970) 593-1509 hearinghealthcarecenters.com

Chilson Senior Center

Regain your hearing with the tiniest and most advanced hearing aids.

1135 N Lincoln Ave #2, Loveland, (970) 292-8023, beltonehearingctr.com

The Chilson Senior Center offers up a friendly atmosphere for recreation, classes, gathering and socializing for seniors.

Read about it all in the Leisure Times Activity Guide available at Chilson or online.

700 E. 4th St., Loveland 970-962-2783 ci.loveland.co.us/departments/ parks-recreation/chilson-seniorcenter

CHIROPRACTIC CARE Rocky Mountain Spine and Disc

At Rocky Mountain Spine and Disc, patients receive an integrative comprehensive treatment that includes leading edge therapies to complement spinal and extremity rehabilitation. See page 9 for more information.

DENTISTRY Loveland Dentistry & Dentures

Providing the highest quality, comprehensive general dental care. See page 9 for more information.

FINANCIAL SERVICES

Investment Centers of America Investment Centers of America is a full service financial advisor.

See page 7 for more information.

Wealth Strategies Group Wealth Strategies Group can help you take control of your retirement financial planning. See page 7 for more information.

HEARING HEALTH Hearing Healthcare Center

Personalized hearing care that includes diagnostic evaluations, education and rehabilitation tools.

Beltone Hearing Care Center

LOCAL AUTHORITY PHONE NUMBERS

FOR ALL EMERGENCIES, CALL 911

Berthoud Police Department 970-532-2611

Fort Collins Police Department 970-221-6540

MEDICARE & MEDICAID INFORMATION Medicare Helpline 1-800-MEDICARE 800-633-4227

Larimer County Human Services

205 E. 6th St., Loveland (970) 498-6300 larimer.org/humanservices/ assistance/medicare_savings. htm

Medicaid - Regional Office

Region Eight - Denver (303) 844-0634; medicaid.gov

PET & ANIMAL Larimer Humane Society (LHS)

Loveland Police Department

Protecting, sheltering and caring for stray, lost or abandoned animals. LHS also provides animal control services.

6317 Kyle Ave., Fort Collins (970) 226-3647 larimerhumane.org

Loveland Fire Rescue Authority

SENIOR HOUSING Columbine Health Systems

MEDICAL SERVICES Colorado Spine Institute

Good Samaritan Society Loveland Village

Larimer County Sheriff’s Office 970-498-5100

970-667-2151

(970) 962-2471 cityofloveland.org/departments/ fire-rescue

Treating orthopedic conditions with cutting edge technologies.

5285 McWhinney Blvd., Ste, 145 Loveland, (970) 373-2682 colospine.com

McKee Medical Center

2000 N. Boise Ave., Loveland (970) 820-4640

Medical Center of the Rockies — UCHealth

2500 Rocky Mountain Ave., Loveland (970) 624-2500

Reporter-Herald – ReporterHerald.com

Three adjacent communities provide different living solutions for seniors. See page 13 for more information.

Good Sam provides a full range of housing and healthcare services for those 55 and older.

See page 15 for more information.

The Suites

Short- or long-term hospitality and healthcare in a luxe environment. See page 14 for more information.

TRANSPORTATION City of Loveland Transit (COLT)

Fixed route bus service, plus Paratransit Service door-to-door

Continued on page 6 RETIREMENT GUIDE

5

for those over the age of 60, and for those whose physical or mental disabilities prevent them from using fixed route service.

2600 N. Lincoln Ave., Loveland 970-962-2700 cityofloveland.org/departments/ public-works/transit-colt

Berthoud Area Transportation Service (BATS)

BATS, operated through the Town of Berthoud, provides door-to-door in-town transportation, as well as to Loveland and Longmont. City of Fort Collins.

Medical trips take top priority, then employment trips followed by education trips.

Riders age 60 and over ride for free, but donations are

encouraged.

Rides must be scheduled through the office. For a full schedule of times, detail of service areas and other information visit the BATS website.

970-532-3049 or 970-532-2643 berthoud.org/departments/ berthoud-area-transportationsystem-bats

Friday and riders must call to make reservations at least three business days in advance of the requested date.

Loveland Scheduler: 970-223-8653 Fort Collins Scheduler: 970-223-8645 saintvolunteertransportation.org

SAINT Volunteer Transportation

The “Connecting Health” van is a free service that takes riders to designated medical locations in Fort Collins, Loveland and Greeley. Rides are free to designated medical locations in Fort Collins, Loveland and Greeley.

The van runs the full route three times a day and makes an additional trip to locations in Fort Collins and Loveland in

SAINT serves people sixty years old and older and people eighteen to sixty years old who have disabilities that prevent them from driving in Loveland.

SAINT has sister programs in Fort Collins, but doesn’t travel between the two cities.

SAINT operates from 8:15 a.m. to 4 p.m. Monday through

Connecting Health

the late afternoon Riders do not need to schedule a ride. Visit the website for more information and to download a schedule.

970-494-6451 uchealth.org/locations/ UCHealth-Medical-Center-of-theRockies

VISION CARE Kirk Eye Center

The full gamut of technologically advanced vision care for all ages in a beautiful modern facility. See page 13 for more information.

————————————— To be included in next year’s Resource Guide, please call Linda Story, 970-635-3614.

Financial Management

AARP Foundation Tax-Aide Will Provide Free Tax Assistance And Preparation

Now through April 18, AARP Foundation is providing free tax assistance and preparation through its Tax-Aide program.

AARP Foundation Tax-Aide, in its 49th year, is the nation’s largest free tax assistance and preparation service, offering free tax preparation help to anyone, especially those who are 50 and older, who cannot afford a tax preparation service Tax-Aide, which is offered free of charge, is available to AARP members and nonmembers and includes more than 5,000 locations in neighborhood libraries, malls, banks, community centers and senior centers nationwide. Since 1968, Tax-Aide has helped nearly 50 million low- to moderateincome taxpayers.

“For nearly 50 years, AARP Foundation Tax-Aide has provided free tax assistance to low6 RETIREMENT GUIDE

and moderate-income taxpayers,” said AARP Pennsylvania State Director Bill JohnstonWalsh. “Our IRS-certified volunteers can take the hassle and expense out of tax season for those who need help, including many older Pennsylvanians on fixed incomes.”

In 2016, AARP Foundation Tax-Aide volunteers helped 2.7 million people navigate complicated tax codes, ensure proper credits and deductions and file their federal and state tax returns. Taxpayers who used AARP Foundation Tax-Aide received $1.41 billion in income tax refunds and more than $240 million in Earned Income Tax Credits (EITCs).

In Pennsylvania last year, 1,400 AARP Foundation TaxAide volunteers helped more than 118,000 state residents file their federal and state tax

returns. The program is offered at 312 sites statewide, including senior centers, libraries and other convenient locations.

For more information on documents to bring to the tax site or to locate an AARP Foundation Tax-Aide site, visit aarp.org/findtaxhelp or call 1-888-AARPNOW (1-888-2277669). AARP Foundation TaxAide is offered in conjunction with the IRS. —PRNewswire-USNewswire/ —————— IF YOU GO...

AARP WINDSOR REC CENTER 250 11th St., Windsor (970) 674-3500 Schedule: Monday-Tuesday, 8:30 a.m.- 3 p.m.; By Appointment ONLY AARP HIGH PLAINS LIBRARY 2650 W. 29th St., Greeley Schedule: Tuesday - Thursday

Reporter-Herald – ReporterHerald.com

9-11 a.m.; Additional hrs: 1-3 p.m.; By Appointment ONLY For an appointment, please call (970)584-0144 See aarp.org for a full list of necessary documents and locations.

About AARP Foundation AARP Foundation works to ensure that low-income older adults have nutritious food, affordable housing, a steady income, and strong and sustaining bonds. They collaborate with individuals and organizations who share their commitment to innovation and passion for problem-solving. Supported by vigorous legal advocacy, they create and advance effective solutions that help struggling older adults transform their lives. AARP Foundation is the affiliated charity of AARP. February 26, 2017

Financial Management Investment Centers of America (ICA)

Today’s investment climate offers unprecedented opportunities, giving you more control over the quality of service you receive from your financial advisor. Kevin Dunnigan, CFP®, and one of the founders of ICA, Inc., has over 30 years experience in the financial services industry that he wants to share with you.

He began his career with ICA, Inc. in 1984 in North Dakota and in 2000, he and his family relocated to Loveland to open his current ICA office. Since then he has been helping residents all over northern Colorado find sure financial footing for their futures.

Aside from being a CFP, Kevin has a Masters in Investments and Finance and has been named the No. 1 producer for most of his years with ICA. He enjoys assisting clients in finding the right investment strategy even in a constantly changing economy. Whether their need is planning for retirment, college funds, or even taxes, he

treats each need individually. He acquaints them with their options in mutual funds, annuities, stocks, bonds and more and gives them solid advice on which would work best for them.

Kevin’s clients are more than just customers, they are like family and he believes in helping them be their most secure. He believes in treating his clients as if they were his friends or family members. Kevin’s motto is, “Trust and experience go a long way when you are dealing with people’s hard earned money.”

Investment Centers of America has grown to over 400 professionals nationwide and is one of the largest broker-dealer networks in the country. If you are interested in creating a new financial plan, or you’d simply like a second opinion on your current investments at no cost or obligation, give Kevin a call today. He looks forward to meeting you!

Contact ICA at 970-622-2366 or visit 300 E. 29th St. inside the Guaranty Bank and Trust Company in Loveland.

We speak retirement fluently.

Wealth Strategies Group

The road to a successful retirement starts early. It requires making good investment decisions throughout your working career. You want to maximize your returns while protecting your growing nest egg.

“But, once you reach retirement age, you have a whole new set of challenges,” says Paul Bankes, financial advisor for Wealth Strategies Group in Fort Collins. “It used to be, retirement might last 5 to 15 years, but now that people are living into their 90s, this period can be as long as 30 years.”

This makes it all the more important that you have the financial plans in place to make your savings go the distance. “It used to be, you could put your money into a CD and get four or five percent interest, and that was great,” Bankes says. “For a lot of people, that’s how retirement was done.”

It just doesn’t work that way

any more. As we live longer lives, the health care costs we incur can be astronomical, Bankes explains.

“You can’t afford to have market crashes. You need consistent, reliable and safe income.”

Wealth Strategies Group works with those nearing retirement (or already retired) to create a strong retirement financial plan. It starts with a discussion about your goals. How do you want to spend your retirement years, and what type of cash flow will this require?

Do you have wills, powers of attorney and life insurance in place?

Should you pay off your mortgage early, or not?

“Once we have a clear picture of these details, we can begin planning and making decisions together,” Paul Bankes says.

“Choosing a financial planner is a decision you can’t take lightly.

Finances are very personal, and you need to have confidence and trust in whomever you choose.

I invite you to contact me to get this conversation started!”

Need Help in Navigating the Challenges of a Secure Retirement?

• Life Longevity • Healthcare Needs • Inflation

• Tax Strategies • Social Security and Medicare • Investments

Selecting the right advisor is important!

300 East 29th Street

I OFFER:

Loveland, CO 80538 970-622-2366(business)

Trustworthiness, honesty, personalized approach, effective communication, relationship building and knowledge.

877-622-5591(toll-free) 970-622-2395(fax) kevin.dunnigan@investmentcenters.com www.helpwithmyinvestments.com

Kevin Dunnigan

MBA, Certified Financial Planner™ Investment Centers of America, Inc. (ICA) member FINRA/SIPC and a Registered Investment Advisor, is not affiliated with Guaranty Bank and Trust Company. Securities, advisory services and insurance products offered through ICA and affiliated insurance agencies are *not insured by the FDIC of any other Federal Government agency *not a deposit or other obligation of, or guaranteed by any bank or their affiliates *subject to risks including the possible loss of principal amount invested.

February 26, 2017

Paul R. Bankes

Registered Representative, Financial Advisor

Reporter-Herald – ReporterHerald.com

155 East Boardwalk, Dr., Suite 280, Fort Collins, CO 80525 970-658-4148 • paul_bankes@wealthsg.com http://ww www ww.wealthsg.com/team/paul-r-bankes w

RETIREMENT GUIDE

7

Financial Management

Where there is a will-and more-there’s peace of mind (BPT) - What’s the state of your estate? Robert Fishbein, a vice president and corporate counsel in Prudential Financial’s Tax Department, says now’s a good time to find out.

Changes in federal estate tax law have significantly increased the amount at which federal estate tax is triggered, says Fishbein. The individual exemption is $5.49 million (2017 amount, indexed for inflation) so a couple can accumulate almost $11 million dollars of assets without federal estate tax depleting the value.

The $5.49 million will increase over time. As a result, most individuals no longer need an estate plan to minimize federal estate tax.

That said, Fishbein adds, there are compelling reasons for having an estate plan, and three core documents you’ll need to create one: a power of attorney, a living will or health care proxy, and a will. In this article, Fishbein describes these core documents and how you can use them.

POWER OF ATTORNEY

A power of attorney is the document designating someone to make financial decisions for you, whether you’re out of the country for a long period, have a physical injury preventing you from conducting business in person, or are mentally incapacitated.

A power of attorney can be “springing” - going into effect upon your incapacity - or “durable,” meaning it goes into effect immediately. The challenge with a springing power of attorney is it can be subject to disagreement and dispute between the holder of the power and another family member. One solution is to require the incapacity be certified by a physician, although even 8 RETIREMENT GUIDE

those findings can be disputed.

With the durable power of attorney, there’s no basis for contesting whether the holder of the power can act. The risk is the holder has the immediate right and ability to access and take action with respect to the financial assets subject to the power.

One possible strategy? Limit the power to specific assets. This won’t help if the grantor if the power is totally incapacitated and the holder may need access to all of the grantor’s assets.

A durable power of attorney is arguably less problematic, provided you are comfortable with the person you’re choosing.

The holder of the power has a legal obligation, as a fiduciary of the grantor, to act in the best interests of the grantor and not in his or her interests.

It makes sense to have a power of attorney so you know your financial affairs will be attended to. The alternative could be a costly judicial process and court appointment of someone to manage your assets while you are living and unable to do so yourself.

LIVING WILL AND HEALTH CARE PROXY

A “living will” ensures your health care wishes are acted upon if you are unable to make such decisions. It lets you describe the types of treatment you do or don’t want under specific circumstances. For example, if you have a terminal illness, you may not want extraordinary measures taken to save your life.

The challenge is it’s almost impossible to anticipate all possible scenarios to indicate what health care treatment you’ll want.

An alternative to a pure living will is a “living will and health care proxy,” wherein you designate an individual to make health care choices for you. The

living will portion describes in general terms your health care philosophy, and the health care proxy allows you to name an individual to make health care choices for you consistent with that philosophy. The choice of such an individual is important, and you should make sure you are comfortable he or she understands and will act consistent with your wishes.

You should have a living will drawn up as part of your basic estate planning. Again, the alternative is a costly legal process for someone - maybe not of your choice - to get appointed as your proxy to make health care decisions on your behalf.

LAST WILL AND TESTAMENT

A “last will and testament” serves several important purposes, including determining how your assets are distributed, who’ll care for your minor children and who’ll invest and distribute property held in trust for your children, grandchildren or other beneficiaries. The basic function of a last will and testament is to ensure your assets are distributed as you’d want.

Absent a will, your assets will be distributed in accordance with applicable state law.

You’ll also designate the legal guardian, and possible successors, for any minor children who survive you and your spouse.

This is one of the most important and difficult decisions for parents - so difficult that it sometimes can hold up the entire estate plan. But agreement by the parents is important and avoids the possibility of someone else being court-appointed who may or may not share your child-rearing views.

With the increase of the federal estate tax exemption and an individual’s ability to use the

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exemption of a deceased spouse, trusts for federal estate tax planning have been made largely irrelevant for most individuals.

However, if you have minor children who could take property if both you and your spouse die, or grandchildren who could take property if a child of yours dies and leaves children, you’ll probably need trusts to hold property for those beneficiaries.

Such trusts will enable you to determine who’ll invest the trust property, how it’ll be used for the child’s benefit and at what age the beneficiary will receive the remaining property.

Think you don’t have a large enough estate to warrant setting up trusts for your beneficiaries?

Consider even the most basic estate when you own a house, have retirement assets and maybe additional investments or property. Given the total value of these assets, you’d probably want to hold them in trust for minor heirs. If there’s life insurance, a trust for younger beneficiaries will almost certainly make sense.

Although federal estate tax is no longer a significant consideration for most individuals, you may want to consider the cost of state estate tax. The state exemption is sometimes less than the federal exemption, and state estate tax can take a meaningful bite out of what you expect to leave to your beneficiaries.

Prudential Financial, its affiliates, and its financial professionals do not render tax or legal advice. Please consult your tax and legal advisors for advice concerning your particular circumstances.

The Prudential Insurance Company of America, Newark, NJ and its affiliates.

February 26, 2017

Health Care / Chiropractic Rocky Mountain Spine and Disc: Healthcare Designed For the Individual Local Chiropractic clinic implements successful, integrative approach Dr. John A. Smith and his wife, Dr. Carla Irven (Smith), will be the first to admit they chose a bad time to open a practice. The couple returned to the Loveland area and opened Rocky Mountain Spine and Disc, an integrative healthcare facility, in the spring of 2009.

“It was really one of the worst economies in recent history,” says Smith. “We were able to make it through sheer will, determination, honesty, and getting results on hard-totreat conditions.”

Rocky Mountain Spine and Disc will be celebrating their 8th anniversary this year. The comfortable, state-of-the-art facility is conveniently accessed from Fort Collins and Loveland and even features an animal chiropractic wing. Dr. Irven is certified in Animal Chiropractic and has a long history of working with animals.

“Most animal chiropractors work in a veterinary office or travel, but we have built a wing on the office,” says Irven. “It’s a big deal to me and I’m very happy we have it.”

Animal or human, the secret to success is the same: the patient comes first.

“We’ve always tried to add things to the practice that are better for patient outcomes,” Smith says. “Our treatment protocols have evolved and changed and, because of that, our clinical outcomes have also improved.”

A common misconception about chiropractic is that it can only be used to treat neck and back pain.

“Chiropractic is neuromusculoskeletal treatment, which February 26, 2017

is how we’ve developed a focus on extremity and nerve issues,” he says. “People generally think it’s just for neck and back pain, but it is beneficial to so much more,” he says. “I always ask new patients to put their preconceptions aside and realize that it’s likely that what they’ve received before is quite a bit different from what we offer.

We take a more integrative approach.”

This integrative approach considers the whole person as an individual. At Rocky Mountain Spine and Disc, the chiropractic adjustment is often just a single part of a larger, more comprehensive treatment that includes other therapies such as class IV laser, decompression, and nerve stimulation to complement spinal and extremity rehabilitation.

“We really come up with a full recipe that’s different for each individual patient as opposed to just chiropractic,” Smith says. It is this combination of cutting edge therapies that takes their practice to the next level.

If success rates are any indication, this integrative approach works. One patient, John Martinez, had two knee surgeries before discovering Rocky Moun-

tain Spine and Disc. After using their services for four weeks, he’s seen dramatic improvement in his knee pain without having to undergo another surgery.

“I was a little skeptical at first,” he says. “But after my first treatments, I feel so much better. I’ve even mentioned to my coworkers how great it’s been.”

Dr. Smith explains that many of his patients have had previous surgeries and still struggled to find a solution for their pain.

“Most people come in here and they tell us this is their last stop, they’ve tried everything else,” Smith says. “There is sense of hopelessness for a lot of our patients. We’re able to attain results they haven’t achieved anywhere else.”

Rocky Mountain Spine and Disc treats a variety of health problems, most of them complex and complicated. Smith says that a majority of the practice’s patients are seniors dealing with knee pain or peripheral neuropathy, a nerve condition.

Regardless of the condition, the practice makes an effort to achieve a greater quality of life for the patient without drugs or surgery.

“We help people avoid surgeries like knee replacements and

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get back to the things that they want to do,” Smith says.

Dr. Irven says Rocky Mountain Spine and Disc won’t accept patients unless they are confident they can help.

“We only accept those who we know we can help,” she says. “We know ahead of time based on experience whether we can help you or not.”

Dr. Irven is a self-identified “connector” and she says this quality has great benefits for new patients. She walks new patients through their initial visit and explains why and how she and her staff can help. This wealth of information helps individuals contribute to their recovery.

“I tell patients they have to be an active participant in this office,” she says.

Irven and Smith take great pride in owning a family practice that serves not only the Loveland and Fort Collins communities, but also has patients who drive from Nebraska and Wyoming for their help.

“In an environment like this you get treated like family,” Irven says. “It’s in our nature.

It’s in the foundation of what we do. Here, the most important thing we do is we treat each person as an individual.”

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Healthcare / Dentistry Loveland Dentistry & Dentures

At Loveland Dentistry & Dentures, Mel Hildebrand, DDS, is committed to providing the highest quality, comprehensive general dental care.

Dr. Hildebrand earned his Bachelor of Science in Molecular Biology at the University of Wyoming. He then went on to complete his DDS degree at Creighton University in Omaha, Nebraska. A lifelong learner, Dr. Hildebrand is dedicated to continuing education and is a Fellow in the Academy of General Dentistry.

He says, “Patients receive time for individual care based on their needs, circumstances, concerns and objectives. We are committed to a relationship so we can better understand how to solve a specific concern. We maintain a family practice with emphasis on restorative, cosmetic including overall jaw system (TMJ).”

In the comfortable, state-of-theart office, “Patients receive quality restorative care, dental implants, custom dentures, cosmetic den-

tistry,” among many services, Dr. Hildebrand explains.

Dr. Hildebrand is proud to offer his patients the most advanced and comprehensive care possible, especially smile-transforming treatments like the dental implants, porcelain veneers, and professional whitening.

He stays up-to-date on new technologies and is at the forefront of implementing advanced techniques and equipment in routine dental services. One of his favorite new technologies is the 3D digital X-rays, which give him unrivaled diagnostic capabilities with significantly less radiation than conventional X-rays.

Most insurance is accepted, and CareCredit Financing is available.

Some special offers for new patients or for major procedures may be applicable.

As one of their mottos says: “Friendly staff. Beautiful smiles.

Welcoming environment.”

Loveland Dentistry & Dentures is located at 274 E. 29th St., Loveland. Call (970) 744-2345 for an appointment. Hours are Monday – Thursday 8 a.m.-5 p.m.; Friday 8 a.m.-12 p.m.; Saturday by appointment, or emergencies.

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Locally owned dental office 10 RETIREMENT GUIDE

3 sneaky tricks of heart disease (BPT) - Over the decades, we’ve seen great improvements to medical care and lived longer lives. But new health data in a recent report might shake up our complacency: The federal government finds that life expectancy for Americans has dropped for the first time in 25 years.

Though the factors are complex, it has health experts and doctors taking a hard look at the realities, including our rising obesity rate and the fact that doctors may be reaching a limit on what they can do to treat heart disease.

“The report, though troubling to any family doctor, can be used as the basis of a wake-up call to anyone to improve their health,” says Andrew Manganaro, MD, FACC, FACS, Chief Medical officer for Life Line Screening. “That is especially true for those who have been diagnosed with a risk factor for heart disease.”

Manganaro urges patients ages 55 and older to be proactive with their heart health by scheduling regular doctor visits and following their doctor’s instructions. In addition, he recommends making regular cardiovascular screenings a part of your wellness routine.

Not convinced you need a screening? These three realities of cardiovascular health might change your mind.

1. Heart disease is often silent.

Problems with the cardiovascular system can creep in gradually.

Fully 80 percent—4 out of 5—of people who have a stroke have no symptoms beforehand. High blood pressure, high cholesterol and coronary artery disease are often silent, partly because the warning signs are not what most people expect. Symptoms are less obvious, such as a headache, shortness of breath or pain in the jaw. Even if you are already taking steps to manage risk factors, a screening will give a picture of the health of your cardiovascular system.

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2. Minor conditions are easy to ignore.

Even if your screening doesn’t reveal you’re at a very high risk of suffering a stroke or heart attack, don’t be complacent. Because your cardiovascular system is interconnected, plaque in one artery makes it very possible that plaque will eventually show up elsewhere. For example, a diagnosis of peripheral artery disease is a condition that is associated with leg cramping, but that’s a diagnosis that should be taken as a warning. Because these leg arteries are literally narrowing, it could mean that the arteries to the brain could also narrow, creating the ideal conditions for a stoke.

Likewise, if arteries to the heart were to narrow, that could lead to heart attack or heart failure.

3. Oral health is a window to artery health.

For decades, researchers have seen a connection between oral health and heart health. Back in the 1920s for example, doctors thought they could cure heart disease by extracting teeth. While the connection is not yet fully understood, we do know oral plaque has a relationship to carotid artery plaque. Manganaro encourages patients to also see their dentist regularly and take good care of their gums and teeth.

The good news is you don’t need a prescription or take a trip to the doctor’s office to have preventive health screenings for cardiovascular disease. Life Line Screening performs affordable testing in community settings throughout the country. This testing will reveal where carotid artery plaque buildup is located and how much. This could translate into lifesaving treatment for you, or simply offer peace of mind. To find out when a screening clinic may be scheduled in your area, visit lifelinescreening.com/HeartCheck or call (877) 754-9631.

February 26, 2017

Health Care / Exercise

A senior-friendly workout to improve movement and prevent injury (BPT) - Exercise is good for everyone, but seniors with mobility or balance issues may wonder what kind of exercise they can do that will be safe, easy and effective. Jogging outdoors, running on a treadmill or lifting weights at the gym aren’t always practical - or enjoyable - activities for everyone.

However, one type of exercise works for everyone, no matter your age or ability, because it relies on improving practical movements often involved in everyday activities.

“Natural movement is universal, and it’s about bringing movement back to the basics,” says Bradly Prigge, wellness exercise specialist with the Mayo Clinic’s Healthy Living Program. “It’s not about following the latest fitness craze or learning the newest secret to weight loss. Natural movement is about connecting with your body and cultivating an awareness of your full abilities.”

Rather than engaging in strenuous activity for its own sake alone, natural movement training emphasizes improving the efficiency of practical movements which can include rising from a seated to a standing position, getting up off the floor, crawling, stepping under or over objects, and more. The objective, Prigge explains, is not just to improve health but also enhance how well you can perform each movement.

Efficient movement can help with balance, inspire more healthful activity, and provide practical benefits in everyday life - all of which are especially valuable to seniors facing mobility or health challenges.

“The practice and training of movement shouldn’t feel like a chore or something you have February 26, 2017

to do,” Prigge says. “Rather, it should empower and liberate you, and, as a result, enhance your life. Natural movement training can help improve your strength, mobility and conditioning, but they’re not the direct goal. Those improvements are the result of practicing and developing movement skills that are directly transferable to real world situations, like rising from a seated to a standing position, walking with balance and confidence, and lifting a bag of groceries without injury.”

Natural movement is for everyone because at its most basic level it incorporates movements that are instinctual to all humans. For example, a natural movement workout might include crawling on your hands and knees for 30 seconds to a few minutes, sitting on the floor and swiveling hips and knees to facilitate standing up, or balancing while walking across a beam.

“I realized just how organic this type of exercise is after attending a natural movement training class,” Prigge says. “I came home and saw my 2-yearold daughter doing the same

kind of moves I’d just learned in training, without anyone teaching her to do them.”

Prigge offers some advice for making the most of your natural movement workout: • Pay attention to your movement and strive to develop awareness of your body’s sensations, and how different movements feel. For example, where do you feel pressure and/or tension in your body when making a particular move? How does shifting your body weight or changing position alter those sensations?

• Only perform movements and positions that your body allows without producing pain. Just as walking, sitting, standing and other everyday movements shouldn’t cause pain, your natural movement workout should also be pain-free.

• It’s alright - and even advisable - to use your hands for support or raise your hips with bolsters or pillows until you develop greater mobility and strength.

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• Be kind to yourself and realize it is important to meet yourself where you currently are, rather than where you used to be or feel you should be.

To learn more about natural living and the Mayo Clinic Healthy Living Program, visit healthyliving.mayoclinic.org.

Whether you prefer gentle natural movement or somthing a bit more strenuous staying active is beneficial to continued life balance. If you think you’re interested in a guided workout or exercise activities, visit the Chilson Senior Center in Loveland.

CHILSON SENIOR CENTER 700 E. 4th St., Loveland 970.962.2783 ci.loveland.co.us/index. aspx?page=234 RETIREMENT GUIDE

11

Health Care / Hearing

Want a memory boost? Try a hearing test (BPT) - Intrigued by all the brain-training products out there to keep your mind sharp and spirits young? You may want to consider something else: A hearing test.

That’s right. Mounting evidence links untreated hearing loss to impaired memory and diminished cognitive function.

What that means is, if you keep brushing off that suspected hearing loss of yours, your cognition may pay.

Researchers have found that when people with unaddressed hearing loss strain to hear, they tend to do more poorly on memory tests. They may figure out what is being said, but because so much effort goes into just hearing it, their ability to remember what they heard often suffers.

Experts believe this has to do with what they call “cognitive load.” That is, in order to compensate for the hearing loss and make out the words, people with untreated hearing loss may draw on cognitive resources they’d normally use to remember what they’ve heard. Experts say that untreated hearing loss may even interfere with the person’s ability to accurately process and make sense of what was said or heard.

In fact, research shows that

people with poorer hearing have less gray matter in the auditory cortex, a region of the brain needed to support speech comprehension.

Other research shows a link between hearing loss and dementia. One Johns Hopkins study found that seniors with hearing loss are significantly more likely to develop dementia over time than those who retain their hearing. Another found that hearing loss is associated with accelerated cognitive decline in older adults. And a third revealed a link between hearing

(970) 593-1509

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loss and accelerated brain tissue loss.

Some experts believe that interventions, like professionally fitted hearing aids, could potentially help.

The bottom line is we actually “hear” with our brain, not with our ears.

So if you think you may have hearing loss, do something about it. Make an appointment with a hearing health care professional, and get a hearing test.

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12 RETIREMENT GUIDE

actually do to help protect your memory and cognitive function.

The Better Hearing Institute (BHI) offers a free, confidential online hearing check where people can determine if they need a more comprehensive hearing test by a hearing health care professional. Access the BHI Hearing Check at BetterHearing.org.

Follow BHI on Twitter @ better_hearing. Like BHI on Facebook at facebook.com/betterhearinginstitute.

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www.beltonehearingctr.com (970) 292-8023

February 26, 2017

Health Care/Vision Kirk Eye Center

Kirk Eye Center is a professional medical practice serious about eye care for the entire family: from toddlers to advancing-age adults.

Dr. Kirk founded Summit Eye Center in 1991 to bring better eye care to northern Colorado. The practice was changed to Kirk Eye Center in 2004 with the opening of their ultra-modern facility in east Loveland.

Our Doctors John D. Kirk, MD, FACS Dr. Kirk is a Board Certified Ophthalmologist and has practiced in Loveland since 1991. He is one of northern Colorado’s most experienced surgeons. His expertise includes state-of-the-art surgery for cataract, glaucoma, and eyelid problems as well as medical care for macular degeneration, diabetic eye disease, glaucoma and other conditions.

John W. Colvin, OD Dr. John W. Colvin is an optometrist, and has been in private practice for about 20 years. His

specializations include diagnosis and treatment of eye diseases, complicated contact lens fits, and reading issues as they pertain to vision.

Dr. Colvin attended CSU and earned undergraduate degrees in microbiology and biology. He attended Pacific University in Forest Grove, Ore. and earned a Doctorate in Optometry.

Summit Surgery Center In November 2015, the practice opened the outpatient Summit Surgery Center, conveniently located in the same building as the main eye center, ensuring that all of your eye care can be completed in one place.

Kirk Eye Center and Summit Surgery Center are in Loveland, west of the Promenade Shops at Centerra, on E. 15th St. You can learn more about the state-of-the-art surgery center by visiting Kirk Eye Center and speaking with Dr. Kirk in person.

Please call (970) 669-1107 today to schedule an appointment.

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Retirement Living

For 46 years under the same owner, the dedicated caregivers and medical providers of Columbine Health Systems in Loveland and Fort Collins have endeavored to make each day count.

“We’re about the human connections,” said Yvonne Myers, health systems director at Columbine. “At Columbine, you’re making friends and building relationships – and maybe living longer because of those connections.”

Columbine in Loveland includes three facilities at the corner of N. Taft Ave. and W. 29th St. Wexford extends relaxed living to independent seniors eager to hand over homecare, while Lakeview Commons offers assisted living to those seeking help with living activities, in addition to medication management, nursing care and occupational, speech and physical therapy. North Shore Health and Rehab furnishes long-term skilled nursing care and

rehabilitation services, as well as hospice care. Unlike most nursing homes, North Shore is staffed daily by nurse practitioners.

Columbine social directors keep residents on their toes. “Our activity program runs the gamut from cards, gambling pools, a walking group and serious bingo,” Myers said. A van shuttles residents to shopping and entertainment, including operas and Rockies’ games. “And the dining is spectacular,” Myers said. Meals cater to the tastes and needs of residents.

The proximity of the facilities means residents can move between homes. “We keep you at the highest level of independent living possible, but when you require additional care, the services are there,” Myers explained. Husbands and wives who age differently are able to live with or near their spouse, and pets are welcome. Myers added, “Our goal is making the end of your life as purposeful and as dignified as possible.”

For more, visit columbinehealth.com.

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, e n i b m A t ColuFamily. you’re Columbine Poudre Home Care & BLOOM at Home The Wexford – independent living Lakeview Commons – assisted living North Shore Health & Rehab Facility

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RETIREMENT GUIDE

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Retirement Living The Suites Fort Collins Welcoming seniors with world-class healthcare and personalized hospitality

Skilled Nursing • Rehabilitation Senior Living With restaurant-style dining by Zieglers, your family will actually want to eat here during your stay, and you may never want to leave. This is just one reason to come and discover how The Suites Fort Collins is healthcare redefined.

Visit: 4880 Ziegler Road Call: 970-223-4376 14 RETIREMENT GUIDE

Fusing world-class healthcare with personalized hospitality, The Suites Fort Collins beckons seniors to a luxurious, curated retirement experience. The Suites, which opened this year in Fort Collins, offers cutting-edge rehabilitation, treatment and assisted living care, all customized for each guest by a team of healthcare providers in a mind-stimulating and lavish environment.

Guests at The Suites Fort Collins are indeed “guests,” with The Suites’ concierges and healthcare providers perpetually on hand to assist. The Suites features spacious rooms for those requiring short- or long-term skilled nursing care or rehabilitative therapy, in addition to independent and assisted living suites with modern flair. For seniors, The Suites is a “luxury hotel and county club in one,” said Sheila Hoke, director of business development at The Suites Fort Collins. “Our team has a vision of providing the highest level of care that is customized for each guest and their specific needs.”

For those seeking short-term rehabilitative care, The Suites bridges the gap between hospital and home. Hoke explained, “As hospitals continue to face the pressures of discharging their patients earlier, we become the bridge and the solution to recovery in the quickest manner, so guests can resume their regular everyday life.” Guests requiring rehabilitation receive therapeutic and nutritional care in tandem with medical treatment. Prior to discharge from short-term rehabilitative or skilled nursing care, Hoke said, “a social worker meets with guests to plan their next steps and any further ser-

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vices they may need.”

For ultimate hospitality, some guests move in long-term. Suites are designed for both those who live independently and for those needing assistance with daily living. Studio and one-bedroom suites with kitchen amenities are available, and singles and couples are welcome. “We can give guests the freedom to continue to live on their own or with a spouse who needs extra care,” Hoke said.

Caregivers are available 24 hours a day to help with daily living care, medication management and physical transfers, such as from wheelchair to bed.

Guests at The Suites keep a grand calendar. Entertainment options include a theater for sports and movie viewing, two pubs, a therapy gym, multiple game rooms and libraries, Ziegler’s Restaurant and a casual bistro run by a local nonprofit.

Ziegler’s is a beloved gathering space. Cuisine is prepared from-scratch daily and adapted to all needs and therapeutic diets.

Favorites include the Reuben sandwich with corn beef brined and smoked in-house and smoked pork chops with apple cherry chutney.

Bingo, poker, book clubs, lectures and a slew of other social events occur weekly. Outside, guests enjoy the firepit yearround, plus a putting green and mile-long walking path. Activities are tailored to the needs of guests and constantly rotate.

“We believe The Suites serves the ultimate healthcare experience, one guest at a time,” Hoke said. “Our guests encounter an experience that is truly unique and memorable.”

The Suites is located near several hospitals and healthcare facilities, as well as an outdoor mall, and is easily accessed by I-25.

For more information, contact Hoke at 970-413-1655 or Sheila. hoke@thesuiteshc.com. Move-in specials for assisted living suites are currently available.

February 26, 2017

Retirement Living Good Samaritan Society – Loveland Village creates a unique Town Center and more From its beautifully landscaped 50-acre campus, Good Samaritan Society – Loveland Village enjoys a remarkable view of the majestic Rocky Mountains.

This well-established retirement community provides a full range of housing and healthcare services for those 55 and older and is home to more than 400 people.

A $3 million project to renovate the original apartment building has been under way since December. One aspect of the work is to create a new Town Center on the first floor of the building. It will boast a general store, café, library, game room, casual gathering spaces and fireplaces, and a clinic.

The second work site is in the basement Wellness Center, which is also being transformed. The pool is undergoing a resurfacing, a large aerobics area is being created, the exercise room is getting spruced up, and a small day-spa and juice bar are being added.

The new 10,800-square-foot Town Center will have a new outside entrance and the feel of a streetscape, with a storefront look for important destinations such as the library and healthcare center.

Previously, people in assisted living, or residents visiting the healthcare center, didn’t have easy access to all those services that were located downstairs. All that will change with the new configuration. Residents will easily be able to visit the library or meet a friend for coffee.

Architects with Belford WatFebruary 26, 2017

kins Group Architects of Fort Collins met with employees and residents of Loveland Village to ascertain their needs and determine how to meet them.

According to Holly Turner, Director of Senior Living at Good Samaritan Village, the project will be completed some time in June.

Turner points out, ““This has been in the planning for four or five years, and we have included our residents in the planning.

One of the biggest issues with seniors is they isolate themselves.

Our vision is that the Town Center will create a sense of community with many spaces where people can fit in. We already have life enrichment activities. By expanding the Town Center we’ll expand the Wellness Center, with a new cardio center, a spa, and a juice bar.

“In time, the thought is to open up to the community at large – for example, residents who live in the neighborhood.

We’ll increase the number of classes we are offering, and may offer inter-generational movement classes.”

Another goal in the greater community, says Executive Director Lisa Melby, is to be able to target older people who may be at risk for falls. She hopes to bring them in to the Loveland Village programs even though they live elsewhere in the Loveland community. “We have de-

veloped a very successful fall-prevention program.”

Following the renovation, in which 10 apartments will be replaced by the Town Center, Good Samaritan Loveland Village will have 103 apartments in two buildings.

They offer such services as housekeeping, meal service and maintenance.

Loveland Village also has 104 skilled nursing beds, including 14 memory-care rooms, 60 assisted-living units; and 80 twin homes around the main buildings. It offers a number of in-home care services as well.

For more information Visit Good Samaritan Society – Loveland Village at 2101 S. Garfield Ave. in Loveland. Call (800) 524-8439 or (970) 6693100 to schedule your personal tour and complimentary lunch.

Interview with a resident Peggy Haubold moved to Good Samaritan Village from Grand Junction last April to be closer to family. Her brother-in-law and his wife live here, too, her niece is on the staff, and her oldest son lives in Longmont.

“I really like the convenience here,” she says. “They do a lot for us. The staff and the other residents are very friendly and helpful. I had checked out the places in Grand Junction, and I’m really happy here and glad I made the move.”

When it comes to the renovations, she says, “We are all excited. I think it will be a big improvement. The biggest one is the exercise area, which will be enlarged. The library and media room and country store will be in a big open area, instead of in separate places.”

Reporter-Herald – ReporterHerald.com

RETIREMENT GUIDE

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Reporter-Herald â&#x20AC;&#x201C; ReporterHerald.com

February 26, 2017