Aging Well Fall 2023

A NEW OPTION TO AGE IN PLACE

“FALL” IN LOVE AGAIN… WITH SAN DIEGO

HOW WE GO ON, DR. KEN DRUCK

ANOTHER PIECE OF THE AGING PUZZLE

JULIAN FRENCH APPLE CAKE PG.14

Serving the 50+ Community in San Diego County

San Diego Oasis is an award-winning nonprofit organization that has been serving people 50+ throughout the San Diego region for the past 35 years.

Our mission is to promote successful aging through a three-fold approach:

• Lifelong Learning

We hold classes throughout San Diego County in 3 formats: in-person, hybrid, and online.

• Healthy Living

We offer sessions in fitness, dance, nutrition, life-style, and chronic disease management.

• Intergenerational Programs

We have hundreds of trained volunteers who dedicate their time to at-risk youth through reading tutoring, book giveaways, and mentorship programs.

TWO LOCATIONS TO SERVE YOU!

5500 Grossmont Center Drive, #269 La Mesa, CA 91942

17170 Bernardo Center Drive San Diego, CA 92128

La Mesa Rancho Bernardo

Navigating your future may bring uncertainity. Aging Well Partners can help discover your best path forward by empowering you with the vetted resources and trusted services that meet your specific needs. Your journey has a roadmap and we are here to help find it. Your Local Partners. Your Certified Senior AdvisorsTM.

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Fall into Wellness with Intentional Action

Fall is a stunning time of the year in San Diego. The beginning of the holiday season sneaks up on us with the start of Halloween, followed by Thanksgiving a few short weeks later, then the December holidays, and boom, New Year’s crashes onto our calendars.

It’s a bit of a whirlwind. I get less excited about the chaotic season each year. So I’ve decided to concentrate on what I do love and put aside the stuff I can easily live without, along with the guilt of not doing everything “I’m supposed to.”

As we age, intentional action is vital to a happy existence. The more we feel in control of our lives, the better we feel about life and can handle whatever is thrown our way. How We Go On, pg 16 the new book by bestselling local author Dr. Ken Druck , is evidence of the strength of the human spirit and the necessity of making lemonade when life gives us lemons.

Wellness is as much a state of mind as a physical achievement. You need both to thrive and to fuel the desire to get up with a passion to greet the day. Being stuck at home or reliant on others to get around can be challenging, and it may feel this is the only option; however, before you give up your independence, consider Durable Medical Equipment (DME). Life-Changing Medical Equipment You Need, pg 20 provides opportunities to learn or keep an open mind about.

The days are getting shorter, and if you tend to experience Seasonal Affective Disorder (SAD), pay attention to Beating SADness, pg 8 to help alleviate some symptoms. It’s real, and women are more prone to it than men.

Our resident Physical Therapist tackles the to-do list to Step Safely Into Fall, pg. before we lace up our shoes to hit the trails, spend a day at an amusement park, or walk a sandy beach. Four tips to mitigate injuries and falls before you set your compass for fun.

Fall in Love with San Diego pg. (again), motivated me to explore destinations I had never been to in San Diego County or to re-visit and see places I’d been to a million times (Julian, CA) in a new light. It inspired this month’s Julian French Apple Cake recipe, pg 14 and our cover! Yes, I used freshly picked apples from Julian. It’s incredible how great memories are created from an unplanned last-minute excursion around town.

Healthy Deposits Yield a Lifetime of Returns, pg 6 is our follow-up article on super athlete Patti Gerke (69) and her husband’s trek to the Dolomites in Italy and a report on how her 28-mile Pacific Coast Trail hike turned out. Did she pick the right shoes? I’m not one to spoil an ending.

Looking NOT to sell your house to fund your retirement? We’ve tracked down two options for you: A New Option to Age in Place, pg 30 and Another Piece of the Aging Puzzle, pg 18 gives two different ways to fund retirement. Knowledge and planning give you choices.

It’s Medicare Season; for some, this will be their first go-round with choosing a plan, and others are seasoned members. Still, PLEASE read up on Choosing the Right Medicare, pg 10 and the importance of an annual Medicare Plan “checkup.” What you don’t know can have lasting effects on the care and choices throughout

your life. A health crisis is not the time to wish you had chosen a different plan.

This month, we launch a new column called “Ask the Senior Care Consultant.” Julie Derry, CSA, and Jacqui Clark, CSA, Co-Founders of Aging Well Partners, share almost a decade of expertise on this critical subject. One Size Fits One, pg 22 and What are Senior Care Consultants and Why Use Them?, pg 23 kick off this crucial discussion of how to seek assisted living and memory care.

We spend a lot of time counseling and consulting, answering questions, providing information, dispelling myths, hand-holding, and reassuring families they aren’t alone in this overwhelming process. Moving is only sometimes a choice we want to make, but it needs to be done right the first time if the time arrives. It’s one of the most significant financial and life-changing undertakings you’ll ever do or commit to. We’ve got you covered.

I’m ecstatic that Fall is here. I love the big, powerful sunsets in our skies at the end of shorter Fall days. The quiet replaces the large summer crowds finally gone. It’s a snap to get a parking spot at the beach. Fall traditions trigger happy memories from years past, and family and friends seem to gather more.

Also, sad memories pop up on the second anniversary of my dad’s passing and how much he loved the holidays. It would be easy to get sour at this time of the year and just “get through them.” Still, I’ve decided to honor him by celebrating extra hard, making double the sweets, and sending off way too many holiday cards as he always did.

Sharing cherished traditions with family and friends gives our life the quality we seek as we age, AKA the much-needed purpose. I hope you find your sweet spot of Falling into Wellness this season.

Age Well San Diego

Jacqui Clark, CSA™

Editor

Co-Founder, Aging Well Partners

Jacqui Clark is a Certified Senior Advisor™ (CSA™), consultant with Living Coastal Senior Resources, and co-founder of Aging Well Partners. She is an industry-leading living-and-aging well expert, and a respected communications specialist. Jacqui@ LivingCoastalSR.com

“Wellness is as much a state of mind as a physical achievement. You need both to thrive and to fuel the desire to get up with a passion to greet the day.”

Health Deposits Yield a Lifetime of Returns

Hiking 28 miles of the Pacific Coast Trail in one day for the Make-a-Wish Trailblaze Challenge was a lifechanging experience. I chose the right shoes (Summer Issue 2023) and survived the cold-water crossing, downed trees, and rockslides. It was humbling.

I’m often asked why I push myself “at my age,” and the answer is simple: Hiking and staying active is adding to my health savings account for retirement. The more muscle, balance, and tone develop, the stronger and more agile your body becomes to sustain your desire to age well and on your terms.

Peter Attia, MD, founder of Early Medical, a medical practice that applies the principles of Medicine 3.0 with the goal of lengthening and improving lifespan, says, “Just as we want to retire with enough money saved up to sustain us for the rest of our lives, we want to reach older age with enough of a “reserve” of muscle and bone density to protect us from injury and allow us to continue to pursue the activities that we love.” That’s a powerful statement, and I believe it’s a potent recipe for aging well.

We all strive to stay independent, be able to make our own choices, and enjoy an active lifestyle. Like most people, I want to remain independent and live in my home for as long as possible, preferably right until the end. I must plan and work at it. Saying and thinking about it won’t help me reach my goal. It’s not a typical aging approach in the U.S., but I think it is time to embrace it.

I recently hiked the most spectacular region of Northern Italy - The Dolomites. They are called the most beautiful mountains on earth, which is an

understatement. They differ from the rest of the Alps because of their dominant rock type, dolomite, which forms sheer vertical walls of white, gray, and pink that rise abruptly from the green valleys and meadows. During World War I, the front line between the Italian and Austro-Hungarian forces ran through these mountains. It is a paradise for hikers and mountain climbers. It’s been a bucket list hike of mine for some time. Regardless of age or physical limitations, we all need to have bucket lists to reach for and check off. It’s the catalyst that keeps us thriving and moving forward.  There are several beautiful hikes in and around San Diego County, from easy to mild to complex and challenging. I hope you take the chance to lace up your walking shoes and venture on a new path this Fall.

EASY

Coast to Crest Trail at San Dieguito River Park

San Elijo Lagoon “Ecological Reserve”

Lake Murray Trail

Rose Canyon Trail

MILD

Eagle Rock – part of the PCT in Warren Springs

Cowles Mountain – highest point within San Diego City

Mission Trails Regional Park – South & North Fortuna

Torrey Pines State Nature Reserve

CHALLENGING

Mt. Woodson “Potato Chip Rock”

San Jacinto Trail – 10,810 FT Peak

Los Penasquitos Canyon

*For more information on all the hikes in SD County: San Diego County Hikes

Patti Gerke is a Senior Real Estate Specialist® (SRES®), a Certified Senior Advisor® (CSA®), and a Certified Aging in Place Specialist® (CAPS®). For the past 21+ years, she has specialized in working with seniors and their family members, utilizing her compassionate perseverance to provide guidance, assistance, and expertise when wanting to Age in Place with dignity and independence… or selling their home. She’s lived in Carlsbad for 39 years with her husband. Find Patti at patti@pattigerke.com

“There are several beautiful hikes in and around San Diego County, from easy to mild to complex and challenging.”

For Some of Us, It’s More Than an Emotion Do You Ever Feel SAD?

SAD, or Seasonal Affective Disorder, is a type of depression directly related to seasonal changes. That means that symptoms arrive and depart around the same time each year. SAD is strongly associated with the darker winter months, beginning in the late Fall or early winter and passing when sunnier days start.

Signs and symptoms of SAD include:

• Feeling listless or “down” throughout the day

• Losing interest in activities you usually enjoy

• Sluggishness and lower levels of energy

• Oversleeping

• Having difficulties concentrating

• Appetite changes and/or weight gain

• Feeling hopeless, worthless, or guilty

The causes of SAD are often related to your biological clock, drops in serotonin levels, and decreases in melatonin levels. Low levels of vitamin D have also been associated with SAD.

SOCIAL ISOLATION & LONELINESS

Older adults are more likely to struggle with isolation and loneliness throughout the year than younger people. Factors contributing to feelings of loneliness and isolation include living alone, chronic illness or hearing loss, mobility issues, and loss of family or friends.

Social isolation and loneliness are emotionally trying and can lead to poor physical health outcomes. In a recent study, the CDC linked loneliness and isolation to higher risks of dementia, heart disease, and stroke. It is also connected with depression, anxiety, and emergency room visits.

The Surgeon General released a report earlier this year that called social isolation and loneliness an epidemic in the United States.

SAD, SOCIAL ISOLATION, & LONELINESS

Long, dark months contribute to this already tricky situation. Rainy weather and early darkness make driving even more dangerous than usual, keeping people home. There are also fewer daylight hours, so time spent in nature or out in the community is shorter. Feeling down and

disconnected may also discourage people from seeking out social activities.

WHAT CAN YOU DO?

Since Fall is just beginning, now is the time to put a plan in place to counteract the SAD months. According to the Mayo Clinic, no known way to prevent SAD exists. However, you can take steps to manage the symptoms and prevent them from getting worse.

SEE YOUR DOCTOR NOW

If you tend to feel down for days at a time during the winter months, make an appointment to see your healthcare provider before it starts. This is especially important if you have a history of sleeping or eating patterns, feelings of hopelessness, or thoughts of suicide.

SEE YOUR DOCTOR IN A MONTH OR TWO

Be on the lookout for the symptoms listed above. Don’t wait to contact your healthcare provider if you notice them (particularly if they linger for days).

THERAPY & MEDICATIONS

Your doctor or health care provider might recommend psychotherapy or antidepressant medications. Your doctor might also test your Vitamin D levels and encourage you to take a supplement if you have a deficiency.

LIGHT THERAPY

Your doctor might recommend a light box, often called light or phototherapy. A light therapy box mimics outdoor light and is generally best used first thing in the morning for about 20-30 minutes. The FDA doesn’t regulate light boxes, so check with your doctor before starting treatment and clearly understand your options before purchasing.

GET ACTIVE

Don’t let a little rain or wind stop you from exercising!

You can get great exercise in your house, backyard or take a walk around the neighborhood. Exercise is good for physical and emotional health – keeping up with your normal activity levels is vital to maintaining a good mood throughout the winter months.

GET SOCIAL

Make plans with your family, friends, and neighbors. Make plans earlier in the day when it’s still light out. Create contingency plans for transportation. If you don’t feel comfortable driving in the rain, perhaps you can host a cocktail hour at your house. If plans are canceled due to weather, reschedule immediately instead of “touching base” later. Remember, a phone call counts as social interaction, so you don’t need to go anywhere to reach out and touch someone!

San Diego Oasis is a local nonprofit working to empower older adults and give them the tools they need to make a difference. San Diego Oasis is celebrating their 35th year of promoting healthy aging through lifelong learning, active lifestyles, and volunteer engagement. San Diego Oasis is currently located in La Mesa and Rancho Bernardo. You can also find educational and volunteer opportunities through County by visiting sandiegooasis.org. Kristen Amicone, Director of Outreach

SOURCES

Centers for Disease Control and Prevention. (2021, April 29). Loneliness and social isolation linked to serious health conditions. Centers for Disease Control and Prevention. https://www.cdc.gov/aging/ publications/features/lonely-older-adults.html Donohue, M. (2021, December 30). How seasonal affective disorder (SAD) affects seniors?. Blue Moon Senior Counseling. https:// bluemoonseniorcounseling.com/what-is-seasonalaffective-disorder-sad-and-how-does-it-affect-seniors/ Mayo Foundation for Medical Education and Research. (n.d.). Seasonal affective disorder (SAD). Mayo Clinic. https://www.mayoclinic.org/diseases-conditions/ seasonal-affective-disorder/symptoms-causes/syc20364651

US Surgeon General’s Office. (2023, May). Our epidemic of loneliness and isolation. HHS. https://www.hhs.gov/ sites/default/files/surgeon-general-social-connectionadvisory.pdf

Know Your Parts!

Choosing the Right Medicare Plan is as Easy as ABC

Idiscovered Medicare was an intricate web of confusing rules and plans the day my mother’s Medicare Insurance lapsed in 2017 at 83 years old. One month after paying her premium online, the insurance company immediately refunded the payment to her bank account.

I called the insurance company and discovered my mother’s policy had been canceled ten months previously. I was in shock! The insurance company helped me put the pieces together of what had happened. To make a long story short, a series of intricately unlucky events led to the cancellation. Naively at the time, I thought, “Oh, I’ll just start the policy again.” Annoying but no big deal. I thought reinstating her insurance would be just a quick call, but it wasn’t.

Many Medicare rules of lapsed policies came into play, and I spent too much time fighting the system on many accounts, only to lose in the end. It was May 2018; my mom had no insurance for over a year, so I sought help from a Medicare agent I knew. It was with great disappointment that, after many months, this agent couldn’t help me. It was now October 2018, almost 15 months with no health insurance, and I decided that if an expert couldn’t help me, I’d become that expert myself and set out to learn everything about Medicare I could.

I did my research online, but my mom’s situation was complicated and became overwhelming. This was fast becoming another dead end. I heard about a Medicare presentation at a local senior center and attended it on a whim. Excellent and straightforward information was offered, and at the end of the presentation, I went up to Elizabeth Schulte of Schulte Insurance Agency, gave her a rundown on what had happened with Mom’s insurance, and she said, “I can help you.” I didn’t know it then, but I had just met my guardian angel of Medicare. Additionally, I quickly realized how important having the correct type of Medicare and never having a lapse in coverage was.

Liz sat down with me, and as she listened, I could see the problem-solving wheels in her brain turning. Within no time, she figured out a way to get my mom reinsured, and I took her advice to up my mom’s plan to the highest, most comprehensive coverage available because of where my mother was in her life. I knew it would cost more, but in the big picture (the end of days), I knew it was the right

decision for our family.

Being in the senior industry business, I knew what the last 3-6 months of dementia looked like, and precisely 15 days after her coverage started, my mom fell, broke her hip and arm, and spent the last three months of her life in the hospital and skilled nursing facility. When she passed in February 2019, her medical bills were over 150K, and our family didn’t have to pay a penny because of the insurance plan I had picked for her. Spending the extra money a month is often lifesaving regarding costs in the end. My parents lived on a small, fixed income, so this was a big sacrifice but well worth it.

My mother losing her insurance was a huge challenge, but it motivated me to learn about Medicare and find an expert to help me. The amount of knowledge I gained was invaluable. The financial savings for my family and the many times I’ve shared this information with family and friends or been able to direct a client into having an annual Medicare Checkup have saved families the heartache of lack of proper coverage, limited and frustrating healthcare options, or financial ruin.

When it comes to Medicare selection, one size fits one, and we all need something specifically for our life circumstances. Make your annual Medicare appointment today to ensure your health plan is prepared to serve all your health and financial needs in the new year.

JUST THE FACTS:

*There are many plans to choose from. Below is a basic overview, and Aging Well Partners recommends finding a local expert in your area to help you choose the right plan for your healthcare needs now and in the future. Costs and coverage vary based on plans in your area. Open Enrollment is from October 15th to December 7th. Medicare Open Enrollment is for people who are currently enrolled in Medicare. You can enroll in Medicare during

your initial eligibility period, including the three months before and after your 65th birthday. If you don’t enroll in Medicare at that time, you will have to wait until Medicare’s general enrollment from January 1st to March 31st each year. However, you will more than likely face penalties that, in some cases, could last a lifetime. i.e., Part D coverage.

TYPES OF MEDICARE

ORGINAL MEDICARE (PART A & B)

Part A – Hospital Insurance

Part B – Medical Insurance

*You can use any doctor or hospital that takes Medicare.

Coverage Includes:

Hospital – yes (Part A)

Medical – Yes (Part B)

Drugs – No

Covers Out-of-Pocket Expenses – No

ORIGINAL MEDICARE (PART A & B) PLUS:

Add a Medicare Supplement Insurance Policy (Medigap)

Add a Drug Plan (Part D)

*You can use any doctor or hospital that takes Medicare

Coverage Includes:

Hospital (Part A) - Yes

Medical (Part B) - Yes

Drugs - Yes

Out of Pock Costs – Yes

Vision, hearing, dental, etc. – No. You would need to buy a separate policy.

What do Drug Plans (Part D) include:

Adds drug coverage to Original Medicare

Consider consulting a Medicare expert yearly to determine if your Part D plan is still working for you for cost and coverage.

*Caveat – You may have a penalty for enrolling late in a Drug Plan (Part D). That penalty usually lasts a lifetime. Everyone should enroll in Part D as soon as they are eligible for Medicare.

What do Medigap Policies Cover:

It pays most of the 20% of costs that Original Medicare does not cover. Medigap plans differ in price and coverage, so use a Medicare expert in your area to explore what’s best for you.

You can only be dropped or have your coverage changed if you opt to change it.

*Caveat – Enrolling late in a Medigap policy, there may be restrictions, you may have to go through underwriting,

or in some cases, be denied coverage. i.e., You’ve had an Advantage Plan for years and decide you want to change to a Medigap policy. In most cases, you would go through underwriting to determine if you can buy a Medigap plan.

MEDICARE

ADVANTAGE PLAN (Part C)

– It

bundles Part A, B, & D Coverage Includes:

Hospital (Part A) – Yes

Medical (Part B) – Yes

Prescription Drugs - Medicare Advantage Prescript Drugs (MAPD) plan – Yes

Prescription Drugs - Medicare Advantage (MA) plan - No

Help with out-of-pocket costs – Yes

Vision, hearing, dental, and sometimes additional benefits – Yes, but some plans require an extra fee

*You can only use doctors and hospitals in your network. This plan is not accepted everywhere unless you need emergency care and your network is unavailable.

**Can you switch out of a Medicare Advantage plan? You can change out of a Medicare Advantage plan during the first 12 months of enrollment. After the first year, you will need to go through underwriting, and often, coverage is denied due to current medical conditions.

FINAL NOTE:

For nearly a decade, I’ve helped people move to assisted living, memory care, residential care homes, age in place at home, and seek Home Health and hospice services. One of the significant obstacles families often face is the challenge of navigating a Medicare plan that doesn’t work for themselves or a family member. When you need medical treatment, it’s crucial that your plan offer critical benefits: choice of doctors, choice of treatments for a disease(s) and protracted illnesses, choice of hospitals and skilled nursing facilities, and access to mobile doctors where you are living, be it at home or in an assisted living or memory care community.

If your plan isn’t working for you, and it’s not open enrollment, sometimes, exceptions allow you to change it outside of open enrollment. Consult your local Medicare expert for details.

By Jacqui Clark

A huge thank you to Elizabeth Schulte of Schulte Insurance Agency for allowing me to pick her brain for this article and her continued support and expertise to families as they navigate the continuously changing landscape of Medicare. Contact: liz@schulteinsurance.com (760) 436-1184,  www.schulteinsurance.com

“Fall” in Love Again… with San Diego

In the blink of an eye, it’s Fall again! It’s hard to believe Summertime is behind us, and now we get to take advantage of our great weather and visit fantastic spots in San Diego. Julian is one of my favorite places to go in the Fall. Julian is a quaint old mining town northeast of Downtown San Diego. While it is no longer a mining town, it is still home to some of the best apples around, and Fall is prime apple-picking time. Stroll down Main St. to visit the shops selling everything apple: apple pies, apple cider, apple sauce, apple butter, and so much more. You can also do your apple picking – but only during the Fall. Julian also has antique shops, museums, playhouses, and bison burgers. Fall is an extraordinary time of the year in Julian, and if you’ve never spent a day picking apples, it’s not too late to try it. Julian

Apple Orchards

While much of the rest of the country is taking out their cold-weather clothes, San Diegans are still enjoying the beach. I love going to the beach during the Fall because it’s less crowded, the weather is still lovely, and the water is warm. With easy parking and local restaurants wide open, any day is the perfect beach day. Plus, you’ll see some of the best sunsets during Fall. With so many world-class beaches along San Diego’s coastline, commit to visiting a new shoreline you’ve

never dipped your toes into. Remember your picnic basket!

It’s always fun getting spooked, and there is no better place to get spooked than the Haunted Trail in Balboa Park during Halloween. You will get to see two terrifying haunts in one location. You will know why the Haunted Trail has been named in America’s Top 5 Haunted Attractions. While in Balboa Park, you can enjoy the 16 unique museums, multiple performing arts venues, superb gardens, trails, and many other creative and recreational attractions, including the world-famous San Diego Zoo.

While these are a few places I enjoy going during Fall in San Diego, there are many other great places to check out. Make your list of places YOU want to go, invite a friend, and get started on your adventures.

Bryan Devore is a Seniors Real Estate Specialist and Director of the Senior Division of Berkshire Hathaway HomeServices California Properties. When he is not helping seniors make the transition to the next chapter of their lives, he stays busy with his wife, two sons, and his “bonus” son and daughter. You can learn more about Bryan at www.DevoreRealtyGroup.com

“Summertime is behind us, and now we get to take advantage of our great weather and visit fantastic spots in San Diego.”

Julian French Apple Cake

It’s apple-picking time in Julian, CA, and the holidays are upon us—time to bake anything apple from pastries, muffins, cakes to cobblers. Apple pie usually appears at most Thanksgiving tables, and everyone thinks their recipe is the best, but the best thing about an apple pie during the holidays is the traditions, not the recipe.

Whether it’s Aunt Flo’s Famous Flambe or the Cherry Cheese Pie, my sisters and I were introduced to one Thanksgiving at my cousin’s house, where we swore it would be the worst holiday yet (away from home). However, it ended up being one of the best memories we recall to this day, thanks to my Aunt Bluebell’s (her nickname) delicious cherry cheese pie she served up for our Thanksgiving table.

Fast forward to a birthday celebration decades later, and my best friend baked up her family’s secret recipe to share with me on my special day, and yep, you guessed it, Cherry Cheese Pie. Apparently, her mom and my aunt read the same magazine back in 1980.

But that’s how traditions get started. Chance circumstances. I wouldn’t dream of introducing a new “best” apple pie recipe, since we all have our favorite tucked away in our tattered recipe boxes, ready to hand down to the next generation. So, I went in search of a new apple dessert that might make it to a holiday table, create new memories, and inspire brand-new traditions.

I gathered my sisters for a trip to Julian for a day of apple picking and exploring the quaint towns of Ramona and Julian. We took our time and stopped in at previously unexplored destinations, chatted with a handful of local business owners,

and even met up with a native Julian, flying a kite from atop an RV. He eagerly shared that he spends most of his retirement days camping in his RV, enjoying the mountain lifestyle and just feeling grateful for each day.

I was greeted by the warm and welcoming entrepreneurs, eager to gab about their creative, small, thriving businesses. CattleDogCafe in Ramona was a standout.

Their array of delicious selections of pastries, muffins, cheddar sausage biscuits, ham and Swiss croissants, and even gluten-free treats were a foodies’ paradise. An extensive menu of specialty coffees and, of course, the run-of-the-mill cup of Joe is available. The atmosphere is relaxing, with people reading the paper, sipping their coffee, and enjoying the brilliant sunshine that shines down in abundance on this small town.

Onward to Volcan Valley Apple Farm (Instagram: VolcanValleyAppleFarm ). We set off in search of the perfect baking apples for our French Apple Cake. We got a mini education on apples, sampled so many we couldn’t keep track at the end, and in a few hours, were ready to seek air conditioning, a cold drink, and begin our baking before we ran out of steam.

Bakers at heart, we did our homework, tweaked various recipes, and made adjustments along the way until we were satisfied with the recipe and deemed it holiday-worthy. By 8 p.m. that evening, two delicious cakes were ready to be sampled. The consensus was clear. YUM!

Exercise, new adventures, socializing, fresh mountain air, and time with family. Fantastic! Make the time to create your own amazing Fall Day. Without further ado, I present the Julian French Apple Cake.

JULIAN FRENCH APPLE CAKE INGREDIENTS

• 1 cup all-purpose flour,

• 1 teaspoon baking powder

• ¼ teaspoon regular or fine salt

• 1 stick (½ cup) unsalted butter (room temperature) *

• ⅔ cup granulated sugar*

• 2 large eggs (room temperature)

• 1 teaspoon vanilla extract

• 3 Tablespoons Meyer’s Dark Rum*

• 4 Cups baking apples cut into ½ inch cubes (I used a combination of Julian apples: Granny Smith, Jonathan, Gravenstein, Empire, but you can use any favorite baking apple)

TIP: Coat the cut-up apples in flour before adding to the mixture so apples don’t sink to the bottom of the pan while baking. Turbinado or Confectioners’ sugar for decorating cake (if desired)

INSTRUCTIONS

• Preheat oven to 350°F. Bake for 40 minutes. The cake is ready when the top is golden, and a toothpick comes out clean from the center.

• Grease a regular cake or 9-inch springform pan with butter. If using a regular cake pan, line the bottom of the pan with parchment paper and grease again.

• Whisk together the flour, baking powder, and salt in a small bowl. Set aside.

• Cream the butter and granulated sugar using a mixer until light and fluffy. Add eggs, one at a time, beating well and scraping the sides of the bowl as needed. Beat in the vanilla and Meyer’s rum. Add flour mixture and mix on low speed until just combined. Using a rubber spatula, fold in the flour coated apples.

• Pour into prepared cake pan of choice. Sprinkle 1 tablespoon of granulated sugar. Bake as directed. Cool on a rack in the pan. If using a springform pan, remove the sides. If using a regular cake pan, transfer it to a beautiful plate for serving. Use any type of sieve to sprinkle confectioners’ sugar (if using) on top of the cooled cake. Serve with whipped cream, ice cream, or any favorite topping.

TO MAKE A CINNAMON-INFUSED FRENCH APPLE CAKE: Make these Substitution and instruction adjustments:

*Use ¾ cup packed brown sugar in place of the ⅔ cup granulated sugar

*Use ¼ cup of Captain Morgan’s Spiced Rum in place of the 3 Tablespoons of Meyer’s Dark Rum

Add 1 Teaspoon of Cinnamon

Adjust Directions:

*Melt butter instead of using it at room temperature. Whisk your eggs until they are fluffy, and then add the melted butter, brown sugar, spiced rum, and vanilla. Combine. Add flour mixture and stir with a spoon until just combined. Don’t overmix! Add the 4 cups of cubed apples and fold into batter until combined. Pour into pan. Do not add sugar on top before baking. Bake as directed. Cool. Sprinkle with Powdered Sugar as desired.

Jacqui Clark is a Certified Senior Advisor™ (CSA™), consultant with Living Coastal Senior Resources, and co-founder of Aging Well Partners. She is an industry-leading living-and-aging well expert and a respected communications specialist. She loves to bake for family and friends. www.agingwellpartners.com

“Bakers at heart, we did our homework, tweaked various recipes, and made adjustments along the way until we were satisfied with the recipe and deemed it holiday-worthy.”

How We Go On

Compassion, Courage, and Gratitude

My beloved daughter, Jenna, embarked on a once-in-a-lifetime adventure, traveling through India. Tragically, she lost her life in a bus accident just 45 minutes away from the Taj Mahal, a symbol of eternal love. I received that devastating phone call from the State Department in my Del Mar, California home, and the pain was excruciating. Jenna’s death shattered my world, and I believed that joy was forever out of reach.

Fast forward twenty-seven years, and I find myself sitting on the beach, wrapped in a towel, with my three-year-old grandson, Stone. He gazes at cloud dolphins, offering a moment of rare stillness. I’ve learned to slow him down by creating imaginative stories together, much like the one we share that day at the beach. The love and joy I felt in that moment were unimaginable when Jenna passed away.

“How We Go On” is a question that resonates with us daily. It’s a profound inquiry that has intrigued philosophers, theologians, and thinkers throughout history. Our choices in navigating life’s challenges and transitions define us and shape our relationships, faith, and resilience.

In my new book, HOW WE GO ON, I explore the crucial role of self-compassion and self-care in our journey through life. Self-compassion has been the cornerstone of my life’s work for over four decades, as it has the power to transform our relationships, create deeper meaning, and nurture spiritual growth.

Here are ten simple steps to enhance self-compassion and live a more fulfilling life:

1. Self-Audit: Assess your inner critic and the negative self-talk that holds you back. Identify patterns of self-criticism and work on changing them.

2. Hand on Your Heart: Practice self-compassion by physically placing your hand on your heart and embracing kindness, patience, and self-love.

3. Defeat Self-Compassion Saboteurs: Recognize and neutralize the inner voices that undermine self-compassion. Challenge beliefs that equate self-compassion with weakness.

4. Thought Stopping: When negative thoughts arise, use “Thought Stopping” techniques to prevent yourself from

on the Path Forward

spiraling into self-criticism.

5. Leave the Courtroom: Imagine your inner critic as a prosecutor in a courtroom. Step out and enter the hall of justice, where you treat yourself with respect, fairness, and kindness.

6. Boost Esteem and Confidence: Daily, acknowledge your accomplishments and accept compliments without deflecting or downplaying them.

7. Elevate Others: Make an effort to appreciate and acknowledge the people in your life. Spread kindness and compassion, becoming an ambassador of goodwill.

8. Self-Care: Show yourself love by indulging in activities you enjoy or setting boundaries that prioritize your wellbeing.

9. Pay It Forward: Transform your self-compassion into acts of kindness and generosity towards others, making the world a better place.

10. Embrace Loving Kindness: The journey from self-condemnation to loving kindness brings limitless opportunities for a fulfilling life.

“How We Go On” is a profound question that shapes our lives. Through self-compassion and self-care, we can find joy even in the face of adversity, allowing us to live with courage, gratitude, and compassion. These ten simple steps offer a roadmap to a more meaningful and fulfilling life, where we heal ourselves and contribute to making the world a kinder place.

Meet Dr. Druck in person on Oct. 4 at 7:30 p.m. at Warwick’s, La Jolla, or on Oct. 23 at 10 a.m. at Oasis in Rancho Bernardo. Email info@kendruck.com for more info.

Dr. Ken Druck is one of the nation›s leading grief and resilience experts. Since losing his own daughter in a tragic accident at age 21 and later working with families after 9/11, Sandy Hook, and Columbine, he has dedicated his life to helping others learn how to face hardships and navigate life’s daily ups and downs. Dr. Druck is a best-selling author of more than a dozen books, including his latest, How We Go On: Self-Compassion, Courage, and Gratitude on the Path Forward. He is a recipient of the prestigious Distinguished Contribution to Psychology award and a speaker. Find him at www.HowWeGoOn.com

The Hidden Gem for Dementia Support

If you care for a loved one with dementia, you know all too well that the demands can be overwhelming. You are doing your best but are tired, frustrated, and behind on other responsibilities in your life, causing you great stress. If this stress is left untreated, it can significantly affect your health, relationships, and state of mind, eventually leading to “caregiver burnout.”

Caregiver Burnout is real and can be very dangerous. When you are experiencing it, it can be challenging to do anything, let alone care for someone else. Without adequate help and support, you may become vulnerable to various physical and emotional problems, from heart disease to depression. Other signs of caregiver burnout include anxiety, depression, irritability, and trouble concentrating. Common symptoms are feeling tired and run down, difficulty sleeping, and overreacting to minor situations.

Recognizing the signs of caregiver stress and burnout is the first step to dealing with this problem. Once you identify the symptoms of caregiver burnout and realize that full-time caregiving is no longer a healthy option for you or your loved one, it is time to seek help.

Remember, you won’t be able to care for someone else if you don’t care for yourself. Seeking support is vital! Finding the right professional care services, however, can be equally overwhelming, and often, families need help knowing where to start. Many entertain hiring care inside their home, while others consider placing their loved ones in a residential community. Both services can be extremely helpful, but what if you need more time to prepare for both? What if you want to keep your loved one living at home, but you just need a break for a few hours per week? Are there any other options? Don’t despair!

There is another option that is often overlooked, yet it provides an extremely valuable and affordable solution. It may be time to consider an adult day program. Adult daycare programs offer your loved one a change of pace and a welcoming place to go during the day, where they will be safe and supervised by professionally trained care staff. Your loved one will have an opportunity to socialize and participate in activities that keep them active and engaged.

Studies have shown that keeping the brain active can help slow the cognitive decline rate. Enrolling your loved one in an adult day program can also help decrease the risk of dangerous falls and wandering and reduce the incidence of hospitalizations and readmissions. In addition to providing activity, stimulation, and socialization for your loved one, you, as their caregiver, will have a chance to get some time to yourself to rest or tend to other duties.

The George G. Glenner Alzheimer’s Family Centers, Inc. is one such day program and is truly a hidden gem in San Diego. Founded by Joy Glenner and the late Dr. George G. Glenner, the world-renowned researcher and physician who discovered the link between beta-amyloid protein and Alzheimer’s, their centers offer vital respite for overwhelmed caregivers. With three locations to serve the San Diego community, they are open Mon-Fri, 8:45 am-5:15 pm, and each offers an activity program specifically designed for individuals with dementia.

Programming includes Music Therapy, Pet Therapy, Art Therapy, and Reminiscence Therapy, and each day, your loved one will participate in at least one social, physical, intellectual, creative, or educational activity. Locations include Encinitas, Hillcrest, and Chula Vista.

Whether you seek respite care at one of the Glenner Centers or elsewhere, consider an adult day program to give you the respite to become a better caregiver and reduce caregiver burnout!

Lisa D. Tyburski, B.A. is the Chief Marketing Officer at the Glenner Centers, a non-profit organization whose mission is to provide affordable and accessible adult day care and support services to families affected by Alzheimer’s and other forms of memory impairment diseases. Their centers are open M-F, 8:45 am-5:15 pm. Tours are offered every day of the week by appointment only.

Contact: 619-543-4700

information@ glenner.org or www.glenner.org

Another Piece of the Aging Puzzle

Paying for Care or Retirement in a Unique Way

Did you know 2.5 million seniors will walk away from their life insurance policies in a year? They stop making the premium payments or “cash out” their policies – walking away with little or nothing. The reason? Because life changes and people do not know there is another option. There is!

Do not lapse or surrender your life insurance policy until you look at selling it. A life insurance policy – any life insurance policy (including a term policy) – is an asset that you own. As with any asset, it can be sold. For life insurance policies, the process is called a life insurance settlement, or life settlement for short. Through a life settlement, a buyer pays a client a lump sum of cash for their policy. In return, the buyer becomes the new owner of the policy, pays the premiums, and becomes the policy’s beneficiary. It may surprise you that life settlements have been legal since 1911 and are highly regulated by the Department of Insurance. But why exactly would anyone want to sell their life insurance policy? The bottom line is that the policy becomes unwanted, unneeded, or unaffordable. Examples include:

*A term policy that is coming to the end of the level premium period

*Perhaps a client only wants to “convert” part of a term policy – don’t let the balance go

*A policy is too expensive to continue paying the premium

*A spouse has passed away, or a client has gotten a divorce - the policy becomes unneeded

*The kids are gone and out of the house – the policy is not needed any longer

*A client has retired, and the premium does not fit into the retirement budget

*Clients are looking for ways to pay for long-term care needs: assisted living or memory care

*Clients are looking for ways to fund retirement

Here are three real-life clients and the reasons they sold their policies:

*A 66-year-old woman had a $150,000 term life insurance policy. Her beneficiary was her ex-husband. There were no children and no one she wanted to leave the money to. Since she didn’t need it anymore, she decided that selling the policy made sense to give her money for the

care she knew she would need in the future. The policy was marketed, and she sold it for $25,000, giving her the financial cushion, she wanted.

*A 78-year-old gentleman had a $250,000 term policy. He purchased the policy for his wife so she would be protected and could pay off the house if something should happen to him. The house had long been paid off, and his wife had passed away four years ago. His daughters were the beneficiaries. They had successful careers, and their families did not need the money. He decided to sell the policy to make his life more comfortable. He sold it for $128,500. That will go a long way to helping him stay comfortable for the rest of his life.

*A 72-year-old client had a $1,000,000 universal life policy with $6,000 in cash in it. The policy premiums were going up to $2,500 a month to continue the policy. He did not want to pay those premiums. He sold the policy for $150,000, giving him additional money for retirement, plus he increased his cash flow by $2,500 per month.

The numbers are staggering. Of the 2.5 million seniors mentioned, only 3100 sold their policies last year. That is a considerable gap. The reason is that clients and their advisors either do not know about life settlements or have misperceptions about what they are and how they work. On average, selling a life insurance policy through a life settlement generates three to five times the cash surrender value, so seniors who get rid of their policies without looking at a life settlement could be leaving a lot of money on the table.

You may be wondering how much a policy can be worth. The short answer is that it depends. The investor groups who purchase policies look at three primary factors in determining how much they would like to offer on a policy:

1. How much premium will they have to pay?

2. How long will they have to pay for it?

3. The face value, or death benefit, of the policy.

The smaller the policy’s annual premium, the more valuable a policy is for a client because the investor does not have to put as much money into the policy. The shorter a client’s life expectancy, the more valuable the policy is for a client because the investor will receive their benefit faster. And lastly, the higher the face value of the policy, the more potential value for a client because the investor will receive a

higher benefit. Typically, investors are interested in policies of around $100,000 or more, but this is not set in stone.

Policies can be worth zero, tens of thousands, or hundreds of thousands of dollars – all from an asset a client did not know they had. Properly marketing a policy takes 60 – 90 days, with the entire process from start to finish taking about three to five months. In many respects, selling a life insurance policy parallels selling a house.

An important fact is that if you wish to have your policy marketed, there is no cost to find out how much the policy can be worth, and if offers are received, there is no obligation to sell the policy. This service is a free, noobligation appraisal. If you have a life insurance policy that is no longer needed, wanted, or affordable, please do not lapse or “cash it in” before you look at a life settlement. There could be a surprise waiting for you in the money received from a “hidden” asset.

Lisa Rehburg is President of Rehburg Life Insurance Settlements, a life settlements broker with a fiduciary duty to clients to market their policies to obtain the highest amount of money. She has been in the insurance industry for over 30 years and proudly serves clients nationwide. She can be reached at (714) 349-7981, Lrehburg@aol.com, or www.rehburglifesettlements.com

“An important fact is that if you wish to have your policy marketed, there is no cost to find out how much the policy can be worth, and if offers are received, there is no obligation to sell the policy.”

Life-Changing Medical Equipment You Need!

No one gets excited about shopping for medical equipment or knows much about it before they need it. It’s not the “coolest” topic, but it could be if you understand the difference it can make in your life. Durable Medical Equipment’s (DME) life-changing benefits are often unknown, but it is usually life-altering once discovered. I have witnessed that for the last 26 years.

Long before I started Harmony Home Medical Supply, I grew up working in my mom’s DME store, and despite seeing so many client experiences, I recognize that each is unique. Everyone’s story is different: their diagnosis, prognosis, and home environment. Connecting with a great DME provider and the right product for your needs is an a-ha moment! Some of the most transformative products are those that improve or create independence and reduce caregiving costs. Specialty Patient Lifts, Support Surfaces like Air Mattresses, Custom Wheelchairs, and home access products like Stairlifts are all life-improving equipment.

When you improve or create “independence,” another word could be “mobility.” Moving becomes more difficult as we age, but it doesn’t happen overnight. An aging adult’s world gets smaller, but so slowly that sometimes they don’t realize what they have lost. They don’t want to use medical equipment (there’s still a stigma) and adapt by not leaving home. It can happen to even once-vibrant socialites.

That was precisely the case with “Mr. A.” He was a tough veteran who honorably served our country and raised a wonderful family in Kensington. He and his wife lived in their family home, in the neighborhood they’d been in for decades, yet slowly, Mr. A saw less and less of his cherished neighborhood. He was well-loved around town, a social guy, and eventually, the isolation led him to reach out to us for a proper power chair that could accommodate high positioning and transfer needs. It had tilt, recline, and suspension to do the bumpy sidewalks of his neighborhood. His wife had been encouraging him for years, and he finally gave in. He was custom-fitted, and when he hit the streets for the first time, he went straight to his favorite coffee shop. It had been over two years since he had been there, but everyone still knew his name when he rolled in. They were thrilled, and Mr. A was

in tears. Tears of joy that he had his freedom back. He hasn’t missed a day at the coffee house since.

As we age, getting a good night’s sleep is challenging. A True Low-Air Loss Alternating mattress can be life-changing It rotates a person or alternates where pressure is on their body while in bed. This product can duplicate the benefits of rolling someone, often recommended for patients with pressure sores or high risk. Often, families stay up around the clock to rotate their loved one every 30 minutes to an hour or pay caregivers to perform this necessary procedure.

That was the case for Karen. She was rolling her husband in the day and paying for caregivers at night. She was exhausted and eventually had to get costly 24-hour care. She was quickly running out of money when she discovered our store. We suggested a bed that raised his head higher to be more accessible for his care needs, and a laterally rotating true low air loss mattress. She spent 9K on the entire setup but paid that in one week for caregivers. She was able to cut paying for care hours in half and kept her husband home until he passed. His skin did wonderful and healed on the mattress that never missed a turn and kept his skin dry. It always showed up and never got tired. It was wonderful. She was able to sleep at night again, literally!

Mike and Mel, two long-time customers, both have cerebral palsy. For years, we have helped them stay independent with the right DME. From the right bed, power chair, and patient lift, these were products that were the difference between self-reliance and the need to pay for additional care or even move to assisted living. Mike had always transferred Mel with a patient lift, but his strength was lessening as he aged, and it was too hard for him to push the lift now. Their case worker suggested they may want to move to a facility, which was not their vision and life plan. They also loved their apartment downtown. I was called in to do a home assessment, and I determined a ceiling lift would make it possible for Mike to continue doing Mel’s transfer. The doctor and case worker agreed, and nine years later, they are still living independently using their ceiling lift.

It is incredible the capabilities that DME can give someone. We all do many things daily to care for ourselves and be independent. When just one of those activities

“When you improve or create “independence,” another word could be ‘mobility.’”

gets complicated, it can completely change our quality of life. Sometimes, medical equipment can be the solution to bridge that gap and make a difference in how you want to live your life…on your terms. Don’t fight it. Consider a local medical equipment expert if you need help to stay safe and independent. There’s a good chance there’s a solution for you First-time Customers, enjoy 15% off your purchase. Use Code AWP2023 instore or online.

Erica Sell, ATP, CSA, CAPS has been in the medical equipment industry since 1998, helping individuals understand their options for mobility and safety at home. She owns and operates two locations of Harmony Home Medical in San Diego. For more information: https://harmonyhomemedical.com/

“It is incredible the capabilities that DME can give someone. We all do many things daily to care for ourselves and be independent.”

One Size Fits One

Your aging journey is unique to you. What you want may differ significantly from what your friends or family members wish. While your aging journey is unique to you, there are specific needs for each of us to consider as we age. Your quality of life depends on your ability to have these needs met and whether you choose to age in place in your own home or choose to move into a community living situation. These needs include:

1. Social Connectedness

2. House Maintenance

3. Nutrition

4. Transportation

5. Medication Management

6. Assistance with Activities of Daily Living (ADLs) Social Connectedness is essential at any age, and it can look different at every stage of the aging process. It combats loneliness, which was recently declared a public health epidemic in America by the U.S. Surgeon General.

Social connectedness can decrease the risk of developing and worsening heart disease, anxiety, high blood pressure, dementia, depression, and diabetes. Choose activities you enjoy and would enjoy doing with others - learn something new, join a fitness class, or walk your neighborhood with a neighbor. Volunteering is another fantastic opportunity to connect with others while contributing to your community. House Maintenance and the associated tasks can become challenging to manage as you age. Perhaps climbing a ladder to clean the gutters, trim the landscaping, or change the HVAC filter is no longer safe. Deferred maintenance can negatively impact the value of your home. There may come a time when bringing in services like housekeeping and landscaping makes sense. There are even organizations that provide Property Management services for your home while still living in your home. Nutrition can be harder to manage as we age. Meal planning, shopping, and preparation require a lot of effort and can become too much work even for people who have previously enjoyed cooking. This can lead to skipping meals and consuming highly processed foods that are easy to prepare but limited in their nutrients. According to the Administration for Community Living, almost 50% of older Americans are malnourished. Fortunately, there are many options for having meals or meal prep kits delivered to your home. Most in-home care companies also provide meal prep as part of their service offerings.

Transportation issues are a significant contributor to isolation among older adults. This can occur when driving or using public transportation is limited or stopped due to vision loss

and/or mobility limitations. There are also implications for health and wellbeing if medical appointments are missed due to a lack of transportation.

Options for transportation include rideshare apps, the San Diego Volunteer Driver Coalition (sdcvd.org,) and Facilitated Access to Coordinated Transportation (factsd.org). Many inhome care companies may also provide transportation. Medication Management includes ensuring that you get the right drug at the right time and dose. This is a critical consideration for your aging journey. Forgetting things is often a typical sign of aging. However, forgetting your medication or taking it twice can be life-threatening. Pillboxes and automatic pill dispensers can be helpful tools for managing your medication.

ADLs. According to the National Institute of Health, assistance with Activities of Daily Living (ADLs) includes ambulating, feeding, dressing, personal hygiene, continence, and toileting. As we age, it is common to need assistance with our ADLs. This assistance varies greatly depending on the individual. A person with dementia may be able to perform all ADLs easily but will need reminders to do so. In contrast, a person with physical limitations may remember the need to do their ADLs but will need assistance.

These needs will hold throughout your aging journey. What is unique to you is how you want these needs supported- you may choose to age in place in your own home for as long as possible, bringing in the services that you need as you need them, or you may choose to move into Assisted Living where these needs are met as part of the package. It’s your journey- enjoy the ride!

Julie L. Derry MBA, CSA As a Certified Senior Advisor (CSA), Julie helps families find independent living, assisted living, memory care, and in-home care. Her passion for serving the aging adult population is only exceeded by the satisfaction she experiences upon successfully helping her clients achieve peace of mind.

Julie is a founding member and past President of the San Diego Chapter of the National Placement and Referral Alliance. She is on the Board of Directors for Oasis Lifelong Adventure and Glenner Centers. In addition, she serves as the Board Chair for Oasis Lifelong Adventure.

What is A Senior Care Consultant, and Why Use Them?

THE FIRE AT THE CLIFF’S EDGE

I wish everyone knew that it’s usually a crisis when we meet our clients for the first time. Families in the complex terrain of senior care are akin to being at the edge of a cliff, urged to keep moving forward without a safety net. It’s a daunting situation, and that’s where Senior Care Consultants come in. They are problem solvers and provide transparent, direct, and empathetic support, ensuring that families don’t have to leap blindly. They are loaded with important information so you can make a sound decision for your loved one.

WHAT DO WE DO?

I am a Certified Senior Advisor ™ (CSA), Senior Care Consultant, and Certified Placement and Referral Specialist (CPRS). That’s a lot of acronyms, but what does it mean, what do we do, and why should you care?

The titles and acronyms mean the Placement and Referral Agent, also called a Senior Care Consultant, is educated, professional, and dedicated to serving seniors to their highest ability. They guide families through a complex field to find independent living, assisted living, memory care, residential care homes, and in-home care.

A good consultant also has enough expertise to understand and overcome a wide range of challenges you may be going through and provide up-to-date knowledge when seeking senior care outside your home. It’s an everchanging landscape specific to your city, county, and state. It’s essential to use a local expert.

The regulations, the cost, and the navigation are all different from city to city. For the person looking to move, it should always be a One Size Fits One approach. A seasoned senior care consultant will tick off all the boxes above and provide the information needed to choose the perfect new community with the care and love you or your family members need and deserve.

A CSA™ (Certified Senior Advisor) is a designation of a specialist in aging who has been educated in:

• Anthropology and Sociology

• Family and Aging

• Health & Wellness

• Lifestyle Aspects

• Financial Aspects

• Eldercare Planning

• Legal Aspects

• End-of-Life Planning

• Ethical Issues

The National Placement & Referral Alliance (NPRA) is a national trade association seeking to raise the bar in the senior placement industry through education, advocacy, and the elevation of professionalism.

CONFIDE IN CONFIDENCE

One of the key benefits of using a placement agent is the ability to share your concerns and confidence in a supportive environment. My mother lived with Dementia for 12 years before she passed, and this first-hand understanding of the field of landmines families walk through to navigate care is the passion and insight brought to each family I work with. I am not alone in this. So many wonderful colleagues I have in this field also bring that same dedication to families. The understanding of Medicare, disease, cognitive behaviors, family dynamics, financial challenges, exhaustion, hopelessness, and frustration are typical daily issues we manage. It is a passion for many.

A TICKING CLOCK

Waiting too long to make a move to senior living or seek in-home care can be detrimental to your health. Everyone thinks they are further away from needing help than they realize. Families often feel overwhelmed, alone, and unaware of the best options, so they do nothing and wait for the “right time.” A skilled consultant can get you moving in the right direction.

RELIEF

The role of care consultants is indispensable. They bridge the gap between confusion and clarity, myths and truths, and anxiety and peace. When seeking housing and care outside the home, consider the invaluable expertise of a Senior Care Consultant who is also a CSA™. You won’t regret it. Just like searching for assisted living is a One-size-fits-one model, so is choosing a Senior Care Consultant to work with. We are not all equal in dedication and experience, so do your homework, but there is someone out there for you. Age Well.

Jacqui Clark is a Certified Senior Advisor™ (CSA™), Senior Care Consultant with Living Coastal Senior Resources, and co-founder of Aging Well Partners. She is an industryleading living-and-aging well expert and a respected communications specialist. She has been blissfully working with aging adults for almost a decade. Jacqui@LivingCoastalSR.com

Reduce Anxious Thinking, Increase Fulfillment

Successful aging, the heart of the Living to 100 Club, involves a certain resolve to not worry about things we cannot control, a focus on things we can do instead of cannot do, and many other changes in our thinking. As I like to say, it’s rarely a smooth road ahead as we face advancing years. There are always bumps and potholes, and staying positive on this journey, regardless of what gets in the way, goes a long way toward healthy aging. I can cite a quote from Stephen Hawking, a famed theoretical physicist who died from amyotrophic lateral sclerosis (ALS): Intelligence is the ability to adapt to change. Healthy aging requires shifting attitudes, focusing on solutions, and optimistic interpretations of events. It involves positive perceptions of what is going on around us. If we look for what’s good about a situation, we’ll usually find it. And, if we look for what’s wrong with a situation, we’ll usually find that, too. This sense of resolve can be expansive and empowering. It can assist when we need to be resilient in facing challenges and loss. It means that you put your awareness on anything good in any situation.

On the other hand, anxiety and unnecessary worry come from a perspective that zeroes in on everything wrong. Here, the glass is always half empty. Our views become constricting and disempowering. Those with anxious thinking have not mastered the attitude to stay flexible, focused, and resilient. Here are five attitude shifts that can help:

• Focus on what you can control, not on what you can’t – the more we value things outside our control, the less control we have. It creates worry and a feeling of powerlessness. We have control over our thinking, our diet and exercise, our opinions, and our kindness toward

others. We have power over our minds, not over outside events like foreign policy, food prices, and the weather.

• Focus on what you can do, not on what you can’t – it’s so easy to dwell on what we can’t do that we miss the things we are still good at. We stress about what can’t be done, lose sight of solutions, and feel frustrated and useless. Let’s stop focusing on failure and instead direct our energy to possibility. Try asking yourself what challenges you overcame in the past week, something you did that you can be proud of.

• Focus on what you have, not on what you don’t have –what do you have to be grateful for? What resources do you have, and what solutions and opportunities are there from what your resources are? This brings gratitude clearly into the picture. Dwelling on lack or what’s wrong usually means we miss the chance to find a way through. Pay attention to

“ Intelligence is the ability to adapt to change.”

everything that is going well for you. It’s the same as paying attention to things that are not your problems.

• Focus on the present, not the past or the future – This attitude shift is on the “mindfulness” continuum. We want to live in the present and be aware of what is happening. Dwelling on past mistakes or worrying about the future limits our awareness of what’s good right now. As John Lennon said, “Life is what’s happening when we’re busy making other plans.”

• Focus on what you need, not what you want – There’s a great quote by Dallin Oaks, religious leader and academic: “You can never get enough of what you don’t need because what you don’t need won’t satisfy you.” Ask yourself what is absolutely necessary to our happiness and well-being, and then ask, what is nice or extra? When we understand when something is a want and not a need, it’s easier to move on and let go when we don’t get it.

We can all benefit from less worry and anxious thinking and a greater focus on solutions and positive interpretations of people and the world around us. I incorporate exercises and

discussions about attitude shifts in senior support groups I host in residential settings. I have a collection of 100 inspiring and thought-provoking quotes that pepper my group discussions with these stories and quotations. One reference that helps create these exercises, Stop Overthinking Trenton, is a book by Nick Trenton, Stop Overthinking

Stay positive and keep looking for those solutions!

Dr. Joe Casciani is the owner and Chief Curator for the Living to 100 Club , a source of solutions to living longer and healthier, with a special focus on mindset and attitudes about aging. He has a 40-year history as a psychologist and manager of mental health practices specializing in behavioral health services with older adults. In addition to his work as a clinical consultant, he is an engaging and inspiring speaker and helps audiences move beyond their questions and concerns about aging to create a vision of what is possible in the years ahead. He strongly believes there is value in helping people feel inspired about their future.

RESOURCE GUIDE

Melina Rissone, REALTOR® (619) 865-6017

melina@melinarissone.com

www.melinarissone.com

As a SRES Associated Real Estate Broker with Coldwell Banker West, Melina Rissone’s mission is to support active adults and seniors with their real estate planning. She understands the emotional demands and can help minimize them. She takes the no-pressure approach to the transaction and is 100% service oriented..

Patti Gerke, REALTOR® (760) 525-7269

patti@pattigerke.com

www.agingwellpartners.com/partners/pattigerke-realtor/

Patti Gerke is a Senior Real Estate Specialist® (SRES®) and a Certified Residential Specialist® (CRS®). Whether downsizing, distributing estate assets or moving across the country, Patti’s #1 mission is to provide each client compassionate perseverance to provide resources, expertise and guidance through the real estate planning and selling journey.

Joseph M. Casciani, PhD (858) 272-4992

jc@livingto100.club

www.livingto100.club

Dr. Joe Casciani is the Chief Curator for the Living to 100 Club, a source of solutions to living longer and healthier: with a special focus on mindset, outlook, and positive attitudes about aging. He offers individual coaching sessions for seniors and their families to help cope with aging.

Bob Heck & Joan Chintz, Broker Associates (310) 251-7158

Rtheck007@gmail.com

www.agingwellpartners.com/partners/ chintz-team-real-estate-professionals/

Joan Chintz, Certified Probate & Trust Specialist has the experience in real estate that gives you peace of mind. Bob Heck has been a Senior Transitioning Specialist for over a decade. They understand transitioning into your next chapter in life and they’ve got you covered. Local Expertise. Global Connections.

Sean Kuhn

(619) 391-8688

info@kuhnphysicaltherapy.com

www.physio-on-the-go.com/

Physio on the Go is here to provide clients with a unique, highly individualized, and convenient model of care, that brings selfcare, wellness, and physical therapy directly to you—online or at home. Our mission is to empower clients to improve their health and enhance their longevity.

Daniel Sweiger, Owner (760) 448-1021

Dan.Sweiger@brightstarcare.com

www.brightstarcare.com/carlsbad

A family-owned & operated company providing award-winning home care services. We help seniors and others with medical challenges remain home longer -- safely and comfortably. Our full range of services includes companion care, personal care, skilled nursing, and specialized support for those living with Alzheimer’s, dementia, and Parkinson’s.

Jennie MacGoy Yoga (703) 579-0123

jennie@jenniemacgoyyoga.com

www.jenniemacgoyyoga.com

Specializing in providing gentle yoga and movement to people living with persistent and chronic pain, who are new to yoga, or don’t think yoga is for them. Visits to your home, park, or beach utilizing the extensive study of anatomy, strengthening, and restorative rest as it relates to yoga.

George G. Glenner Alzheimer’s Family Center (619) 543-4704

information@glenner.org

www.glenner.org

The George G. Glenner Alzheimer’s Family Centers, Inc.® provide specialized day programs for seniors with Alzheimer’s and other forms of dementia. Care is available Monday through Friday with full-day and half-day rates available. Each center offers structured, therapeutic activities and socialization in a safe, secure, family-like environment.

St. Paul’s PACE

(619) 677-3800

info@stpaulspace.org

www.stpaulspace.org

St. Paul’s Program of All-Inclusive Care for the Elderly (PACE) is a managed health care plan exclusively for seniors. As part of St. Paul’s PACE, you receive primary medical care, medication management, physical therapy, specialty services, in-home care, social work assistance, and transportation to and from the medical center.

Bryan Devore (760) 908-3838

Bryan@DevoreRealtyGroup.com

www.devorerealtygroup.com

The Devore Realty Group provides three home selling optionstraditional home sale, renovate-to-sell, and as-is sale. Included in each home sale option are FREE downsizing services, and if you are considering a move into a senior community, we can help defer your move-in costs until after your home sells.

San Diego Oasis

(619) 881-6262

info@sandiegooasis.org

www.san-diego.oasisnet.org

Oasis is a unique educational program for adults 50+ who want to continue to learn and be productive throughout life. Membership is free and open to anyone 50 or older. Join Oasis and enjoy stimulating classes and opportunities to serve your community.

Julie Derry (619) 378-6895

julie@aging123.com

www.aging123.com

At Aging123, we specialize in educating, advocating and navigating the placement journey for aging adults and their loved ones. We’ve toured and inspected all Assisted Living and Memory Care homes and communities we refer our clients to; all you have to do is make the choice that’s right for YOU.

Silver Linings Transitions (760) 522-1624

info@silverliningstransitions.com

www.silverliningstransitions.com

Senior Move Managers, we assist adults and their families with the emotional and logistical aspects of relocation– whether it’s to a smaller space, moving to be near family, or moving into a senior living residence. Let Silver Linings Transitions take the worry (and work!) out of the moving process.

Jacqui Clark (760) 218-9866

Jacqui@LivingCoastalSR.com

www.agingwellpartners.com/partners/ living-coastal-senior-resources/

Living Coastal Senior Resources have the knowledge and experience to solve the many challenges that can come with aging. We consult, advocate, and oversee the entire process of aging in place at home, managing disease, or finding the right assisted living or memory care. Age well with the right choices.

Jacqueline Silverman (858) 395-7733

jacqueline@agingadvisoryservices.com

www.agingadvisoryservices.com

Aging Advisory Services promotes aging in place by helping older adults in the San Diego Region better understand, plan for, and manage changes associated with aging. We offer home safety assessments, referrals, and consultation services to enable people to live safely and comfortably in the residence of their choice.

Nona’s Home Care (619) 788-4459

info@nonashomecare.com

www.nonashomecare.com

At Nona’s Home Care, our caregivers have been thoroughly trained and practiced in providing the best home care assistance while catering to the specific needs of each client. We bring the highest quality care to you, so that you may thrive in your most comfortable, and familiar environment.

Pablo Hurtado (619) 657-3861

pablo@coastcarepartners.com

www.coastcarepartners.com

We are a compassionate, non-medical home care agency servicing San Diego County. Our trained caregivers provide personalized assistance, promoting independence and enhancing quality of life empowering exceptional care and peace of mind for families.

Harmony Home Medical (858) 560-8177

erica@harmonyhomemedical.com

www.harmonyhomemedical.com

Harmony Home Medical Supply is a medical equipment and home accessibility retailer that has been serving San Diego County for the last 15 years. They provide the products and services that can help someone live more independently and safely wherever they call home. They are truly a one-stop-shop for Aging-In-Place.

Melanie L Delgado; Owner (619) 937-2330

wecare@homecare-sd.com

www.homecare-sd.com

Right at Home provides quality in home care services in San Diego. Our caregivers are trained, bonded and insured to provide a wide range of services and specialized support for Alzheimer’s, dementia and Parkinson’s. An authorized agency for the VA we provide exceptional care to our area veterans as well.

Now Haus ADU, LLC

Bill Adamas (619) 537-0066

Hello@Now-Haus.com

www.NOW-HAUS.com

Now Haus ADU, LLC. is a residential real estate development company specializing in ADU’s (Accessory Dwelling Unit) and Lot Splits. The new law SB9 allows innovative options for seniors to age in place and increase their retirement nest egg. We offer free property analysis and onsite consultations with homeowners looking to maximize their property’s potential.

Rehburg Life Insurance Settlements

Lisa Rehburg

(714) 349-7981

Lrehburg@aol.com

www.rehburglifesettlements.com

We are life settlement brokers, helping clients sell their life insurance policies for cash. This cash can be used for anything, including saving for retirement, debt repayment, and long-term care. Our fiduciary duty is to our client to market their policy to obtain the highest amount of money that we can.

Step Safely into Fall

A Physical Therapist’s Take on Hiking for the Older Adventurer

Fall is upon us, and the landscapes of San Diego County beckon with their awe-inspiring trails and coastlines. From beach walks to mountain hikes, this season offers a variety of outdoor activities. But for those over 50, engaging in these activities without preparation could mean risking injury. Let’s look at some common issues people face in different settings and how to fully prepare yourself to enjoy the fall season in San Diego County.

WALKING ON THE BEACH

The Issue: Beach walks seem idyllic, but the uneven and soft terrain can pose problems, such as overstraining your ankles and calf muscles.

The Solution: Work on ankle stabilization exercises like toe-tapping and heel raises. Also, make walking on firmer sand closer to the water a habit, and consider using walking poles for better support.

ROAMING AROUND TOWN

The Issue: Urban areas are rife with uneven sidewalks, curbs, and the occasional pothole, or if you’re in SD proper, it’s a minefield of potholes. These can lead to trips and falls if you’re not careful.

The Solution: Wear supportive footwear with a good grip. Practice agility drills like stepping over low hurdles or even just mastering stepping up and down on a single stair.

AT THE AMUSEMENT PARK WITH THE GRANDKIDS

The Issue:  A day of fun often means hours of walking and standing in line. By day’s end, your lower back could be screaming for relief.

The Solution: Strength-training exercises focusing on your core can improve your lower back resilience. Wear shock-absorbent footwear, and don’t shy away from taking short breaks to rest and hydrate.

HIKING IN THE MOUNTAINS

The Issue: The uneven, rocky terrain requires solid balance and knee strength, which may be compromised as we age.

The Solution: Incorporate balance exercises like single leg stand in your routine. Strengthen your quadriceps and hamstrings through leg curls and squats to support your knees better.

GENERAL TIPS FOR ALL ACTIVITIES

1. Warm Up: Always warm up before you embark on any physical activity. A 5–10-minute walk and dynamic stretching can go a long way.

2. Hydrate: Carry a water bottle and take sips regularly. Dehydration can affect your physical performance and your cognitive function.

3. Footwear: Invest in good-quality, activityappropriate footwear. It’s an investment in injury prevention.

4. Listen to your Body: Pain is your body signaling that something is wrong. If you feel discomfort, it’s wise to slow down or pause your activity and consult a health provider if needed. With the proper preparation, you can fully take advantage of all the beautiful hikes and outdoor activities San Diego County has to offer this Fall season.

Sean Kuhn, PT, DPT, FAFS, 3DMAPS, MBA, owns Physio On The Go, specializing in helping aging athletes maintain their physical health and mobility through in-office, mobile, and online physical therapy and wellness services. Their licensed and experienced therapists can provide individualized assessments and personalized exercise plans to help you stay active and pain-free. Please visit their website at www.physio-on-the-go.com

A New Option to Age in Place

For many seniors, staying in their homes is a priority. There is familiarity and comfort in the home they have lived in for years. As time passes, home maintenance and managing service providers (plumbers, roofers, carpenters, handyman, gardeners, etc.) become a source of stress, often resulting in delayed projects and/or unsafe living conditions. Those delayed projects can turn simple fixes into costly repairs.

Many aging adults come to a point where they can no longer maintain their homes. Consistently managing chores such as changing smoke detector batteries, HVAC system filters, gardening, or plumbing repairs is now more difficult.

Periodic repairs to appliances, HVAC, plumbing, garage doors, electrical, etc., require a consistent resource to ensure a timely, proper repair at a fair price. Regardless of age, finding the best service provider to do repairs can be frustrating with no-shows and a lack of confidence that the job will be done correctly at a fair price.

John and Ginger Couvrette, of Halcyon Real Estate Service and Property Management saw this gap in the aging population and created SENIOR@HOME. Its purpose is to provide seniors with a Property Management level of service that fills the needs above and more to help keep aging adults at home as long as is reasonably practicable.

They recognized the Property Management service already provided to tenants and owners they managed was the same service seniors require as they “Age in Place.”

With minimal fees and relationships with contractors, they can provide vetted experts and save homeowners money in the long run. Life gets easier for the aging adult when help is a reliable call away for repairs, inspections, or remodeling.

Halcyon also has resources to make your house safe if mobility has changed. They can provide installation of grab bars, ramps, and other modifications to keep you in your home longer. Their clear vision includes working with caregivers and families to agree on the plan and provide the best solution.

“Julia” was a lovely lady who had lost her husband. She was very healthy and in her early 70s. She loved her home but had two crucial issues. First, her husband did all the handiwork around the house, and she felt uncomfortable changing a lightbulb standing on a ladder. She needed more resources to do the work and had to call random companies to get bids that she hoped were fair. Not only did she feel uncomfortable opening her door to “strangers,” but she also was frustrated in getting contractors out on time, following up, and doing what

they promised.

Her children lived out of town and didn’t want to spend their time fixing the house. They wanted to spend time with Grandma. Help was arranged for new AC, roof repairs, plumbing issues, and other miscellaneous things necessary to maintain her house.

“Tom” was a senior living alone for a while and thought the house was safe. After having a caregiver come in a few times a week, the caregiver reached out to us. Tom needed assistance getting rid of extra furniture to accommodate the need for a wheelchair. Not only did we help sell and donate the items, but we were also able to build ramps, widen doorways, and modify his bath to make his day-to-day mobility easier.

If a client needs to transition from a two-story to one-story or assisted living, ultimately, we can help. Working with families, often CPAs and other professionals, we can decide if selling or renting the home is best. If moving into assisted living, renting the house will contribute substantially to paying for care. Renting now and selling later will still allow you a capital gains deduction if the senior has lived in the home for two of the last five years.

Another option to remember if you decide to purchase a new home is California’s Proposition 19, which allows seniors to take the tax base of their current home to their new purchase, which may result in significant savings.

If you decide to move, it can be overwhelming to pack up a lifetime of memories. Halcyon has incredible resources to help move from a 3000-square-foot home of 30 years to a 1000-square-foot apartment. Partnerships with estate sale experts, nonprofits for donations, haulers, and designers are valuable expert resources. Halcyon handles the Real Estate needs, reducing the stress on the family working through the transition and allowing a better focus on loved ones.

Housing needs for Seniors are transitional over time. Plans made today will need updating in the coming months and years. Having great resources to keep you or your loved one safe in their home and help with the transition when the time is right is just good planning.

John

and

Ginger Couvrette

Halcyon Real Estate is a fullservice Real Estate and Property Management company aiming to provide options as clients age.

AGE WELL WITH BRAIN TEASERS

Help keep your brain sharp and active with puzzles and tasks designed to engage and entertain! Solutions to these puzzles are available in the blog at www.agingwellpartners.com.

Find more of ANNIE’S ULTIMATE puzzle books

DOWN

19.

1. “Like a Rolling Stone” singer

2. Famous Presley home

3. “Mona” painter

4. Notable soup artist

8.Traditional Indian art of body movement and expression

9. Recurring health issues

11. Navigating financial decisions

12. Tech savviness

13. The opposite of ghosting

Freedom & self-sufficiency

20. Memory & thinking, et al

21. Period of ending one’s career

Smallest bone in the body

film

don’t

ANNIE’S

SUDOKU