NewsTribune_Retirement & Assisted Living_062321

Retirement & Assisted Living Spring 2021

est. 1851

Contents 3 4 5 6 7 8

What to know before claiming Social Security benefits Relationship before task at Home Instead How seniors can approach exercise How to build friendships in your golden years In Home Care Connection How to stay connected with loved ones after moving into an assisted living facility

9 10 11 12 13 14 15

Liberty Village Choices for long-term care Saving strategies as retirement draws near How to help aging adults adapt to technology Hobbies for seniors residing in assisted living communities Evaluating seniors’ biggest expenses Senior communities offering lifestyles

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2 June 2021 | Illinois Valley Retirement & Assisted Living | A NewsTribune Publication

What to know before claiming Social Security benefits claim their benefits.

Delay claiming if you can.

The CFPB notes that you can expect to get an additional 5 to 8 percent in monthly benefits for every year you wait to claim your Social Security benefits after age 62, maxing out at age 70. If you can afford to do so, wait to claim your full benefit until age 70, as doing so can translate to a benefit that’s 32 percent higher than it would have been had you claimed your benefit at age 62.

Budget for retirement.

Short- and long-term budgeting for retirement can help you assess how much money you will need to cover your expenses when you stop working. This step can help you understand how much a reduced or increased Social Security benefit will affect your bottom line in retirement.

Continue working. Remaining in the workforce full-time or even part-time can have a considerable impact on the size of your Social Security benefit. The CFPB notes that continuing to work for one or two additional years can replace low- or no-income earnings from your earnings record, thereby increasing your benefit.

Consider the long-term needs of your spouse. Surviving spouses receive the higher of the two spouses’ benefits. So it makes sense for the higher earning spouse to wait to collect his or her benefit until he or she reaches full retirement age.

The decision about when to collect your Social Security benefit is complex. Discussing your options with your spouse and financial advisor can help you make the most informed decision.

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Hardworking adults spend years striving to achieve their professional goals. Along the way, planning for retirement is a way to ensure all that hard work pays off when the time comes to call it a career.

In the United States, men and women nearing retirement age may be thinking about when they should begin collecting their Social Security retirement benefits.

Social Security is a social insurance program instituted by President Franklin Delano Roosevelt in 1935.

The program consists of retirement, disability and survivor benefits, and workers in the United States contribute to Social Security each week.

The decision about when to claim Social Security retirement benefits is one all those who have contributed to the program must eventually make. In recognition of the difficulty of that decision, the Consumer Financial Protection Bureau offers the following tips to people wondering when they should begin collecting their Social Security benefits.

Confirm your full retirement age. Full retirement age refers to the age at which people can begin collecting their full benefits. Depending on the year you were born, you can begin collecting your full benefit at age 66 or 67. Claiming your benefit before you reach full retirement age will lead to a permanent decrease in your monthly benefits. Conversely, claiming after you reach full retirement age will lead to a permanent increase in your monthly benefits. Since the stakes are so considerable, it’s vital for adults to confirm their full retirement age before they

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Relationship before task at Home Instead Founded in 1994 in Omaha, Nebraska, the Home Instead® network provides personalized care, support and education to help enhance the lives of aging adults and their families throughout the United States and 14 other countries.

The Peru franchise office was opened in 2004 by owner Christine Schouten and for over 17 years has been providing support services that enable seniors to live safely and comfortably in their own homes for as long as possible. Our team of Care Coordinators and nearly 100 CAREGiversSM are working with clients in the communities throughout LaSalle, Bureau, Putnam and Grundy Counties.

In-home care services are an option for seniors as they are transitioning throughout the stages of aging. Many folks do prefer to remain in the comfort and familiarity of their own homes, although they are recognizing the need for assistance to maintain wellness and safety with their daily activities. Visits from our CAREGiversSM alleviate the loneliness and isolation that can develop when an individual has lost a spouse or perhaps is no longer driving themselves to get out and about. We are

Pictured are (seated, left to right): Christine Schouten and Anne Schouten; (standing, left to right): Angela Dahl, Cindy Penna and Debra Lancaste. a helping hand.

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personal care to specialized Alzheimer’s care and hospice support. Also available are family caregiver education and support resources. At Home Instead, it’s relationship before task, while striving to provide superior quality service.

How seniors can approach exercise Exercise is a vital component of a healthy lifestyle. By making exercise part of their day-to-day routines, people of all ages, including men and women over the age of 65, can greatly improve their overall health.

The American Academy of Family Physicians notes that seniors should aspire to be as active as possible. Exercise is a great way to incorporate physical activity into your daily routine and has been linked to reduced risk for diseases such as heart disease, diabetes and osteoporosis. Though adults with chronic illnesses may be hesitant to exercise, the AAFP notes that it’s possible for men and women who have been diagnosed with such conditions to exercise safely.

In fact, the Centers for Disease Control and Prevention notes that regular physical activity is one of the most important things seniors can do for their health and can potentially prevent many health problems associated with aging.

FREQUENCY OF EXERCISE Seniors, particularly those who have not exercised much in the past, may not know how much exercise they need to reap the full rewards of physical activity.

resistance bands, heavy gardening, and even some forms of yoga qualify as muscle-strengthening activities. Exercises that use your body weight for resistance, such as sit-ups and push-ups, also can help build strength. Always speak with a physician before beginning a muscle-strengthening exercise regimen and, if possible, work with a personal trainer, especially if you’re a novice.

Though it’s best to discuss exercise with a physician prior to beginning a new regimen, various public health agencies advise seniors to get at least 2.5 hours of moderate aerobic exercise each week.

Brisk walking is one example of moderate aerobic exercise. Seniors who want to sweat a little more when exercising can replace moderate aerobic exercise with one hour and 15 minutes of vigorous exercise, such as jogging, each week.

IS STRENGTH TRAINING SAFE FOR SENIORS? The CDC advises seniors to incorporate muscle-strengthening activities into their weekly fitness routines twice per week. Lifting waits, working with

WHEN TO STOP A WORKOUT It’s imperative that seniors recognize when to stop working out. Exercising more than is recommended by your doctor can increase the risk of illness or injury. In addition, stop exercising if any of the following symptoms appear: • Dizziness or shortness of breath • Chest pain or pressure • Swollen joints • Nausea • Tightness in muscles or joints • Pain anywhere in the body • Throbbing or burning sensations Exercise can help seniors stay healthy and feel more energetic throughout the day. Before beginning a new regimen, seniors should discuss physical activity with their physicians. LP213748

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How to build friendships in your golden years Making friends as a child or even as a parent to schoolaged children is relatively easy. Classrooms and school functions facilitate the building of friendships. Even as one gets older and enters the workforce, it’s not uncommon for people to become friends with their coworkers.

As people near retirement age, their situations may have changed considerably. Children have moved out, careers are coming to an end and friendships may be hard to maintain due to people relocating or traveling. Older adults may aspire to make new friends, but they may not know how.

According to Irene S Levine, Ph.D., The Friendship Doctor and contributor to Psychology Today, it is not unique for seniors to want to make new friends. Age can be a barrier because there are stereotypes that pigeonhole people of certain ages. But Levine notes that state of mind and physical ability is not directly tied

to chronological age. Making friends is possible at any age.

These guidelines can help along the way.

Explore online connections.

A 2016 study published in the Journal of Gerontology found seniors (even those in their 80s) who stay connected with friends and family using social media report feeling less lonely and better overall. Connected seniors also demonstrated higher executive reasoning skills. There are plenty of ways to meet new

you love. This serves the double benefit of getting you outside and active and puts you in touch with people who share your passions and interests.

Attend alumni events. If you have an interest getting in touch with someone from your past and reconnecting, make the time to attend school reunions and other alumni activities. It can be fun to reconnect with friends from high school or college.

Join a gym. The local gym people online by joining social isn’t just a great place to get physically fit. Group exercise media groups that cater to your interests. In person meet- classes also can be ideal places to meet other people who ings in particular cities or reenjoy working out. Strike up gions of the country also can a conversation with another make for great ways to make class participant you see on new friends. Exercise caua regular basis. Once you detion when meeting people in velop a rapport, schedule lunch person after contacting them dates so your friendship grows online. Bring another person along, whether it’s a spouse or outside of the gym.

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Volunteer your time. One way over 50 also can find ways to meet new people is to get in- to build new friendships. volved with causes or activities LP213753

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Many seniors relied on technology like Zoom to stay connected with loved ones during the pandemic. Residents of assisted living facilities can continue to utilize such technology to maintain connections with their families after the pandemic.

How to stay connected with loved ones after moving into an assisted living facility Decisions surrounding assisted living facilities are not always easy. Men and women may be reluctant to leave their homes while family members may be worried about how their aging loved ones will adjust to life in an assisted living facility. Though modern assisted living facilities cater to residents with an array of needs and interests, the hesitation about whether or not to move into such a facility is understandable.

One of the concerns seniors and their families may have about assisted living facilities is how to remain in touch with loved ones. Thankfully, staying connected is easier than ever before. That ease of connection has been on full display throughout the COVID-19 pandemic, during which aging men and women

have been urged to limit contact with people outside their households in an effort to reduce their risk of contracting the virus. When the pandemic is in the rearview mirror, seniors can continue to employ various strategies to stay connected with their families after moving into an assisted living facility.

• Embrace technology. It’s understandable that seniors are sometimes hesitant to utilize technology. Having spent much of their lives without smartphones and Zoom calls, it may seem like adjusting to a world where such things are now widely utilized will be incredibly difficult. However, modern technology is user-friendly, meaning seniors won’t need much, if any, technical expertise or experience to utilize an assortment of

devices that can help them stay in touch. Ask a relative to show you the ropes of a new device or request that staff at the facility teach residents the basics of using devices to stay connected with family. Staff may help set up Zoom calls or help residents learn the ropes of texting.

• Make a weekly communication commitment. Work with family members to set up a time each week when you can communicate directly with them. If family lives nearby, this might take the form of a weekly family meal at a loved one’s home. If family lives too far away for routine in-person meals, set up a time each week for a family Zoom call.

• Continue to engage with your interests and fellow hobbyists. If you were an avid reader who loved to discuss

8 June 2021 | Illinois Valley Retirement & Assisted Living | A NewsTribune Publication

and recommend books to your loved ones, then continue to do so after moving into an assisted living facility.

Sports fans who bonded with their loved ones over a shared passion for a favorite team can keep following their team and discussing the latest big game with their friends and family via email, texts or video calls. Various studies have discovered the positive effects that hobbies can have on long-term physical and mental health. Staying engaged with your passions can keep lines of communication open with friends and family and benefit your overall health.

Keeping the lines of communication with loved ones open can help aging men and women as they transition to life in assisted living facilities.

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Liberty Village is located at the corner of 31st Street and Becker Drive in Peru. Stop in for a campus tour, contact us at (815) 224-2200 or visit us online at www.libertyvillageofperu.com or visit our Liberty Village Facebook page.

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Choices for long-term care Being able to care for oneself independently can be a source of pride. However, illness or age can affect people in ways that require them to seek assistance with medical needs or daily activities for an extended period of time.

In such instances, long-term care services can fill a need.

Long-term care assists people in their homes, in the community or in various types of facilities with various daily and medical requirements. According to WebMD, research shows that many people are unaware of long-term care options or may be misinformed about what’s out there.

COMMUNITY CARE Community services can include adult day care centers, meal programs, senior centers, community transportation, and others.

Community services enable people to continue to live in the community with some support. They also may help family or friends serving as caregivers enjoy a break from the assistance they have been providing.

CARE FACILITIES Long-term care may be mistaken as strictly nursing homes, but facilities extend to places that provide other services. Here’s a look at the care facilities.

Independent senior living: Independent living facilities may provide assistance only when needed. Amenities are designed to make things easier and more convenient for residents. Fitness cen-

ters, pools, dining venues, and transportation may be included. These facilities tend to provide the most independent form of senior living. Some independent living facilities are part of larger continuing care retirement communities that have staged care that goes from independent to skilled nursing.

Assisted living: These homes provide 24-hour supervision, meals, healthcare services, and other forms of assistance in a home-like setting. Types of services include laundry, housekeeping, medication dispersal, and dressing.

Skilled nursing homes: Nursing homes provide care for those who cannot care for themselves at home or in the community. These facilities offer many services all under one roof, like rehabilitative services, meals, activities, and around-the-clock care. Some skilled nursing homes offer temporary care after an injury or illness and are used in lieu of an extended hospital stay.

It is never too early to begin planning for elder care that may include long-term care possibilities. Individuals

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HOME CARE Various services can be utilized in the comfort of home. According to the Knoxville-Knox County Community Action Committee Office on Aging, services can include home-delivered meals, pest control, minor home modifications, or visiting nurses and health aides.

Other benefits may include shopping or physical therapy.

10 June 2021 | Illinois Valley Retirement & Assisted Living | A NewsTribune Publication

Saving strategies as retirement draws near Professionals on the cusp of retirement are often excited about what lies ahead.

Some prospective retirees may look forward to traveling once they no longer have to go to work each day, while others may plan to return to school. Regardless of how adults envision spending their retirement, they’re going to need money when they’re no longer being paid by their employers.

As retirement nears, some professionals may be concerned that they haven’t saved enough. There’s no one-size-fits-all answer in regard to how much money people will need in retirement. People who are worried they haven’t saved enough can try various strategies to build up their account balances before they officially call it a career. n Take advantage of catch-up contributions.

Adults who are 50 or older are eligible to take advantage of catch-up contributions.

These are designed to help

people over 50 contribute more to certain retirement accounts, such as a 401(k) or IRA, than statutory limits would otherwise allow.

There are limits that govern the amount of money people can designate as catch-up contributions, but taking advantage of this perk can help people save more as retirement draws closer. n Consider relocating. A recent study from the Employee Benefit Research

Institute found that housing costs accounted for 49 percent of seniors’ spending.

Professionals nearing retirement who live in areas traditionally associated with a high cost of living can begin to rethink their long-term housing strategy. Relocating to an area with a lower cost of living is one option, while those who prefer to remain in their current town or city can consider downsizing to a smaller home to reduce their

property taxes and monthly utility bills. n Continue investing. Conventional wisdom suggests moving away from investing in stocks the closer you get to retirement. Though that’s a sound strategy, professionals who are trying to build their retirement savings in the final years before retiring could be missing out on significant growth by abandoning stocks entirely.

Speak with a financial advisor about stock-based investments and your risk tolerance. Maintaining a diversified portfolio with a little risk can be a great way to grow your savings as retirement draws near.

Professionals approaching retirement may be dealing with a mix of excitement and anxiety, particularly if they’re concerned about their retirement savings. Various strategies can help quell such anxiety and make it easier for professionals over 50 to build their savings as retirement nears. LP213755

Witek Wealth welcomes Spencer Luecke In January of 2021 the Witek Family was excited to welcome Spencer Luecke to their firm, Witek Wealth Management, as an Associate Advisor.

Spencer is a lifelong Illinois Valley resident who attended La Salle-Peru Township High School. She attended Illinois Valley Community College and graduated in 2012 from Northern Illinois University with a Master’s Degree in Accounting Science. She spent several years locally in banking as a commercial lender. With her, she brings experience in commercial lending and tax accounting.

She is currently serves as Vice President of The United Way of Illinois Valley and is a

Board Member of The Illinois Valley Leads Group and The La Salle Business Association.

Spencer looks forward to working with her clients to help them achieve their financial goals.

The Witek Family has

operated as LPL Financial since 1986. Beginning in 2020 the firm has changed its name to Witek Wealth Management.

Ron Witek joined the securities industry in 1968. He was joined by his sons Mark (in 1983) and Steve (1985) and

his daughter Kristy (1994).

Witek Wealth Management offers personalized and impartial investment strategies based on clients’ financial objectives, risk performances and tax considerations.

Their products and services include quality nonproprietary investments, including mutual funds, stocks, bonds, variable and fixed annuities and estate, business, tax, college and retirement planning.

Witek Wealth Management is located at 613 First St., La Salle. They also hold office hours at Streator Onized Credit Union and Financial Plus Credit Union in Peru, Ottawa and Mendota. Visit the website at witekwealthmanagement.com.

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witekwealthmanagement.com Registered Representatives with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC A NewsTribune Publication | Illinois Valley Retirement & Assisted Living | June 2021 11

How to help aging adults adapt to technology Children, adolescents and young adults likely cannot imagine a life without modern technology. Technology may have pervaded every part of life in the 21st century, but it wasn’t so long ago that phones were still attached to walls and people had to watch their favorite shows and films exclusively on televisions instead of having the option to watch them on devices like smartphones and tablets.

The transition to life in the age of technology went smoothly for most segments of the population, but some aging adults have had a more difficult time making the adjustment. That difficulty was apparent throughout the COVID-19 pandemic, when public health agencies like the World Health Organization and the Centers for Disease Control and Prevention urged aging adults to limit interactions with people outside their homes.

Such recommendations forced many seniors to communicate with their families exclusively over the phone or via video conferencing apps like Zoom.

If seniors have had a hard time adapting to technology, their families can try these strategies to make that transition go more smoothly.

n Go over product manuals with seniors. The senior caregiving experts at Home Care Assistance note that older adults are less likely to learn through experimentation than they are by reading instructions in the manual.

When helping seniors learn to use new devices, go over the owner’s manual with them as you set up the device.

Mark important pages in the manual so seniors know where to go for quick answers if they experience any issues

logging in or using certain apps. n Look for senior-specific devices and guidebooks. Seniors make up an enormous segment of the population, and tech companies have long since recognized that there’s a market for products designed specifically for aging men and women. When shopping for devices for seniors, look for those that have been designed to help them overcome issues that have proven problematic for aging adults in the past. Devices that feature touchscreens with large menus, easily accessible navigation tools and simplified features can help seniors as they learn to use new technology. n Be patient. Some seniors are excited by the prospect of learning to use new technology, while others may be hesitant. Patience is essential when working with an aging loved one who’s intimidated by technology. Take the time to explain apps and features and don’t take it for granted that seniors will know how to use a device or recognize what a device can do.

Today’s seniors may not have grown up with technology at their fingertips, but they can still learn to use devices to their advantage. TF212674

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12 June 2021 | Illinois Valley Retirement & Assisted Living | A NewsTribune Publication

Hobbies for seniors residing in assisted living communities Assisted living facilities are a vital resource for aging individuals. Data from the American Health Care Association® and the National Center for Assisted Living® indicates that more than 811,000 people reside in assisted living facilities across the United States.

Assisted living facilities have changed dramatically over the years, making them ideal options for adults who may need varying degrees of help with daily activities.

Such facilities can help with activities like bathing and preparing meals, but they also can help residents find and explore new or existing hobbies. As individuals adjust to life in assisted living facilities, finding new hobbies or rediscovering old passions can be a great way to connect with fellow residents.

Reading: Reading is a rewarding activity that can greatly benefit seniors and provide an engaging pastime for those with limited mobility. Many assisted living facilities offer activities that are designed to foster communication between residents and a book club can do just that. What’s more, reading every day may be especially valuable for people age 65 and older.

A 2018 study published in the journal JAMA Psychiatry found that dementia risk was considerably lower among men and women 65 and older who participated in intellectual activities like reading than it was among seniors who did not engage in such pursuits.

Gardening: AARP notes that gardening provides a host of health benefits that go beyond ensuring fresh

fruits and vegetables will be on the dinner table. For example, vitamin D is vital to bone health, which is important for aging men and women who are vulnerable to osteoporosis. A 2014 study from researchers in Italy found that exposure to sunlight can help older adults get adequate amounts of vitamin D. Signing up for a gardening club can be a great way for seniors to get some exercise, enjoy time outside the assisted living facility and promote strong bones.

Art therapy: According to the Chicago Methodist Senior Services, art therapy is a creative form of therapy designed to help older adults with memory loss or those experiencing mental or physical stress. The Harvard Medical School notes that recent research has indicated that engaging in creative activities may be more effective at delaying cognitive decline than merely appreciating creative works. A 2014 study from researchers in Germany found that retirees who painted and sculpted had greater improvements in spatial reasoning and emotional resilience than a similar group who attended art appreciation classes. Many assisted living facilities offer art therapy or similar programs to residents, and enrolling in such programs can promote social interaction and provide numerous benefits to men and women over 65.

Assisted living facilities offer an array of programs designed to help residents develop rewarding hobbies that can benefit their longterm health. TF213809

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A NewsTribune Publication | Illinois Valley Retirement & Assisted Living | June 2021 13

Evaluating seniors’ biggest expenses New parents may not be able to visualize that one day their largest expenditures won’t be centralized around providing necessities for their children.

Adults go though many years of paying for diapers, toys, clothing, food, and education for their children. Yet, when the children have flown the coop, spending patterns change, and even more changes await come retirement.

According to a 2020 survey from the financial services firm Edward Jones, 68 percent of workers soon to retire said they had no idea how much they should be setting aside for expenses, particularly health care and long-term care. Professionals approaching retirement would be wise to analyze the Consumer Price Index - Elderly (CPI-E). It is a good reference to estimate which future expenses will cost the most after retirement. The Bureau of Labor Statistics looks at consumer spending and uses various data to determine the rate of inflation in key areas that apply to older adults starting at age 62.

Individuals may be surprised to learn about where they’ll be spending the bulk of their money when they get older.

Here’s a look at some key categories.

Housing: According to data from the

Employee Benefit Research Institute, in 2017, the most recent year for which data is available, housing accounted for roughly 49 percent of all spending for seniors. Focus should be centered on lowering those costs when a fixed income is imminent. The possibilities include paying off a mortgage; downsizing a home to have a lower rent or mortgage payment; refinancing a home to a fixed-rate loan so that costs are predictable; and taking on a tenant to offset costs.

Food: The cost of food will not change dramatically, but it can eat into your budget. Even though food costs may decline when there’s only two mouths to feed, food and beverage spending

may go up due to more leisure time and dining out. Utilize senior discounts by shopping on days when stores offer percentages off purchases. Save money on restaurant spending by eating out at lunch instead of dinner, splitting plates or skipping appetizers.

Healthcare: Experts warn that while many expenses decline in retirement, health care spending increases. According to Fidelity, the average 65-year-old couple retiring in 2020 in the United States needed roughly $295,000 just to cover their retirement health care expenses. Those with family histories of severe illnesses or those with preexisting conditions will need even more. It’s also important to realize that roughly half of the population will need long-term care at some point, offers The Motley Fool, and that requires advanced budgeting as well. Many people find that Medicare supplement plans can bridge the gap in expenses that government-run plans will not cover. Saving through a health savings account (HSA) when employed also can create extra cash on hand for retirement expenses.

Understanding which retirement expenses will be high can help people plan better for the future. LP213749

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14 June 2021 | Illinois Valley Retirement & Assisted Living | A NewsTribune Publication

Senior communities Greenfield Apartments offering lifestyles

PEACE OF MIND AND QUALITY OF LIFE!

Retirement Living at its best! Comforts of Home & Security of Community

Living life to the fullest does not need to stop when adults near or reach retirement age. Age-restricted housing communities once bore the stereotype of having limited recreational options and dated surroundings. But modern senior homes and facilities are all about catering to active lifestyles — with some communities offering resort-like amenities and pristine properties. Furthermore, certain communities provide niche offerings for people who are looking for something even a little more different.

Eligibility to live in these communities varies, but generally speaking one resident in the home must be age 55 or older. According to research by TRI Pointe Homes, of the 75 million people who comprise the Baby Boomer generation who are eligible for age-qualified communities, more than 32 million would consider living in such a community.

The website 55places.com, which specializes in promoting age-restricted communities, indicates Florida has the most age-restricted communities in the country, followed by New Jersey.

Arbutus Ridge Seaside Community for Active Adults was the first comprehensive retirement community built in Canada.

Choosing an age-restricted community requires consideration of a host of factors, including the amenities residents most desire and the cost of a facility.

The following factors can help people decide which community is most suitable for them.

Style of home: Homes built in retirement communities are designed to be comfortable and convenient for aging residents. Many

are single-floor units. Certain communities may be comprised of apartments, condos or townhouses, while others may be single, detached residences.

Amenities: When comparing age-restricted communities, consider the amenities available. Do they include on-site dining, transportation, travel assistance, pools, fitness centers, walking trails, or outdoor sports facilities? Some communities have “aging in place” amenities, which means residents can move from independent living to assisted living to skilled nursing care as their needs change. Make a list of interests and then match them to a community that can fit your needs.

Costs: Costs vary considerably. Investopedia advises seniors to consider the community’s location and what is being offered, as these factors will affect costs. In addition to rent or mortgages, most communities also have monthly maintenance or homeowners association fees that need to be compared and considered.

Read contracts carefully to see which other costs are included.

Specialized features: Unique men and women call for unique communities. If standard age-restricted communities do not fit the bill, 55places.com says there are specialized offerings for people who spend retirement in an RV; desire homes that align with their heritage; communities just for postal workers; or communities tied to a local college to continue lifelong learning.

Age-restricted retirement communities are evolving and many specialize in catering to active lifestyles.

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A NewsTribune Publication | Illinois Valley Retirement & Assisted Living | June 2021 15

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