March/April 2020 Issue
Transitions Real Estate
Selling a home can be an exciting, yet challenging, experience.
RV Life Donâ&#x20AC;&#x2122;t Play Politics with Your Portfolio Will Independent Living Become Obsolete?
VERMONT MATURITY Product of RTN Publishing 6170 Forest Hills Drive Dubuque, IA 52002 Change Service Requested
Permit # 1884 LITTLE ROCK, AR
PA I D
PRSRT STD US POSTAGE
2020 TAKE YOU?
Table of Contents Vermont Maturity
For Vermonters Age 50 and Older
RTN PUBLISHING, INC. Phone – 802.332.3254 Robin@VermontMaturity.com www.VermontMaturity.com
PUBLISHER & PRESIDENT Robin Nichols
VICE PRESIDENT & OFFICE MANAGER Terri Nichols
CONTRIBUTING EDITORS Ben Durant Aaron Glosser Eric Hopper Clover Whitham Joshua Nichols
GRAPHIC DESIGNERS Char Grass
Cover Story: Transitions Real Estate by Eric Hopper
IT & WEB DESIGN Mark Chaney
ADVERTISING & EDITORIAL INQUIRIES Phone – 802.332.3254 Fax – 563.557.7641 Robin@VermontMaturity.com Vermont Maturity is published times per year by RTN Publishing, Inc. and is distributed without charge to qualified subscribers in Vermont. Nonqualified reader subscription costs are $39 per year for United States residents. No international subscriptions are available. Subscription requests must include name, address, phone number and email address. The publisher makes no representation concerning any product or service advertised in this publication. Vermont Maturity and VermontMaturity. com serve only as a medium for sellers to reach potential buyers and does not warrant the accuracy of any advertisement. Vermont Maturity makes every effort to eliminate typographical errors and assumes no responsibility for misspelling names of people from handwritten copy. All editorial items submitted are subject to editing and alteration at the sole discretion of publisher. Design and format of this magazine is protected by the copyright laws of the United States of America. Reproduction of this publication in whole or in part is prohibited without express written consent of the publisher. POSTMASTER: Please send address changes to Vermont Maturity, 6170 Forest Hills Drive, Asbury, IA 52002-9349.
by Clover Whitham
Don’t Play Politics with Your Portfolio by Aaron Glosser
March is National Nutrition Month®
by Brigitte Harton, RD, CD, NBC-HWC
Will Independent Living Become Obsolete? by Ben Durant
10 Things Medicare Doesn’t Cover by Jim Miller
4 | March/April 2020 | VermontMaturity.com
: ATURIT Y M T N O VERM . . . 30 Business
Cards. . . .
Let Us Look Into Your Hearing! • Free Hearing Screenings • Free Demonstrations • Free Clean & Checks • Latest Hearing Technology • 0% Financing Available Receive up to
on a new pair of digital hearing aids!
Call today to schedule your appointment!
Bennington • 802-440-1860 Newport • 802-487-0444 Springfield • 802-265-6160 St. Johnsbury • 802-424-2800 West Lebanon • 603-819-5511
WE CARRY AND SERVICE ALL MAJOR HEARING AID BRANDS!
Phil LeClair, marketing director at Pete’s RV Center, in the showroom in South Burlington in January.
RV Life by Clover Whitham
What It’s Like to Live Life Roaming in an RV Who hasn’t daydreamed about packing just the essentials and hitting the road for a few weeks, or even full time? For some, retirement or empty nests are the perfect excuses to make that dream a reality. Christine Carrington started living that dream when she retired at 60 in 2004. She now travels across the country with her dog, Edna, in a 1994 Toyota Winnebago Warrior.
6 | March/April 2020 | VermontMaturity.com
Carrington spends her summers at a campground in Vermont’s Northeast Kingdom, where she’s from. She leaves Vermont before October ends and heads someplace warmer, either Arizona, Florida, New Mexico or Texas. “I sold my house and everything I owned, moved into my RV and have been traveling ever since. I love the freedom it gives me to go anywhere, no reservations, just up and go when the mood strikes. “Of course being able to always go where it is not too hot or cold is a big draw. Best of all, I love making new friends,” Carrington wrote via email in January.
VERMONT'S LARGEST SELECTION
Best PRV Price Guarantee Volume Savings Passed to You
Service Before & After the Sale Customer Service is Our Passion
65 Years of Dedicated Service
Nationwide Delivery + Canada Our Knowledge is Your Knowledge
Top Selection of New & Used RVs
1 MO TOR HOM E DE ALE
Over 70 RV Brands to Chose From
"Your Adventure Starts Here!" Follow the yellow shirt
4016 Williston Road S. Burlington,VT 05403 844-279-0057 PetesRV.com
Christine Carrington bought her first RV in 2004. She travels the country in a 1994 Toyota Winnebago Warrior.
Do Your Homework Now is the perfect season to do research, both about RV units and all that is necessary to live on the road. Several consumer shows take place in the Northeast in the winter and spring, which allow customers to view and walk through many units in a day. Dealerships also host events and can work with customers to purchase and prepare an RV in time for summer. At a consumer show or dealership, customers can try out the seats, stretch out in the beds, see if the showers are big enough and get plenty of inspiration from that new RV smell. But the first question is, what kind of recreation vehicle is right for you? The main categories of RVs are: Towable RVs: These units are towed by another vehicle or mount on the back of a pickup truck. Some of today’s towable trailers can have the same amenities found in motorized RV, and some are light enough to be towed by a sedan. 8 | March/April 2020 | VermontMaturity.com
Let’s do Medicare together. When you’re ready for Medicare, MVP Health Care® gives you more, with plans starting at $0 a month. $0 primary care visits $0 Preferred Generic drugs $0 SilverSneakers® fitness membership with access to gyms and exercise classes $0 co-pay for myVisitNow® 24/7 Online Doctor Visits $100 reward card for completing health and wellness activities Dental and eyewear allowances
Visit morefromMVP.com/VT Call 1-833-368-4624 TTY: 1-800-662-1220 Monday–Friday, 8 am–6 pm Eastern Time October 1–March 31, Saturdays, 8 am–12 pm Get answers, find a Medicare Seminar, or schedule a personal consultation.
A vast network of doctors and hospitals, plus out-of-area coverage
myVisitNow from MVP Health Care is powered by American Well. Regulatory restrictions may apply. MVP Health Plan, Inc. is an HMO-POS/PPO/MSA organization with a Medicare contract. Enrollment in MVP Health Plan depends on contract renewal. Out-of-network/non-contracted providers are under no obligation to treat MVP Health Plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services. Y0051_4682_M
Vermont Maturity 7.5 x 9.5 Due February 12
Why Williston Place?
Today! Your Tour
Christine Carrington lives full time in her 1994 Toyota Winnabago Warrior. She travels the country with her dog, Edna, and returns to Vermont each summer.
Motorized RVs: Also called motorhomes, in these the living area is built on a motorized chassis and can be larger than a towable RV.
Embrace your choices. Enjoy the good life. • Local Ownership -Vermont owned and operated ensures a high level of satisfaction • Value -Fair and transparent pricing, always • Apartment Homes -Bright, spacious and well designed - includes your own washer/ dryer, balcony and underground parking • Dining -Enjoy chef-prepared meals that are delectable and well-balanced • Location -Close to everything you may need or want • 24 Hour On-Site Staffing -For security and peace of mind
They’re designed to be parked for a season or longer. There are a few basic questions future travelers may want to mull before heading to the dealership, such as: ✔ How many weeks do you think you’ll be on the
road? ✔ How many people will be joining you? ✔ How do you want to get around? If you don’t
want a motorized unit, what is your vehicle capable of towing? ✔ What amenities do you want with you?
Still not sure? A dealer can steer customers in the right direction. At an RV dealership several experts may help customers through a purchase. At Pete’s RV Center in South Burlington, for
Call Jennifer Olson today! (802) 871-5409 An Age 55+ Community
Park model RVs: These look like moveable houses.
example, a customer’s first guide will be an RV consultant. The consultant helps answer those questions 422 Blair Park Road, Williston, VT 05495 WillistonPlace.com
10 | March/April 2020 | VermontMaturity.com
and others to narrow down a list of options. When customers enter the Pete’s RV Center showroom they will see up to six RVs inside and
Try Before you Buy Before purchasing, Phil LeClair, marketing director at Pete’s RV Center, suggests first trying out an RV lifestyle. He recommends camping with RV-owning friends or family, or renting a unit, to get a sense of what feels right. There are also several online resources that can help customers narrow down their choices and educate themselves about what it takes to operate and maintain an RV. There are tools to compare RVs, video walkPhil LeClair, marketing director at Pete’s RV Center, shows the inside of an RV on the lot in South Burlington in January.
hundreds more outside. Adjacent to the showroom is a store full of RV essentials, from camping chairs and grills to leveling jacks and awnings. There is also a service center and garage. Post purchase, customers learn all about operating and maintaining their RV from an orientation specialist.
throughs of units and even how-to videos for common maintenance tasks. LeClair points out an RV is a home on wheels, and with that comes home maintenance. At a dealership, customers can test drive RVs to get a sense of how it feels to tow or drive the units on the road. LeClair says those who plan to camp for more than 2 weeks a year are good candidates to buy an RV rather than rent. He also estimates about 25 percent of his Vermont customers who are 55 and older plan to RV full time.
City Conveniences 1 1 Country Comfort at Williston’s Finest 55+ Senior Living Community
One & Two Bedroom Units Available! Living Rental g Independent Apartments
Distance to a g Walking Pharmacy, Restaurants and
Other Services / mile from Maple Tree Place & Rec Path
g Underground Parking Option g Outdoor Gardening g All Newly Refurbished Units g Reasonable Market Rate g Optional Services g No Smoking & No Pets
Call 879-3333 or e-mail email@example.com
Full Circle Property Management Inc.
Family Owned and Operated Since 1951
RESTAURANT: Lunch • Dinner • Eat-In or Take-Out
FULL SERVICE FISH MARKET: • Lobster • Clams • Fresh Fish • Bulk Seafood • House made Chowders • House made Soups & Salads
Try our Seafood Platters: Choice of Lobster meat, Crab Stuffed Mushrooms, Bacon Wrapped Scallops, Crab Claws, Shrimp Cocktail, Smoked Fish... & Chicken Wing Platters
Catering for parties or family gatherings
Open 7 days a week • 10am-8pm 7 Pinecrest Drive, Essex Junction | 879-3611 www.RaysSeafoodMarket.com
Vermont Maturity | March/April 2020 | 11
are preparing to sell their house in Vermont and head south with their towable camper. Zisselsberger first experienced full time camping when she was 13. Her family sold their home and lived in a travel trailer on the south Florida coast after her father retired. Zisselsberger says she loved being homeschooled and spending her time fishing, clamming and boating. That adventure lasted only a few months but later, when her own son was 5, Zisselsberger dove into tent camping as a Campfire leader. In 2004, she and her husband bought their first fifth wheel trailer. Zisselsberger says she likes the ability to take the Suzanne Zisselsberger’s travel trailer set up in Davenport, Florida.
The Allure of the Open Road Suzanne Zisselsberger is planning to join the world
comforts of home, and her pets, with her. “There are new adventures everywhere you go,” she said. “I love state parks the most ... I love the woods, the wildlife and the views. I myself, feel free.” Steven Lee Fletcher, who maintains
of full time RVing. She’s long been a fan of both tent
RVTipOfTheDay.com and RVBasics.com, has spent
camping and seasonal camping in a travel trailer. Now
about 25 years RVing full time. Fletcher said the draw
Zisselsberger and her husband, who is about to retire,
to RVing is the same now as when he started. “The adventure of seeing what is just around the next curve in the road, over the next hill, and in the next town,” he wrote via email from California. For Fletcher, the journey to RVing started with Sunday drives with his grandparents when he was about 5 years old. “I was told I would cry when I realized they were bringing me home,” Fletcher said. Fletcher also loved joining his father, a truck driver, on the road for day trips. Gradually, Fletcher’s travel experience grew. “In 1962 Dad bought a new car and rented a small travel trailer and took us to Seattle, Washington for the World’s Fair. This made me realize there were places other than lumber yards at the end of the trip. Although the journey is still just as important, and sometimes more so, as the destination,” Fletcher said. More family trips expanded his world, and when Fletcher was 17 he enlisted in the Navy and his international travel began. When he married his wife, Fran, the couple began their own tradition of Sunday drives, which over time got longer. In 1978 they took a
12 | March/April 2020 | VermontMaturity.com
Suzanne Zisselsberger and her husband, Ronald, plan to sell their house and live in their Puma 2009 travel trailer full time after Ronald retires from Vermont National Guard
month off to drive across the country in a 1965 Chevy van. That “grand adventure” stuck in their memories and eventually inspired them to RV full time in 1998. They lived in an RV park for about a year before selling their business, then hit the road. “Home has always been where we parked our house,” Fletcher said. Several years ago Fran was diagnosed with Alzheimer’s disease, so the couple parked their RV. Fran died in October. “It won’t be the same without Fran but my plan, if all goes well, is to get back on the road and continue the adventure,” Fletcher said.
Better hearing means Better Living. Vermont’s Best Choice for Hearing Care.
Better Living Audiology provides the best professional hearing healthcare and state-of-the-art hearing technology, customized for your needs. Start living better today!
Call 802-989-7210 to schedule your appointment!
Saturday appointments available in South Burlington.
A comprehensive resource for all things RV, including a recreational vehicle comparison tool: https:// gorving.com/ Documentary featuring perspectives on mobile living, including Vermonter Christine Carrington: https://www.youtube.com/watch?v=Lg37Cbx-kak Pete’s RV Center video resource library: https://www. petesrv.com/check-out-our--video-library RV lingo explanation video from Pete’s RV Center: https://www.petesrv.com/check-out-our--rv-lingo Clover Whitham has been a journalist at Vermont
Julie Bier, Au.D. F-AAA • Corey Gibeault, Au.D. CCC-A Doctors of Audiology
802-989-7210 | betterlivingaudiology.com MIDDLEBURY OFFICE
135A Creek Road Middlebury, VT 05753 SOUTH BURLINGTON OFFICE
54 West Twin Oaks Terrace, Suite 10 South Burlington, VT 05403
newspapers for more than a dozen years and is now a freelance writer and editor near Burlington.
Vermont Maturity | March/April 2020 | 13
Vermont Maturity Cover Story
Transitions Real Estate by Eric Hopper
Selling a home can be an exciting, yet challenging, experience. Transitions Real Estate understands that buying and/or selling a home is a life-changing experience, especially for boomers and seniors. Having a real estate professional who takes the time to figure out the unique needs and lifestyles of each client is essential. Finding a trustworthy agent is of the utmost importance. In this world of fast-paced technology and growing scams, seniors must seek out a reliable and knowledgeable real estate agent. Transitions Real Estate is an experienced and trusted company; helping seniors experience a stress-free transition to their next chapter. Transitions Real Estate’s founder, Ben Durant spent years as a real estate lender, including the development of senior care facilities. With this background, he came to understand how
14 | March/April 2020 | VermontMaturity.com
FOR YOUR HEALTHIER LIFESTYLE
Pain relief could be as easy as a visit to New Balance Williston! Free 1-on-1 Fit Service New Balance Williston connects the advice of your medical health professional to footwear and fit expertise. They can help you choose the right product, get the ideal fit and customize a product that fits your unique needs.
Customized comfort This complimentary services includes a gait analysis, inspection of your current shoes, mapping of your foot pressure points and identifying your arch type. This detailed analysis will ensure that you go home with the perfect fit.
Wide range of widths & sizes With in depth knowledge of foot anatomy, understanding of shoe design, and custom modification services, New Balance Williston can create the best fitting shoe to keep you moving at peak performance.
ie gg ved! u A pro Ap
Get Fit by a Pro
Gary Richter B.Sc. Kinesiology Sara LaBarre Board Certified Pedorthist
Maple Tree Place behind Best Buy
Open: M-F 10-6 Sat 10-7, Sun 11-5 (802) 288-9090
GO AHEAD & SMILE!
DENTURES STARTING AS LOW AS
$350 FOR UPPER OR LOWER ECONOMY DENTURES
FOR NEW DENTURE PATIENTS*
Cleaning, de-cluttering and getting rid of bulky computers were the keys for the family room.
hard it is for boomers and seniors to transition. Ben is a licensed Senior Real Estate Specialist (SRES) agent in Vermont. The National Association of Realtors (NAR) awards this designation to realtors who complete an intensive training
10% OFF ENTIRE TREATMENT PLAN
program specifically focused on the needs of buyers who are 50+. Ben’s sole focus is helping seniors 50+ transition to their new homes.
GERARD STRATTHAUS, DMD GENERAL DENTIST AFFORDABLE DENTURESBURLINGTON III, P.C. 1162 WILLISTON ROAD SOUTH BURLINGTON, VT 05403
FOR MORE INFO CALL
855.570.7569 EXPIRES 4.30.2020
Offer good only at designated location. Save 10% on any treatment plan that includes a Denture or Implant. Printed coupon or coupon shown on phone must be presented at time of initial payment and cannot be combined with any other coupon, discounts, insurance program or prior order. Offer may change or end without notice. Limit one coupon per person. *Minimum estimated value of Consult and X-Ray is $75, and covers a traditional 2-D X-Ray. Same-day service on Economy Dentures in most cases, call for details. Additional fees may be incurred depending on individual cases. Advertised fees effective through 4/30/20. 21091-10
Transitions Real Estate is Vermont’s most trusted resource for helping a beloved family member fi nd a new home, downsize or move into a single-level living space, or transition into assisted living or other senior care specialized assistance.
16 | March/April 2020 | VermontMaturity.com
Specialties of Transitions Real Estate, LLC Transitions Real Estate specializes in transitions for seniors. In other words, that is its focus and its forte. Transitions Real Estate can help its clients through any of the challenges associated with a laterin-life transition.
Senior Sellers Many of Transitions Real Estate’s clients have been in their homes for over 30 years. Their home has been an investment. Pricing the home correctly and
A deep cleaning, some de-cluttering and a repaint turned the kitchen into a bright and airy room.
making sure the client gets top dollar are main
this position, it found me.” As a teen, Ben watched
his own ancestral family home’s decline in the final
years of ownership by his grandparents. “They never looked worse than on the day they sold.” This heart-
Downsizing is a big change in a person’s life;
VERMONT FURNITURE DESIGNS ______________________
however, Transitions Real Estate is there to make it
" Thank you for the beautiful work you’ve done. It’s such a pleasure working with a company that practices such a high level of customer service, intelligent design, and superior craftsmanship. "
easier. Transitions Real Estate will help clients figure out what to take and what to leave behind.
John, Burlington, VT
Senior Care Transitions Transitions Real Estate can also help seniors who can no longer safely stay in their own homes make the transition into a senior care facility.
Client Empowerment Ultimately, the goal of Transitions Real Estate is to empower its clients to make decisions about their
HEIRLOOM QUALITY FURNITURE, MADE IN VERMONT
future by choice rather than by circumstance. Ben
Durant is uniquely qualified because of his specialized
seniors with later-in-life transitions. Ben considers this his life’s calling and frequently says, “I didn’t choose
education and experience in helping boomers and 4 Tigan St., Winooski 802.655.6568
Check us out on
Vermont Maturity | March/April 2020 | 17
The laundry room required cleaning, de-cluttering and repairing a broken appliance.
The Right Choice
for seniors and their families
Families deserve peace of mind knowing their loved ones are well cared for, at an affordable price. There may come a time when day-to-day tasks that were once enjoyable are a challenge or that conditions become unpredictable. At Mansfield Place, residents enjoy the best of both worlds, a wide range of amenities, and activities, as well as excellent services and support as needed. Call Laurie today to schedule your visit
MansfieldPlaceVT.com 18 Carmichael Street, Essex Junction, VT 05452 PET FRIENDLY
18 | March/April 2020 | VermontMaturity.com
breaking experience was transformative for Ben; although he was young and not in a position to help his grandparents, he was inspired by the memory. Benâ&#x20AC;&#x2122;s special care and compassion, as well as his skills in staging and property management, allow him to help boomers and seniors in a way he wasnâ&#x20AC;&#x2122;t able to help his own grandparents. With his deep pool of contractor contacts and senior move specialists, Ben has created a unique and all-inclusive solution for seniors: The Boomer and Senior Five Step Transition Program.
The Boomer and Senior Five Step Transition Program In order to make the transition process easier and straightforward, Transitions Real Estate offers a five step transition program for boomers and seniors.
The massive ceiling cracks were a big distraction. Repairing them allowed everyone to focus on the beautiful space.
This five step process includes everything from the
are decades younger. Staging helps potential buyers
initial discussions all the way to the completion of the
imagine themselves living in the home. According to a
survey conducted in 2015 by the National Association of Realtors, over 81% of buyers “find it easier to visualize
the property as their future home” when it is staged.
The process begins by meeting with senior real estate specialist, Ben Durant, for a complimentary home evaluation. Together, the client and Ben form an action plan to start the selling process.
Transitions Real Estate will help increase the revenue on a property sale by utilizing effective staging practices, combined with micro-improvements. It’s not uncommon for a seller to fetch $30,000 to $70,000 more for an average home in our current market simply by
Staging and Organizing
making micro-improvements. Micro-improvements may be small aesthetic updates, like painting and/or
Staging and organizing are very important steps in the real estate transition process. Expediting the home’s sale and increasing the seller’s profit are largely dependent on staging and organizing. Boomers and seniors tend to benefit more from staging than other sellers because they have owned their homes longer. Many seniors are not
Aaron Glosser, CFP® Financial Advisor
latest trends, but this is of great importance to buyers who
interested in catering to the
336 Watertower Cir Ste 102 Colchester, VT 05446-5927 802-655-5512
Vermont Maturity | March/April 2020 | 19
repair of any deferred maintenance on the home. These seemingly small changes allow Transitions Real Estate to launch a market listing in a way that captures the largest
In order to get the home in show ready
amount of potential buyers; often triggering a bidding
condition, Ben can help with the names of reputable
war. Without these minor updates, many homes can
tradespersons who are needed to make repairs or
become stagnate on the market and the sellers might
have to accept a low ball offer just to get it sold. With
Benâ&#x20AC;&#x2122;s expert planning and a small investment to prep the home for the market, there could be a huge difference in the selling price of the home.
Transitions Real Estate will sell the home for top dollar and ensure a smooth transition to the next home. Ben will be there to answer any questions and lend a hand in all aspects of the sale of the clientâ&#x20AC;&#x2122;s home.
Transitions Real Estate will help clients with the
Beyond the Five Step Transition Program,
difficult task of deciding which possessions to keep and
Transitions Real Estate works with clients to identify
which to give up as part of the down-sizing process.
any obstacles that may make their transition to the
To help with this undertaking, Ben has established
next home difficult. Ben loves problem solving and
relationships with auctioneers, estate sale specialists,
fi nding resources to take the pain out of moving. Many
and donation facilities.
of the moving requirements placed upon boomers and seniors can be oppressive. Many times Benâ&#x20AC;&#x2122;s clients
They depend on us. We rely on you. Help us... March for Meals Too many Vermont seniors are left behind, alone and hungry, struggling to stay independent and healthy. With your support, Meals on Wheels delivers nutritious meals and friendly visits, keeping seinors in their own homes, where they want to be.
agewellvt.org/marchformeals Presenting Sponsors
20 | March/April 2020 | VermontMaturity.com
Finishing the beam and eliminating unsightly wires made this a great living space.
are not getting the medical care they need and are too
moving for boomers and seniors well within reach.
often dealing with fraud. “I rely pretty heavily on my
Most remarkably, he does so without charging more
peers at the Vermont Elder Resource Group to solve
than the average real estate agent. “I take my duty
these issues.” Vermont Elder Resource Group, Inc. is a
seriously and I’m a proud guardian of my client’s
membership organization that includes both for-profit
equity.” Ben’s passion for what he does sets him apart
and non-profit professionals serving the Vermont elder
from the crowd. According to Ben, “I have found that
working with boomers and seniors isn’t a job, it’s a
In order to make a client’s transition as
calling and I feel great about what I do for the people
comfortable and easy as possible, Ben will also partner with colleagues like Donald Rathgeb at Second Act Transition Services (a senior move management company) or Annemarie Minor, a partner at Elder
that I’m privileged to be able to work with.” VM For more information or to set up a consultation, contact Ben Durant at 802-355-6688, Email Ben@transitionsvt.com or visit TransitionsVT.com.
Care Connections of Vermont. For Ben, compiling a team of like-minded individuals is just part of the job. The end goal of Ben’s partnerships with
Holly Lemieux Attorney at Law
other organizations is to make moving easier and less stressful for his clients. Ben Durant is one of the only real estate agents in the state of Vermont who focuses solely on boomers and seniors. His education and experience speak volumes to his credibility. Through Transitions Real Estate, Ben provides many specialized services that make
Elder Law • Special Needs Planning Wills • Trusts • Estates • Probate Matters 21 Carmichael St., Suite 201 • Essex Junction, VT 05452
firstname.lastname@example.org | www.plantogetherlaw.com | 802-871-5410 Vermont Maturity | March/April 2020 | 21
Don’t Play Politics with Your Portfolio by Aaron Glosser
You’re probably aware this is an election year.
poorly under different administrations and when
During the next several months, the candidates will
different parties have controlled Congress. And after
discuss issues that should greatly interest you as a
all the votes are counted, outcomes in the investment
citizen. But as an investor, how concerned should you
markets can be unpredictable. Consequently, you’ll be
be with the results of the presidential and congressional
helping yourself greatly by not making big moves in your
portfolio in anticipation of new legislation or political
Maybe not as much as you might think. At different times, the financial markets have performed well and
moves down the line. Of course, that’s not to say that nothing emerging from Washington could ever have an impact on your investment decisions. For example, if a future president and Congress decide to change the capital gains tax rate, it could affect some of your choices, such as which stocks and stock-based mutual funds you should buy, and how long you should hold them. Overall, though, your investment results will ultimately depend on actions you can take, including these:
Making Changes for the Right Reasons While the results of an election may not be a good reason to make changes in your investment portfolio, other factors can certainly lead you to take steps in this direction. For one thing, as you get closer to retirement, you may want to shift some – though certainly not all – of your investment dollars from more growth-oriented vehicles to more conservative ones. Conversely, if you 22 | March/April 2020 | VermontMaturity.com
decide, well in advance, that you might want to retire
businesses without any stockholders. Furthermore,
earlier than you originally thought, you may need to
companies with shorter track records can be much more
invest more aggressively, being aware of the increased
unpredictable investments. However, you do want to
avoid some real mistakes, such as chasing “hot” stocks. By the time you hear about them, they may already be
Following a Long-Term Strategy
cooling off, and they might not even be appropriate for your needs. Another mistake: failing to diversify
In pretty much all walks of life, there are no
your portfolio. If you only own one type of asset, such
shortcuts to success – and the same is true with
as growth stocks, you could take a big hit during a
investing. You need to follow a long-term strategy based
market downturn. Spreading your dollars over a wide
on your goals, risk tolerance and time horizon, and you
range of investments can help lower your risk exposure.
need the patience and perseverance to keep investing in
(However, diversification by itself can’t guarantee a profit
all markets – up, down and sideways.
or protect against all losses.) After Election Day, regardless of the outcome, you
can help keep your portfolio on track by not playing politics with it. VM
Many people think of an investment mistake as
Aaron Glosser is a certified financial planner for Edward Jones. He can be contacted at 802.655.5512 or Aaron.Glosser@ edwardjones.com. His oﬃce is on Water Circle in Colchester.
failing to “get in on the ground floor” of some company that ultimately grew to huge proportions. But it’s pretty hard to become an early investor in companies like these, many of which start out as privately held
GET THOUSANDS MORE
Get started today
Go to our website
Enter your address
Get your price
Choose your move date
Kevin Holmes 802-318-2647
© 72SOLD, 2019. ALL RIGHTS RESERVED
Vermont Maturity | March/April 2020 | 23
Will Independent Living Become Obsolete? by Ben Durant
The Active Adult Community and Why it Could Make Independent Living Obsolete The baby boomer generation is quite used to setting cultural trends. From mini-skirts to rock & roll, it’s hard to imagine a generation that has been more impactful on our culture. Just think of the themes in boomer iconic anthems for the generation: ✔✔ The Who’s, “My Generation” ✔✔ Bob Dylan’s “Forever Young,” and perhaps ✔✔ Rod Stewart’s “Forever Young.”
Can you spot the trend? According to Boomers, they will never grow old. They thought that when they were young and they have not outgrown this state of mind decades later. These ideas of age and preferences will have a deep impact on life as we know it, including senior housing. When the largest generation to ever grace our planet perceives itself as forever young, one can understand why boomers are tending to stay away from the last generation’s gateway to senior housing; independent living (IL). These facilities are still doing well and are still seeing active investment and development across our community and country. But are developers lagging 24 | March/April 2020 | VermontMaturity.com
behind the trend? The reality is that these communities are seeing a higher than expected age of residents along with a higher level of acuity of care required for these residents. This trend is catching some analysts by surprise and some are asking: Where have all the boomers gone? And if they’re not going to IL, where are they going? My in-laws Bob and Linda Livingstone provide a great example of where the boomers have gone. In the past year, the Livingstones downsized. Instead of buying a single level condo, or entering into an IL facility, they sold all of their possessions except what they could fit on their 44 foot power catamaran. Instead of settling down and slowing down, as I write this, they are steaming towards Key West FL with good times on the horizon. According to Bob Livingstone, “I’m far too young to settle down into an independent living facility. That’s not even on my radar.” According to Bob, his concerns are connecting with friends, the next destination, and what Linda is
mixing up for “docktails” at four. Could these preferences
to Sam Beall, a leading Vermont architect and certified
exemplified by the Livingstones upset the trend and
aging in place specialist at the architecture firm Duncan
threaten to make an entire senior housing sector obsolete?
Wisniewsi, It has to go far deeper than just a rebranding/
Bob and Linda are part of a growing number of
Beall explains that “Vermonters want to stay young.”
boomers who are pursuing an active lifestyle. This is why
When explaining how this trend is presenting itself here
one of hottest burgeoning trends of today is the Active
in Vermont, Beall states that “It has become about where
Adult Community (AAC). Like IL residences, Active
you build as much as how you build that is important.
adult community homes include universal design that
It’s all about adjacencies. What is close by for amenities,
allows aging-in-place to happen gracefully. But beyond
recreation, and shopping? Is the community walkable?”
these basics, Active adult communities are centered
These are some of the driving factors that guide Mr. Beall
around active amenities such as slope side skiing, golf and
as he works with his development partners to build
tennis, as well as dockside yacht club homes that feature
Vermont’s communities of tomorrow - communities that
owned dock spaces. These options are a far cry from the
may well exclude the term independent living anywhere
traditional IL shoe boxes that we’ve seen produced in the
in the community’s marketing, while including a higher
quality of life for today’s active boomers and seniors. VM
This push for active communities may well replace IL as we know it. We have already seen that many of the operators of Vermont’s senior living facilities are racing to catch up to this trend. Some of this may just be a rebranding of IL to make it sound more active. According
Ben Durant is a Senior Real Estate Specialist® and Owner of Transitions Real Estate. He is dedicated to helping Vermont Seniors and Boomers find their best housing solutions. Ben lives with his wife and three children in Williston. He can be contacted by visiting Transitionsvt.com or by calling 802.355.6688.
Vermont’s leader and most trusted Memory Care Community We offer: • • • •
Individualized plan of care to meet your loved one’s specific needs 24-hr specialized dementia nursing care A Dedicated Geriatric Medical Director on-site Residential care & nursing home license so your loved ones can age in place • Daily specialized activities – 7 days a week (9 a.m.-7 p.m.) • Upfront pricing model; no tiers or hidden fees
Vermont’s Leader in Memory Care… for Over 30 Years
687 Harbor Road • Shelburne • arborsatshelburne.com • (802) 985-8600 Vermont Maturity | March/April 2020 | 25
10 Things Medicare Doesn’t Cover by Jim Miller
While Medicare (Part A and B) covers a wide array of health care services after you turn 65, it doesn’t cover everything. If you need or want certain services that aren’t covered, you’ll have to pay for them yourself unless you have other insurance, or you enroll in a Medicare Advantage health plan, which may offer some additional benefits. Here’s a look at some commonly needed medical services that original Medicare doesn’t pay for. Most dental care: Routine dental care including checkups, cleanings, fillings, tooth extractions and dentures are not covered by Medicare. However, some Medicare Advantage plans do cover basic dental care services. Routine vision care and eyeglasses: Medicare does not cover routine eye exams, eyeglasses and contact lenses (except following cataract surgery), but tests, treatments
Hearing aids: Medicare will not pay for hearing
and surgeries for medical eye diseases like cataracts,
exams or hearing aids, but may cover a hearing and
glaucoma and macular degeneration are covered. Some
balance exam if your doctor determines it’s necessary.
Medicare Advantage plans do offer routine vision benefits.
Some Medicare Advantage plans do offer hearing benefits.
Alternative medicine: Acupuncture, chiropractic
Long-term care: Nursing home care and assisted
services (except to fix subluxation of the spine), and
living facilities are not covered by Medicare. But,
other types of alternative or complementary care are not
Medicare will help pay up to 100 days of skilled nursing or
covered by Medicare.
rehabilitation care immediately following a hospital stay
Prescription drugs: Medicare (Part A and B) doesn’t provide coverage for outpatient prescription drugs, but
of three or more days. Personal home care: If you need to hire help for
you can buy a separate Part D prescription-drug policy
bathing, dressing or getting out of bed, Medicare typically
that does, or a Medicare Advantage plan that covers both
won’t cover these costs either, unless you are homebound
medical and drug costs.
and are also receiving skilled nursing care. Housekeeping
Cosmetic surgery: Most cosmetic procedures are
services, such as shopping, meal preparation and cleaning
not covered, however, if the surgery is due to an injury or
are not covered either unless you are receiving hospice
deformity, it might pay. For example, Medicare will cover
care. But a few Medicare Advantage plans do offer in-
a breast prosthesis for breast cancer survivors.
home support services.
26 | March/April 2020 | VermontMaturity.com
Routine foot care: Medicare
gov/coverage and type in your test,
does not cover most routine foot
item or service, or download the
care, like the cutting or removing
Medicare “What’s covered” app on
of corns, calluses and toenails. But
the App Store or Google Play. And to
they do cover medically necessary
look for Medicare Advantage plans
podiatrist services for foot problems
that offer additional benefits visit
like hammertoes, bunion and heel
spurs, along with exams, treatments
Medicare covers a service or item,
you have diabetic foot problems.
they don’t pay 100 percent of the
Overseas coverage: In most cases,
THAT’S ALL WE DO.
Also keep in mind that even if
and therapeutic shoes or inserts if
cost. You will have to pay a monthly
health care outside of the United
Part B premium (which is $135.50 for
States is not covered by Medicare
most beneficiaries) and unless you
except for very limited circumstances
have supplemental insurance, you’ll
– such as on a cruise ship within six
have to pay your annual deductibles
hours of a U.S. port. But, Medigap
and copayments too. However, most
supplemental plans D, G, M and
preventive services are covered 100
N cover 80 percent of emergency
percent by Medicare with no copays
care abroad, and some Medicare
or deductibles. VM
Advantage plans cover emergency care abroad too. The best way to find out what Medicare covers is to talk to your health care provider, visit Medicare.
Estate Planning & Elder Law
Jim Miller publishes the Savvy Senior, a nationally syndicated column that offers advice for Boomers and Seniors.
Glenn Jarrett and Jennifer Luitjens Certified as Elder Law Attorneys by the National Elder Law Foundation
Let our knowledge and experience help you plan for the future. ♦ Wills & Trusts ♦ Long-term Care Planning/Medicaid ♦ Special Needs Planning ♦ Trust Administration ♦ Probate Administration
1795 Williston Rd., Ste. 125 So. Burlington
VermontEstatePlanning.com Vermont Maturity | March/April 2020 | 27
March is National Nutrition Month® by Brigitte Harton, RD, CD, NBC-HWC
March is National Nutrition Month®, and this year’s
habits a reality- like when developing the habit of teeth
theme is Eat Right, Bite by Bite- a message that emphasizes
flossing or carrying a water bottle to improve hydration.
the importance of making small, sustainable changes in the
Bite by Bite is a way to remind you that making a healthy lifestyle change can be achieved by taking small,
diet. Let’s face it; Rome was not built in one day. Your
doable steps. Step by step or bite by bite can bring you closer
lifestyle habits were also developed over several years,
to your health goals. When you are successful in making
maybe over your lifespan. That means these habits (good
a small change, you feel empowered by the knowledge
or bad) cannot be undone overnight. If you’ve never been
that success is possible, and this brings on more success.
a vegetable eater, it’s not likely you will start enjoying them
This concept is called self-efficacy which is your belief in
all of a sudden because your doctor or dietitian said you
your own abilities to deal with various situations. Since
should. The same goes for exercise, if you’ve always been
small steps are easier to achieve than giant leaps, you are
active, you’ll probably continue to be active as you age.
increasing your chances of success by making one small
Think about the time and effort needed to make healthy
change at a time. Here are a few examples of small steps to consider in honor of National Nutrition Month®: If you feel you should eat more fruits and vegetables, start with adding one additional portion to your day. Maybe you can sprinkle dry or fresh fruit in your morning cereal or yogurt, or add chopped tomato, carrot or onion to
YOUR PATH ONWARD AND UPWARD
Serving Vermont's Seniors and Boomers, statewide with all of their real estate needs. Ben is dedicated to problem solving the unique issues facing Vermont's greatest generations. Call Ben today for a free consultation. Phone number: 802.355.6688
your spaghetti sauce. Consider switching one of your grain portions from refined to whole grain. Examples are eating oatmeal in the morning instead of puffed rice; choosing whole wheat bread instead of white bread, or including a side of quinoa or brown rice instead of white rice. Concerned about your blood cholesterol level? How about reducing your meat portion to the size of a deck of cards? This will help reduce the amount of harmful saturated fat in your diet. Switch from whole milk or cream to 1% reducedfat milk in your coffee for an easy way to reduce fat and
a plant-based protein source such as legumes, tofu, nuts,
28 | March/April 2020 | VermontMaturity.com
Have at least one meatless meal per week. Choose seeds, or quinoa.
Include one to two portions of fish per week. Fish is a great source of omega 3 fatty acids and is a lean protein source that has benefits for heart and brain health. Cut down on junk food in a way that is doable for you. Maybe it’s reducing your soda intake by one can each day, or swapping popcorn for potato chips. Only you know what small change you can make in your diet. Pick a change that is important to you and that you know you can make- set yourself up for success. Once the small change has become a habit, you can then move on to another challenge. Ask yourself why you want to make the change and write it down as a reminder. Working with
A Bhutanese elder enjoying a nutritious banana at one of Age Well’s community meals
a health coach is another way to help you make changes in
This March, you can also support access to healthy
your diet and lifestyle that last. Bite by Bite, you can make a
nutritious meals here in Vermont by joining Age Well’s
March for Meals. Throughout the month of March,
Are you finding it hard to pay for nutritious groceries?
hundreds of Meals on Wheels programs across the country
Learn about 3SquaresVT and CropCash which can help
reach out to their communities to establish a network of
you stretch your food budget or find a food shelf near you
support that will enable them to serve America’s seniors
by calling Age Well’s Helpline at 800-642-5119.
all year long. As the largest Meals on Wheels provider in Vermont, Age Well oversees 60 routes, serving over 225,000 (CONTINUED BOTTOM OF PAGE 30)
Something To Think About James A Meunier, director
MOURNING BEHAVIOR Is mourning natural? Consider the fact that it isn’t only people who mourn. Scientists have watched what they call “mourning behavior” in animals as well. The famous biologist Konrad Lorenz studied geese and learned that when one partner of an adult pair of geese dies, the other one mourns. First, the remaining partner tries to find where the other one has gone, searching everywhere. Even though the goose may be a strong, fullgrown adult, all of a sudden it
starts running away from even the youngest and weakest geese. Usually very pushy and aggressive, it becomes very shy and won’t approach human beings or go to its feeding place. Although it has been away from its parents and siblings for a long time, it goes back to them again, acting much younger than it really is. Other biologist who study monkeys and apes say they’ve seen similar kinds of mourning behaviors among those animals
OFFERED IN THE PUBLIC INTEREST EVERY MONTH BY
Elmwood Meunier Funeral Home & Cremation Service 97 Elmwood Avenue • Burlington, Vt • (802) 864-5862
Service to Five Generations
Independent Living Rental Apartments for those 55 Years of Age and Older
7 & 9 Joshua Way, Essex Junction • 1-2 Bedroom Apartments w/Balconies • No Smoking & No Pets • Walking Distance to Pharmacy, Restaurants and Other Services • Coin Operated Laundry on Site
• Underground Parking • Outdoor Gardening • Reasonable Market Rate Rent • State-of-the-Art Life Safety System • Many Optional Extras • Monthly Calendar of Events
Call or E-mail today for more information 872-9197 • email@example.com
Pinecrest Full Circle Property Management, Inc.
A Senior Living Community
Vermont Maturity | March/April 2020 | 29
BUSINESSCARDS Since 1974, we have provided Northwestern Vermonters with essential services to help them age well.
A REPUTATION FOR RESULTS!
• Helpline • Care Coordination • Meals on Wheels • Tai Chi • Community Meals • Medicare Classes Helpline: 1-800-642-5119 To learn more visit agewellvt.org
NANCY JENKINS REAL ESTATE,.
WEB: NANCYJENKINS.COM E-MAIL: INFO@NANCYJENKINS.COM
HOMESHARE Bringing Vermonters together to share homes Call us at
(802) 863-5625 Visit us at
Loc ally Ow ned
Your purchase of $75 or more
Get Fit by a Pro! WILLISTON
Maple Tree Place, Williston
Present at time of purchase. Cannot be combined with other offers. VTM. Expires 12/31/20
Visit our Showroom at 4 Tigan Street, Winooski, VT 05404 PHONE:
High Quality Furniture for Your Bedroom, Dining Room, Office & More
802-655-6568 • VermontFurnitureDesigns.com
(CONTINUED FROM PAGE 29)
meals each year. A volunteer team of 500 drivers delivers meals to older Vermonters every day of the week. Not only are we are experiencing a significant increase
For more information about the services Age Well provides such as Community Meals, Meals on Wheels, Care Coordination, and more call 800-642-5119 or visit AgeWellVT.org.
in the number of individuals who need our services, but we are also facing uncertainty in receiving Federal and State funding. To avoid waitlists and to ensure that aging Vermonters maintain their independence and health, we ask for your support in helping to take care of those who once took care of us. Learn more about getting involved visit Agewellvt.org/marchformeals. Brigitte Harton is a consultant Registered Dietitian at Age Well and a Board Certified Wellness Coach. You can reach her at firstname.lastname@example.org. VM 30 | March/April 2020 | VermontMaturity.com
Adding more fruit into your day can be as easy as eating an apple or orange.
We had a small job…
but they treated me like they took care of my whole house.”
~ Keith D.
Special Financing Available !
0 % Interest f 12 Months !!or
FREE In-Home Consult !
CARPET | HARDWOOD | TILE | LAMINATE | VINYL | RUGS | WINDOW TREATMENTS — family-owned since 1985 —
800 Marshall Ave. • Williston 862-5757 Mon.-Fri. 9 a.m. - 5:30 p.m. Sat. 10 a.m. - 3 p.m. or by appointment
HOMESHARE Bringing Vermonters together to share homes HomeShare Vermont is a non-profit organization with over 35 years of experience providing a comprehensive screening and matching service for people who have a home to share and others looking for a place to live. Our services are open to people of all ages and incomes.
Call us at
(802) 863-5625 Visit us at