January/February 2020 Issue
The Arbors at Shelburne Learn About the 50 Plus Expo How to Make Money Last in Retirement Technology for Aging in Place
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Where will 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
The Arbors at Shelburne 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.
How to Make Your Money Last During Retirement by Aaron Glosser
Power up With Protein
14 TM VERMON
IRS Introduces a Tax Form Created for Older Taxpayers by Jim Miller
Technology for Aging in Place by Ben Durant
by Brigitte Harton, RD, CD, NBC-HWC
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Vermont Maturity Cover Story
The Arbors at Shelburne by Eric Hopper
The Arbors at Shelburne is a dually licensed senior living community providing residential and nursing home level of care in Shelburne, VT. It is a senior living community dedicated exclusively to serving the needs of individuals with Alzheimer’s Disease and related memory impairments. The Arbors at Shelburne has developed special programs and services to meet the unique needs of this fragile population. Its award-winning Mind & Memory program celebrates the spirit and supports the capabilities of its residents through individualized
Arbors at Shelburne received the Benchmark Circle Award.
and group activities that encourage creativity and self-
The community was recognized out of all 58 Benchmark
expression. Led by a certified dementia practitioner,
communities across the Northeast for achieving the highest
The Arbors offers a specialized form of assisted living
resident and family satisfaction. “At the Arbors we take
combining personal care assistance and innovative
our mission of elevating human connection very serious,’
medication management with dedicated programs and
says Wendy Brodie, LNHA Executive Director, “Dementia
dignified dining for life enrichment. Using research-based
is a difficult disease, so it’s important to us that we create
programming, the staff at The Arbors of Shelburne helps
rewarding, fulfilling experiences for our residents and their
seniors engage in physical, social, intellectual, emotional,
families every day that help them keep connected to what’s
purposeful, and spiritual wellness. The ultimate goal at
important to them.”
The Arbors is to create an environment that feels safe, familiar, empowering, and fulfilling.
The Arbors at Shelburne Family The residents at The Arbors at Shelburne are not just
The Benchmark Story The Arbors at Shelburne is a Benchmark Senior Living memory care community. Over twenty years ago, CEO Tom Grape recognized the need for setting a new
residents; they are family. The Arbors is their home and
standard or “benchmark”. He saw the opportunity to
their community. The staff loves them, cries with them,
create an exceptional living experience for seniors built on
laughs and jokes with them, and, most importantly, they
connections, bonds, and quality care. He knew that what
make them feel safe and secure. Those employed by The
seniors wanted most were to feel safe, fulfilled, dignified,
Arbors view their positions as much more than just a “job”.
and respected. By inspiring a “people first” philosophy,
There is a sense of calling to do this kind of work and it is
Tom created a culture of positive and rewarding human
in the fabric of their hearts and souls. In April 2019, The
connection; not only for residents and families, but for
6 | January/February 2020 | VermontMaturity.com
his associates as well. After all, a happy and inspired staff creates a happy and inspiring environment. The folks at Benchmark Senior Living have a heartfelt desire to get to know their residents and are curious about the residents’ life stories. The staff engages as trusted friends. They seek to deeply know and connect with residents. This helps connect the residents to what and who matter at every stage of life. Benchmark cares deeply about their residents and their passions, dreams, hobbies, memories, and families. Perhaps the number one thing that stands out to residents at The Arbors is the meaningful relationships that are created in the community. By focusing on the people and experiences, Benchmark is able to introduce an exciting and refreshing option to senior living. Benchmark facilities are beautifully designed and expertly managed assisted living communities.
Highlights of The Arbors at Shelburne Community Residents of The Arbors at Shelburne benefit from a hospitality model combined with comprehensive medical
oversight including a full calendar of programs and events including purposeful community outings, thoughtfully prepared balanced meals, housekeeping, laundry service, transportation, and friendships to last a lifetime. The following are just some of the differentiators of The Arbors at Shelburne: Dual License - The Arbors is a dual license facility. This means it holds both residential care and nursing home licenses. Many other facilities do not hold dual licenses. The benefit of a dual license is a resident will truly be able to age in place. Higher medical needs and increased care needs can be managed in the comfort in a community that is their home. In-House Medical Director - Dr. Zail Berry, the medical director, is in-house three days a week, plus is on-call after hours and weekends. An in-house primary care physician means residents do not need to leave the community to get care. The residents have a geriatrician who is available and understands the issues they are facing. Having an in-house medical director is not something every memory care facility has and is just another example of how The Arbors community stands apart from the rest. Vermont Maturity | January/February 2020 | 7
Estate Planning & Elder Law THAT’S ALL WE DO.
24 Hour On-site Nursing Care 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
- The Arbors at Shelburne always has enough team members to meet the needs of each and every resident at all times. with Activities of Daily Living - The
Arthritis Exercise Program. It
Arbors provides reminders and
has partnerships with physical,
physical assistance with bathing,
occupational, and speech therapists
dressing, hygiene, dining, continence,
to provide on-site therapy when
needed. There is also an on-site salon
Assistance with Dining and
♦ Trust Administration
makes every extra effort to ensure the
offers programs seven days a week, including the award-winning
Texture Modified Dining - The staff
1795 Williston Rd., Ste. 125 So. Burlington
The Arbors at Shelburne
Total or Partial Assistance
♦ Special Needs Planning ♦ Probate Administration
Additional Programs/ Services
residents dine with dignity.
providing the residents with a wide range of salon services. Respite Stays - Respite stays are available to accommodate your
Medication Management -
schedule, whether during the day
Medication management is provided
or for overnight stays. If you are a
for all residents regardless of their
caregiver providing support to a
level of care. The Arbors also partners
loved one with memory impairment,
with Kinney Health Direct Pharmacy
The Arbors offers short-term stays
to provide free and easy prescription
for when you need a break to rest
delivery and refill services.
and recharge. Through the Easy
Social Work - A social worker
Care respite care program, short-term
is on staff to provide support to
stay guests benefit from the same
residents and their families as they go
services and amenities as permanent
on this journey.
8 | January/February 2020 | VermontMaturity.com
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Fundraising Benchmark associates are also involved in fundraising efforts for the Vermont chapter of the Alzheimer’s Association. They sponsor the Promise Garden each year at the Walk in Shelburne and The Longest Drive for the Longest Day on June 21st at the Kwini Club in Shelburne. The Arbors hosts trivia night as well as paint and sips events and car washes. All these events help raise money for the Alzheimer’s Association. This year The Arbors at
Shelburne is giving the proceeds from its annual Wreath
The Arbors at Shelburne strongly believes in giving
and Dementia Grant. For Benchmark and its associates,
Stroll and Silent Auction to Age Well’s Meals-on-Wheels
back to its community. Each summer it is involved in
it is all about human connection, helping each other, and
Benchmark’s Radiant Acts of Kindness. These radiant
spreading kindness. When searching for a long-term care facility for
acts of kindness are comprised of a wide variety of acts that could include bringing Gatorade to a road crew
your loved one who has dementia, you’ll want to make
on a 90-degree day, delivering meals to those in need,
sure it provides the right type of certified memory
donating backpacks and school supplies to homeless and
care specialists and a safe environment with constant
foster children, or bringing pies to the fire and police
monitoring. The Arbor’s staff provides specialized care to
departments in Shelburne. In 2018, Benchmark associates
seniors with dementia. They understand the complexities
elevated human connection by performing over 1,500
of Alzheimer’s and how it impacts families. Dementia is
radiant acts and touching over 6,000 lives.
a progressive disease that does not get better. It can be an emotional time filled with worry and guilt about your loved one’s safety and future. Families who are looking for a community for their loved one can rest assured that The Arbors at Shelburne’s memory care community has cared for hundreds of individuals with dementia and are wellexperienced in providing a meaningful and enriching life for the residents. VM
Aaron Glosser, CFP®
336 Watertower Cir Ste 102 Colchester, VT 05446-5927 802-655-5512
10 | January/February 2020 | VermontMaturity.com
For more information call 802-985-8600 or visit ArborsAtShelburne.com.
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How to Make Your Money Last During Retirement by Aaron Glosser
It’s probably safe to say that many of us are concerned about having enough money to cover our retirement
such a strategy, you may want to consider these three
years. In fact, some surveys have shown that we are more
frightened of running out of money than we are of dying. What can you do to help alleviate these fears? Your first move is to create a retirement income strategy, and you’ll want to develop it well before you need to use it. While there are many ways to develop
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Withdrawal Rate Your withdrawal rate is the percentage of your portfolio you use every year during your retirement. So, for example, if you retire with a portfolio worth $1 million and you choose a 4% withdrawal rate, you’ll be taking out $40,000 per year. Your withdrawal rate will depend on several factors – your age at retirement, the size of your portfolio, potential earned income, date at which you start taking Social Security, and so on. Clearly, when deciding on a withdrawal rate, you’ll want to reach the “Goldilocks” solution – not too much, not too little, but just the right amount.
We provide a caring, homelike, affordable residence for seniors in a setting that encourages independence, activities and involvement with families, friends and the larger community.
Reliance Rate Your reliance rate is essentially the percentage of your overall retirement income that comes from your investment portfolio – your IRA, 401(k) and other accounts. It’s called a reliance rate because you rely on this portfolio for your income. The higher your reliance
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rate, the more you will rely on your portfolio to provide income during your retirement, and the greater your sensitivity to market fluctuations.
Income Sources The more sources of lifetime income you have – such as Social Security and a pension from your employer – the less you may be relying on your investment portfolio to cover your retirement goals. However, many private employers have moved away
from pensions in favor of 401(k)-type plans, and Social Security will only provide about 40% of your preretirement income in retirement, assuming your earned income is average for U.S. workers, according to the Social Security Administration. Consequently, you may want to consider options such as annuities, which can provide lifetime income benefits. It will take careful planning to put these three factors together in a way that can help you build enough consistent income to last throughout your retirement – which could easily extend two or three decades. And there’s no single formula for everyone. For example, while an annuity could offer lifetime cash flow and help you reduce your reliance on your investment portfolio, it also involves fees and expenses, plus lower liquidity than other sources of income, so it may not be right for everyone. Fortunately, you don’t have to go it alone when taking all your retirement income factors into account. You may want to work with a financial professional – someone who can evaluate your individual situation and then recommend retirement income solutions based on your appropriate reliance rate, withdrawal rate and potential income sources. By getting the help you need and by following a suitable long-term strategy, you can ease some of the stress that comes from wondering if your life span might eventually exceed your financial resources. VM 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.
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Vermont Maturity | January/February 2020 | 13
Technology for Aging in Place by Ben Durant
How to Stay Connected While Keeping Independent I recently attended a panel discussion hosted at TLC Homecare in South Burlington on the subject of aging in place. Following the panel discussion was Q&A where the question was raised, “What’s your favorite technology that allows boomers and seniors age in place?” A lively discussion ensued on how current mainstream technology offers not only the tools people need to age in place independently, but can offer expanded confidence and connectedness family and friends. As this is one of my favorite topics, I chimed into
Something To Think About James A Meunier, director
BEREAVEMENT, GRIEF, MOURNING The words “bereavement,” “grief,” and “mourning” are often used almost interchangeably. However, there are some subtle and significant shades of difference that should be understood. BEREAVEMENT is a statement of fact. It is a simple acknowledgement of your relationship to a person who has died and connotes nothing of the way you react to that death. The death of one close relative may be heart-rending, the death of another may leave you cold.
People who are bereaved often experience GRIEF. This is the powerful emotion that should, and usually does, follow the death of a loved one. For everyone it is unique, and must take its own course and duration. MOURNING refers primarily to social behavior following a death. There are a great variety of cultural, ethnic, and religious norms for mourning. Sociologists and psychologists are finding that these ritualized expressions of grief can be of great benefit to the bereaved.
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the discussion with one of my favorite pieces of tech for seniors; the Apple Watch. I know this technology well and recently got one for my own mother after she mentioned to me that she’s had a number of “spills” lately on her routine morning walk. My mom is healthy and spry and is just in her mid-70s, but she lives alone and very far away from me. We all know people who have fallen and spent too much time on the ground without being able to access help so I was rather alarmed at her revelation of falls. She and I discussed the LifeAlert option and she flatly said “No way, I’m far too young for that!” I had recently read a review of the latest Apple Watch (series 4 and 5) that I was considering for myself when I read about the watch’s fall-detection technology that will call 9-1-1 in the event of a fall - in or out of the home. Beyond the fall-detection technology, the Apple Watch also has electrocardiogram (ECG) technology that can give the wearer early notice of cardiac abnormalities such as atrial fibrillation. (CONTINUED ON PAGE 18)
14 | January/February 2020 | VermontMaturity.com
FREE ADMISSION • SATURDAY, FEB. 15, 2020
The largest event for Baby Boomers and Seniors in Northern New England!
VERMONT MATURITY MAGAZINE
The 25th annual Vermont 50-Plus & Baby Boomers EXPO is
Saturday, Feb.15, 2020 at University Mall in So. Burlington.
FREE ADMISSION: 10 a.m.- 3 p.m. Open to all ages, the expo offers fun and informative EXHIBITS, interactive Seminars, GIVEAWAYS, Lyric Theatre Broadway Music Revue and a fun new addition — the Senior Talent Show! The event kicks off with the 2020 Heart Walk to benefit the American Heart Association’s Vermont Chapter. Sign up as an individual or create a team – a great way to have fun, get exercise and raise money for a good cause!
For updated information and more details...
www.vermont50plusexpo.com SPONSORED BY
I N S U R E.
I N V E S T.
R E T I R E.
Available through CUSO Financial Services, L.P. (Member FINRA/SIPC)
FREE ADMISSION • SATURDAY, FEB. 15, 2020 The largest event for Baby Boomers and Seniors in Northern New England!
VERMONT MATURITY MAGAZINE
ENTERTAINMENT & MORE...
VT Heart Walk to benefit American Heart Association VT Chapter • 10am (Registration at 9:30am)
Join the Heart Walk and raise money to help the Vermont Chapter of the American Heart Association. The Heart Walk will kick off the 25th annual Vermont 50 Plus & Baby Boomers EXPO. “We encourage everyone to come out to support the Heart Association’s local chapter to raise money to support all of the amazing things that this
organization does for our community,” said Marianne Apfelbaum, co-producer of the EXPO. “It is very easy to sign up as an individual or a team by visiting http:// vermont50plusexpo.com/ and clicking on the red “Walk” button. The walk is all indoors and will be a fun and healthy way to help raise money for a great cause.” Heart Walks are the signature community events for the American Heart Association’s Healthy for GoodTM movement, which encourages Americans to lead healthier lives by delivering science-based recommendations, tools, tips and motivation to build healthier behaviors. The walk also raises funds to support
Senior Talent Show • 2 p.m. University Mall Stage Come and enjoy watching local talent perform to win great prizes…or enter yourself! We are recruiting local seniors for this exciting new part of the EXPO that will include a grand prize for the winner! How To Enter the Senior Talent Show The entire event is free and open to the public. Video submissions are due Saturday, Jan. 25 by 6pm. You must be age 50 or older to submit a video for the talent show.
the fight against heart disease and stroke. To learn more about the American Heart Association in Vermont, please visit heart. org/Vermont.
Lyric Theatre Broadway Revue 11 a.m. – University Mall Stage
Lyric Theatre singers will be performing solos, duets and group numbers.
• Choose a talent that you want to showcase on stage in front of the attendees. • Film a fun 60 second video of your talent. • Upload the video to your computer. • Send the video to: firstname.lastname@example.org • We will select the top 8 videos and notify, via email, those chosen to perform at the Expo. • Please arrive at the mall no later than 1pm and go to the talent show registration table located in the center court, next to GNC. • A panel of judges will determine the winner, following the performances. For more information about the 50 Plus Expo go to http://vermont50plusexpo.com/ For questions, email: email@example.com
For updated information and more details...
FREE ADMISSION • SATURDAY, FEB. 15, 2020
The largest event for Baby Boomers and Seniors in Northern New England!
VERMONT MATURITY MAGAZINE
WORKSHOPS/SEMINARS Enjoy fun and informative presentations by some of our sponsors • Blue Cross Blue Shield of Vermont “Interactive Chair Yoga” • University of Vermont Medical Center “Health Talk” - various topics • Vermont’s Green Mountain Tours “How to Travel the World” featuring presenter from CIE International • Vermont Dept. of Financial Regulation “Fraud Awareness” Plus great information, giveaways and more from all of our exhibitors!
A day of fun, learning & socializing... & it’s all free! Special thanks to our presenting sponsor Vermont Maturity Magazine For updated information and more details
(CONTINUED FROM PAGE 14)
The Apple Watch is a cool product for all people that choose to wear one; from teens, Wall Street types, and seniors alike. Thanks to advancing technology, we now have products with sophisticated falldetection, and ECG technology that still screams that you are still very savvy and cool. My mom jumped at the chance to get hers and she loves
Alexa remind them when it’s time to take their medicine and not to forget
Another piece of technology from Amazon making a splash in 2020 in the elder community is the Amazon Show.
it for a multitude of reasons but none greater than for the confidence and surety that it brings all without the optics of wearing a Life-Alert. As her son,
about appointments and regularly scheduled events. Some of my clients take dozens of pills a day - To keep it all straight, I’ve learned that there are specific Alexa apps like Medisafe, a tool that reminds people when it’s time to take their next dose, whether to take the pills with water or food, and what side effects
might be attributable to the medication. I recently helped my clients Ron and Kathy Jensen
I know that it’s keeping her safe, and ultimately, more
downsize from a classic colonial, into a single level
living condo close to all the services Chittenden County
As a real estate agent for seniors, I spend a lot of
has to offer. Ron is a quintessential tech savvy boomer
time in my client’s homes and I’ve noticed more and
and had a very successful career in IT Management for
more voice-assistive technologies like the Amazon Echo
several Fortune 500 companies in and outside of the U.S.
and how they play a larger role in helping seniors age
When it was time to outfit his newly-constructed condo,
in place. Many of my clients don’t hesitate to have their
Ron made sure to incorporate several pieces of home
Active Community Wake Robin residents are engaged every day, practicing yoga, swimming, and keeping their bodies and minds well nourished. With over 40 resident driven activities, you’re bound to exercise your passions, discover new ones, and make great friends. We would love to share with you all the exciting changes that are happening here at Wake Robin! To learn more about our vibrant lifeplan community and our current incentive pricing, please call to schedule a tour or visit us at wakerobin.com. 802.264.5100 / wakerobin.com
200 WA K E R O B I N D R I V E , S H E L B U R N E , V E R M O N T
18 | January/February 2020 | VermontMaturity.com
automation technology to make their lives better. Ron
for regular checks-ins or to connect quickly if help is
can control his thermostats, lights, and security-system
from home through his voice activated Alexa, or with
To conclude, when it comes to technology,
a few clicks on his smartphone from anywhere in the
sometimes it’s better to have a device that works for the
World. Ron admits that hasn’t connected nearly all of
masses rather than one that caters to your specific age
the possible devices, including light switches, stating “I
group niche. Much of today’s best technology has a
don’t want everything automated yet, because I still need
broad appeal for people of all ages but the senior specific
a reason to stand up.”
functions can make these devices the best options for
Another piece of technology from Amazon making
today’s savvy boomers and seniors at prices that within
a splash in 2020 in the elder community is the Amazon
reach for most consumers. We may not have flying
Show. This is a tablet based device that is similar to
cars as predicted Hanna & Barbara’s Jetson’s cartoon,
the Echo and allows you to set reminders and control
but the latest iteration of technology offers not only the
connected devices. But the most exciting aspect of the
tools people need to age in place independently, but this
Show, is the video conferencing capability. Using just
technology allows us to do it well; with confidence and
your voice, you can ask it to call another Amazon Show
greater connectedness to family and friends. VM
virtually anywhere in the world. We’ve had this basic technology for a while with services like FaceTime and Skype, but with the simplicity of voice command, easy package and very low price options, it has never been easier to stay connected with friends and family
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.
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Vermont Maturity | January/February 2020 | 19
IRS Introduces a Tax Form Created for Older Taxpayers by Jim Miller
The Internal Revenue Service (IRS) has created a new federal income-tax form specifically designed for senior taxpayers, age 65 and older, that should make filing a little easier this year, particularly those who donâ€™t file electronically. Hereâ€™s what you should know.
Form 1040-SR Created by the 2018 Bipartisan Budget Act, the new two-page simplified federal income tax form is called the 1040-SR. Similar in style to the old 1040-EZ form that the IRS discontinued last year, the new 1040-SR has
20 | January/February 2020 | VermontMaturity.com
larger print and better color contrast that makes it easier to read. In addition, it also includes a chart to help older taxpayers calculate their standard deduction, which may help ensure that fewer seniors neglect to take the additional standard deduction that they are entitled to. For 2019, the additional deduction for those 65 or older or the blind is $1,300. The 1040-SR form also has specific lines for retirement income streams such as Social Security benefits, IRA distributions, pensions and annuities, along with earned income from work wages and tips. And, it allows a child tax credit for seniors who are still taking care of a dependent child or grandchild. You can also report capital gains and losses, as well as interest and dividends on this new form. Any of the tax schedules available to those using the standard form 1040 may also be used with the 1040-SR. You should also know that the 1040-SR doesn’t put a limit on interest, dividends, or capital gains, nor does it cap overall income like the old 1040-EZ form did. But,
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Vermont Maturity | January/February 2020 | 21
Why Williston Place?
if you have to itemize because of state and local taxes or charitable giving, then you will not be able to use the new Form 1040-SR.
Paper Filing Advantage Seniors who use tax-preparation soft ware to file their taxes will be able to generate a 1040-SR, but the new form will provide the most significant benefit to taxpayers who still fill out and file their returns on paper. Last year, about 88 percent of the 153 million Your Schedule
y Tour Toda
individual federal tax returns filed to the IRS were filed electronically. About 5 percent were prepared using tax soft ware, then printed out and mailed to the agency, while about 7 percent were prepared on paper. To use the new 1040-SR tax form for the 2019 filing year, taxpayers, including both spouses if filing jointly, must be at least age 65 before Jan. 1, 2020. You also don’t have to be retired to use the form – older workers can use it too. But early retirees (younger than 65) cannot use 1040-SR.
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
form, go to IRS.gov/pub/irs-dft/f1040s--dft.pdf.
Tax Preparation Help If you need help filing your tax returns this year, consider contacting the Tax Counseling for the Elderly (or TCE) program. Sponsored by the IRS, TEC provides free tax preparation and counseling to middle and lowincome taxpayers, age 60 and older. Call 800-906-9887 or visit IRS.treasury.gov/freetaxprep to locate a service near you. Also check with AARP, a participant in the TCE program that provides free tax preparation at more than 4,800 sites nationwide. To locate an AARP Tax-Aide site
Call Jennifer Olson today! (802) 871-5409 An Age 55+ Community
To see the 2019 draft version of the new 1040-SR
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22 | January/February 2020 | VermontMaturity.com
Jim Miller publishes the Savvy Senior, a nationally syndicated column that oﬀers advice for Boomers and Seniors.
Power up With Protein by Brigitte Harton, RD, CD, NBC-HWC
All older adults strive to maintain their
adults and that they have a reduced sensitivity to amino
independence and quality of life. But one threat can
acids called “anabolic resistance.” The good news is that
stand in their way: the progressive loss of muscle mass,
this lack of sensitivity can be overcome by eating more
strength, and function that occur with aging, known
as sarcopenia. Loss of muscle mass and frailty has long
Second, why do older adults eat less protein than
been thought to be an inevitable consequence of aging.
what they need? With aging, appetites naturally decline
However seniors can take steps to minimize the effect
and research shows older adults eat less food than they
of sarcopenia, including getting the right amount of
used to. Other reasons why seniors eat less food include:
protein in their diets and maintaining an active lifestyle.
medical and mental conditions that lead to poor appetite,
Understanding Proteins What exactly are proteins? Proteins are made up of amino acids which are organic compounds necessary to maintain health. The body needs 20 different amino acids to function properly. Although all 20 amino acids are important for health, only nine are classified as essential- meaning the body is not able to manufacture them and they must be obtained through food. When we eat protein, it’s broken down into amino acids, which are then used to build or repair muscles and tissues,
limited ability to shop and prepare food, as well as food insecurity due to financial and social limitations. So how much protein should older adults eat to help maintain their muscles’ health? Scientists are still debating the exact amount, but it is clear that seniors need more than what is currently recommended for younger adults (0.8 g of protein per kg of body weight). The general consensus is between 1 and 1.5 g per kg of
Helping Seniors Live Well at Home
synthesis hormones and enzymes; as well as regulate immune function among other important roles. There are many factors that impact seniors’ ability to maintain their muscle mass as they age. For one, compared to younger adults, studies show that older adults eat less protein. At the same time, older adults need more protein than do younger adults. The result is an imbalance between protein supply and protein need and can result in the loss of muscle mass and strength.
Older Adults Need More Protein Let’s break these down: First, why do older adults need more protein? Normally, eating protein stimulates muscle synthesis and/or suppresses muscle breakdown.
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body weight per day. This means
buckwheat. Other plant sources of
between 64 and 95 g for a 140 pound
protein like beans/legumes, nuts,
woman and between 86 and 130 g
and grains contain incomplete
protein for a 190 pound man.
protein because they lack one or
What are the best sources of
more of the essential amino acids.
protein? Foods that contain all nine
For those following a plant-based
essential amino acids are called
diet, it is still possible to ensure
“complete proteins” and include:
proper intake of all essential amino
meat, poultry, seafood, eggs, dairy
acids as long as the protein comes
products, as well as plant sources
from a variety of sources throughout
such as soy foods, quinoa and
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Ask the Right Questions
Take a look at the table below for best sources of protein and amount in a typical serving. Ensuring the right intake of protein is not the only way to make sure seniors maintain healthy muscles.
aging. Steps can be taken to maintain muscle strength and ability to do the things we all want to do! These include: Eating a source of high quality protein at each meal
Older adults can benefit from resistance training
or snack. If you are vegetarian or vegan, you will need
to increase muscle strength, improve functional
to pay special attention to include a variety of plant-
ability and prevent falls. Resistance training is any
based protein in sufficient quantity throughout the day.
exercise that causes the muscles to contract against an
Consult a dietitian if you are not sure you are getting
external resistance (such as dumbbells, rubber tubes
or the body’s own weight) with the expectation of
Staying physically active! Include resistance training
increases in strength, tone, mass, and/or endurance.
at least 3 days per week. Endurance, flexibility and
It is recommended on most days of the week, but a
balance exercises are also important- consult with your
minimum of three times per week is suggested to slow
physician or an exercise expert to find out how much
muscle loss and prevent sarcopenia. When combining
and what exercise is best for you, especially if you have
good protein intake and exercise, a synergistic effect
not been active for a while. VM
is created and results in increased strength, physical independence, and well-being.
Brigitte Harton is a consultant registered dietitian at Age Well and a Board Certified Wellness Coach. You can reach her at email@example.com . For more information about the services Age Well provides call 800.642.5119 or visit AgeWellVT.org.
To wrap up, physical decline due to shrinking muscle mass does not have to be a necessary part of
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26 | January/February 2020 | VermontMaturity.com
Dissecting Legalese Whereas the party of the first part shall prescribe, provide, formulate, and otherwise execute the means, method, and product for the tertiary daily repast for the mutual benefit of the parties; whereas the party of the second part shall evaluate, conduct, and otherwise execute in a timely manner the subsequent restoration of the premises used by the mutual parties in the enjoyment of said repast; now therefor, both parties stipulate to the following: dinner shall promptly repetitive phrases that appear to communicate the
commence at 7:00pm. What if legalese was the common language of all
same intent. The following provision illustrates this
communications? Would we understand each other
concept: “to sign, execute, endorse, acknowledge, deliver
better? Although legalese, in its best light, is intended
and file or record all appropriate documents…” Would
to provide a uniform interpretation of certain terms or
“execute” summarize it all? Or, does adding a few extra
phrases, it often complicates dialog and documents.
words seem more complete, if there is a reader who
For example, the Latin phrase per stirpes is often used in wills, trusts, and beneficiary designation forms
demands precision and is concerned about liability for misinterpreting something?
to describe what happens if the named beneficiary has died. Its widely accepted meaning directs that the beneficiary’s share passes in equal shares to his/her descendants by right of representation. A descendant (child, grandchild, greatgrandchild and so-on) takes the “representative” share of his/her parent. If a deceased beneficiary’s share would be 1/3 and he has 2 children, then those children each receive 1/6. In contrast, many uses of legalese actual lengthen documents and contain (Continued on page 30)
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Many would agree that succinctness and completeness are good reasons for legalese, what about tradition? Have “whereas” and “now therefor” outlived their usefulness? Beauty is in the eye of the beholder, but improved communication benefits all—parties of the first part and parties of the second. VM This article was provided by Jarrett & Luitjens Estate & Elder Law. For more information VermontEstatePlanning.com.
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30 | January/February 2020 | VermontMaturity.com
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