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Who are you caring for?
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How are they managing their medications?
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Fall risks, spoiled food, or other threats to wellbeing
Are they experiencing any memory loss?
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I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour. APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment. You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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Mostly Independent
Your loved one may not require home care or assisted living services at this time. However, continue to monitor their condition for changes and consider occasional in-home care services for help as needed.
Remember, this assessment is not a substitute for professional advice.
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I’m not even sure where to begin. I realize that this is a good “problem” to have, but I’m still unsure how to proceed. In addition she has some timeshares but doesn’t know how many. It is very confusing.
Please Do NOT go to a for profit financial planner like those posted.
Ask your question on Bogleheads and follow their advice. A simple 3 fund portfolio and an asset allocation that suits your mom's stage of life and her risk tolerance at Vanguard, Schwab or Fidelity is all she needs. Do not go to an advisor who wants 1% or more of her assets per year in addition to high Expense Ratio funds
I've used Ameriprise for years and have paid very low fees, NEVER 1% of my folks' assets! Not everybody wants to do their own financial planning by following an online guide. To each their own, which is why there are lots of different avenues available for investing.
Your profile says "living in independent living". Or did you mean she is living independently.
I don't understand why she would refinance her home at the age of 83 unless she needed the money to live. But ur saying she has no idea how to use it? Please explain.😊
I may be getting it wrong, but she ‘re-financed her home’ sounds to me like she took out a different loan or mortgage. If this is right, then what to do with the extra money coming in isn’t the real problem. Around here, time shares are very much on the nose, and may be worth very little. Be very careful, get advice on care costs and medicaid.
slang, Australia) Smelly, malodorous; often used figuratively.
That bucket of raw prawns you left in the sun is a bit on the nose. adjective
Meaning that times shares are a poor investment, right? I would agree.
Pumpkin, I think that your main objective should be making sure that you have Durable financial power of attorney AND whatever forms mom's banks and other financial institutions need for you to manage
And
Keeping her away from unscrupulous financial salespeople who might try to sell her products like annuities or whole life insurance (products which may not be appropriate for her situation, but which provide a good upfront payoff to the salesperson).
The fact that she has timeshares would seem to indicate that she isn't very astute.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
Ask your question on Bogleheads and follow their advice. A simple 3 fund portfolio and an asset allocation that suits your mom's stage of life and her risk tolerance at Vanguard, Schwab or Fidelity is all she needs. Do not go to an advisor who wants 1% or more of her assets per year in addition to high Expense Ratio funds
https://www.marketwatch.com/story/is-your-financial-adviser-in-the-hidden-fee-hall-of-shame-2017-11-16
I don't understand why she would refinance her home at the age of 83 unless she needed the money to live. But ur saying she has no idea how to use it? Please explain.😊
I also have a thrift savings plan at the post office. I have it in the L2025 funds where they do all the investing in the stock market for you.
Don’t be afraid to use a financial advisor. They can help you.
slang, Australia) Smelly, malodorous; often used figuratively.
That bucket of raw prawns you left in the sun is a bit on the nose.
adjective
Meaning that times shares are a poor investment, right? I would agree.
Pumpkin, I think that your main objective should be making sure that you have Durable financial power of attorney AND whatever forms mom's banks and other financial institutions need for you to manage
And
Keeping her away from unscrupulous financial salespeople who might try to sell her products like annuities or whole life insurance (products which may not be appropriate for her situation, but which provide a good upfront payoff to the salesperson).
The fact that she has timeshares would seem to indicate that she isn't very astute.
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