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DTSTART;TZID=America/Chicago:20250401T080000
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UID:157-1743494400-1775030400@seniortruthseries.com
SUMMARY:April 2025: Passing it on - Smart Legacy Planning
DESCRIPTION:Passing It On: Smart Strategies For Your Legacy\nYour legacy planning matters. That’s why protecting your assets\, avoiding probate\, and staying in control ensures you leave a legacy that lasts for generations. Let’s make a plan to ensure your loved ones aren’t left guessing. Senior Truth Series brought together a panel of expert estate planning attorneys and financial advisors to help guide you through smart strategies to pass on wealth\, businesses\, and digital assets.  \nPreparing Your Legacy for the Next Generations\nEvery person eventually deals with the topic of how to plan ahead so your legacy is clear\, protected\, and aligned with your values. We brought together estate planning attorneys\, financial advisors\, and an elder law specialist to highlight key decisions that come with aging\, caregiving\, and end-of-life planning. \nJulie kicked things off by sharing why this topic has felt especially close to home. Between caring for aging parents and watching her grandmother reach nearly 101 years old\, she reminded the group that planning ahead isn’t just a nice idea\, it’s something that can save your family from confusion and stress later on. \nMeet the Panel\n\nMike Fischer\, estate planning attorney with Payne & Jones\nMoren Lester\, elder law attorney with Complete Estate & Probate\nNathan Haskins and Melinda Parks\, financial advisors with Free State Advisors\n\nJulie compared each expert role to a triangle; legal\, financial\, and long-term care support are all needed to work together across four main life stages: your working years\, retirement\, long-term care\, and the transfer of assets after death. \nKey Legacy Planning Details \n\n Wills vs. Trusts and Why It Matters\n\nA will goes through probate court\, which can take time and may complicate things for your family\, while a trust can help avoid that process. He also talked about the importance of naming someone you trust as your financial and healthcare power of attorney\, not just thinking about who gets what. \nDon’t wait until something goes wrong to get these documents in place. Once they’re finished\, you can rest a little easier. \n\n Financial Planning Isn’t Just for the Wealthy\n\nWhether you’re working\, nearing retirement\, or already retired\, having a plan helps you make smart decisions and prepare for the unexpected. A typical plan includes elements like income\, investments\, taxes\, estate planning\, and insurance. \nDifferent types of accounts transfer differently after death. For example\, IRAs are taxed when passed to children\, while brokerage accounts can get a step-up in value. These are the kinds of things that can either save your family money or cost them more than expected\, depending on how you set things up. \n\n Elder Law Helps When Life Takes a Turn\n\nAround 70%of people will need some form of long-term care\, which usually means hands-on help for more than 100 days. That care is expensive and often arrives sooner than expected. \nSometimes the unexpected occurs\, like a fall\, a diagnosis\, or a spouse can no longer be a caregiver\, which leads to new problems like figuring out how to cover costs\, what benefits are available\, and what legal updates might be needed. Asset protection trusts help you plan at least five years ahead so your family has more options. \nAdditional Legacy Financial Planning Tips\n\n The Importance of the “Team Approach”\n\nNo one professional covers everything. Estate attorneys\, financial planners\, and elder law specialists all bring different expertise\, and working together is critical\, especially as someone moves from working years to retirement\, into long-term care\, and eventually passing on assets. \n\n How Different Assets Transfer at Death\n\nNot all assets pass the same way. For example: \n\nIRAs and 401(k)s are taxable to heirs and must be withdrawn within 10 years.\nBrokerage accounts receive a step-up in basis\, eliminating capital gains at death.\nReal estate can be passed via Transfer on Death (TOD) deeds\, but this comes with risks if not handled carefully.\n\n\n Transfer-on-Death (TOD) and Pay-on-Death (POD) Pitfalls\n\nWhile these tools are popular\, we caution that they can unintentionally cause disputes. Naming one child to receive the house through a TOD deed\, with the “understanding” they’ll share proceeds\, is not legally binding. \n\n The Role of Powers of Attorney\n\nHaving up-to-date durable powers of attorney\, such as for finances and healthcare\, is non-negotiable. These documents allow someone you trust to step in when you can’t act on your own behalf. \n\n When to Talk to a Financial Planner or Elder Law Attorney\n\nYou don’t need to be wealthy or in crisis to benefit from help: \n\nFinancial planning is for anyone with income and goals\nElder law is useful before a crisis hits\, especially if you’re 5+ years out from needing care\nEstate planning is important even in your 20s\, especially if you have children or specific wishes\n\n\n Medicaid Planning & the Five-Year Look-Back Rule\n\nLong-term care planning can preserve assets\, but only if done early enough. The five-year look-back rule means families must plan ahead to qualify for Medicaid without penalties. \n\n Emotional Readiness & Family Dynamics\n\nMost of the work you put in comes down to relationships and clarity. Misunderstandings about “who gets what” or unspoken assumptions about caregiving responsibilities often cause tension that benefit no one. \nFinal Thoughts on Passing the Torch\nStart your legacy talks early. The rules are complicated and intention matters\, so iron out the details well in advance to minimize confusion. When seeking help\, build a team you trust and feel comfortable talking to. If you haven’t looked at your estate documents in a while\, it may be time to dust them off and review them again. Finally\, it’s ok to plan for the ideal situation\, but you should also prepare for the unexpected. Life has a funny way of surprising us when we least expect it.
URL:https://seniortruthseries.com/sts-event/april-2025-passing-it-on-smart-legacy-planning/
CATEGORIES:Past Events
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DTSTART;TZID=America/Chicago:20250701T080000
DTEND;TZID=America/Chicago:20250701T170000
DTSTAMP:20260526T092820
CREATED:20260417T155954Z
LAST-MODIFIED:20260417T160244Z
UID:151-1751356800-1751389200@seniortruthseries.com
SUMMARY:July 2025: Downsizing\, Rightsizing & Simplifying
DESCRIPTION:Downsizing\, Rightsizing\, and Simplifying\nLetting go of “stuff” can be emotional—but it can also be freeing. In this Senior Truth Series seminar\, we explored the real-life process of downsizing and simplifying your home\, especially when planning a move. Whether you’re making a change now or simply preparing for the future\, it’s never too early to start asking: Do I really want to take this with me? \nHosted by Julie Spaulding\, this seminar features insights from Cooper Rowe with New Leaf Move Management and Maija Diethelm\, professional organizer and creator of The Maija Method and Julie Spaulding\, a Downsizing Coach and Real Estate Specialist. Together\, they shared smart strategies\, heartfelt stories\, and a little humor to help people of all ages feel empowered to take the next step. \nIf you’ve ever looked at your basement\, garage\, or attic and thought “Where do I even start?”—this one’s for you. \n🔑 In this video\, you’ll learn:\n\nHow to begin the downsizing process without feeling overwhelmed\nWhy rightsizing might be a better mindset than downsizing\nThe top 3 questions to ask when sorting your belongings\nWhat a move manager actually does—and how they can save you time\, money\, and stress\nHow to handle keepsakes and family heirlooms with less guilt\nWhere to donate\, sell\, or recycle items you no longer need\n\n📣 Expert Panelists\n\nCooper Rowe\, New Leaf Move Management. A certified move manager\, Cooper works closely with older adults and their families to make transitions smooth and respectful. From sorting and packing to setting up the new home\, he explains how his team removes stress from the moving equation.\nMaija Diethelm\, Professional Organizer. Maija brings her unique “Maija Method” to organizing—one that combines coaching\, encouragement\, and structure to help clients simplify their lives. She offers clear tips on when to let go\, how to reframe guilt\, and why living with less can feel like so much more.\nJulie Spaulding\, Downsizing Coach & Real Estate Expert. In addition to hosting the Senior Truth Series\, Julie shares real estate insights and practical advice from her years of helping older adults rightsize their homes. Her “10-Steps to Downsizing” worksheet is a great starting point for anyone considering their next move.\n\n✨ Highlights & Insights\n💡 Downsizing is Personal and Emotional Letting go isn’t just about clutter—it’s about memories\, identity\, and honoring your past while preparing for your future. The panelists encouraged attendees to take it slow\, celebrate small wins\, and ask for help when needed. \n🧹 Organizing Improves Safety and Peace of Mind From clearing paths to reduce fall risks to rethinking how items are stored\, Maija reminded us that organizing isn’t about perfection—it’s about living more safely and comfortably in your space. \n📦 Move Management Offers More Than Moving Cooper shared stories of clients who were amazed at how much smoother a transition can be when someone else handles the details—from sorting to packing to coordinating estate sales or donations. \n🕰️ Early Planning = Less Stress The recommendation to start 6–12 months before a potential move allows for thoughtful decision-making instead of panic purging. It also gives time to involve family\, explore options\, and emotionally process the change. \n📽️ Memory Preservation Can Be Digital Not everything has to be kept in its original form. The Johnson County Memory Lab allows people to convert boxes of memories into digital archives—keeping the meaning without the clutter. \n🧰 Helpful Tools & Local Resources\nAttendees received handouts that included:\n\nA Step-by-Step Downsizing Plan\nThe “Stay or Move” Self-Assessment Tool\nA Kansas City Resource Guide listing donation centers\, senior-friendly handyman services\, shredding events\, recycling options\, and more\n\nWant copies? Request the handouts here or reach out to Julie directly. \n💬 “You don’t have to do it all at once. But you do need to start.” — Maija Diethelm\n \n📺 Watch the full seminar on YouTube: Downsizing\, Rightsizing\, and Simplifying | Senior Truth Series \nVisit www.SeniorTruthSeries.com for upcoming topics\, dates\, and past replays.
URL:https://seniortruthseries.com/sts-event/july-2025-downsizing-rightsizing-simplifying/
CATEGORIES:Past Events
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DTSTART;TZID=America/Chicago:20250723T100000
DTEND;TZID=America/Chicago:20250723T113000
DTSTAMP:20260526T092820
CREATED:20260417T171512Z
LAST-MODIFIED:20260417T171512Z
UID:181-1753264800-1753270200@seniortruthseries.com
SUMMARY:Downsizing\, Rightsizing and Simplifying
DESCRIPTION:Time & Location\nJul 23\, 2025\, 10:00 AM – 11:30 AM \nTomahawk Ridge Community Center\, 11902 Lowell Ave\, Overland Park\, KS 66213\, USA \nAbout the event\nThe most commonly used word to describe the downsizing process is “overwhelm.” In fact\, many people find themselves paralyzed by even the idea of moving to a smaller or more manageable space.  \nThe good news is that there are people\, strategies\, and services that can make the downsizing process much simpler and far more manageable!  \nHere are just a few of the questions we answer at this month’s seminar:  \n\n Where do I begin? \n Should I sell my house or move first? \n What do I do with all the extra “stuff”? \n Who is available to help and how much will it cost? \n How long should it take to go through my things before moving? \n What is the value of household items? \n What will my home sell for and how long will it take? \n What are the costs associated with moving? \n\nIf you are considering a move today\, a year from now\, or anytime in your future\, this seminar is designed to help remove the overwhelm and inspire you to take action – even if it’s just a small action!
URL:https://seniortruthseries.com/sts-event/downsizing-rightsizing-and-simplifying/
CATEGORIES:Past Events
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