• July 27, 2016 /  Difficult Conversations

    Facing the Difficult Subject of Living Choices Many families want to avoid talking about end-of-life matters. This is understandable, as it’s a weighty subject with a variety of emotions attached to it. Parents feel resistant to the idea that they are closer to facing this. Children and other relatives are saddened and worried by what the future holds for their loved one. However, it’s a conversation that can’t be sidestepped. Facing it head on with a frank attitude will help your family come to terms with it sooner.

    One of the first and most important items to address is living choices. You want to have clear plans before there’s a crisis. Consider whether your parent needs minimal assistance, or more intense care for issues like Alzheimer’s and dementia. Naturally, most older ones would still like to stay in their homes. But if they struggle with day-to-day activities and household duties, they might wonder how that will be possible. It’s important to assess the reality.

    Some questions that you will want to discuss with your parents would be, “What challenges do you face? Is it difficult to drive, walk up and down stairs, or access the bathroom? What’s the plan in an emergency?” It’s completely possible that they can continue to live at home. Mom or Dad might require part-time or full-time care to manage this. Sometimes simple changes or adaptations to the home can also make it feasible.

    For those who remain in their home, there’s an abundance of resources that will help. Options include home health aides, housekeeping, meal delivery service, and transportation services. Retirement communities offer many of these services while enabling residents to enjoy independent living.

    For some, living alone is no longer possible. Consider whether or not moving in with you is the right choice. It all depends on the circumstances. You might look into senior housing. Cost plays a primary role, so this needs to be factored in. You might not realize how much your parents value your input. Show care and empathy. Ask questions and genuinely listen to their answers. They absolutely need to be involved in the decision-making process if they’re going to be happy with the end result. Don’t rush this decision! Take your time and think wisely.

    Writing down a list of their wants and needs is helpful. What features would make them more comfortable? What’s essential to their care? This is valuable even if they continue to live at home or choose to live with family members. You’ll need to consider their financial and work situations, and the adjustments that might need to be made in those areas. Bringing on a part-time aide can maintain balance.

    This is a monumental time in both parent’s and children’s lives. Even with a well laid-out plan, nothing’s going to go perfectly. At times, emotions will run high. But through communication, empathy, and understanding, your family can make it through.

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  • July 12, 2016 /  Basics, Resources

    This is a continuing series using information from the booklet written by the National Institute on Aging working with the National Institutes of Health called: Talking with Your Doctor.Involving Your Family, and Additional Resources (U.S. Department of Health and Human Services, NIH Publication No. 05-3452 August 2005. Reprinted April 2010.)

    How Others Can Help

    Many people find it beneficial to involve some of their friends or family in their medical care. The booklet points out that you may feel more confident if someone else is with you. If you choose to have someone come along to the doctor, they can aid you in remembering exactly what you wanted to discuss. They can also remember details that the doctor told you.

    Your caretakers can also bring up issues of their own. It’s easy for them to forget that caring for themselves is one of the most important things they can do. When they’re refreshed, you benefit as well. When they have a chance to speak with your doctor, they can express concerns and ask questions. They might wonder what to expect in the future, where they can find encouragement, or what practical ways they can care for themselves.

    After the appointment, you can discuss what the doctor said together. “They can remind you of the important points and help you come up with questions to ask next time,” says the booklet.

    Even if they don’t go to your actual appointment, they can still be a sounding board. The booklet says, “They can help you practice what you want to say to the doctor before the visit. […] And they can help you come up with questions to ask next time.” Many find it a challenge to express their thoughts to their doctors, so going over it with someone beforehand is very useful.

    It’s important, however, to remember that they’re only there to be of assistance. The visit is still between you and your doctor. You don’t want to allow them to take over. You could choose to talk with your doctor alone, and bring your friend or family member in later on in the visit.  It’s wise to discuss boundaries and expectations in advance.

    Additional Resources

    Your friends and family aren’t the only way to get support. There’s a multitude of information available to you. The booklet recommends: “the Internet, home medical guides, books and articles available at libraries, national organizations or associations, other institutes within the National Institutes of Health, and self-help groups.” Staying informed and educated is essential to a healthy, working relationship with your doctor.

    You can look into government programs that give aid for health care, prescriptions, food and utilities. Approaching a counselor for advice goes a long way towards maintaining your emotional and mental health. Maintain your friendships with those facing the challenges of aging as well.

    Taking an active role in your health care will improve your sense of control, even during tumultuous times. It’s easy to feel too helpless when your health deteriorates, but it’s possible to get involved and be productive. By inviting friends or family to help out as well, you build a support system that will assist you in the hard times.

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  • April 21, 2015 /  Resources

    Big Day of GivingI am on the board serving Seniors First and we participate in the Big DoG (Big Day of Giving) program on May 5, 2015. Please consider giving through this link on May 5th. https://bigdayofgiving.org/#npo/seniors-first-inc

    The Big Day of Giving is a national event but has strong support in the Sacramento and Placer county regions. There are many good organizations that participate but only ONE Seniors First. This is becoming one of our largest funds raisers. Please go to the Seniors First page and see how we support our seniors (they are also listed on my resources page). http://www.seniorsfirst.org/

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  • August 29, 2013 /  Special Needs

    I had a blind guitar instructor in college. He knew his way around campus (Sac State) and was more than proficient playing the guitar. He didn’t need help, taught me the right way to “guide” him (he held on to my arm) when he needed help in negotiating or was lazy in using his stick, and amazed me with his independence.

    One day he was teaching me a fancy lick on the guitar and all of a sudden he “disappeared”. I mean, not physically but mentally…personality left. He was quite for a few moments and then asked, “Where am I, who are you?” I asked him if he was okay and he started getting agitated so I told him my name and that we were in his house. He asked what was going on and why he couldn’t see anything. At that moment I remembered that sometimes when someone “blanks” out that it could be a form of epilepsy.

    the arc logoI don’t know why I should think of that right then but I decided to “play along” with him. I told him that the lights went out, we were waiting for them to come back on and that, in the meantime, I was playing guitar for him. So I asked if I could continue and he was okay with that.

    When he “came back” he again, asked what happened. This time I used his name and asked him, “Is that you?” Answering in the affirmative he asked if I understood what just happened. I told him that I guessed that he had an epileptic episode and he confirmed it. He was pleasantly surprised that I would know that and apologetic that he hadn’t told me that he had seizures in the past but hadn’t had any for a couple of years. He was the best guitar instructor I ever had and miss him and his corny jokes.

    The point is that I was prepared and that is one of the messages of The Arc organization. They want the public to understand and be prepared for including those with intellectual and developmental disabilities into their world. They also advocate on their behalf and provide resources.

    Please visit the national website http://www.thearc.org/who-we-are and then go to the state site http://www.thearcca.org/ and finally our local site in Roseville http://www.thearc.org/.

    Serving Auburn, Lincoln, Roseville, Rocklin, Sacramento, and the counties of Placer, Sacramento, Sutter, Yolo, Yuba, El Dorado, Nevada and even Humboldt.

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  • August 27, 2013 /  Miscelleaneous

    Social Security Benefits for Same-Sex CouplesSocial Security is now processing some retirement spouse claims for same sex couples and paying benefits where they are due. See: http://ssa.gov/pressoffice/pr/doma-statement-pr.html and http://ssa-custhelp.ssa.gov/app/answers/detail/a_id/2488/related/1.

    I serve the counties of Placer, Sacramento, Sutter, Yolo, Yuba, El Dorado, Nevada, and even Humboldt.

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  • July 19, 2013 /  Basics

    walk to end alzheimer'sDementia is a reorganization of the brain resulting memory loss, hallucinations, and general breakdown of bodily functions. Alzheimer’s disease is one specific subset of dementia. The Alzeimer’s organization (www.alz.org) reported July 17, 2013 that those who notice memory loss or issues with decreasing ability toward organization may actually be sensing the onslaught of dementia far in advance of what any test would show.

    Visit www.alz.org for more information. There are some articles from papers around the country reporting the study.

    If you live in the Sacramento area their fundraiser “Walk to End Alzheimer’s” will take place October 5, 2013 at the State Capitol (South Steps) at 8:00am. Contact: Sacramento Walk to End Alzheimer’s 31915 Rancho California Road #200-438 Temecula, CA 92591

    In the Yuba City area the Walk takes place September 21, 2013 at the Feather River Parkway 8:00A.M. Contact Ericka Smith Phone: 650.962.8111 Email: esmith1@alz.org

    I currently serve clients in the counties of Placer, Sacramento, Yolo, Yuba, El Dorado, Solano and Humboldt. Depending on the situation, I can serve clients in other counties as well.

    Please call 916-220-3474 for your first hour free consultation.

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  • July 12, 2013 /  Basics

    fiduciaryAccording to Wikipedia, “A fiduciary is a legal or ethical relationship of trust between two or more parties. Typically, a fiduciary prudently takes care of money for another person. One party, for example a corporate trust company or the trust department of a bank, acts in a fiduciary capacity to the other one, who for example has funds entrusted to it for investment. In a fiduciary relationship, one person, in a position of vulnerability, justifiably vests confidence, good faith, reliance and trust in another whose aid, advice or protection is sought in some matter. In such a relation good conscience requires the fiduciary to act at all times for the sole benefit and interest of the one who trusts.” https://en.wikipedia.org/wiki/Fiduciary, July 12, 2013

    Again, according to the Professional Fiduciary Association of California (PFAC), “A fiduciary as trustee has the responsibility of carrying out the terms of a testamentary or living trust. The trustee is usually a person named by the creator of the trust, but in some cases, the trustees cannot carry out his or her duties because of incapacity or death. If there is no successor trustee who can serve, the court has the responsibility of appointing a trustee, usually someone nominated by the trust beneficiary who then safeguards the assets and invests them according to the Uniform Prudent Investor’s Act (as set forth in the Probate Code). Professional trustees working under the UPIA are held to a higher standard than others. The fiduciary as conservator is the person who is legally appointed to manage the conservatee’s estate and/or person. A conservatorship is a legal tool designed to provide management for the financial and/or personal affairs of individuals deemed by the court to be physically or mentally incapacitated, often because of dementia.” http://www.pfac-pro.org/ohana/website/index.cfm?p=118001 July12, 2013

    In order to be a member of PFAC, professionals must be licensed, agree to adhere to the code of ethics, and demonstrate a commitment to their own professional skills by completing continuing education units annually.

    Licensing is processed and monitored through the Department of Consumer Affairs; Professional Fiduciary Bureau (http://www.fiduciary.ca.gov/). My number is #387.

    Trustees manage money, and oftentimes, difficult people and situations. When money is involved, beneficiaries and trustees sometimes have disagreements, and family arguments can be among the most rancorous. There are plenty of traditional families, blended families, dysfunctional families that are faced with an abundance of problems and issues when a parent dies or becomes incapacitated and there is money in an estate to be protected and invested. Sometimes non-professional trustees mismanage or neglect their trustee duties, and sometimes he or she may ignore the directions of the trust. Beneficiaries get angry, get an attorney and go to the probate court for resolution. That resolution often names a private professional fiduciary as the new trustee. Many attorneys, accountants and estate planners, who know good private professional fiduciaries, sometimes suggest a professional be named as trustee when a new trust is written.

    I currently serve clients in the counties of Placer, Sacramento, Yolo, Yuba, El Dorado, Solano and Humboldt. Depending on the situation, I can serve clients in other counties as well.

    Please call 916-220-3474 for your first hour free consultation.

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  • June 24, 2013 /  Basics

    help

    I am not an expert. I, like many, am learning. I use resources, I refer people to resources, I take classes, go to seminars and attend groups sessions to gain knowledge and learn from others experiences. What makes a licensed professional Fiduciary different, and me in particular, is that we advocate and serve for a living. There is a bit more experience we have when it comes to administering Trusts and acting as Conservators for person and estate so that gives us familiarity of routine and potential problems/issues that will be faced.

    What I try to do on my website is to give you hope, encouragement and tools to use in your caregiving and/or administration.  There are many people who choose not to use my services or that of my fellow Fiduciaries because, well, because they just want somebody they know to do the work, and you…you may be one of those honored to serve but clueless or just needing some help in performing your service so why should I keep information to myself? I don’t and won’t!

    I have been taking classes and going to seminars on two subjects recently to increase awareness and learn how to serve my clients who are beneficiaries in a Special Needs Trusts or are LGBT (Lesbian, Gay, Bisexual, Transgender). I will be sharing what I learn and how this knowledge has helped me serve my current clients (and my future clients as well).

    While my office is in Lincoln CA, I serve Placer, Sacramento, Sutter, Yolo, Solano, El Dorado, Yuba counties. Depending on what is required I can also serve counties like Humbolt and beyond.

    Call for your free consultation. 916-220-3474

    Yours in Service,

    Michael

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