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There are only two certainties in life, death and taxes.  We are aging from the minute we’re born.  The explosion in the senior market will continue to grow well into the 21st century.  One of the reasons is due to the baby boomers that will be seniors.  This is referred to as the ‘age wave’.  Life expectancy has increased.  2030 will see 70 million people who are 65 and older according to the U.S. Bureau of the Census, the fastest growing senior segment are those over 85 and living to over 100 has increased dramatically.

The Certified Senior Advisor addresses many of the aging issues of seniors, caregivers, and the family.  You can rely on the expertise of the CSA, and their professional network to provide the information necessary to give them confidence and control of their lives.

Some of the professionals that are in our network:

  • Elder-law attorneys
  • Estate Planning attorneys
  • Insurance – can be a very important estate planning tool
  • Reverse mortgage experts
  • Health care providers
  • Health care facilities
  • Investment advisor

These are some of the issues that seniors, caregivers, and their families should ask themselves:

  • Do you have enough money to retire?
  • Do you have enough money to last for the duration of retirement?
  • Are you financially able to maintain your home?
  • Are you physically able to stay in your home?
  • Do you want to be a burden to your children?
  • Do you have the right team working on your behalf?
If you answered no to any of the above questions, contact us today.

We create solutions for your concerns.




More Boomers Are Upsizing Into Bigger Retirement Homes to Accommodate Family

More Boomers Are Upsizing Into Bigger Retirement Homes to Accommodate Family NEW YORK (MainStreet) — Joe and Ruth Castanheira are from Ohio, but they moved to a bigger house in Fountain Hills, Ariz. for their retirement.

The couple in their 60s, who married each other more than a decade ago, wanted a home that would accommodate the size of their blended family in a location that was closer to Ruth’s ailing relative.

“We bought our dream home in Arizona in order to enjoy resort-style living during our retirement, fully expecting frequent visits and vacations from our family,” Castanheira told MainStreet. “As it turns out, some of them have decided to relocate here as well.”

The Castanheiras are among the 49% of retirees who didn’t downsize in their last move as well as the 30% who instead moved into larger homes, according to a new study called “Home in Retirement: More Freedom, New Choices” released by Merrill Lynch and Age Wave.

“Retirees have more options today than ever before,” said Brenda Hendrickson, an independent certified senior advisor. “They are moving to larger homes upon retirement, because they feel confident with their investments and feel they are doing fairly well.”

It used to be that retirees downsized because they no longer need a large living space. The mindset has shifted. Of those who upsized their living space, 33% of retirees did so in order to have a home large and comfortable enough for family members to visit, according to the Merrill Lynch study. Some 20% upsized so that family members would be comfortable enough to even live with them.

“The upscale homes in Florida have two downstairs master suites separated by sound proof walls because of snoring,” said Dr. Sam Sugar, founder of the Americans Against Abusive Probate Guardianship in Miami. Whatever the amenities — whether increased space or quiet accommodations — retirees are increasingly willing to pull out all the stops for their relatives’ comfort.

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How families can work together and stay on budget each month

how_families_can_work_together_and_stay_on_budget_each_monthLet’s play the game How to Stay on Budget. Here’s how to play, and a few rules:

We have to know the difference between gross and net incomes. Also, the difference among fixed, variable, and discretionary expenses. The objective is to end with a zero balance.

Gross income is your pay stub amount. Automatic deductions of taxes, insurances, retirement plans, etc. are taken out and what you’re left with is net income. It’s not how much you make, net income is how much you keep. Start with this net income for your living expenses.

Your living expenses are divided between fixed expenses and variable expenses. First, deduct fixed expenses, like rent, mortgage, loans. Next, deduct variable expenses like utilities, food, auto, etc. from net income. As the name suggests, there is some variability in these amounts. Here is where you have options for making your money go farther.

Lastly, deduct your discretionary expenses like dining out, movies, misc. entertainment, and personals from net income. If the balance is a negative number, you have too many expenses. Something has to be cut to end up with a zero balance. Zero means that you have accounted for all your income. You only have a finite amount of income. Become a personal auditor of your expenses, and make adjustments to your monthly spending.

Those are the definitions and rules, so put this advice to work in order to fine tune your budget, and stick to it each month.



Brenda Hendrickson Quoted in Credit Card Guide Article, “Joining finances (and debt): What you need to know”

Brenda Hendrickson, frugal expertWhen you get married or move in together, it isn’t always as simple as mine and yours become ours — particularly with finances.

Brenda Hendrickson, CSA, and author of the book “How To Be A Frugal Millionaire: Eight Simple Steps to Creating Personal Wealth,” was featured in an article posted on, a Bankrate Inc. property, is  a free one-stop credit card resource center with links to instant online applications. They also present side-by-side comparison of the best credit cards on the Internet from the top banks and card companies. These cards have competitive rates and outstanding benefits and rewards. In addition, our powerful search tools and comparison guide can help you choose a credit card that best fits your needs.

Brenda was quoted on the topic of applying for a home loan as a married couple.  You  can read an excerpt of the article featuring Brenda’s insights on the things people must consider when merging finances upon getting married below.  The following is an excerpt highlighting Brenda’s portion of the article.

A link to the full article can be found below:

Applying for a home loan together

“When you’re deciding to get married, you have to talk about hopes and dreams of the future and how you’re going to achieve those dreams,” says Brenda Hendrickson, frugal expert and author of ”How To Be A Frugal Millionaire: Eight Simple Steps to Creating Personal Wealth.A big part of that may be buying a home together. Hendrickson says you have to consider such questions as:

  • How are you going to pay for it?
  • Will the mortgage be held in one or both names?
  • Who is contributing what to the down payment?
  • And how will all that matter should the day ever come that you part ways?

Unless everything is evenly split, you have to have some sort of an agreement together, says Long. Depending on how complex each person’s finances are, a legal contract, such as a prenuptial agreement, could be an option that protects everyone’s best interests. Keep in mind that when it comes to property, as well as credit cards and other debt, how assets and debts are divided may depend on the state in which you live. There are nine community property states (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin; and in Alaska, it’s optional) that essentially divide everything attained during the marriage 50/50, regardless of whose name various accounts are in.

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