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Thursday, March 12, 2026

The Latest in AgeTech: 2026

 





We round up the most compelling new AgeTech startups featured at this year's major technology conference.


Each year, AARP hosts an AgeTech Collaborative event at CES,  the major technology conference produced by the Consumer Technology Association (CTA). This January, this enormous event convened over 148,000 attendees in Las Vegas. One of the attractions of AARP’s Collaborative is the Startup Showcase, where founders demonstrate their innovations in health and wellness, care management, and nutrition. 

Here are some of the most exciting ideas to come out of the 2026 Showcase. All of the products below reported low inventory due to popular demand at the time of writing. Clearly, they’re making waves in AgeTech this year and setting the bar for next year’s startup innovators.

iGuard Home. As Senior Spirit reported recently, seniors are at twice the risk of dying in a house fire as compared to younger adults, and cooking fires are the number one cause of house fires. Enter iGuard, a startup solution that uses motion sensing to keep seniors and others safe while cooking. The iGuard bills itself as “an easy to use motion sensor control device that simply shuts off the stove when it doesn’t see any motion in the kitchen for a full five minutes.” It works on gas and electric stoves, and can be manually adjusted if the user chooses to set a longer timer–while cooking a stew, for example. Older adults, care partners, and property managers all gain peace of mind from the technology, iGuard says. The devices have been on the market for a short time, and a new, updated version is now available for pre-order, expected to ship in mid-April. The cost listed on the website is $495. 

Osteoboost. People diagnosed with osteopenia (low bone density) will soon have a new non-medication option for treatment. Named one of the TIME Best Inventions of 2025 and marketed to menopausal women, Osteoboost looks like a thick belt worn over clothing. It works by delivering vibrations to the lower back, stimulating the body’s natural bone-building capacity in a way similar to high-impact exercise. Clinical trials have yielded impressive results: compared to a control group, women using Osteoboost at least 3 times per week for about 30 minutes lost 85% less bone density in the spine and 55% less in the hip. Available by prescription only, Osteoboost sells on the website for a self-pay rate of $995. At the time of writing, it was backordered 8-12 weeks due to popular demand.

Elemind. Good sleep is critical to physical and mental health at any age. Yet as we age, we’re more likely to be living with health conditions that make it difficult to get a full night’s rest. With hundreds of satisfied customers, Elemind is a wearable sensor that works by “reading and responding to your individual brainwaves,” directing your brain to sleep “on-demand.” It looks straight out of Star Trek: a headband with a central button (and, of course, an associated phone app). Elemind has conducted clinical trials to show that their "neuromodulation technology” helps people fall asleep faster and sleep more deeply. Users slip the headband on before going to bed and let the device sync to their brainwaves in a way that promotes sleep. Elemind is available without a prescription for $399. As with Osteoboost, its website advertises that customers can use FSA or HSA funds to purchase the technology.

Cadense. Like the innovations above, Cadense tackles a common aging-related hazard–in this case, falls–with cutting-edge technology. Cadense shoes aim to prevent falls for people with difficulty walking. These “adaptive sneakers” and sandals help to “reduce toe catching and support safer, more confident movement.” They advertise: “No hesitation. No overthinking. Just safer steps.” Marketed to seniors and people with multiple sclerosis, Parkinson’s, or other conditions that make it difficult to lift the front of the foot while walking, Cadense shoes promote a gliding motion while also gripping in the right spots with every step. With an easy one-handed closure, they also look quite stylish and come in men’s and women’s styles in a variety of colors. The original women’s adaptive sneaker costs $199.99. 

Brainwaves and bone vibrations, smart stoves and shoes–we live in amazing times. While the prices are currently out of reach for many people, here’s hoping these innovators will find ways to lower the price points and make their inventions accessible to more people in the coming months. 

Additional sources:




Blog posting provided by Society of Certified Senior Advisors

Wednesday, March 11, 2026

Financial Planning for Seniors: Smart Strategies to Protect, Preserve, and Pass on Your Wealth

 





March is the perfect time for a financial reset. Here are eight steps toward improving your financial peace of mind this spring.



March is a season of renewal. As winter fades and spring approaches, CSAs have a unique opportunity to support senior clients to review their financial landscape, refresh their plans, and take meaningful steps toward long-term security. Whether a senior is preparing for retirement, already retired, caring for a spouse, or supporting adult children or grandchildren, a thoughtful and proactive financial strategy can make all the difference.

This article provides practical, easy-to-implement steps to help CSAs talk with seniors about how to safeguard income, manage risk, reduce financial stress, and remain empowered in every stage of life. Below each main topic is a list of key discussion points.

1. Assess Your Current Financial Picture
A strong plan begins with clarity. These are four key actions seniors should take: 

  • Review income sources: Social Security, pensions, annuities, rental income, part-time work.
  • List fixed vs. discretionary expenses.
  • Identify rising cost categories such as healthcare, medication, and home maintenance.
  • Update your budget to reflect current living needs.

Tip: Use the “Three Bucket Strategy”—Immediate Needs, Mid-Term Goals, and Long-Term Growth—to organize financial accounts.

2. Strengthen Retirement Income Streams
Retirement income must be stable, protected, and sustainable. Consider these strategies: 

  • Delay Social Security (if possible) to increase benefits.
  • Maximize pension or annuity options by reviewing survivor benefits.
  • Balance withdrawals to preserve account longevity.
  • Understand Required Minimum Distributions (RMDs).

Tip: Review investment allocations annually to ensure the right mix of growth and safety.

3. Manage Healthcare Expenses & Long-Term Care
Healthcare is one of the largest expenses for seniors, and often the least planned for. When talking with seniors about long-term care, be sure to touch on:


  • Understanding Medicare Parts A, B, C, and D.
  • Reviewing Medigap vs. Medicare Advantage.
  • Evaluating long-term care insurance or hybrid policies.
  • Discussing caregiving costs and planning.

Tip: Create a “Care Plan Binder” with key medical and insurance documents.

4. Protect Against Fraud and Financial Exploitation
Senior financial fraud remains a growing national threat, and older adults are a main target. Cover these topics during a financial strategizing session with clients or loved ones:


  • Common scams: phishing, IRS fraud, romance scams, contractor scams.
  • Warning signs of exploitation by acquaintances or caregivers.
  • Importance of appointing a trusted Financial Power of Attorney.
  • Using credit freezes and monitoring.

Tip: Remind seniors: “If it sounds too good to be true, it is.”

5. Keep Legal and Estate Plans Up to Date
CSAs can help our clients periodically review and update the documents they need to have in place for estate planning.


  • Will
  • Durable Power of Attorney
  • Healthcare Power of Attorney
  • Living Will / Advance Directive
  • Beneficiary designations
  • Transfer-on-death (TOD) or payable-on-death (POD) designations

Tip: Review these documents every three to five years or after major life events.

6. Housing Decisions & Aging in Place
Housing is both a lifestyle and financial decision. Conversations starters include:


  • Evaluating affordability and physical manageability.
  • Costs of downsizing vs. staying.
  • Reverse mortgage considerations.
  • Planning for home safety modifications.

Tip: Create a “Future Living Plan” to outline housing preferences and financial needs.

7. Maintain Emotional Wellness and Reduce Financial Stress
Money and emotions are deeply connected—especially in retirement. Consider:


  • The importance of community and purpose.
  • Emotional spending triggers.
  • Family communication about caregiving and finances.

Tip: Encourage annual financial check-ins with a trusted advisor.

8. Seek Guidance From Certified Professionals
Encourage seniors to partner with qualified professionals, including fiduciary advisors like a Certified Financial Fiduciary® (CFF), estate attorneys, and tax specialists, to navigate financial decisions with confidence. Dr. Brenda Oldham, a Senior Spirit Editorial Board member, is both a CSA and a CFF. “Financial well-being is not just about numbers,” she says. “It is about independence, dignity, quality of life, and legacy.”



This article is not intended to be a substitute for professional financial advice from a qualified financial advisor.




Blog posting provided by Society of Certified Senior Advisors

Tuesday, March 10, 2026

Spring Cleaning: The Beauty of Empty Space

 






Whether you're downsizing or just want to make more room for living, a real spring clean-out could be just what you and your home need. 

The idea of deep clean–windows thrown open, all dust busted–feels enticing this time of year. But where to even begin? For empty nesters and others considering downsizing, or right-sizing, to a new home, the first step is often to get rid of some of that stuff

“When people think of clutter impacting an individual’s life, they immediately think of a hoarder, but that isn’t really the case for most individuals,” observes Jennifer Pastore Monroy, Executive Director of the National Association of Productivity and Organizing Professionals (NAPO). “In my experience, people have different levels of tolerance for disorganization in their lives, and what is acceptable for one person may be intolerable for another.” 

Combine spring cleaning with decluttering, and you have the opportunity to give your home a fresh, minimalist (or close) new look. Don’t aim to refresh your whole house in one day. But take some inspiration from the tips below, and by the time summer hits, you could be living in a space that feels easier to navigate, easier to maintain, and easier to love.


Hiring a Decluttering Professional

There are many decluttering professionals in the community that can help remove any sense of overwhelm associated with downsizing or decluttering. NAPO is a great place to start; visit their website to find a professional organizer in your area. According to Angi, expect to pay about $530 on average for a professional organizer’s services.
  • Start with safety. Spring cleaning is an opportunity to make your home easier and safer to live in. Clear hallways and other high-traffic areas of anything that doesn’t belong. Consider if any furniture is blocking easy exit routes in the case of an emergency–if it is, move or remove it. Would a basket near the front door help collect items that tend to end up on the floor? Aside from keeping your home clear and clean, you’re also reducing the risk of falls.

  • Focus on one area at a time. Downsizing or decluttering can feel emotional and overwhelming, but small wins matter. Choose one drawer, shelf, or corner per day to tackle, and stop when you’re feeling done. 

  • Keep your “why” in mind. There are lots of good reasons for putting in the real effort it takes to declutter. Some people might want to declutter for their mental health. Studies have found that a high level of clutter correlates with a decreased sense of “psychological home”--in other words, people tend to feel less at home when their homes are messy. Others are preparing for a move, and others might want to have more company over. If the process starts to feel arduous, remind yourself of the goal.

  • Select for meaning. Many of us have internalized Marie Kondo’s genius question by now: “Does it spark joy?” When deciding what to keep, donate, or throw away, this question can be the key to bypass tortured decision-making. The point is that objects are as meaningful as the stories they hold. If “sparking joy” doesn’t resonate with you, ask yourself–what’s one item in this room that I would love to never have to dust again? Maybe its day on the “donate” pile has arrived.

  • Let space do the decorating. Employ empty space as a design principle. Just like empty wall space in an art gallery allows each work of art to breathe, let the walls and floors of your home highlight the furniture and other items that deserve to be highlighted. 

  • Take gentle steps toward right-sizing. Minimalist spring cleaning can be a low-pressure way to prepare for a future move. As early as feels right, begin imagining what would come with you to a smaller space. Notice which items you use every day, and which ones go months or years without being picked up. 

As Heather Margaret (writing under the pen name Messie Condo) puts it in her straight-to-the-point guide Nobody Wants Your Sh*t: The Art of Decluttering Before You Die: it’s time to live in the moment without the mess. From all of us at Senior Spirit, good luck with your spring clean!



Sources:

https://www.npr.org/2025/12/04/nx-s1-5580582/vern-yips-secret-to-better-home-decor-stop-scrolling-for-inspiration 

https://www.mdpi.com/2076-328X/12/5/132 

https://www.hgtv.com/lifestyle/clean-and-organize/spring-cleaning-made-easy-pictures 

https://cdn.ymaws.com/www.napo.net/resource/resmgr/press_kit/women_vs._men_december_2019.pdf 




Blog posting provided by Society of Certified Senior Advisors


Five Tips for Safe Drug Disposal

 





Wait! Don't just toss that unwanted medication. Instead, use one of these tips to keep people and the planet safe. 

In general, doctors prescribe an exact amount of medication because the patient should take all of it. But patients and doctors might decide to cut short a course of medication for a number of reasons: unmanageable side effects, a new diagnosis, or because the medicine just isn’t working. When that happens, people end up with one or more small plastic bottles and a troubling suspicion that they probably shouldn’t just throw them in the trash.

Trust that instinct. There are two main reasons to dispose of unneeded medications with care: the health of other people, and the health of the environment. Medications left sitting around in the home could be accidentally ingested by children or abused by other adults. Among people who abuse prescription drugs, almost half get them from a friend or family member. Plus, when thrown in the trash, medications eventually make their way to the soil and water and can negatively affect human, animal, and plant health. 

To keep controlled substances out of the wrong hands and the environment, read on for five tips for safe drug disposal.


Are Orange Pill Bottles Recyclable? 

  • All five options listed here are just for disposing of the actual medication. What about the little orange plastic bottles? Whatever you do with them next, it’s important to first remove any identifying information, including your name and Rx number, with a Sharpie or by ripping up the label. 
  • Unfortunately, even though they’re made out of polypropylene, or #5 plastic, most municipalities don’t accept these bottles for recycling because they’re so small. Small plastic bottles will just fall through the cracks of most recyclers’ machines, and maybe even gum up the works. Ask your local municipality before putting these bottles out with the recycling.
  • Instead of recycling them, you can save up empty, clean, label-free bottles and look for local organizations that collect them. One church group, for example, collects bottles by mail and sends them to hospitals in countries that need them.
  • There’s no danger to throwing out these empty, de-identified bottles, but there may be ways to do the environment a favor and reuse them instead: mini first-aid kits, earbud holders, and travel toiletry bottles, to name a few.

1. Bring unwanted drugs to a Drug Take-Back Day.

The Drug Enforcement Administration (DEA) holds semi-annual Drug Take-Back events in partnership with civic sites in every state. Residents can anonymously dispose of their unneeded medication, and the DEA will take care of the rest. Mark your calendar: the next DEA Rx Take-Back Day is April 25, 2026. Visit their site and enter your zip code to find collection events near you. At the last event in October 2024, the DEA collected 286 tons of unneeded medication at 4,317 collection sites across the country. 

2. Look for other take-back kiosks or events in your community. 

Pharmacies often offer drug take-back kiosks in the store, where customers can dump their pills. This search tool identifies DEA-authorized collection kiosks. Other local government or community sites, like police stations or schools, may host periodic events similar to the national DEA Take-Back event. 

3. Use a free mail-in envelope. 

Yes, you can mail your unwanted medications to a DEA-authorized destruction facility. Pre-addressed and pre-paid mail-back envelopes are available at many pharmacies for this purpose, and organizations including town offices and continuing care retirement communities may provide them free of charge, too.


4. Medications on the “flush list” can and should be flushed down the toilet. 

Some medications could kill children who accidentally ingest them. Others are extremely sought-after for abuse potential. The DEA includes 15 kinds of medication in these two categories on a “flush list.” Experts have determined that, for these particular medications, the risk to human health outweighs the risk to the environment. So, if a take-back program, like one of the three options listed above, isn’t immediately available, flush any extra medication down the toilet for the safety of others. But be sure to first check the list or the medication’s packaging. 


5. If no other safe disposal options exist, throw it in the trash–but do this first.

If a medication isn’t on the flush list, and there are no take-back options available near you, unwanted medication should be thrown in the trash. But first, make it unappealing for use by others. The Environmental Protection Agency (EPA) recommends taking the medication out of its original packaging, mixing it with something gross (like cat litter or coffee grounds), putting the mixture inside an empty container like a yogurt tub, and then throwing it in the trash. 


Follow these tips, and you’ll be doing your part to prevent accidental poisoning and drug abuse and keep our watershed healthy.



Sources:

https://www.samhsa.gov/data/sites/default/files/reports/rpt42731/2022-nsduh-annual-national-web-110923/2022-nsduh-nnr.htm 

https://www.fda.gov/drugs/disposal-unused-medicines-what-you-should-know/drug-disposal-drug-take-back-options 

https://www.epa.gov/household-medication-disposal/what-do-unwanted-household-medicines 

https://www.medicalwastepros.com/blog/old-pill-bottles/ 





Blog posting provided by Society of Certified Senior Advisors


Tuesday, March 3, 2026

America250: Time to Celebrate!

    





Fireworks are just the beginning. The United States celebrates a major birthday this year with events for every American.


Boomers may remember where they were during the U.S. Bicentennial observances held in the summer of 1976. Cities across the nation hosted huge fireworks displays. An international fleet of tall ships set sail on July 4 from New York City to Boston. Johnny Cash presided as Grand Marshal of the U.S. Bicentennial parade in Washington, D.C. Small towns got together and celebrated the country’s 200th birthday in their own styles.

This year, the Declaration of Independence is turning 250. The occasion has been dubbed America250, the U.S. Semiquincentennial (in other words, halfway to 500), and the Quarter Millenium. Planning at the federal level started a decade ago, and a year-long celebration began on July 4, 2025. But the big day, the anniversary itself, is coming up on Saturday, July 4, 2026. 

What memories will we make this time around? There’s plenty to choose from: birthday bashes, reenactments, concerts, exhibitions, and, of course, some of the most explosive fireworks displays in history. 

Sail250

If you missed the fleet of tall ships in 1976, now you have another chance! Sail250 will gather tall sailing ships and military vessels from around the world for portside celebrations. New Orleans, Norfolk, Baltimore, the port of New York and New Jersey, and Boston will host the ships and stage airshows, concerts, and parades. This “largest-ever flotilla of tall ships from around the world” will feature 15,000 sailors from 32 countries. Lines are sure to be long, but those who plan ahead will have the opportunity to tour tall ships and meet the crews. The flotilla is set to arrive in New Orleans on May 28, in New York on July 4, and in Boston on July 11. 

Freedom Plane National Tour

A project of the National Archives, the Freedom Plane tour is inspired by the Bicentennial Freedom Train, which traveled the country in 1976 like a mobile museum of Americana. The Bicentennial train carried Jesse Owen’s four Olympic gold medals, Judy Garland’s dress from the Wizard of Oz, a replica of the Apollo lunar rover and real moon rocks, and some of the country’s founding documents. This year’s Freedom Plane will focus on the documents–it will carry original engravings of the Declaration of Independence, the Constitution, and other handwritten letters, treaties, and voting records from 250 years ago. The Freedom Plane will land in eight U.S. cities including Denver, Los Angeles, Dearborn, and Seattle, starting this month.

Commemorative Events at Revolutionary War Sites

Wherever traces of the American Revolution remain, expect to find Americans marking the 250th anniversary this year. Mount Vernon will open two floors of George Washington’s home to visitors after years of renovations, along with a new exhibit on the founder’s life and Revolutionary times. In Philadelphia, The President's House will host special interpretive events within a recreated foundation of Washington’s house, with exhibits investigating the paradox between ideals of liberty and the reality of slavery. Montgomery County, Pennsylvania, home of Valley Forge, will host interpretive readings throughout the battlefield and surrounding towns. Plus, the FIFA World Cup will be in town, with 16 matches scheduled for July 4 at Lincoln Financial Field. Start planning now if you want to experience Philly in early July! 

Opening of the Theodore Roosevelt Presidential Library

The Theodore Roosevelt Presidential Library commemorates and brings to life a different era of American history. The enormous library, museum, and cultural center will open July 4 in Medora, North Dakota after breaking ground three years ago. The non-profit foundation spearheading the project hopes that, in the spirit of the 26th President, “every visit will inspire bold action and fearless participation In the Arena” of American life. With sweeping architecture that blends into the North Dakotan landscape, the library is sure to become a must-see destination for fans of history and sustainable design. 

America 250, Colorado 150

Colorado is celebrating America's semiquincentennial, and their sesquicentennial, Colorado 150. Since September, the state has hosted what will amount to almost 150 community drone shows celebrating the state’s history. The Centennial State will brim with fun events this spring and summer, from group hikes to special exhibitions and parades. 

America’s Potluck

Sunday dinner is one of the great American traditions. The America250 Commission, which is organizing observances at the federal level, is promoting a nationwide event called America’s Potluck on July 5. According to the organizers, “America's Potluck is an opportunity for neighbors to join with one another to share a fun, communal meal, creating a sense of connection and belonging and fostering interactions among people from all walks of life.” Families and local groups can sign up to start or join a potluck on the website. 

True to the diversity that has strengthened America for 250 years, the Semiquincentenninal will bring something for everyone to enjoy. Whether or not you had the chance to celebrate the bicentennial 50 years ago, don’t sit this one out–it’s sure to be a once-in-a-lifetime experience.

Sources:



Blog posting provided by Society of Certified Senior Advisors

Monday, March 2, 2026

Famous and 65

 

Look who's turning 65 this month

Find out which celebrities are turning 65 this month!

March 4

This American lightweight boxer rose to fame in the early 1980s with an aggressive, crowd-pleasing style and a blue-collar image that earned him the nickname “Boom Boom.” When he captured the WBA lightweight title in 1982, he became a national sports figure and a symbol of pride for his hometown of Youngstown, Ohio. His career, however, is forever linked to one of boxing’s most tragic moments: a 1982 title defense against South Korean challenger Duk Koo Kim, who later died from injuries sustained in the bout. The fight led to lasting changes in boxing regulations, including shorter championship bouts and improved medical oversight. 

Answer: Who is…. (click here to reveal)?

March 11

A Malibu-born heartthrob with molded hair and an ever-evolving wardrobe, this iconic guy has held countless careers over the decades: from astronaut and doctor to rock star and beach bum. He debuted in the early 1960s as the longtime companion to the world’s most famous fashionista, and rapidly became a pop culture fixture in his own right. Recently, he’s enjoyed renewed attention and fandom thanks to a 2023 film, in which he comes to realize that he really doesn’t have anything to prove. On his “birthday” this month, he’ll celebrate 65 years of devotion to his leading lady. 

Answer: Who is…. (click here to reveal)?

March 29

This comedian, actress, and writer has built a cult following through her offbeat humor and delightfully strange sensibility. She first gained wide recognition on the sketch series Strangers with Candy with her portrayal of the morally bankrupt Jerri Blank. A frequent collaborator with fellow surrealists, she’s brought scene-stealing energy to films like Elf and television shows like Broad City and Unbreakable Kimmy Schmidt. She’s also an author, co-writing books that blend comedy and faux etiquette; for example, her hilariously-named I Like You: Hospitality Under the Influence. Her legacy may be that she elevated awkwardness to an art form.

Answer: Who is…. (click here to reveal)? 



Sources:

Wikipedia





Blog posting provided by Society of Certified Senior Advisors

Thursday, February 5, 2026

Honoring the Wisdom of Black Elders Through Financial Literacy

    





A commentary on Aging While Black by Raymond Jetson


During Black History Month, we celebrate the profound contributions of Black elders—individuals who, as author Raymond Jetson reminds us, are “too often seen only through the lens of vulnerability, when in truth they are pillars of ingenuity and wisdom.” His insightful work with the Aging While Black initiative challenges us to look past stereotypes and acknowledge the strength, creativity, and resilience that older Black adults continue to embody in every community.

Jetson’s 2025 book, Aging While Black: A Radical Reimaginging of Aging and Race in America, issues a clear call to action: institutions, advocates, and policymakers must recognize not only the inequities that shape the lives of Black elders but also their enduring leadership. This recognition must be paired with intentional strategies that affirm their value and transform the environments in which they age.

He further emphasizes, “I believe one of the greatest opportunities before us today is engaging older adults as resources to respond to many of the challenges impacting communities across the country while simultaneously making space for and listening to the wisdom that is emerging in younger generations.”

As a Certified Senior Advisor and financial literacy educator, I believe one of the most powerful forms of affirmation is access to financial knowledge. Many Black seniors spent a lifetime overcoming systemic barriers—limited access to wealth-building tools, discriminatory lending practices, and unequal earnings opportunities. Today, for Black seniors, financial literacy education serves as both an empowerment tool and a bridge:
- A bridge to confidently navigate retirement decisions
- A bridge to protect their assets and avoid financial exploitation
- A bridge to pass down generational wisdom and financial stability

Financial literacy honors the legacy of Black elders by giving them the information, resources, and support they deserve to thrive at every stage of aging. When we invest in their financial well-being, we strengthen entire families and communities.

This Black History Month, may we uplift not only the stories of the past but the elders who continue to shape our future—ensuring they are seen, heard, and equipped with the tools that affirm their dignity and economic security.


Author Bio:
Dr. Brenda Oldham, Ed.D., CFF, CSA, is the CEO and Owner of RAM Insurance & Financial Services and the Founder of RAM Educational Business Solutions, where she leads initiatives focused on financial literacy education, workforce development, and financial equity for individuals, entrepreneurs, and organizations. Dr. Oldham serves on the Georgia Advisory Board for the Financial Educators Council and is a Business-to-Business Partner Provider with Oakland Thrive in Oakland County, Michigan, where she coaches entrepreneurs and delivers educational workshops to support business growth and sustainability. A sought-after speaker and media contributor, Dr. Oldham has appeared on Detroit’s WJR Radio station as a guest on Ann Thomas’ Women Who Lead weekly radio program. Brenda also hosts the
monthly podcast Rock Your Finances with Dr. Oldham, where she shares practical financial strategies and inspirational insights.



Blog posting provided by Society of Certified Senior Advisors

Applying the Montessori Method to Dementia Care

   





The person-centered approach to dementia care prioritizes independence and choice.


A music therapist by training, Leslie Sedille started her career as an activities director at a senior living community. There she found her calling serving seniors and their families. But when she became director of memory care at another company, she struggled to witness how their policies affected older adults with dementia. The facility wasn’t staffed correctly, Leslie recalls, to allow aides and residents enough time to engage at each resident’s own pace. Residents who felt rushed to shower, for example, would refuse to do so because they felt scared.  

“This is just not the way it’s supposed to be,” she remembers thinking. When Leslie found the Certified Montessori Dementia Care Professional® certification, “I was like–that’s me and what my principles are.”

In addition to being a CSA, Leslie is now a CMDCP®.
A CMDCP certification represents an additional level of training for health care professionals, educators, elder care attorneys, care managers, and other professionals who serve people with dementia. The National Council of Certified Dementia Practitioners (NCCDP) offers the certification program as an online or in-person course and exam. 

Montessori care, like Montessori education, is person-centered. “You’re meeting the person where they’re at and adapting what you want to be done to where their skills are,” says Leslie, who is also a member of the Senior Spirit editorial board. “It’s a common sense approach, if you know dementia.” 

The Montessori Method: Not Just for Kids
In early twentieth-century Italy, Maria Montessori developed and started to popularize her now-famous educational method. Today, Montessori schools operate around the world in many variations. All are known for their holistic, child-centered teaching philosophy, wherein the teacher functions as a gentle guide encouraging children’s natural explorations. 

Starting in the mid-1990s, dementia care practitioners and researchers began to see and study the potential of the Montessori method for dementia care. Now, various organizations promote the Montessori philosophy and specific techniques as applied to the care of people with dementia. The Association Montessori Internationale (AMI) promotes Montessori for Dementia, Disability, and Ageing (MDDA). The four key principles of the MDDA method are: 
  • Self-esteem,
  • Independence,
  • Choice, and 
  • Meaningful engagement. 
“Always remember that there is a person behind the dementia,” AMI shares on their website. “We need to look for the person and focus on abilities rather than disabilities. To start, we can learn about their history, culture, lifestyle diversity, strengths, interests, needs, and more.” AMI offers another certification, the Montessori for Dementia, Disability and Ageing Certified Practitioner (MDDACP).

Montessori dementia care practitioners choose activities based on the individual’s interests. Activities use guided repetition and pattern recognition, which rely not on conscious recall, but rather on procedural and implicit memory. These kinds of memory tend to remain intact longer for people with dementia. For a person who was an interior designer, an activity might be to match different samples of wallpaper with borders. 

To promote independence and meaningful engagement, Montessori dementia care also empowers people to do the daily tasks they can still do, given adequate scaffolding and time. For example, providing a visual template for a table setting allows a resident to set their own place by using the image as a guide. In a study, residents with advanced dementia showed more constructive engagement and pleasure after participating in Montessori-based activities as compared to regular programming.

Montessori care requires an active staff trained on the philosophy at some level, says Leslie. “You have to buy into it. You have to be patient.” Supporting people with dementia to complete daily activities at their own pace, not rushing them along, takes great time and patience. But the results, according to researchers and proponents of the Montessori method, are that the people being served will be happier, safer, and more able to live with dignity. 

Both a CMDCP and CSA
Leslie is now a Family Liaison and Care Manager at Paradise Home Health Care in Boca Raton, Florida. In her current role, she uses the skills she learned as a CMDCP  while getting to know families. “I’m asking questions that really get to the heart of who their family member is so we can communicate that to the aide.” That familiarity is key because, with Montessori dementia care, the person providing care needs to understand the individual’s preferences and personality. Leslie asks questions like, “What time does your mom get up?” and “How much can she do on her own?” to prepare her aides to know what the client really needs help with, and what they prefer to continue to do for themselves. In home health care, the goal is that the client still runs their own home, with the help they need. 

Both the CMDCP and the CSA certifications are focused on the well-being of seniors, Leslie says. For her, having both certifications opens up access to different resources, people, and networks. The approaches complement each other. “Being a CSA, it’s not just sales and marketing. When potentials call, I’m talking to them and building a rapport, but it’s the way I talk with them.” She’s listening, providing resources, and speaking to the humanity of the family and their loved one. “Even if they don’t go with us, six months later I’ll get a call.” As a CSA and a CMDCP, Leslie’s approach is wholly centered on the best interest and well-being of her clients. 



Sources:



Blog posting provided by Society of Certified Senior Advisors

Wednesday, February 4, 2026

Five Tips for Traveling with Pets

  



Lots of seniors are bringing their best friends along on vacation. Plan ahead for a fun, safe, and comfortable trip for everyone. 


More than half of Americans over age 50 own pets, and over half of those pet owners choose to take their pets along with them when they travel, according to a Healthy Aging poll. And why not? As we know, owning a dog or cat has been shown to boost brain health, and our pets are family. As long as we know they'll be safe and comfortable, it’s a joy to bring pets along on life’s adventures. 

If you’re looking ahead to summer and planning a road trip, or maybe even looking to board a plane with your pet, here are some tips for making it a happy and safe journey for both two- and four-legged travelers.

1. Advance planning is key. While there’s no need to plan every pit stop, taking a look at a map for dog-friendly parks and restaurants along your route will make for smooth sailing. Plan on stopping every two or three hours, for twenty minutes or more, to give dogs a chance to get a few laps in. (More frequent breaks are a plus for most older adults, too! Having the dog along will remind you to stop and get your own body moving on long car trips.) Websites like GoPetFriendly and BringFido can help you look at your route and find pet-friendly stops you can plan around. These sites can also point you to local veterinarians at your destination.

2. Flying? Consider the pros and cons. What makes an airline pet-friendly? Most airlines will accommodate your pets, but whether they’re allowed to be in the cabin with you depends on each airline. On almost every airline, if pets are allowed in the cabin, they must be in carriers the entire flight (the one exception we found, for dogs at least, is BARK Air, described below). Consider your dog or cat’s temperament before scheduling any non-essential air travel. Total sedation is generally discouraged because it can be dangerous; most vets will prescribe a mild anti-anxiety drug for air travel. Flying is certainly stressful, but some pets will take it in stride. 

For luxury air travel with your dog, consider BARK Air, a newer company that partners with U.S. air carriers to offer flights where dogs are the VIPs. Your dog rides with you in the cabin, and the whole in-flight experience is tailored to your dog’s comfort and needs. All dogs on the flight are seated (with their persons) according to trained dog behaviorists’ assessment of  pre-flight pup socialization. That level of attention to detail makes for smooth sailing, albeit with a hefty price tag. BARK Air currently flies between New York City, Los Angeles, London, Paris, Lisbon, San Francisco, and Madrid, and flights sell out months in advance. 

3. Pack with care. In addition to the essentials–like plenty of familiar food and treats, bowls for water, and doggie bags–pack favorite blankets, toys, and other comfort items to help make new places feel more familiar. Be sure to pack all your pet’s needed medication and consider bringing a pet first-aid kit–here are some good ones. For long car trips in the heat of summer, a cooling mat can keep pets comfy. 

Before a trip, make sure your pet’s identification tags are secure and easy to read, and make sure their harness and leash are in good repair. Same goes for any crate or pen you plan to bring along. 

4. Drive pet-safe. Most dogs love a car ride. Experts caution that it’s safest for dogs to keep their heads inside moving cars to stay safe from debris and other vehicles. To cut down on distractions and protect against impacts, dogs should be in a crate or secured with a pet seat belt, and cats should be crated while cars are in motion. Dog seatbelt technology has come a long way; today’s products are comfortable and light. Many will double as a harness for walking. 
While it’s common knowledge, it can’t be overstated: never leave a pet in a hot car, even with the window cracked. Heatstroke can happen within minutes. Always err on the side of caution, and keep pets with you on hot days.

5. Take lots of pictures. Your friends and family want to see you and your pet enjoying life in far-flung locales. Don’t forget to post those photos, please!

Sources:




Blog posting provided by Society of Certified Senior Advisors

Simple Tax Strategies to Keep More of Your Money

 






Review this checklist every February to ensure you are taking full advantage of tax-saving opportunities.


Use this simple one-page guide to reduce your tax burden and keep more of your money. These strategies are easy to understand and implement for seniors, families, and small business owners. 

1. Max Out Tax-Deductible Contributions

Contributing the maximum allowed to retirement accounts like IRAs and employer plans can lower your taxable income while strengthening your long-term financial security. 
  • Increase contributions to your 401(k), 403(b), or traditional IRA.
  • Even a 1–2% increase can lower your taxable income.
  • Check if you qualify for catch-up contributions (age 50+).

2. Use Tax Credits 

Tax credits directly reduce the amount of tax you owe, dollar-for-dollar, making them one of the most powerful tools for keeping more of your money. 
  • Earned Income Tax Credit (EITC).
  • American Opportunity Credit (education).
  • Child Tax Credit (grandparents raising grandchildren may qualify).
  • Energy-efficient home improvement credits.

Where To Turn for Free and Low-Cost Tax Preparation

Tax preparation doesn’t have to break the bank; in fact, many seniors are eligible for free or low-cost tax prep services. Here are a few places to look for affordable tax assistance in your community. 
  • Volunteer Income Tax Assistance (VITA) and Tax Counseling for the Elderly (TCE). For more than 50 years, the IRS has funded these volunteer-run programs at local organizations, with a focus on households making under $67,000, taxpayers with limited English, and people with disabilities. TCE specializes in tax issues important to older adults, like Social Security and pensions, but any VITA site should be able to assist with those questions. Use the locator tool to find a VITA/TCE site near you for free tax prep.
  • Your local library. Many library systems provide free tax prep for low-income households, often through VITA. If they don’t offer it themselves, they’ll refer you to other local providers. (Just one more reason to love your library!)
  • AARP’s Tax-Aide program.  You do not have to be an AARP member to take advantage of their IRS-certified volunteer-run Tax-Aide program. They provide free tax assistance to anyone, with a focus on people over 50 years old who have low income. 
    3. Track Deductible Expenses
    Keeping good records of eligible expenses such as medical costs, charitable giving, and business or volunteer mileage can significantly reduce your taxable income. 
    • Medical and dental expenses.
    • Charitable donations (cash, clothing, household goods).
    • Property taxes and mortgage interest.
    • Business expenses (home office, mileage, supplies).
    • Keep receipts in a simple envelope or digital folder.

    4. Review Withholding & Estimated Taxes

    Regularly checking your tax withholdings or estimated payments helps prevent surprise tax bills and keeps your cash flow on track throughout the year. 
    • Use the IRS withholding calculator.
    • Adjust W-4 if you owed taxes last year.
    • Self-employed? Double-check quarterly estimated payments.

    5. Use Tax-Advantaged Accounts

    Accounts like HSAs, FSAs, and 529 plans allow your money to grow tax-free when used for qualified healthcare or education expenses, creating smart savings at any age. 
    • HSA: Save pre-tax dollars for medical expenses.
    • FSA: Use funds for childcare, medical, dental needs.
    • 529 Plans: Tax-free growth for education savings.

    April 15 always arrives before you know it. We hope that by keeping this checklist handy, you maximize your savings for tax year 2025. 


    This article is not intended to be a substitute for professional financial advice from a qualified financial advisor.


    Monday, February 2, 2026

    Don't Let Subscription Fatigue Get You Down

     




    With so many ways to subscribe, seniors need systems for tracking recurring charges. 


    Feeling the subscription fatigue? These days, we can subscribe to everything from shaving cream to meal boxes, online magazines to smoothie mixes, credit cards to budgeting apps. Understandably, many people are tired of keeping track of what they’ve subscribed to…and exhausted from seeing all those recurring charges on their monthly statements. Let’s review some subscription fees that commonly fly under the radar, and how to recognize and put an end to the subscriptions you don’t really want.

    “Subscribe and Save” purchase options
    Amazon and other online retailers now ask if you want to “subscribe and save”--meaning you’ll pay less now if you pre-order the product for delivery in another 2 weeks or one month. This offer could save you money, if you’re definitely going to need that item again at that frequency. But…are you? Ask yourself the tough questions before hitting “subscribe” to avoid a surprise charge later.

    Printer ink subscriptions
    Depending on your printer and your printing needs, it may make financial sense to subscribe for printer ink (more on that here–it’s complicated). The important thing for seniors and families to know is that ink subscriptions are common these days, and for those who print very little, ditching the printer and its related ink subscription could be a place to save. 

    Donations to non-profits or political candidates
    When making a donation to your favorite charities or political candidates, choosing to “make it monthly” can be a convenient way to provide consistent support to the causes you care about. But only if that’s what you mean to do. It’s best practice for online donation platforms to make “one-time donation” the default choice, so that the individual making the donation would need to select a monthly donation on purpose. Of course, not every entity chooses this best practice, and it can be easy for people who aren’t as familiar with online platforms, including seniors, to make their donation recurring by accident.

    Cloud storage
    Like with printer ink, it can make sense to pay for cloud storage. The key is to pay only for what you need. GoogleOne and Apple iCloud pricing rises with the amount of storage purchased. Phone users may have seen the notice that their phone is almost out of storage and bought the recommended cloud storage right away. Review what you’re paying, how often you’re paying it, and evaluate if that cost matches your needs.

    Old app subscriptions, free trial “zombie” subscriptions, and other “grey charges”
    When you’re pretty sure you canceled that streaming service subscription, and then notice 5 months later that you’re still paying $12.99/month for it– that’s a grey charge. Grey charges are sneaky and sometimes illegal charges that tend to be small enough to run under the radar, and yet add up over time. If you see small, regular charges on your bank account or credit card statement that you don’t recognize, it may be that you downloaded an app that charged you a sneaky subscription fee, or it could be a fee detailed in the fine print of another service. It may be that you really did cancel that subscription, but somehow your request was never processed. 

    It’s in the interest of companies to make recurring fees as easy to accept and hard to detect as possible. This game is stacked against older adults, who may be less familiar with these newer online payment tricks. And for people with cognitive decline, keeping track of recurring fees can be a major challenge. CSAs and loved ones can keep this in mind and help older adults keep tabs on all their subscriptions.

    Ways to Identify Unwanted Recurring Charges
    Knowledge is power when it comes to these unwanted subscriptions and grey charges. 
    • Review your bank and credit card statements every month. If you see a charge you don’t recognize, reach out to the bank or credit card company for help identifying it. 
    • Try an app to help you audit your subscriptions. If you have a lot of active subscriptions–or a sneaking suspicion that you might–consider downloading an app to assist you in reviewing your recurring charges. Some popular ones are Trim and PocketGuard.
    • If you’re concerned about grey charges, set up bank or credit card alerts to notify you of charges under a certain dollar amount.
     
    For most of the subscriptions mentioned above, the ball is in the consumer’s court: you can decide what you want to pay, and cancel the subscriptions you don’t need. But when a company doesn’t immediately cancel the subscription when you ask, or if you can’t figure out what a charge is for, don’t hesitate to contact your bank, the credit card company, and/or the Federal Trade Commission to report suspected fraud.



    Sources:






    Blog posting provided by Society of Certified Senior Advisors

    Famous & 65

     

    Look who's turning 65 this month

    Find out which celebrities are turning 65 this month!

    February 2

    This longtime sports broadcaster has become the unmistakable voice of New York Yankees baseball for generations of fans. Beginning his career as a newspaper reporter before moving into radio, he joined the Yankees’ broadcast booth in the early 1990s and went on to call some of the franchise’s most memorable moments, including multiple World Series championships. The Bronx native is known for his signature Yankees home run call: “There it goooooes… see ya!” He’s currently the host of a popular daily sports radio show in New York that bears his name.

    Answer: Who is…. (click here to reveal)?

    February 10

    This veteran journalist and political commentator became a familiar face in American media after first making his mark behind the scenes of national politics. He was a senior advisor to Bill Clinton’s presidential campaign, and then became White House communications director early on in the Clinton administration. He later joined ABC News and built a long career as a trusted interviewer and anchor. He currently hosts This Week, ABC’s Sunday morning show, and is a co-anchor with Robin Roberts and Michael Strahan of Good Morning America, the most-watched morning show for over a decade. Back in the 90s, he enjoyed some non-political media mentions on lists of the nation’s most-eligible bachelors. 

    Answer: Who is…. (click here to reveal)?

    February 16

    This British guitarist helped define the sound of 1980s pop-rock, the “New Romantic” era. As the lead guitarist of Duran Duran, he gave hits like “Hungry Like the Wolf,” “Rio,” and “The Reflex” their distinctive bite. During the band’s peak, he also co-founded a funk-driven side project, The Power Station. After departing Duran Duran in the mid-1980s, he pursued a solo career and later collaborated with other rock stars including Robert Palmer. He eventually reunited with his bandmates for the successful Astronaut album and tour. 

    Answer: Who is…. (click here to reveal)?


    February 27

    This Lakers forward became a cornerstone of one of basketball’s great dynasties. Drafted first overall in 1982, the North Carolina native spent his entire NBA career with the Los Angeles Lakers, thriving in the high-octane “Showtime” era alongside Magic Johnson and Kareem Abdul-Jabbar. Nicknamed “Big Game James” (there’s a clue), he earned NBA Finals MVP honors in 1988. Over a 12-season career, he was a seven-time All-Star and won three NBA championships, helping cement the Lakers’ dominance of the 1980s. Inducted into the Naismith Memorial Basketball Hall of Fame, he later transitioned into broadcasting, becoming a familiar voice analyzing the team he helped make legendary.

    Answer: Who is…. (click here to reveal)? 



    Sources:

    Wikipedia





    Blog posting provided by Society of Certified Senior Advisors

    Thursday, January 8, 2026

    Monthly Internet Bills Are Hard to Read. Broadband Facts Could Help.

        




    Feeling like you need a PhD in cryptology to understand your internet bill? You're not alone. 


    In the past couple of years, you might have seen a portion of your Internet bill that looks surprisingly like a Nutrition Facts label on a box of cereal. These Broadband Facts are a new initiative of the Federal Communications Commission (FCC) intended to make inscrutable Internet bills easier to understand. They include information including monthly rates, how long introductory rates last, additional charges included in the monthly rate, Internet speeds provided, and more. 

    Unfortunately, these labels may be easier to read, but they’re not always easy to find–some companies avoid printing them on paper bills. For those who have gone paperless, the Broadband Facts are sometimes hidden on the company’s website. And the labels themselves can be confusing as they’re currently designed, especially when a customer buys Internet, phone, and cable together. It remains to be seen whether proposed rules to streamline the labels will do more to help or hurt consumer protections. 

    If you’re struggling to understand what you’re paying for now, while we wait for improved billing to arrive, here are some tips to make the best of the broadband payment options we have today.

    Tips to Save Money on Monthly Internet Bills

    Start with doing your best to understand what’s on your bill. Some Internet service providers (ISPs) are worse than others with the tacked-on fees, including data overage charges, late fees, and equipment rentals. If you’re not sure, check to see if you’re paying a monthly fee to rent your modem and/or router (and if you need a refresher on what those even look like, refer to this Senior Spirit article). Purchasing your own equipment can be a smart financial decision in the long run.

    It can also pay to research what’s out there. While ISPs have a reputation for being monopolies, there are usually at least one or two other options for Internet service for U.S. homes. The FCC offers a map where consumers can search by address for ISPs that serve their area. Broadband Now, a company that aims to help consumers find and compare Internet providers, also provides a search tool for every local option. 

    You’ll also want to calculate how much bandwidth you need, and pay for that tier, not a more expensive one. Broadband Now has a handy bandwidth calculator that will help you determine your needs based on how many devices are likely to be in use at one time, and for what purposes.

    Consumer Advocate Paints a Picture of the Broadband Future We All Want

    “Imagine what your experience with your internet service provider would be like if our government insisted on well-done consumer transparency,” writes Chayya Kapadia, Chief of Staff at New America's Open Technology Institute. Kapadia and her team advocate for consumers through policies promoting robust broadband labels and more. She paints a picture of what we should expect from the industry:
    • You would be able to access a label with minimal clicks on well-labeled links on every provider website. 
    • Your label would be printed on your bill every month. 
    • Your internet service provider would proactively mail or email you an annual disclosure of your current service's label, and a notice every time your bill or service changed with the changes clearly marked. 
    • The label would include color-coded context to help you understand what you can reasonably expect to be able to do with your internet service plan. 
    • The label would have reliability and downtime information as well as details on how your service might change during peak usage times. 
    • The label would tell you when and how a provider might degrade service for video or mobile hotspots. 
    • The label would be available in many languages. 
    • The label would mention every subsidy program that you might qualify for. 
    • The FCC’s broadband map—which displays the internet service available at your address—would allow you to click directly to the corresponding labels for the tiers of internet service available at that address, too.

    With equitable Internet service as with anything else, we can’t build it until we can dream it. If you’re not getting the transparency you want from your ISP, advocate for yourself–politely but with a clear willingness to cancel if necessary. Getting the change you want, on your own monthly bill or in the broadband industry as a whole, will take persistence.


    Additional Sources:





    Blog posting provided by Society of Certified Senior Advisors