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SENIOR LIFE AN ANTON MEDIA GROUP SPECIAL
JULY 18 - 24, 2018
Breakthrough in Alzheimer’s treatment Retirement mistakes to avoid Prosthodontics
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SENIOR LIFE • JULY 18 - 24, 2018
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SENIOR LIFE • JULY 18 - 24, 2018
Gray Divorce
Collaborative divorce may be the best option when older couples part ways BY KIM CIESINSKI specialsections@antonmediagroup.com
It is always heartwarming to see stories about an elderly couple that has been married for nearly their entire lifetimes. The late former First Lady Barbara Bush was married to her husband for more than 70 years. But the reality of today is that “Gray Divorce,” among couples ages 50 and up, is on the rise. Over the last 20 years, the number of these gray divorces has doubled—and it is consistent even among couples where one or both of the spouses are on a second, or third, marriage. Children are likely to be grown and on their own, so issues of custody, parenting time schedules and child support will probably not exist. However, gray divorce brings its own unique set of complex challenges which are seen from a different perspective than with younger couples—that of separating partners much closer to, if not already in, their retirement years. This is where the Collaborative Divorce approach can help. A collaborative approach to matters including
Social Security, income from 401ks and IRAs, pensions and health and life insurance plans is a far better process to address the distinct and personalized needs of older divorcing couples than the cookie-cutter formulas of divorce litigation. Simply put, when dissolving a long term marriage, one size does not fit all. Collaborative divorce begins with an examination and full understanding of the financial picture. In the case of older couples this is more likely to involve a fully paid off home, numerous investments, retirement plans, pensions and other
assets accumulated over decades. In collaborative divorce, an agreed-upon, impartial financial planner is brought in to work around the table with both spouses and their attorneys to develop a realistic and sustainable distribution. Comprehensive financial planning will also assist both parties in adjusting to a new economic structure once the divorce agreement is finalized. For example, if this is a couple that had been married for
decades, the wife may not have ever been aware of or handled the family finances. Careful planning is needed to insure that she not only understands the financial possibilities, but that the correct course is chosen to address her particular needs. Psychological support is also provided, again by an impartial mutually agreed-upon mental health professional, as there are numerous emotional issues which can arise and often serve to derail progress. Perhaps one partner may not have ever envisioned living without the other, and gray divorce can have as much of an emotional impact as the death of a spouse. Naturally, collaborative divorce may not work for every older divorcing couple, but often times can be a quicker, less expensive, less stressful and more equitable method for many. Learn more about whether collaborative divorce is right for you contacting Kim Ciesinski at KMC@ ADRLawNY.com. —Kim Ciesinski is an attorney with ADR Law
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SENIOR LIFE • JULY 18 - 24, 2018
SENIOR LIFE Q&A
Home Health Advocate
Amy Recco reveals Friends for Life’s commitment to care BY STEVE MOSCO
smosco@antonmediagroup.com
Amy Recco and her husband Michael founded Friends for Life in 2010 in their hometown of Massapequa Park with a mission to provide home care that encourages independence and promotes well being and support to all of their clients’ needs.
Q
How did you get into the home health care business? Was this something you were always passionate about?
A
Together, my husband and I have more than 30 years of experience in the home care industry. Between my husband’s longtime knowledge from working in the field, along with my passion to help those in need, we decided to team up and create our business we now call
Friends for Life Home Care. We have been growing our business for almost a decade and I become more and more passionate each day. I believe in what we do and that’s why we do it so well.
Q A
What services does Friends For Life provide?
Friends for Life provides a number of services and we’re continuously expanding what we offer when we see there is a need. We are most well-known for providing basic home care services such as hourly and live-in companions, as well as long-term senior care planning. We offer Medicaid consulting on site. We also provide hospice care and senior advocacy. If we cannot directly provide you with our services, you are still not alone. We provide multiple referrals and nursing home/assisted living placements. Lastly, we understand the struggles and stress of caring for loved ones, so we provide free caregiver support groups for families that need to talk through their situations and
share resources and support.
Q
What are some ways that Friends For Life provides the best care possible for patients?
A
Our commitment to excellence provides our clients and their families with the assurance of safe, reliable and affordable services. Each client’s situation is different and we are sure to suggest the best possible solutions and services to meet their individual needs. We want to see our clients thrive and give their families the peace of mind they deserve. We make sure our clients are comfortable with their companions and are respectful of their wishes within their own home.
Q A
What is the most important aspect of home health care?
There are two key elements in home health care. I can sum it up in two words: “Home” and “Care.” To me, these are the two reasons why home care has become so very important in our society. Through my years of experience, seniors like to stay in the comfort and safety of their own environment. It’s all about keeping independence and maintaining the same lifestyle in their own familiar surroundings, just with some added help. Staying home means being near family and friends and it gives seniors the sense of freedom and confidence that they deserve.
Q
You were recently named a Woman of Distinction in the Town of Oyster Bay for your work with Friends For Life. How did it feel to be recognized for your hard work?
A
Hours: Mon to Sat 7:00am to 6:00pm
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I live and work in such a wonderful community and felt so honored to receive recognition for my hard work. I will say I was shocked, but extremely proud! However, the true reward is having the opportunity to help people every day.
Q
What are some of the struggles faced by families of patients? How does Friends For Life address those struggles?
A
The hardest thing is trying to help my clients while respecting their right to make choices for themselves. For this, I became an advocate. Additionally, I see many families that are overwhelmed and I like to be not just a place to provide companions, but options, and answers. I help anyone who needs help with elder care, planning, anything necessary to get them the help they need, no matter what it takes.
Q
If someone needs help with Friends For Life, how can they reach out? Is there a consultation process?
A
We have two offices with plenty of people on staff that can help. We welcome anyone to come into our office to sit-down and talk with us, so we can figure out a plan that suits you and your loved one’s needs best. We become very vested in the needs and wants of our clients and often times start to build close relationships and become “friends for life.” We are always available 24/7 and we offer same day emergency services for those that are in crisis-mode.
Q
What are some of your hobbies?
A
Although I am a self-proclaimed workaholic, I do enjoy spending as much time with my family as possible. My kids are the light of my life and my elderly mother, who lives with me, is my best friend. I am an event planner and love hosting parties and get-togethers. When I have any free time, you can find me relaxing with my two dogs, three cats (and a fish) or having fun in Montauk.
Q A
Who has had the biggest influence on your life? How so?
There have been many people that have impacted my life, but my dad was my biggest inspiration. I am a better person for being raised by such a wonderful man. My dad was such a hardworking and caring person and was ultimately my backbone. I am living out my dream and making him proud. To find out more about Friends for Life, visit www.friendsforlifeny.com or call 516-586-6941 or 516-900-1818.
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SENIOR LIFE • JULY 18 - 24, 2018
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SENIOR LIFE • JULY 18 - 24, 2018
Brain Mapping Could Aid Alzheimer’s Treatment BY JEFFREY LOWENKRON
specialsections@antonmediagroup.com
Researchers have been using new brain-mapping technology that is trying to peel back the secrets of the brain. The goal: Make world-changing discoveries about how our minds work that could lead to earlier detection of Alzheimer’s and other brain diseases. The research’s success could allow physicians to start treatments earlier than ever and perhaps delay the onset of this memory-robbing condition that haunts the older population. As you look at people as they grow older, from a health perspective they are probably more afraid of losing their memory than they are of getting cancer. There is no cure for Alzheimer’s. Part of the problem in finding one: For all the world’s scientific and medical advances, there is still a lot we don’t know about the brain. What happens with the electrical activity of the brain as it ages? What’s normal and what’s abnormal? No one really knows. With this trailblazing research that is happening in Florida’s The Villages, we may be drawing closer to finding out.
About 1,000 residents of The Villages volunteered to participate in the brainhealth research that’s being conducted in partnership with faculty from the University of South Florida and an Israeli company called ElMindA that originally developed the sophisticated BNA (Brain Network Activation) technology for use in concussion treatment with young people. All of the partners believe that the technology holds the potential to revolutionize the diagnosis, monitoring and treatment of brain-related disorders. Here’s how it works: An electrode monitoring device that resembles a hair net is placed on the volunteer’s head. The volunteer is then given a series of computer tasks to perform during an EEG recording. From there, a 3D representation can be created to show what the brain looked like when the volunteer was responding to the tasks. The goal is to develop a baseline of what a healthy brain looks like. ElMindA says the results can give physicians snapshot mapping of brain-network function in comparison to a healthy/ normative group; the ability to compare multiple tests over time and objective information to assist with
better-informed medical decisions. The BNA technology also has been used in assessing brain damage caused by concussions, especially sports-related concussions, and it’s hoped it will be effective with other brain disorders, such as depression and dementia. For the Alzheimer’s study, there’s probably not a better place in the country than The Villages because no where else can you find a community this large that’s made up mostly of people the right age for the study. The community has a research board that gave the go-ahead and the project began in July 2017. The goal was to recruit 1,100 volunteers, and so far about 1,000 people between the ages of 55 and 84 signed on to help out. The research participants will be monitored several times over the course of the study, which will go on for about another year. Most likely, the residents who volunteered to participate will never gain any personal benefit from the research
results. But the generations who follow them might, which is enough to make it worthwhile to them. Dr. Jeffrey Lowenkron is the Chief Medical Officer of The Villages Health in the Villages, a retirement community in Florida.
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SENIOR LIFE • JULY 18 - 24, 2018
SENIOR LIFE DONT’S
Four Common Retirement Mistakes And How To Avoid Them BY JADON NEWMAN
from them only what you need to meet your pre-determined budget. Be sure you calculate your Social Security payment and any required minimum distributions so you don’t incur additional tax liability.
specialsections@antonmediagroup.com
Constructing a smart retirement income plan isn’t easy. Throughout the working years there are many factors to consider, such as salary, expenses— monthly and unforeseen—debt and college for the kids, just to name a few. All of those can affect a person’s ability to, first, devise a consistent plan for their retirement goals, and secondly, accumulate the necessary capital to provide ample retirement income. Meanwhile, costly mistakes can be made that will have implications down the road. A retirement strategy has many moving parts, and each can have a significant impact on the others. Many people often make the same mistakes. There are ways to avoid them, and much of it is about knowledge. There’s more you need to know about retirement today than you did 20 or 30 years ago. It starts with knowing what lifestyle you want to achieve in retirement and the options that will both protect you and enhance what should be the best years of your life.
Having the wrong kind of annuity
‘‘
Putting your entire nest egg in one basket could be disastrous.
’’
–Jadon Newsman
Leaving your nest egg vulnerable to big market drops
Putting your entire nest egg in one basket could be disastrous. Having an excessive amount of market risk in your portfolio, you could find yourself suffering a loss that you won’t have time to recover from before you retire. With stocks having surged for an extended period, beware the bear market. It would be wise to purge some risk from your portfolio in favor of more predictable methods of capital growth and income, such as annuities, life insurance policies, or
alternative investments like private lending and real estate.
(Photo courtesy of Noble Capital)
Second Opinion Service Philip G. Palumbo, CFP® Senior Vice President– Wealth Management 516-408-5848 ubs.com/team/ palumbowealthmanagement
Investing like you’re still young
Earlier in their working careers, people often have a higher risk tolerance. But approaching retirement, your investment strategy should shift toward preserving capital. Phase out those investments that are subject to wider fluctuations. The gradual move away from riskier investments should begin as you enter your mid- to late 40s.
Not satisfying basic income needs
It has become less realistic for a 401k coupled with Social Security to provide the regular income needed for retirement. It’s important to estimate what yearly expenses will be in retirement and diversify accordingly. Use your investments, insurance policies or retirement accounts to provide multiple income streams. This allows you to draw
A crucial component of a comfortable retirement is reliable income, and a common way to achieve that is by using annuities. Unfortunately, some retirees find themselves with an annuity that doesn’t fit their needs. A fixed annuity pays out a guaranteed rate of return, providing less risk compared to variable annuities, but the tradeoff is you get a more modest return. Sometimes a fixed index annuity (FIA) is the best bet. These allow you to protect your principal by shifting the risk to the insurance company selling you the annuity. There are caps on your potential returns, but FIAs are more reliable because they mitigate risk. With retirement planning, the end goal should be not only to ensure you’ll have enough income to satisfy your retirement budget, but also to provide you with enough to truly enjoy your retirement. Because life goals and the economic climate are subject to change, you need to consult with your financial adviser annually to optimize your strategy. Jadon Newman is the founder and CEO of Noble Capital (www.noble capital.com). With more than 16 years of experience in the financial services industry, he specializes in retirement planning, real estate investment and asset management.
Many successful families may be in complex financial situations or are just unhappy with the advice they are receiving from their financial advisor(s)—it’s not uncommon. We have found that a majority of high net worth investors would value a second opinion on their finances. Contact us today to learn more about how we can help to improve your current situation. Palumbo Wealth Management Group UBS Financial Services Inc. 1055 Franklin Avenue Garden City, NY 11530
As a firm providing wealth management services to clients, UBS Financial Services Inc. offers both investment advisory services and brokerage services. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that clients understand the ways in which we conduct business and that they carefully read the agreements and disclosures that we provide to them about the products or services we offer. For more information visit our website at ubs.com/workingwithus. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and Certified finanCial Planner™ in the U.S. Neither UBS Financial Services Inc. nor any of its employees provides legal or tax advice. You should consult with your personal legal or tax advisor regarding your personal circumstances. UBS Financial Services Inc. is a subsidiary of UBS AG. © UBS 2018. All rights reserved. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC. CJ-UBS-1719415545 Exp.: 02282019 180978B
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SENIOR LIFE • JULY 18 - 24, 2018
Grin And Wear It
Local prosthodontist keeps smiles healthy at any age BY JENNIFER FAUCI jfauci@antonmediagroup.com
A smile is universal. One of the first things people notice when others smile is their teeth. But keeping your chompers pearly white isn’t enough; it is most important to keep them healthy. Donna Gentile, DDS, knows all about oral hygiene and as a prosthodontist, she specializes in the replacement of missing or damaged teeth. “Simply speaking, prosthodontics pertains to the diagnosis, treatment planning, rehabilitation and maintenance of the oral function, comfort, appearance and health of patients with clinical conditions associated with missing or deficient teeth and/or oral and maxillofacial tissues,” said Gentile, adding that to accomplish optimal care she utilizes many familiar facets of dentistry like crowns, bridges, implants, dentures. “It is utilized in a more comprehensive approach than regular general dentistry.” After receiving her bachelor’s degree in science from Stony Brook University, Gentile spent another four years at Stony
Brook School of Dental Medicine, earning her doctorate in dental surgery. From there, she completed a general practice residency at Long Island Jewish
‘‘
The longer a person waits for tooth replacement, the more difficult the task becomes and less optimal the outcome becomes.
’’
–Donna Gentile, DDS
Medical Center in New Hyde Park and completed an additional three year post graduate education program specializing in prosthodontics at New York
Hospital Queens. “Upon graduation, I obtained an attending position at Peninsula Hospital Medical Center in Far Rockaway,” she said of the hospital, which has since closed, “I currently hold attending positions at Stony Brook School of Dental Medicine and Interfaith Medical Center in Crown Heights Brooklyn.” Gentile is associated with several private dental practices in Nassau and Suffolk County. A Massapequa native, Gentile decided to build her business close to home, opening her own private practice in her hometown community. “I am lucky to be located in an area that is close to many other medical and professional offices and I enjoy the sense of community that exists amongst my neighbors,” said Gentile, who enjoys meeting residents and prospective new patients at town outings and festivals. “This year I have the great honor of sponsoring the Massapequa High School Varsity football team. I hope they have a great season.”
JOIN THE FIGHT FOR ALZHEIMER’S FIRST SURVIVOR.
At the Alzheimer’s Association Walk to End Alzheimer’s®, people carry flowers representing their connection to Alzheimer’s — a disease that currently has no cure. But what if one day there was a flower for Alzheimer’s first survivor? What if there were millions of them? Help make that beautiful day happen by joining us for the world’s largest fundraiser to fight the disease. September 15 | Eisenhower Park, Westbury, NY | 9 a.m. September 23 | Belmont Lake State Park, North Babylon, NY | 9 a.m. October 14 | Suffolk County Farm, Yaphank, NY | 9 a.m. Join Honorary Chair Bud Harrelson (Mets legend and co-owner of the LI Ducks) on September 23!
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23 SENIOR LIFE • JULY 18 - 24, 2018
Donna Gentile, DDS, (second from left) and her team If a patient is seeking care from Gentile, chances are they have already suffered from periodontal disease, chronic tooth decay or have experienced some sort of dental trauma. For healthy dental care, she recommends the basics such as brushing and flossing regularly, avoiding sugary drinks and not smoking to prevent tooth decay. Gentile also highly emphasizes that regular visits to the dentist for a checkup and professional cleanings are a must for good oral
(Photo courtesy of Gentile Dental Care)
hygiene. “Address harmful habits like tooth grinding and clenching early before extensive irreversible damage sets in. If you end up losing some or all of your teeth, replace them,” she said, noting that people who try to suffice with limited oral function has negative effects on their overall health. “The longer a person waits for tooth replacement, the more difficult the task becomes and less optimal the outcome becomes.”
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Many patients prefer Gentile Dental Care not only because of the specialization to prosthodontics, but because the practice participates in many insurance plans, which is crucial for elder patients. “People like the way they are treated here,” said Gentile of taking the best care of her patients. “My staff and I go above and beyond to make patients feel comfortable in what is typically an uncomfortable environment.” Gentile Dental Care is located at 89 Grand Ave., Massapequa. For more information or to book an appointment, call 516-639-6975 or visit www. gentiledentalcare.com.
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SENIOR LIFE • JULY 18 - 24, 2018
The Big Three
What retirees should consider when renting or owning a home BY ERIC KEARNEY specialsections@antonmediagroup.com
often, these household repairs mean calling in a professional at a sometimes exorbitant cost. When you rent, it’s up to the landlord or the property management company to take care of the repairs.
When retirement time comes, rethinking the American dream of home ownership could be in order. Sometimes renting a house or apartment is the better bet both financially Mobility and in terms of the retiree’s changing Selling a house can be a long and lifestyle and health. complicated process, and you never As you get older, you need to think know what the market might be like about such issues as when the time arrives. whether you can keep Whereas breaking a lease mowing the lawn or is much simpler. If your handling other day-to-day children are scattered all chores that homeownerover the country, you may ship requires. If you must want to move closer to one hire someone to do them of them. Also, if your health for you, how much will that takes a turn for the worse, Eric Kearney eat into what may already be selling a home can be a a tight monthly budget? significant burden on your family. Some things retirees should think The Inheritance about as they ponder the own versus For many people, a house is the rent question include: most valuable asset in their estate and Maintenance they might want to leave it to their children in the will. Once again, it’s a Issues matter of weighing the pros and cons. When you own a home, every leaky faucet, electrical problem or faulty ap- Having a home to pass down to the children is a noble gesture, but it is not pliance is yours to handle as best you can. If you can do it yourself, great; but always feasible. Before considering
whether owning or renting is the right option,” Kearney says, “it’s essential to review all the intricacies of your situation and decide based on your finances and your overall health and well-being. Eric Kearney (www.erickearneyadvisor.com) is an investment advisor for Retirement Wealth. He has been
helping clients reach and maintain their financial goals for more than 16 years. Kearney co-authored a book with Forbes Media Chairman/Editorin- Chief Steve Forbes, Successonomics. His professional licenses include a Series 65, Series 7 Securities License and a Life and Health Insurance License. He teaches successful pre- and post-retirees wealth management courses.
Published by Anton Media Group KARL V. ANTON, JR. Publisher, 1984–2000 Angela Susan Anton Editor and Publisher Frank A. Virga President Shari Egnasko Director of Sales Administration Steve Mosco Editor In Chief Betsy Abraham Senior Managing Editor Jennifer Fauci Managing Editor, Special Sections Robin Carter Director of Production Alex Nuñez Art Director Iris Picone Director of Operations Joy DiDonato Director of Circulation Linda Baccoli Director of Business Administration
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Ease Your Family’s Worries During a Difficult Time. With a Sinai Chapels funeral pre-arrangement, your family is relieved of making funeral arrangements at a most difficult time. For four generations, we have served New York’s Jewish Community. Our experienced funeral directors will personally guide you through the options and help you organize a pre-need plan.
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SENIOR LIFE • JULY 18 - 24, 2018
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26 SENIOR LIFE • JULY 18 - 24, 2018
RETIREMENT LIVING RIGHT NEXT DOOR LIMITED OPENINGS AVAILABLE—SCHEDULE YOUR PERSONAL TOUR TODAY.
Located in the heart of Long Island’s Gold Coast, The Amsterdam at Harborside is a not-for-profit continuing care retirement community which offers the best of independent living with assistance and healthcare if ever needed, all under one roof. With close proximity to Manhattan’s culture and a full agenda of on-site opportunities, you can be as engaged or relaxed as you want to be! Options include Independent Life Care as well as the opportunity for rental when you move directly into Assisted Living or Memory Support. Is The Amsterdam at Harborside right for you? Come visit our warm and connected community today to find out.
Call 516-858-4866 to schedule a personal tour!
300 E. Overlook, Port Washington, NY 11050 www.TheAmsterdamAtHarborside.com Operated by Amsterdam House Continuing Care Retirement Community Inc., a not-for-profit organization. 188816 D