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offers a vibrant, beautifully designed community with a continuum of care to support every need.
Retirement living in northern Colorado is about to be transformed with the introduction of The Gallery at Fort Collins. Set to open late 2025, The Gallery offers a crafted, holistic approach to senior living, blending an array of care options—from independent and assisted living to Memory Care—while celebrating the creative spirit of its residents. Priority deposits are now being accepted, offering exclusive early access to a one-of-a-kind experience designed to nurture the individual stories of its members.
Opening late 2025, The Gallery at Fort Collins offers a vibrant, beautifully designed community with a continuum of care to support every need.
Discover Elevated Senior Living in Fort Collins
RETIREMENT
Located in a vibrant corner of Fort Collins, The Gallery is more than just a place to live; it's an invitation to create, connect, and thrive.
“The Gallery at Fort Collins is designed to be a masterpiece of thoughtfully planned spaces and community-centered experiences,” says Bryan Sanchez, Sales Director. “Our residents will be able to explore their creativity, engage in rich cultural experiences, and enjoy a lifestyle that nurtures both body and mind.”
LIVING IN northern Colorado is set for a transformation with the upcoming Gallery at Fort Collins, opening in late 2025. Offering independent living, assisted living, and Memory Care, The Gallery blends modern comfort with creativity, fostering an engaging lifestyle for residents. Priority deposits are now open for those seeking an enriching senior living experience.
A Canvas for Every Story
A Canvas for Every Story
Everything at The Gallery is designed to foster individuality and a sense of belonging. Nestled in the heart of Fort Collins—a community where art, nature, and culture converge—The Gallery offers thoughtfully designed spaces that blend modern comforts with timeless style. These inviting spaces encourage creativity to flow, whether you're relaxing in a lush garden, participating in a watercolor class, or attending an expert-led lecture. Every detail has been crafted to cultivate a vibrant, dynamic lifestyle.
transportation services adds extra convenience. Residents can unwind in the outdoor courtyard, enjoy arts and crafts classes, or explore local artist installations. With large living quarters, housekeeping, and landscaping services, The Gallery offers a maintenancefree lifestyle. The location also provides easy access to I-25 and Denver International Airport, perfect for those seeking both convenience and connection to nature.
needs. From themed dinners to holiday celebrations, meals are crafted with care. Gluten-free, lowcarb, and low-sugar options ensure all residents enjoy a full range of flavors. Select apartments also feature kitchens or kitchenettes for those who love to cook.
be available, allowing every resident to enjoy the full range of flavors. For casual gatherings, the casual bistro provides plenty of spaces to connect.
Life-Enriching Memory Care
Life-Enriching Memory Care
For those who prefer to cook, select apartments feature full kitchens or kitchenettes, allowing residents to create meals in their own time.
Designed for Every Stage of Life
Independent Living in the Heart of the Rockies
In Fort Collins, residents can immerse themselves in local culture, savor culinary delights, and explore art galleries that stir the imagination. Nearby, premier golf courses, hiking trails, and breathtaking vistas await, offering endless opportunities for outdoor recreation in the heart of Colorado’s Rocky Mountains.
The Gallery fosters individuality and belonging, situated in a city rich in art, nature, and culture. Thoughtfully designed spaces encourage creativity, whether through watercolor classes, expertled lectures, or time spent in lush gardens. Modern comforts and timeless style combine to cultivate a vibrant lifestyle.
A Culinary Experience That Feels Like Home
Dining is a highlight at The Gallery, with a chef-led team curating fresh, nutritious meals tailored to dietary
Residents will enjoy a range of world-class amenities, including a casual bistro, cocktail bar,
Memory Care at The Gallery provides a nurturing environment tailored to cognitive needs. With opportunities for social interaction and planned activities, residents receive personalized support in a secure, engaging setting.
Enter a nurturing and dynamic community where key details are thoughtfully cared for. From delightful culinary experiences and attentive housekeeping to reliable transportation, and maintenance, our dedicated team ensures you can fully immerse yourself in creating lasting memories and enjoying life to its fullest.
A Place to Thrive with Care Always Nearby
Everyone's journey is unique, inspiring our care team to adjust and understand each person's strengths and abilities. Cognitive challenges can affect everyday life, highlighting our dedication to creating opportunities for social interaction and participation both planned and impromptu activities. We emphasize the importance of honoring and respecting every individual as a cherished member of our community.
The Gallery’s Independent Living community caters to active older adults who cherish community connections and outdoor adventures. Nestled in the foothills of the Rockies, residents have easy access to hiking trails, scenic vistas, and golf courses.
Every experience at The Gallery will inspire joy, from concerts that bring music to life to thoughtfully curated cultural outings. With an activity calendar brimming with 60 to 80 events a week, the possibilities for connection, selfexpression, and adventure are endless.
Independent Living in the Heart of the Rockies
Assured Support in Assisted Living
A Culinary Experience That Feels Like Home
For those needing additional support, Assisted Living offers individualized care, including help with daily activities like medication management and dressing. The compassionate care team ensures residents receive the assistance they need while maintaining independence.
The Gallery offers a dining experience that’s as exceptional as the community itself. With a chef-led team, residents can
Discover the freedom of Independent Living designed for vibrant older adults who enjoy an active lifestyle and cherish community connections. Nestled in the foothills of the Rocky Mountains, The Gallery at Fort Collins offers easy access to nature's treasures, including hiking trails, mountain streams, scenic vistas, and plenty of golf courses. As your needs evolve, our team makes sure you continue to enjoy worry-free Independent Living.
Safety and security are at the core of The Gallery, with 24/7 emergency response services and a comprehensive care model that allows residents to age in place. “Our team is committed to supporting each resident’s unique journey,” says Executive Director Deedra Moats.
A Place to Thrive, with Care Always Nearby
Safety, security, and peace of mind are integral to life at The Gallery at Fort Collins. Residents will have access to 24/7 emergency response services, ensuring they feel supported and cared for every day. The Gallery’s comprehensive care model allows couples and individuals to age in place, with support tailored to their changing needs.
For more information, tours, or early-access opportunities, visit Galleryatfortcollins.com or contact Bryan Sanchez at bsanchez@ eslliving.com or 970-722-8885.
Deedra Moats, Executive Director, notes, “Our team is committed to supporting each resident’s unique journey. Whether they are enjoying the vibrancy of independent living or receiving the specialized care they need, we are here to provide the resources that allow them to live their best life.”
For more information about
The Gallery at Fort Collins,
The Gallery at Fort Collins is anticipated to open it’s doors by late 2025. (Rendering courtesy: Experience Senior Living)
RENDERING COURTESY OF EXPERIENCE SENIOR LIVING
20 • FEATURE Get social outdoors
Find companionship and get fit while having fun outside. Walk or hike with a group, try an all-level sports league or join an outdoor hobby club.
24 • FEATURE
Planning for driving retirement
As we age our driving skills can change due to physical and cognitive disabilities. Should we modify our driving— avoiding busy streets and intersections, longer drives? Make a plan so you are ready when the inevitable happens. Find out about driving alternatives in NOCO.
Explore, Learn, and Connect
Enrich Your Life with Aims Continuing
Education
Have you ever wanted to speak Japanese?
Plant a thriving garden?
Train your dog? Aims
Community College
Continuing Education has you covered with a wide range of affordable classes for anyone in Northern Colorado. Courses are offered online and in Greeley, Loveland, Windsor, or Fort Lupton. Whether you want to start a new hobby, stay physically active or pick up a new skill, Aims Continuing Education has a class for you. People enjoy continuing education classes because they can fulfill personal enrichment needs and desires,” said Aims
Continuing Education Program Manager Rina Mitchell. “You can learn something new and meet new people.”
Many classes are available for you to explore your creative side. Play in mediums like paint, ceramics, yarn, metal and wood. Learn how to use that digital camera to take professional-
aims.edu GREELEY
looking photos of your family and friends. Master the art of country swing or country line dancing with a partner, or meet someone new in class. Aims even has creative writing and poetry courses that can lead you back on track if you want to finish that novel.
Fitness classes are another popular staple of continuing education programs. Staying active is the key to staying healthy and vibrant. Courses in Pickleball, Fun and Fit over 50, and Senior Yoga can get your body moving.
Mitchell is excited about the variety of opportunities and options that Aims provides. “We can offer unique things that are outside the realm of what’s expected,” she said. These classes focus on new age and alternative beliefs. These courses can introduce you to the power of astrology, numerology, palmistry, reading tarot cards and more.
Another new segment of classes is those in the area of personal wellness, with sessions
focused on topics such as intermittent fasting and healthy digestion. You can also dig into the benefits of herbalism and alternative forms of medicine. “These are classes that you’re not going to get everywhere,” Mitchell said.
Aims also provides learners with continuing education opportunities to upskill and keep up with the ever-changing workforce. This includes learning computer skills and software, obtaining leadership strategies, and taking small business classes.
Continuing education classes are low-pressure and foster a relaxed environment. “Explore and come learn with people just like you,” Mitchell said. “Get out in the community, find a new passion and make new friends.”
Registration for Spring 2025 classes is now open. Visit aims.co/continuing-ed-courses to browse the array of options available to the entire community.
Being here From the Publisher
IT IS VERY HARD TO BE PRESENT for our people and everyone else, especially when there are so many ways to be easily distracted. And we like to be distracted. A lot of that has to do with our own struggles as we try to get through every day. We all have challenges—health, money, relationships, caring for others, substance challenges, school and work conflicts and on and on. Much of the time, we need a break, so we turn on the TV or we start scrolling our favorite social media, or we get lost in a book or we get sucked into the news, whatever it is that takes our attention away from here and now relieves some of the stress from our immediate situation.
The problem is that our current situation includes our family, spouse and friends. Although we don’t really mean to, we’re escaping from them too when we take our break. So instead of being right there with our people, who are sitting right next to us, we’re off in the Caribbean with some friends of friends on a kayak excursion, or we’re getting outraged at something some politician said (that was probably taken out of context and was presented to instill maximum anger, and now we’re not just distracted, but we’re angry too.)
Even if we don’t have a device in our hands, we have very busy minds that jump from this to that to the other thing and although we might be nodding and minimally engaging, we’re not really there because we’re thinking of how we forgot to pick up that package of burger at the store and now what are we going to do for dinner or we’re trying to put the afternoon schedule together in our head and make sure we get back for our programs.
It’s hard to get on to bigger things like empathy, understanding and generosity when we’re distracted. We all have these things in us, but sometimes we let them go dormant.
The basic groundwork for that is being present and engaged so that we can communicate these advanced ideas through our actions and words. I’m not usually a sports-metaphor person, but here we go. We need to nail the blocking and tackling before we can execute more advanced offensive and defensive plays.
Being present and engaged in an intentional way is that blocking and tackling. So, let’s set down our phones, turn off the TV and computer, clear our minds with a few deep breaths and make a commitment to be there completely for our people. They notice!
Thanks for being here for me.
Scott
Fifty & Better is a publication of Rocky Mountain Publishing, Inc.
Copyright 2025 Rocky Mountain Publishing, Inc., PO Box 740, Fort Collins, CO 80522. 970-221-9210. All rights reserved. Reproduction in whole or part without written permission is strictly prohibited.
OUR COMMUNITY PARTNER:
Better Home
Linda L. Osmundson
Senior Active Communities
SENIORS HAVE MANY OPTIONS when deciding to downsize or move to a senior community. Find everything from active senior communities to skilled nursing to end-of-life care. Following are some examples of what is available locally.
Resident Charlotte Sitzer of 55 Resort (https://55resortwindsor.com/) says, “I found it easy to meet people through the many activities—exercise classes, crafts, cards, games, coffee and Friday Happy Hour.”
“We allow seniors the opportunity to stay independent as long as possible,” says Manager Rebecca Stoker.
Discover within the three-story complex
located in Windsor’s Water Valley, apartments ranging from 608-1177-square feet. Rent includes utilities, cable TV, WiFi, internet, water, sewer, trash and washer/dryer. Apartments start at $2150 for a one-bedroom and rise to $3950 for two bedrooms/two baths with study. A refundable deposit of $850 is required. Add monthly cost for detached/ attached garages, storage rooms, a second person and pet rent. The pet deposit is refundable.
With an average age of 75, many residents still drive and provide carpooling for small excursions; larger excursions require hired buses.
Charlotte adds, “The best part of living at 55 Resort is my apartment and the wonderful staff.”
Assisted living at its best
WHEN HOME OWNERSHIP burdens you and/or health requires extra help for everyday activities, consider a move to one of 44 private assisted-living suites at the recently opened MorningStar Senior Living at Old Town (https://tinyurl.com/ s43zcc7r). MorningStar is committed to “promoting a healthy, engaged lifestyle while providing security and independence.” Residents enjoy resort-style activities, senior care & hospitality services and a committed staff. They partake of all amenities on floors 2-4—comfortable common areas, pool, fitness/business centers, spa, club room, theater, outdoor terrace and wine tasting.
Services, which maintain your independence, include assistance with activities of daily living, 24/7 care managers, access to licensed nurses/doctors and supportive services. Make new friends while enjoying onsite amenities, entertaining programs and chefs who make every meal a special occasion yet cater to your dietary needs. Within walking distance, enjoy restaurants, shopping, entertainment. Medical doctors and UCHealth’s Poudre Valley Hospital are a few miles away.
Continuum care—worry-free senior living
AN ADVANTAGE OF continuum care is the resident stays within the confines of the same community from independent living to death. Other facilities may offer independent living, assisted living and memory care. But, if resident requirements extend farther than the facility is equipped to handle, they suggest a move to skilled nursing or nursing home facility. Columbine Health Systems provides continuum care allowing a resident to avoid a move.
Nursing homes and sometimes skilled nursing focus on necessities of long-term daily living—dressing, bathing, medication management and feeding, those requirements of disabled or dementia patients.
Columbine’s continuum care also provides services for short/ long term, 3 days or more respite, Palliative, Hospice and endof-life care. They provide stores with a wide range of necessary medical equipment for rent or purchase in both locations. Live your senior life fully and worry free in continuum care.
Better Health
Lea Hanson
Find a walking crew
INCORPORATING DAILY WALKS into your routine offers numerous physical and mental health benefits. Regular walking improves cardiovascular health, strengthens muscles and bones, and boosts balance and coordination, which can help reduce the risk of falls. It also supports mental well-being, reducing symptoms of depression and anxiety while enhancing mood and cognitive function.
You can find walking groups for seniors in Northern Colorado through Meetup, the Fort Collins Senior Center, and the City of Fort Collins. Walking with a group provides additional benefits, including social interaction, motivation, and accountability. It also offers a sense of security, as there’s help nearby in case of emergencies. Group walks foster companionship, which combats loneliness, and can turn walking into an enjoyable, shared experience. By planning wisely and walking together, you can stay active, stay safe, and maintain a higher quality of life.
Meetup
• Nature Lovers Hiking Group for Active Seniors: A group that organizes hikes in natural areas and state parks. https://www. meetup.com/fort-collins-easy-and-moderate-hikes-meetup/
• Fort Collins Senior Center
Offers fitness programs, social gatherings, and recreational activities for seniors aged 50 and over.
• City of Fort Collins
Co-hosts walking and biking tours. The City of Fort Collins and FC Moves supports walking as a safe, easy and convenient travel option for all ages and abilities.
PROPER PLANNING IS KEY to ensuring safety and effectiveness. Choose safe routes, wear proper footwear, and stay hydrated to avoid injury or exhaustion. When you go on long walks, it’s essential to bring a few key items to ensure your safety, comfort, and well-being.
• A water bottle is crucial to stay hydrated, especially in warm weather.
• A hat and sunglasses help protect against the sun’s rays and prevent heat exhaustion.
• Comfortable shoes with proper support are vital to avoid blisters and foot pain.
• A cell phone ensures access to help if needed. Those who location share will also feel safe knowing friends and loved ones can see their location, if they are concerned.
• A small first-aid kit can address minor injuries or blisters. It’s also wise to carry extra prescription medicine, if necessary, especially for chronic conditions.
• A light jacket or sweater can be helpful in case of changing weather.
• A walking stick or brace provides stability for those who need extra support.
• Having these items ensures the walk remains enjoyable, safe, and well-prepared for any unexpected situations that may arise.
PROPER SHOES ARE ESPECIALLY important for seniors when walking or hiking because they provide essential support and stability. As we age, our balance and flexibility can decrease, making seniors more susceptible to slips, trips, and falls. Shoes with good arch support, cushioning, and a non-slip sole help reduce the risk of injury by stabilizing the feet and absorbing shock. Hiking or walking on uneven terrain can be challenging, and shoes with ankle support can prevent sprains or strains. Additionally, comfortable shoes that fit well reduce the risk of blisters and foot pain, allowing you to walk longer without discomfort. Poorly fitted or unsupportive shoes can exacerbate existing conditions like arthritis or flat feet, making movement difficult and painful. By investing in proper footwear, seniors can enjoy walking or hiking with greater confidence, comfort, and safety, maintaining an active lifestyle while protecting their health.
Linda Osmundson
A day along the Cache la Poudre River
SEVERAL “VISIT NORTHERN COLORADO” WEBSITES list the two most popular outdoor excursions as Horsetooth Reservoir and Cache la Poudre River. The Poudre is Colorado’s sole Wild and Scenic River. Its 76 miles of waterway begins in Rocky Mountain National Park and flows through Fort Collins to join the South Platte outside of Greeley. Recreational sections allow visitors to whitewater raft, tube, kayak or fish. The Mishawaka sits beside the river’s bank, provides outside seasonal
concerts, indoor lounge and a fullservice café.
If you’d rather stay on land, hike, bike or drive along the banks, pull over and watch the rafters or simply relax while listening to the river’s flow. Consider a visit to Cache la Poudre River National Heritage Area, which stretches 45 miles along the river. Preserved by the Poudre Heritage Alliance, the alliance provides maps and directions for taking your own walking, driving or biking tours.
Masks—a must-see exhibit
“MASKS (https://moafc.org/masks/) is both an exhibition and fundraiser for the museum,” says Executive Director Lisa Hatchadoorian. For this 21st year’s exhibition, the Museum of Art Fort Collins handed out 225 masks of the 372 applicants in five forms. “People from every corner of the community apply and being an artist is not a prerequisite; we work with PSD schools and other children’s nonprofits for student participation as well as community.” All sorts of decorated forms (2D, 3D) make up the MASKS exhibit.
Artists pay no fee to enter; the museum absorbs the cost of producing the clay masks. First, second and third place People’s Choice prizes of gifts or artists’ perks are awarded. If space allows, unsold masks remain in museum storage for future sales. Otherwise, they are returned to the artists.
The online auction and exhibition at the museum runs April 4-June 6th. MASKS provides affordable art to begin your art collection.
See Bright Star at the dinner theater
INSPIRED BY A TRUE STORY
based on the folk tale of the Iron Mountain Baby, Steve Martin and Edie Brickell wrote and composed Bright Star. The Tony-nominated musical is set in the Blue Ridge Mountains of North Carolina during 1945-46, with flashbacks to 1923.
As a youth, a child was taken from literary agent Alice Murphy. When she meets a returning WWII soldier, she eventually finds a connection between them. In understanding her past, Alice finds the power to transform their lives.
The musical toured in 2016 for 109
productions. A high school edition of Bright Star was edited and performed, then later entered the International Thespian Festival in Lincoln, Nebraska. Long Beach, California’s Musical Theatre West eventually bought the rights along with costumes and sets which they lease to theater companies across the nation.
Bright Star opens at Candlelight Dinner Theater in Johnstown, April 10th through June 8th, starring Jennasea Pearce, https:// coloradocandlelight.com/. Make your reservation early.
Get social outdoors
Take a hike, play a sport, join a club
Katie Harris
THESE EARLY DAYS OF SPRING ARE the perfect time to get back outdoors, get back in shape, and get back to old friends (and maybe even make some new ones while we’re at it!)
Whether it’s working off the winter weight and exploring local terrain on a guided hike, meeting fitness goals while diving deeper into a favorite sport, or meeting new friends with similar interests in a hobby club, the Northern Colorado region is home to limitless opportunities to be active and social in the great outdoors!
Take a guided walk or hike
For the hiking enthusiast, Fort Collins’ Building on Outdoor Trail Stewardship (B.O.O.T.S.) program offers Monday morning hikes led by certified instructors. All hikes are local, and difficulty levels
range from easy to moderate. Upcoming trails include Coyote Ridge in Fort Collins, Bobcat Ridge in Loveland, and River Bluffs in Windsor, among others. In addition to enjoying exercise and socialization, hikers will learn about the principles of Leave No Trace and explore native flora and fauna. A one-time $65 membership fee is required for the spring session. For more information and to register visit the Fort Collins Recreator at www.fcgov.com/recreator/. If a light, educational walk is more your stride, Loveland Parks and Recreation offers volunteer-led walks throughout the season at local destinations. Take a guided bird watching walk at River’s Edge Natural Area on April 5th, enjoy a sunset walk at Boise Bend Natural Area on April 16th, or learn about natural history at Cottonwood Run Natural Area on May 24th. Visit
www.offero.cityofloveland.org for the full calendar of upcoming events and information on how to sign up.
Windsor Recreation offers guided hikes throughout the year, to locations throughout the region. Participants meet at Windsor Recreation Center and depart from there. Hike lengths vary but are typically close to three miles round trip. For a list of upcoming hikes and to register, check out the current issue of “Pelican Perch” at www.recreationliveshere.com.
Participate in an all-level sports league Pickleball leagues have taken off across Northern Colorado in recent years, with participants of every skill level joining in. The Windsor Pickleball Club reserves court time and hosts tournaments for its members throughout the year, and welcomes players beginner- through expert-level to join. Membership costs $25/year for individuals or $40/year for
couples. Email windsorpickleballclub@outlook.com to find out more or become a member.
Interested in road cycling? The Fort Collins Cycling Club provides year-round opportunities for participants of all ability levels to enjoy safe and social cycling. Individual memberships cost $35 per year, and include access to all rides and events, which take place multiple times each week. To learn more or to join visit www.fccycleclub.org.
Just about every golf course in the region hosts golf leagues for men, women and couples to get out on the green. Thanks to golf’s handicap system, players of all skill levels can compete against each other while competing against their own average score, creating opportunities to meet everyone else in the league while improving your golf stroke at the same time. Contact your local golf course for league information.
Join an outdoor hobby club
Garden enthusiasts can join Greeley’s chapter of the Colorado Federation of Garden Clubs, where experienced, amateur and aspiring gardeners alike can learn to garden in Colorado’s unique climate, swap growing tips, tour local gardens, help host an open-to-the-public plant sale and get to know fellow garden enthusiasts. The Greeley club meets on the bottom floor of FMS Bank, located at 2425 35th Ave, Greeley, on the third Wednesday of each month at 9:30am. Contact Debbie Martinez at 970-397-1415 or debmartinez. dm@gmail.com to learn more. For general information about the organization visit https://coloradogardenclubs.org/ garden-clubs/.
The Loveland Fishing Club’s website states, “Our basic purpose is to fish, but we’re easily distracted by the chance to work with youngsters or improve northern Colorado outdoor resources,” and that says it all! The club meets monthly at the Chilson Recreation Center in Loveland, plans regular fishing outings, hosts seminars and clinics,
and assists local agencies with fishing programs. From fly fishing to ice fishing, the group does it all, when they’re not busy volunteering at local fishing events. To learn more or sign up email lovelandfishing@gmail.com or visit http:// lovelandfishingclub.blogspot.com.
If you have a good dose of patience, decent organizational skills and a love of science, you’ll fit right in at the Northern Colorado Bird Alliance (formerly Fort Collins Audubon Society). This nonprofit club is dedicated to nature appreciation, conservation, education and restoration, with a focus on birds and other wildlife. A $20 annual membership helps fund programs, activities and publications for the Fort Collins chapter, but even non-members are welcome to join in on the organization’s frequent field trips to places like Pawnee National Grasslands, Bobcat Ridge, and the Poudre River, and to attend presentations on topics such as preventing bird-window collisions. To learn more, explore upcoming events or become a member, visit www.fortcollinsaudubon.org.
Make a plan for
NOCO options for seniors driving
GETTING OLDER IS inevitable, and most of us are pretty good at accepting the changes that come with aging, but the freedom to come and go as we please is one aspect that can be difficult to give up.
“We plan for retirement from work, and from so many other things in life, but retirement from driving is something that always seems to come as a surprise,” says Terri Cassidy with Fitness to Drive.
Cassidy and her team of occupational therapists help individuals with physical and cognitive disabilities and decline evaluate
whether it’s safe to continue driving and provide tools to keep them on the road safely for as long as possible. Oftentimes in the case of older adults, this means exercising what Cassidy calls a hybrid plan for driving retirement.
Make a plan
“If you’re finding yourself starting to self-restrict, whether it’s avoiding night driving or choosing routes that avoid unprotected left turns, lean into that,” says Cassidy. “Making decisions to drive only when and where you feel safe is going to
Katie Harris
retirement
keep you driving longer.”
The second step of the hybrid plan is to start exploring transportation alternatives when you need to go somewhere outside your comfort zone, whether it be traveling on the interstate, in bad weather, or after dark.
“Drive to familiar places that are close to home, but try an alternative for longer drives,” says Cassidy. “If you can start phasing out of driving and gradually getting comfortable with the other options that are out there, it will be a lot easier when driving retirement does come.”
Alternative transportation options specific to seniors
Ready to explore alternatives to driving? Northern Colorado offers a nice variety of no-cost and low-cost options for older adults.
Residents of Fort Collins and Loveland who are 60 or older can
take advantage of Senior Alternatives in Transportation (SAINT) shuttles for their transportation needs within the boundaries of their home cities.
SAINT is operated by volunteers and offers free rides to residents weekdays from 8am-4pm. Riders must be able to enter and exit the vehicle with only light arm or walker assistance. While the rides are provided free of cost, donations are appreciated. For reservations call 970-223-8604 or visit www.saintvolunteertransportation.org.
A similar service is offered to Weld County residents. 60+ Ride serves the entire county, offering no-cost rides weekdays from 9am-4pm for residents 60 and older. To learn more call 970352-9348 or visit www.60plusride.org/.
In Berthoud, residents have two options for transportation. Berthoud Area Transportation Services (BATS) provides rides within Berthoud and Loveland to adults 60 and older at no
cost. All BATS vehicles are wheelchair equipped. Rides must be scheduled before 4pm the day before the ride is needed by calling 970-532-3049 or visiting www.berthoud.org/159/ Berthoud-Area-TransportationService-BAT. Berthoud’s Rural Alternative for Transportation (RAFT) service provides rides to 60 and older adults in the Berthoud Fire Protection District. Volunteer drivers drive their own vehicles; therefore riders must register with the service and book their rides at least three days in advance. For more information call 970-532-0808 or visit www. berthoudraft.org.
Bussing options in NOCO
Two public bus systems currently operate free of cost in Northern Colorado. TransFort offers its farefree, Fort Collins fixed-route bus services Monday through Saturday.
In addition, TransFort offers dial-aride paratransit services for clients with disabilities. To learn more or book a ride visit www.ridetransfort. com. TransFort’s sister system, FLEX, offers fare-free bus services between Fort Collins and Boulder, with stops in Loveland, Berthoud and Longmont. To find out more visit www. ridetransfort.com/flex.
Greeley Evans Transit (GET) offers discounted rides for seniors around Greeley, Windsor, Fort Collins and Evans. Fixed routes are provided Monday through Saturday with additional call-a-ride services available after hours and on Sundays. One way fares cost $.75, while all day passes are available for $2.25. Visit www. greeleyevanstransit.com for a route map or to learn more.
The Bustang public bus system serves Fort Collins and Loveland, offering a fixed route between the two cities as well as down to Denver and Colorado Springs. Buses offer wi-fi and restrooms on board and run seven days a week, twelve hours a day. Ticket costs range from $0.75 per ride from Centerra to Berthoud, to $7.50 from Fort Collins to Denver, with 10-, 20-, and 40-ride tickets available at discounted rates. (www.ridebustang.com)
City of Loveland Transit (COLT) offers low-cost service within Loveland city limits. COLT’s current senior fare is $.60/ride or $25 for an annual pass. Visit www.lovgov.org/services/publicworks/bus-service for details.
Ride Shares
Those willing to shell out a little more
for the convenience of a private, ondemand ride might want to consider a ride share. In Northern Colorado, Uber and Lyft offer their services. Ride shares operate through websites and mobile apps, where anyone in need of a ride can book a contracted driver in his or her own vehicle to pick the rider up at their location and drive them where they need to go. Visit www.uber.com or www.lyft.com to book a ride.
Similarly, Z-Trip (formerly Fort Collins Yellow Cab) is a ride service which allows those in need of a ride to hail a taxi from the Z-Trip website (www.ztrip.com/northern-colorado/) or app, by calling 970-224-2222, or by hailing a Z-Trip cab on the street. Wheelchair accessible vehicles are available upon request.
Tariffs: The Trade War Telenovela No One Asked For
Ah, tariffs. The economic equivalent of adding hot sauce to your coffee— some say it’s strategic, others think it’s just going to burn everyone involved. Whether you love them, hate them, or just pretend to understand them at dinner parties, tariffs are shaping the way the U.S. does business with the world.
They’re meant to protect domestic industries, discourage foreign imports, and (in theory) boost American manufacturing. But like that New Year’s resolution to “go to the gym,” things don’t always work out as planned. So let’s break it down—with a little humor to keep you from dozing off.
What Are Tariffs, and Why Do They Exist?
Tariffs are taxes on imports. If a foreign company wants to sell its goods in the U.S., the government can slap a tariff on them, making them more expensive and (hopefully) giving American-made products an edge. It’s like a cover charge for entering the country’s market—except instead of a nightclub, it’s the global economy, and instead of music, there’s a lot of yelling about trade deficits.
Historically, tariffs were the U.S. government’s piggy bank before income taxes became a thing. Nowadays, they’re more like a trade policy Swiss Army knife—used to protect domestic jobs, retaliate against unfair practices, or just send a message (read: flex on international trade partners).
In theory, tariffs encourage Americans to buy domestic products. In reality? Sometimes that happens. Other times, companies just raise prices, consumers pay more, and suddenly your grocery bill makes you feel like you need a second job.
Tax Code Twists: The Plot Thickens
Since tariffs increase the cost of imports, they could encourage more domestic production, boosting company profits and tax revenues. But like that one friend who always “forgets” their wallet at dinner, things don’t always go as planned.
Here’s the issue: Many industries rely on imported materials to make their products. If tariffs make those materials pricier, production costs rise, and businesses pass those costs onto you—the consumer. So while the government might collect more tariff revenue, your wallet suffers. (Spoiler: Tariffs are not a coupon.)
Then there’s the revenge factor. Other countries hit with U.S. tariffs often retaliate with their own. That’s how you get a good old-fashioned trade war—where countries exchange tariffs like petty text messages in a bad breakup. And just like in
real breakups, it’s the bystanders (businesses and consumers) who suffer the most.
How the World Feels About Trading with the U.S. Now
Imagine you’re hosting a backyard barbecue. Everyone’s having a great time, then suddenly, you decide to charge an entry fee. At first, you’re making extra cash—until your neighbors start charging you to come to their cookouts.
That’s essentially what’s happening with U.S. trade relations. When the U.S. slaps tariffs on imports, other countries retaliate, making American products more expensive overseas. It’s less of a global marketplace and more like an awkward Thanksgiving dinner where everyone’s mad but still pretending to be polite.
A few examples of recent trade tensions:
• China: The U.S. has imposed tariffs on Chinese steel, electronics, and other goods. China responded by making American products—like soybeans and cars—more expensive for its citizens. Translation: U.S. farmers and automakers not thrilled.
1. Reuters, February 5, 2025 https://www.reuters.com/world/us/us-trade-deficit-widens-sharply-december-imports-hit-record-high-2025-02-05/?
2. Invesco, February 4, 2025 https://www.invesco.com/us/en/insights/tariffs-rattle-stock-markets-long-term-impact.html
3. Tax Foundation, February 6, 2025 https://taxfoundation.org/research/all/federal/trump-tariffs-trade-war/?
• Europe: The EU isn’t a fan of tariffs on European steel and aluminum. In return, they’ve made American whiskey, motorcycles, and jeans pricier. Yes, jeans. A full-blown denim crisis could be upon us.
Trending Economic News: Buckle Up, It’s a Rollercoaster
So, how’s the economy reacting to all this? In a word: chaotically.
imports may struggle. It’s a bit like deciding to bake your own bread after banning store-bought loaves—only to realize you don’t own an oven.
• Canada & Mexico: The U.S. has had trade disputes with its closest neighbors, leading to tariffs on agricultural products, auto parts, and more. The result? Higher costs for businesses and consumers on all sides.
• The U.S. trade deficit hit a record high of $1.2 trillion in 2024. 1 Turns out, just slapping tariffs on things doesn’t automatically fix everything— who knew? (Oh, right… economists.)
• The stock market is acting like a toddler on a sugar high. The S&P
The takeaway? Tariffs can shift global supply chains and force companies to find new trade partners. The U.S. might be trying to bring manufacturing back home, but in the meantime, businesses are navigating higher costs, uncertainty, and a whole lot of international side-eye.
500 went up 0.2% one day, then the Dow Jones dropped 0.4% the next. 2 Investors are watching tariff policies like it’s the season finale of a hit drama series.
• Treasury Secretary Scott Bessent says tariffs are about bringing manufacturing back to the U.S. 3 Great in theory, but companies relying on
Meanwhile, consumers are feeling the squeeze. Imported goods are more expensive, domestic alternatives might not be readily available, and businesses are adjusting their strategies. Even industries that should benefit from tariffs—like U.S. steel—can suffer if their customers (automakers, for example) get hit with higher costs.
Final
Thoughts: What’s Next?
Will tariffs ultimately help the U.S. economy, or will they just make everything more expensive? Are trade wars really “easy to win,” or is that just the economic version of famous last words?
While politicians and economists debate, the rest of us will be out here trying to figure out why our favorite foreign-made phone case now costs as much as the phone itself. And let’s not forget the unintended consequences— like higher prices on cars, appliances, and even basic groceries.
At the end of the day, tariffs are a bit like reality TV: dramatic, unpredictable, and affecting more people than they probably should. The only difference? We all have to live with the consequences.
Stay tuned—this trade drama isn’t over yet.
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This article is meant to be general and is not investment or financial advice or a recommendation of any kind. The opinions and other information contained in this article are subject to change based on the market or other conditions. Forward-looking statements are subject to numerous assumptions, risks, and uncertainties, which change over time. Actual results could differ materially from those anticipated in forward-looking statements. Please consult your financial advisor before making financial decisions.
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The Sky Lounge balcony will offer breathtaking views of the Front Range. (Rendering courtesy: Experience Senior Living)
Discover Elevated Senior Living
Opening late 2025, The Gallery at Fort Collins offers a vibrant, beautifully designed community with a continuum of care to support every need.
RETIREMENT LIVING IN NORTHERN COLORADO is about to be transformed with the introduction of The Gallery at Fort Collins. Set to open late 2025, The Gallery offers a crafted, holistic approach to senior living, blending an array of care options—from independent and assisted living to Memory Care— while celebrating the creative spirit of its residents. Priority deposits are now being accepted, offering exclusive early access to a one-of-a-kind experience designed to nurture the individual stories of its members.
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Independent Living in the Heart of the Rockies
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the possibilities for connection, selfexpression, and adventure are endless.
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Discover the freedom of Independent Living designed for vibrant older adults who enjoy an active lifestyle and cherish community connections. Nestled in the foothills of the Rocky Mountains, The Gallery at Fort Collins offers easy access to nature’s treasures, including hiking trails, mountain streams, scenic vistas, and plenty of golf courses. As your needs evolve, our team makes sure you continue to enjoy worryfree Independent Living.
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A Place to Thrive, with Care Always Nearby
Safety, security, and peace of mind are integral to life at The Gallery at Fort Collins. Residents will have access to 24/7 emergency response services, ensuring they feel supported and cared for every day. The Gallery’s comprehensive care model allows couples and individuals to age in place, with support tailored to their changing needs.
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Discover Elevated Senior Living in Fort Collins
Opening late 2025, The Gallery at Fort Collins offers a vibrant, beautifully designed community with a continuum of care to support every need.
RFor those who prefer to cook, select apartments feature full kitchens or kitchenettes, allowing residents to create meals in their own time. Designed for Every Stage of Life
etirement living in northern Colorado is about to be transformed with the introduction of The Gallery at Fort Collins. Set to open late 2025, The Gallery offers a crafted, holistic approach to senior living, blending an array of care options—from independent and assisted living to Memory Care—while celebrating the creative spirit of its residents. Priority
For more information about The Gallery at Fort Collins, to schedule a tour, or to learn about exclusive early-access opportunities, visit Galleryatfortcollins.com. To speak with a Gallery family advisor, contact Bryan Sanchez at bsanchez@eslliving.com or 970-722-8885.
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THE SPACE TO BE your best at any age!
Part ners in Medicare
There are more than a few myths about Medicare; when you should get it, how it should work, and what it covers. We meet many potential retirees and hear the myths repeated over and over. Google is not a great source for unbiased Medicare information. Medicare’s website is very comprehensive but understanding it can be challenging for those new to Medicare. Finding a trusted source for information particular to YOUR situation will be the most important task when you are nearing age 65 or past age 65 and planning to retire. Your trusted agent can provide you
details that assist you in making a very important decision for your future, one that will help you retain health and money. Qualifying for Medicare is determined by turning 65, Social Security disability pay of 24 months, End Stage Renal Disease or ALS diagnoses, or leaving creditable employer coverage. If working past 65 with creditable employer coverage, you can either elect Medicare, elect Medicare Part A, or delay Medicare Part A and B. The key to delay Medicare means your large employer coverage must be as good as Medicare’s
Our Team partners with you to make understanding your Medicare options as easy as possible.
Prescription coverage. An annual notice is provided to you from your group health administrator telling you whether your coverage is considered creditable or not. With legislative changes in the past two years, this may be more difficult for employers to maintain.
A myth that Medicare is free and covers almost everything when Medicare was never designed to cover everything is very common. Written in the 50’s and enacted into law in the 60’s there have not been many changes to that law. Medicare Supplements, Part D drug plans, and Medicare Advantage have all come about to fill the large gaps between Medicare coverage and the massive change to the cost of our medical care and prescription drugs.
The Inflation Reduction Act 2022 is helping consumers who have very high-cost medications by putting a cap on consumer spending. Yet until negotiations with Pharmaceutical companies are finalized and implemented there is a negative effect on the consumer as well. Right now, insurance companies are on the hook for the costs that Medicare is no longer paying as well as what consumer previously paid for prescriptions prior to IRA. This comes full circle back to the consumer with increased premiums for Part D plans both in 2024 and 2025.
For our agency, this means looking at how we can repackage insurance policies for our Medicare clients. Investigating creative ways to provide other coverages that Medicare ignores or in areas that individuals are more worried about; such as, dental vision and hearing, or where you would like to recover after a stroke, heart attack, or cancer…at home, in a facility, or a combination of both? This is all part of the service we provide you for no additional cost, as your partner and trusted agency in Medicare Health Plan solutions.
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Giving Back
Linda L. Osmundson
Two ways to volunteer
PEOPLE FIND MANY WAYS TO volunteer. Neighbors shovel widows’ driveways, share homecooked meals, run errands, serve as a handyman, provide transportation or just offer companionship. Volunteering can encompass a large or small job.
Friends Don Boyle and David Cornell both volunteer, but in different ways. Don loves to work with the Scouting America organization. David sees a senior’s need and he fills it.
Don Boyle started volunteering in scouting as his son went through the program. His young daughter completes the Cub program this February. “Scouting is an amazing program. It mentors youth and teaches them life skills.”
Don started with Cub Scouts. Through Cubs and Scouting America, his service included Assistant Pack Master, Den Leader, Treasurer, Assistant Scout Master, Scout Master, Merit Badge Counselor, Committee Chair. He helped set up and run summer adventure Cub Camps. “I’ve been with Scouts since 2006. I’ve trained and lead adventures for many Scouting programs and donated time with programs in China, Thailand, Nepal, the East coast and Fort Collins.”
He watched individual scouts grow from 10-years-old to their 18th birthday, then graduate to be a leader themselves. “To know they are becoming the leaders of tomorrow builds hope for the future of our world.”
Don also volunteers without an organization. He donates time to his church as part of the Welcome Team
and a youth religious teacher.
David Cornell volunteers when and where he sees a need. He discovered people in his church community needed transportation. He transports choir members to rehearsals and seniors to services. One friend, a traditional jazz enthusiast like David, needed transportation when he lost his driving privileges due to dementia. For jazz performances, David first filled in if others were unavailable but soon, he took over the job permanently. This same friend invited David to join a Tuesday lunch group and eventually drove them both to the restaurants. David also picked
him up for choir rehearsals even though the trip took him out of his way.
On a journey to Northern France, Southern England and Guernsey Island, David found himself in the company of three senior women. Even though a senior himself, David accompanied the women throughout their tours and cared for their safety. At the end of the trip, the women presented him with a plastic knight. “You have been ‘our Knight in Shining Armor.’”
Like Don and David, let your volunteer light shine whether through an organization or by serving your community’s senior needs.
