How Not To Pull Your Family Apart

Parenting & Relationships

synopsis

Synopsis

"Carroll weaves her vast experience in long term care insurance and personal insights into the MUST-READ book! It is jam-packed with helpful information families and professionals need to know in order to make informed decisions about aging planning." —Annalee Kruger, President of Care Right Inc., and author of The Invisible Patient: The Emotional, Financial, and Physical Toll on Family Caregivers

Who’s going to be the physical, emotional, and financial caregiver in your family (no matter how you define family)? Few of us understand or are prepared for the breadth of lifestyle implications that come with that role. On the flip side, what if it’s you that needs care?

Meet the Jones family, a multigenerational example of how it all works in the real world. Follow Jodi and her family as they suddenly must deal with her parent’s extended care needs. Tension, guilt, and a lack of information start to impact Jodi’s health, happiness, job and family, relationships. Follow along as this multigenerational family uses my three-step process to create a Care Guide, a Care Squad, and a Care Planning Team. Learn how to establish a framework to start and continue conversations, minimize tension, and gain an overview of several planning options to fit almost any budget so you’re ready for tomorrow.

bio

Author Biography

Carroll S. Golden, CLU, ChFC, FLMI, CASL, LACP, LTCP, CLTC, is an executive, author, and pubic speaker whose focus is working with agents/advisors and caregivers about opening family discussions and planning for extended care needs. Currently, she serves as the Executive Director of the National Association of Insurance and Financial Advisors (NAIFA) Specialty Centers. She is dedicated to helping professionals and families create and fund a plan for extended care by providing actionable information, guidance, effective strategies, expertise, and resources. Following Carroll’s text-book for professionals, “How Not To Tear Your Family Apart,” her second book, an Amazon #1 Best Seller story-book, “How Not To Pull Your Family Apart” encourages individuals and families to identify with the story’s characters, overcome the silence, and engage in these important discussions. Carroll can be reached at carroll@thecaringconversation.com

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Author Insight

What example are you setting?

According to a new TIAA study, half of Americans spend less than one hour a week on their finances, but more than four hours on social media. Of any age group, millennials–and especially men – are spending the most time managing their finances. Thirty-nine percent of millennials say they spend four or more hours a week managing their finances, compared to just 25% of Gen Z respondents and only 7% of baby boomers. Men are nearly twice more likely than women to spend four hours or more a week on their personal finances (30% vs. 16%). What about financial wellness checkups? Look to the younger generations again. More than half of respondents under 65 say they are interested in a financial wellness checkup, compared to just 30% of those over 65. The most preferred method of meeting for a financial wellness checkup is in person (26%). Financial services providers’ online tools come in as the most trusted resource for information (63 %), but one in five say social media content is also a go-to resource. Remember that children learn more by watching their parents behavior than by the instructions parent bestow on them! What example are you setting?

Book Excerpt

How Not To Pull Your Family Apart

“I think you now understand why a redo of the three steps for us is, well, simply smart,” says Jodi. “Financial preparedness for living longer is more than a simple math problem. Here’s how we will move forward. We will review with our advisor the potential impact of longevity on our retirement, especially on my side. We will carefully review how and when we figure in Social Security benefits, our pension funds, and various investments, housing, and cost-of-care estimates. Neither one of us wants to cause the other an unduly limited lifestyle by depleting our resources due to extended or long-term care needs. As you know, Jackson and I have completed Step One. We each created our own Care Guide. Next, we will lay out our Care Squad and get back to you. Love you,” she says and finishes the call.

The key to avoid exhausting even the largest emergency funds is to plan in advance. The biggest advantage of advance planning is that it opens up a pretty robust list of possible options.

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Carroll S Golden

How Not To Pull Your Family Apart

Synopsis

Author Biography

Author Insight

What example are you setting?

Book Excerpt

How Not To Pull Your Family Apart

Comment on this Bubble