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

website

Author Insight

Is 'Average' a Good Thing?

Well, it depends. When it comes to Social Security and its role in retirement planning, the answer isn't simple. For people who rely on Social Security as a significant part of their retirement income, "average" can mean different things depending on their unique financial situation. Even seasoned financial professionals can find it challenging to predict Social Security benefits with any degree of accuracy. But the more you know…..So, I’m currently pursuing my RSSA certification and let me tell you—it’s eye-opening. It reveals just how complex the Social Security system really is and how critical it is for both financial advisors and their clients to fully understand it. The takeaway? Whether you're a financial pro or someone preparing for retirement, it’s essential to either put in the work to educate yourself or connect with a specialist who knows the ins and outs of Social Security. For a deeper dive into how earnings can impact your benefits, check out this detailed explanation from the SSA: https://www.ssa.gov/policy/docs/program-explainers/retirement-earnings-test.html

Book Excerpt

How Not To Pull Your Family Apart

When Social Security was launched in 1935, you had to be sixty-five years old to qualify for full retirement benefits. Back then, you could say that the actuaries got it right since the average life expectancy was sixty-two years. However, life expectancies have steadily increased, resulting in a financially stressed system. Additional changes to the Social Security program are likely.

Currently, full retirement age is increasing incrementally from sixty-six years to sixty-seven years and is likely to be pushed further out. However, currently a worker may begin receiving Social Security retirement benefits as early as age sixty-two. By claiming before full retirement age, monthly benefits will be permanently reduced by as much as thirty percent.

There are many aspects of the Social Security program that we could cover, but that is beyond the scope of this overview. There are numerous websites, articles, agents, and specialists available for personalized advice.

So, does relying on Social Security income impact the Jones grandparents’ self-funding option?

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Carroll S Golden

How Not To Pull Your Family Apart

Synopsis

Author Biography

Author Insight

Is 'Average' a Good Thing?

Book Excerpt

How Not To Pull Your Family Apart

Comment on this Bubble