Life beyond age 65 brings its own set of challenges and considerations. It’s important to plan for various aspects of life to ensure a fulfilling and secure retirement. Here are some of the most important factors to consider:

• Financial Security: Ensure you have sufficient retirement savings to maintain your desired lifestyle and cover healthcare expenses.

• Healthcare and Long-Term Care: Health becomes increasingly important in later years.

• Social Connections: Maintain and nurture your social connections. Loneliness can have adverse effects on mental and physical health.

• Mental Health: Pay attention to your mental health. Issues like depression and anxiety can affect older adults.

• Physical Well-Being: Continue to prioritize physical health. Regular exercise, a balanced diet, and preventive healthcare measures are crucial for maintaining vitality and independence.

• Housing and Living Arrangements:  Evaluate your current living situation and explore housing options suitable for your needs as you age.

• Legacy and Estate Planning:  Plan for your estate and legacy. Ensure your will, trusts, and beneficiaries are up-to-date.

• Hobbies and Interests: Pursue hobbies and interests that bring you joy and fulfillment.

• Volunteer and Community Engagement: Consider giving back to your community through volunteering or mentoring.

• Travel and Leisure: If travel is a goal, plan for it. (I offer travel insurance.)

• Legal and Financial Planning: Review legal documents like powers of attorney and advance healthcare directives.

• Tax and Income Optimization: Understand the tax implications of your financial decisions and explore ways to optimize your income and tax strategy during retirement.

• Technology and Digital Literacy: Stay current with technology. This can help you stay connected with loved ones and access essential services and information.

• End-of-Life Planning:  Consider your preferences for end-of-life care and communicate them with loved ones.

• Insurance Coverage:  Review your insurance policies, including health, life, and long-term care insurance, to ensure they align with your current needs and circumstances.

Planning for life beyond age 65 requires thoughtful consideration of these factors, along with flexibility. If a review of your Medicare coverage is needed, I can help.

Lisa Asmussen 303-887-8584 • Lisa@headwatershw.com

We do not offer every plan available in your area. Currently we represent 10 organizations which offer 106 products in your area.Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.