Senior Living Spring 2018

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8 ESSEX MEDIA GROUP SENIOR LIVING SPRING 2018 Wondering how to protect your assets? The Law Office of Julie Low can help The Law Office of Julie Low practices exclusively in estate planning and administration, elder law, and special needs planning. The firm designs customized, comprehensive will-based and trust-based estate plans to meet each client’s unique needs. Whether your goal is to protect assets from future long-term care costs, minimize estate taxes and administration fees, ensure a legacy for your descendants, provide for your needs in the event of incapacity, or protect and provide for a family member with special needs, the Law Office of Julie Low can design an estate plan that meets your objectives. Attorney Low opened her Beverly-based firm because she had a vision for the way law should be practiced — with a focus on the client instead of billable hours. She believes in creating an inviting, personable atmosphere where clients feel comfortable discussing very personal subjects. Attorney Low fully engages her clients in the design process, educating and guiding them to make informed decisions. The end result is a comprehensive plan clients understand, rather than a set of documents that have little personal meaning. The firm charges fixed prices instead of traditional hourly rates for estate planning. Ms. Low believes clients appreciate knowing the cost of services up-front and the open communication such an approach fosters. Client meetings are centered around important issues — not the clock — and are handled with a touch of lightheartedness, when appropriate, "because contemplating disability, incapacity or death is not a delightful or pleasant experience for most." Clients are invited to contact Julie, or a team member, with questions, without worrying about being billed for extra time. Daytime, as well as evening meetings, are available by appointment. One of the firm’s specialties is the creation of Long-Term Care Plans to help clients navigate the complicated regulations of Medicaid, Veterans Benefits, and other government programs. Because Julie is knowledgeable in planning for both types of Medicaid (traditional nursing home and the lesser known, but unbelievably beneficial, community programs), she reviews her clients’ options with an eye to all programs to ensure each plan provides later flexibility. In addition to being an accredited attorney with the Veteran’s Administration, Julie is a member of WealthCounsel, ElderCounsel, The National Academy of Elder Law Attorneys (NAELA), ElderLaw Answers and The Academy of Special Needs Planners. She graduated cum laude from Western New England University School of Law. In her free time, Julie volunteers with North Shore Elder Services’ Money Management Program, assisting local seniors with paying bills and budgeting, and on Northeast ARC’s Human Rights Committee. The Law Office of Julie Low provides complimentary workshops on the basics of Estate Planning and Long Term Care. In conjunction with a local Geriatric Care Manager, Julie has also produced a free and informative guide for navigating Long Term Care on the North Shore. Call the Law Office of Julie Low today to receive a copy, or to sign up for the next workshop. Elder Law Estate Planning Medicaid Planning Veterans Benefits Wills & Trusts Special Needs Planning Probate & Estate Administration For peace of mind, for those you love, estate planning! Tuesday April 3 6:30-8:30 p.m. Law Office of PLLC Estate Planning • Elder Law • Special Needs Receive a half-price, one-hour consultation after attending one of our estate planning workshops. Saturday April 28 10 a.m.-noon Saturday May 12 10 a.m.-noon Tuesday May 22 6:30-8:30 p.m. Saturday June 9 10 a.m.-noon Space is limited • Registration is required. Call today! 978-922-8800 4 Federal St., Beverly • www.lawofficeofjulielow.com Tuesday June 26 6:30-8:30 p.m.
SENIOR LIVING SPRING 2018 ESSEX MEDIA GROUP 9 Social Security: 'Rosie the Riveter' spirit lives on By Nicole Tiggemann TRIBUNE NEWS SERVICE "Rosie the Riveter" is an American icon representing women working in factories during World War II. These women learned new jobs and filled in for the men who were away at war. They produced much of the armaments and ammunition to supply the war effort. They also paid FICA on their wages, contributing to the Social Security program. These "Rosies" embodied the "can-do" spirit immortalized in a poster by J. Howard Miller. Both the image and the spirit live on today. If you asked Rosie about Social Security, she would use her rivet gun to drive home the value of Social Security for women. More Rosies work today, and nearly 60 percent of people receiving benefits are women. Women tend to live longer than men, so Social Security's inflation-adjusted benefits help protect women. You can outlive your savings and investments, but Social Security is for life. Women provide their own basic level of protection when they work and pay taxes into the Social Security system. Women who have been married and had low earnings or who didn't work may be covered through their spouses' work. Today's Rosie will turn her "can-do" spirit to learning more about Social Security and what role it will play in her financial plan for the future. She focuses on our pamphlet called What Every Woman Should Know available at www.socialsecurity. gov/pubs/10127.html for a game plan. She rolls up her sleeves and sets up her my Social Security account (www.socialsecurity.gov/myaccount) to review her earnings and estimates. If she finds an incorrect posting, she'll locate her W-2 form and quickly contact Social Security to correct it because she understands these are the earnings used to figure her benefits. She dives into understanding benefits at our planner pages at www.socialsecurity.gov/planners. She examines how marriage, divorce, death of a spouse, work, and other issues might affect her benefits. She studies our fact sheet When to Start Receiving Retirement Benefits at www.socialsecurity.gov/pubs/ to help her decide when it's time to lay down the rivet gun. And when the time is right, she will file for retirement benefits online at www.socialsecurity.gov/retire. Whether it was keeping the war effort production lines humming or discovering what is available to her from Social Security, Rosie symbolizes the motto: "We Can Do It." Rosie and millions like her rely on the financial protection provided by Social Security in assembling their own financial futures. Nicole Tiggemann is a Social Security spokeswoman. The Jackson Large two bedroom, two bath corner home Brooksby Village on the North Shore Bedroom 11’6” x 14’10” Living Area 13’1” x 19’0” Kitchen 12’8” x 10’1” Cleverly designed to provide you with maximum space and minimum worry, our apartment homes are the epitome of affordable one-level living—with convenient amenities and services just steps from your door. Walk-In Closet W/D Pantry DW Bath Linen Call 1-800-614-6998 to request a FREE brochure and a copy of Brooksby Village Lifestyle. Bath Bedroom 12’1” x 9’5” All Dimensions are approximate - NOT FOR CONSTRUCTION - For Information Only North Shore BrooksbyVillage.com 12739277
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Senior Living Spring 2018

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