Senior Living Summer 2024

The North Shore's 

longest-running 

Senior 

Resource Guide 

SUMMER 

2024 

HEALTH CARE 

COMMUNITY 

SENIOR 

ORGANIZATIONS 

ELDER LAW 

AND FINANCIAL 

SPECIALISTS 

IN-HOME-CARE 

ASSISTANCE 

NURSING AND 

REHABILITATIVE CARE 

AFFORDABLE 

SENIOR HOUSING 

OPPORTUNITIES 

ASSISTED LIVING 

AND 

MUCH MORE 

SENIOR ACTIVE LIVING

2 ESSEX MEDIA GROUP SENIOR ACTIVE LIVING SUMMER 2024 

How to manage competing financial priorities 

StatePoint 

Managing competing financial 

priorities can be emotionally and 

logistically complex, whether 

you’re juggling college tuition bills 

and mortgage payments, or you’re 

carving out opportunities for travel 

while planning for retirement. 

According to CERTIFIED 

FINANCIAL PLANNER 

professionals, following these tips 

can help you effectively make space 

in your budget for everything that 

matters to you: 

Get started early: While there is 

no wrong time to make a financial 

plan, waiting until you achieve 

a certain level of wealth can be 

counterproductive. Having a plan 

at the outset will help you achieve 

your goals faster and with less 

anxiety. 

Set specific goals: Being precise 

about your goals can help ensure 

you’re prepared to achieve them. 

For example, simply saving for 

retirement is terrific, but having a 

clear vision of what you want your 

retirement to look like can help you 

map out a financial plan that gets 

you exactly where you want to go. 

Be strategic about debt: If getting 

out of debt is one of your financial 

goals, be strategic about it. Pay 

off credit card bills and loans with 

higher interest rates first to reduce 

the overall cost of your debt over 

time and free up more of your 

money for your other priorities. 

Maximize savings: If you can 

only afford small contributions to 

your savings right now because 

of other financial priorities, don’t 

fret. You can actually maximize 

every dollar that you budget for the 

future if you play your cards right. 

A CFP® professional can guide you 

toward savings opportunities that 

come with tax advantages, as well 

as high returns and interest yields. 

Protect your wealth: Unexpected 

circumstances can disrupt even the 

best-laid plans. Account for such 

possibilities as market downturns, 

loss of income and the need for 

long-term care to reduce the risk of 

your important goals going unmet. 

Stay calm: Money is the source 

of many emotions, including guilt 

and anxiety, and it is easy to get 

swept up in those negative feelings 

when you unmindfully spend money 

on vacations, dining out and other 

lifestyle experiences. Creating a 

budget can help you realistically 

balance fun, short-term goals with 

long-term financial security. 

Partner with a professional: A 

CFP® professional can help you 

juggle competing financial priorities 

gracefully. Not only will they sit 

down with you to identify your 

objectives, but they also possess 

the expertise to guide you to the 

tools and strategies that will help 

you most easily reach your goals. A 

CFP® professional is also someone 

you can trust. As part of their CFP® 

certification, they commit to act as 

a fiduciary and provide financial 

advice that is in their clients’ 

best interests. To find a CFP® 

professional, visit letsmakeaplan. 

org. 

From buying a house or car to 

financing your child’s education 

or wedding, smart strategies can 

help you meet life’s many exciting 

adventures with confidence.

SENIOR ACTIVE LIVING SUMMER 2024 ESSEX MEDIA GROUP 3 

Free Medicaid 

Planning Seminar 

INFORMATION ABOUT: 

• Who is a candidate for Medicaid? 

• What info is needed to apply? 

• What are allowable spend down items? 

• Who can help you through the Medicaid application process? 

Session 8: 

August 15 at 12 p.m. 

@Silver Lining Solutions Office 

Learn the ins and outs of the 

Medicaid process, and important 

application information 

And here is the link to sign up: 

https://form.jotform.com/232083762171150 

For more information 

please go to our QR code: 

Session 9: 

September 12 at 12 p.m. 

@Silver Lining Solutions Office 

Darcia Tremblay 

461 Boston Street, Unit B1 

Topsfield, MA 01983 

Office: 978-887-1100 

silverliningsolutions.com


Why a healthier mouth equals a healthier you 

StatePoint 

Better oral health is strongly 

linked to better overall health, 

helping you speak properly, eat 

healthfully, and prevent certain 

infections and disease. According to 

experts, it all starts with preserving 

your natural teeth. 

“Your natural teeth are not 

disposable. They are designed to 

last a lifetime,” says Dr. Natasha M. 

Flake, president of the American 

Association of Endodontists (AAE). 

“Taking steps to preserve your teeth 

is fundamental to a healthy mouth, a 

healthy body and a happy life.” 

Unfortunately, millions of U.S. 

adults don’t have dental insurance, 

and many low-income adults 

lack the means to acquire dental 

services. As a result, they may forgo 

preventive care and even emergency 

care when issues arise. 

“Delaying or avoiding care can 

cause a snowball effect of additional 

oral health and systemic health 

issues,” says Dr. Flake. “Even a 

minor oral infection can escalate 

into a life-threatening situation if 

left untreated.” 

In an effort to urge Americans 

to get timely oral health care, the 

AAE has launched a multipronged 

campaign highlighting the link 

between oral health and overall 

health. The campaign includes 

digital billboards in Times Square, 

advocacy messages in building 

lights, and pop-up educational 

events where free dental care kits 

are distributed. 

Many AAE members even 

provide free root canal treatments to 

those in need through organized free 

root canal days. Flake points out 

how critical this service is. 

“All too often, the default 

treatment for infection and tooth 

decay is tooth extraction,” says Dr. 

Flake. “The truth is that we can do 

better for all patients, particularly 

those in underserved communities. 

In fact, outreach efforts funded by 

the Foundation for Endodontics help 

patients in underserved communities 

receive much-needed dental care 

and save their teeth.” 

Endodontists are highly skilled 

dental specialists in diagnosing 

and treating tooth pain. When 

performing root canals, they use the 

latest in 3D imaging and advanced 

technology to put safety first and 

reduce the risk of infection. With 

25 million procedures performed 

every year, root canal treatments 

are safe, convenient and widely 

recommended. To locate a nearby 

endodontist, visit the AAE’s useful 

patient tool findmyendodontist.com. 

If you’re experiencing tooth pain 

or sensitivity, don’t delay your care. 

Visit an endodontist to protect your 

smile and your health. 

Benchmark community residents 

share countless opportunities to 

participate and engage. 

Assisted Living | Mind & Memory Care 

Throughout the day, our residents share moments with 

associates that range from chats over breakfast, to bonding over 

music, to making plans to see the newest art exhibit at a nearby 

museum. All of these interactions add up — creating an 

environment where every resident feels included, important, 

and like a vital part of the community because they are! These 

many moments of connections are something that seniors might 

not get to experience living elsewhere, that’s why we make them 

a priority in each of our Benchmark communities. 

• 24/7 personalized care 

• Premium indoor and 

outdoor amenities 

• Chef-prepared, 

restaurant-style dining 

978.213.1555 

1 Veronica Drive | Danvers 

AtriumAtVeronicaDrive.com 

978.213.1444 

9 Summer Street | Danvers 

PutnamFarmDanvers.com 

Scan to learn more.


Financing the care of loved ones with a disability 

StatePoint 

According to the U.S. Census 

Bureau, over one in four Americans 

are living with a disability and about 

one-half of these individuals are 

living with a severe disability. 

Whether present at birth or caused 

by a life-altering accident or illness, 

severe disabilities almost always 

create a significant financial burden 

due to curtailed earning power and 

ongoing expenses. That’s where a 

specialized trust or savings account 

may help both the individual with 

special needs, and their families. 

To honor Disability Pride Month 

this July, Wells Fargo is sharing 

information about Special Needs 

Trusts (SNTs) and Achieving a Better 

Life Experience (ABLE) accounts in 

order to help individuals and families 

understand their options. 

What are special needs trusts? 

SNTs are irrevocable trusts drafted 

by an attorney. They’re used to set 

aside money or property to cover 

the needs of individuals living with 

physical, mental or developmental 

disabilities who may not have the 

ability or legal capacity to manage 

their assets and keep detailed records. 

How are SNTs funded? The two 

types of SNTs depend on the source 

of funding: 

• First-party SNTs are funded 

with money the beneficiary owns, 

or is awarded as compensation for 

medical malpractice, personal injury 

or another type of legal settlement. 

Typically, they’re created by the 

beneficiary’s parents, grandparent, 

legal guardian, or a court, and are 

for beneficiaries under 65. When the 

trust terminates, Medicaid is entitled 

to reimbursement of any funds 

expended on the beneficiary. 

• Third-party SNTs can be 

established at any time by someone 

wishing to provide for a minor or 

adult with special needs, including 

as part of an estate plan. Unlike 

first-party trusts, they may be created 

by anyone, and there is no age 

restriction on the beneficiary. The 

terms may be modified, and there 

is no reimbursement requirement 

to government programs. While 

advantageous, their complexity often 

requires professional assistance. 

What are SNTs’ benefits? An SNT 

can help you or a loved one: 

1. Meet current cash flow needs 

and plan for the future. 

2. Preserve eligibility for 

governmental benefits. People 

living with disabilities may become 

ineligible for state and federal 

benefits if their income and resources 

exceed certain thresholds. Under 

federal law and regulations, an SNT 

helps ensure a beneficiary remains 

eligible for these programs. 

3. Enhance quality of life by 

providing financial support for 

activities and services inadequately 

covered by public benefits programs. 

In addition to medical, dental and eye 

care expenses, appropriate purchases 

may include an accessible vehicle, 

medical equipment, computer, gym 

membership, therapy animals, music 

lessons, supplemental caregiving 

services, and even entertainment and 

travel. The goal is to increase the 

beneficiary’s ability to enjoy life and 

participate in their community. 

Is an SNT a good fit for my 

family? Do you have an adult child 

living with a disability who will 

need care beyond your lifetime? 

Are you receiving a personal injury 

settlement? Do you need to protect 

your public benefits eligibility? Are 

you considering making provisions 

in your estate plan for a loved one? 

If so, then an SNT may be a good fit. 

To learn more about establishing a 

special needs trust, visit wellsfargo. 

com/the-private-bank/solutions/ 

specialized/special-needs-trustservices/. 

JOYCE CUCCHIARA 

DESIGNATED SENIOR REAL ESTATE ADVISOR 

Scan to read 

more about 

Joyce Cucchiara 

Representing the Top 1% 

Coldwell Banker Agents Worldwide 2023 

Selling your home can be an 

overwhelming experience. 

I can help guide you 

through the process 

with my years of experience, 

skills and knowledge 

of the market. 

You should EXPECT the BEST! 

Call me for your 

complimentary market analysis. 

• International President's Circle 

Designation - Top 1% of CBR Agents 

• # 1 solo agent in Lynnfield office 2023 

• Featured in NS Real Estate Top Producer 

Magazine 

(978) 808-1597 

joyce.cucchiara@nemoves.com


Your Worry-Free Retirement at Brooksby Village 

Many believe independence 

means staying in their house 

for as long as possible. At an 

Erickson Senior Living®-managed 

community like Brooksby Village®, 

you are free to pursue the interests 

and activities you love—all while 

knowing you have a safety net of 

support should you ever need it. 

Modern Campus 

We are located on a spacious 

campus with lush gardens and 

charming courtyards. Stroll or bike 

along the well-tended walking paths 

that are manicured and beautiful all 

year long. Enjoy a game of bocce, 

pickleball, or a fun fitness class. 

Stay Active 

You can be as active as you want. 

From gardening to travel, history to 

photography, you’ll find hundreds 

of clubs, classes, and activities to 

explore. Our community members 

have found creative ways to connect 

through faith services, fitness 

classes, and more. 

Fantastic Amenities 

Experience resort living every 

day. We bring you a wealth of 

exciting amenities and services 

in one location. Enjoy a variety 

of dining options, including an 

exhibition kitchen and a casual pub. 

Without the burden and expense 

of house maintenance, you can be 

active, stay fit, have fun, and pursue 

your interests. 

More for Your Money 

Brooksby Village offers more 

than other senior living options. At 

a rental community, the money you 

pay each month is gone forever, 

and life care communities force 

you to pay for extra care you may 

never use. But at Brooksby Village, 

90% of your entrance deposit* is 

refunded to you or your heirs, and 

you only pay for more advanced 

care if you need it. 

Peace of Mind 

Brooksby Village keeps your 

expenses predictable and your future 

secure. An affordable Monthly 

Service Package covers almost all of 

your regular bills for a set amount 

that doesn’t fluctuate from month to 

month. Repairs inside and outside 

your apartment home are also 

included at no extra charge. 

Continuing care is available 

right on campus. If the time ever 

comes when you need extra care or 

support, you and your family can 

relax. The “what-ifs” of tomorrow 

are already covered. 

Community 

Here, you’re part of a close-knit 

community of friends, neighbors, 

and people who care. With a 

friendly maintenance team, security 

professionals, and full-time doctors 

and nurses, Brooksby Village’s large 

and dedicated staff is here for you, 

no matter what. 

There’s never been a better time 

to learn about Brooksby Village. 

Call 1-888-246-3596 to receive your 

free brochure. 

Disclaimer : *As per the Residence 

and Care Agreement 

WE OFFER MORE THAN OTHER 

SENIOR LIVING COMMUNITIES. 

MORE FOR YOUR MONEY 

MORE PEACE OF MIND 

MORE AMENITIES AND SERVICES 

Learn MORE reasons to choose retirement 

living at Brooksby Village.® Call 1-888-246-3596 

or visit BrooksbyVillageCommunity.com for 

your FREE brochure. 

North Shore 

BrooksbyVillage.com 

1179900


Wondering how to protect your assets? 

The Law Office of Julie Low can help 

The Law Office of Julie Low practices 

exclusively in elder law, estate planning, 

probate and estate administration, 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 Beverlybased 

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. 

Attorney 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. 

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. 

Julie is a member of WealthCounsel, 

ElderCounsel, The National Academy 

of Elder Law Attorneys (NAELA), 

and The Academy of Special Needs 

Planners. 

She graduated cum laude from Western 

New England University School of Law 

in 2007. 

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. 

Call the Law Office of Julie Low 

today to sign up for the next workshop or 

register on their website. 

For peace of mind, for those you love, estate planning! 

Special Needs Planning 

Law Office of 

Estate Planning 

& Elder Law 

Specializing in 

Medicaid Applications 

& Long Term 

Care Planning 

Receive a half-price, one-hour consultation after attending one of our free, virtual estate planning workshops. 

Tuesday 

July 23 

6:30 p.m. - 8:30 p.m. 

Estate Planning Workshop schedule 

Saturday 

August 10 

10 a.m. - noon 

Saturday 

August 20 

6:30 p.m. - 8:30 p.m. 

Medicaid Workshop schedule 

Thursday 

August 29 

6 p.m. - 7 p.m. 

Saturday 

September 14 

10 a.m. - noon 

266 Cabot St., Suite 1, Beverly • www.lawofficeofjulielow.com


Your Guide to Estate Planning, Probate, and Trust Administration 

in Massachusetts and Protecting Your Family’s Legacy 

No one enjoys thinking about the complexities of estate planning or probate, but both are essential in protecting your family's future. 

Whether you are looking to secure your family’s future through the implementation of an estate plan or navigate the complexities of 

probate to ensure that your loved one’s wishes are honored, our team at Casey Lundregan Burns, P.C. is here to help guide you through 

each process. 

Navigating the Probate Process: 

While probate may seem daunting, our team of experts at Casey Lundregan Burns, P.C. strive to make this a seamless process from filing 

a petition through final distributions. 

Probate is the legal process through which an individual’s estate is settled under the supervision of a court after they pass away. These 

proceedings are critical for validating the deceased’s will, paying off debts, and ensuring assets are distributed according to the will or, in 

the absence of a will, state law. Though essential, probate can be lengthy and public, leading many to explore alternatives through estate 

planning. 

Why Estate Planning Matters: 

Effective estate planning is not limited to assets; it is a tool for peace of mind. An effective plan ensures your legacy remains intact and 

your loved ones are provided for, even in your absence by utilizing personalized solutions that align with your individual needs and goals. 

Careful and strategic planning often implements wills and trusts to outline how your assets will be distributed after your death as well as 

powers of attorney which designates someone you trust to make financial and medical decisions should you become incapacitated. 

Further, healthcare directives, also known as living wills, delineate your wishes regarding medical treatment if you are unable to do so 

yourself. Beneficiary designations then ensure your retirement accounts, life insurance policies, and other financial accounts are up to 

date, while guardians care for minor children in your absence. 

Why Choose Us? 

With three generations of combined experience, Casey Lundregan Burns, P.C. has built our firm legacy on strategically guiding families 

through the intricacies of estate planning and probate law. We specialize in crafting meticulous plans that account for your individual 

needs to secure your wishes and protect your family’s future. 

Contact us today 

Decisions surrounding probate and estate planning often require careful consideration. With three generations of 

experience helping families find their best way forward, our team at Casey Lundregan Burns P.C. will help guide you 

through nuances to ensure your wishes as well as those of your loved ones are followed. To learn more, schedule a 

complimentary consultation with one of our experienced attorneys online or contact us at (978) 878-3519. 

(978) 878-3519 or visit our website: www.caseylundreganburns.com


Working Toward a Century of Service: Casey Lundregan Burns, P.C. 

In 1924, William J. Landergan graduated from law school after earning his way through university by working shifts at his 

family bakery. William's values remained attuned to the importance of hard work and asset conservation, and he 

incorporated these ideals into his business model." when he opened a law firm of his own in 1926. 

1920s-1950s 

After founding his practice in 1926, William shortly thereafter navigated the stock market crash and fiscal crisis that turned 

lives and fortunes upside down. His devoted service to clients and the surrounding community led to his election as a State 

Representative for West Lynn in the General Court for the Massachusetts Legislature in 1935. William continued in service 

as the First Assistant Attorney General and was eventually appointed the Presiding Justice of the Lynn District Court in 1952 

where he served in that capacity until his death in 1970 

1960s-1980s 

Judge Landergan’s daughter, Pauline, kept the legal practice in the family when she married Joseph David Casey, a Boston 

College and New England School of Law graduate. Joseph, a skilled litigator, was simultaneously appointed to serve as an 

Assistant District Attorney for Essex County, while continuing to manage a thriving private practice and remain devoted to 

the local community. Joseph served as Legal Counsel for the Lynnfield Center Water District, the Essex Agricultural and 

Technical Institute and President of the Essex County Bar Association. 

1990s-2000s 

Pamela and Christopher, two of Pauline and Joseph Casey’s five children, earned their law degrees and joined the 

family firm. Christopher redirected the practice’s focus to probate litigation, probate administration, and estate 

planning. Pamela left the practice to focus on Public Service. Christopher brought his wife, Sharon, into the practice. 

The couple met in Washington, D.C., during their law school clerkships and married in 1992. Sharon naturally took on 

a Supervising Partner role with the Real Estate Department until her appointment at the Judicial Nominating 

Commission. She later became Clerk-Magistrate of the Cambridge District Court, where she remains today. 

Casey Family Joins Forces with Lundregan Team 

In 2006, Christopher merged the Casey firm with the well-respected firm of Lundregan and Lundregan. The firm was 

managed by the husband-and-wife team of William J. Lundregan and Jane T. Lundregan, Boston College Law School 

graduates. The merger was a natural fit for two strong firms with a focus on family and asset protection. 

2010s-Present 

In 2017, Attorney Allison Rose Burns joined the firm’s Litigation Department after graduating Suffolk Law School cum 

laude. Allison has earned a reputation as one of the best probate litigators in Massachusetts and was named a Rising Star 

by SuperLawyers Magazine three (3) years in a row. Casey Lundregan Burns, P.C. now includes eight attorneys supported 

by knowledgeable administrators, paralegals and assistants all devoted to protecting families in Massachusetts with 

fiduciary litigation, probate administration, estate planning, and real estate assistance throughout the Commonwealth. 

WWW.CASEYLUNDREGANBURNS.COM


How compounding pharmacies 

can help patients get needed care 

StatePoint 

Most consumers know how a traditional 

pharmacy works. Far fewer are aware of an 

alternative option: a compounding pharmacy. 

Here’s everything you need to know about 

these specialized healthcare facilities, and 

how they have the potential to improve your 

wellness. 

What is a compounding pharmacy? A 

compounding pharmacy employs the art and 

science of creating personalized medications 

based on a patient’s specific requirements, 

ensuring an individualized approach to 

healthcare. 

“The conventional, mass-produced, 

one-size-fits-all approach to medication 

unfortunately does not work for all patients. 

Compounded medications however can help 

ensure patients get the therapies they need 

safely,” says Shaun Noorian, CEO and founder 

of Empower Pharmacy, a compounding 

pharmacy that specializes in men’s health, 

women’s health, dermatology, hormone 

replacement, weight management, IV therapy, 

longevity, sexual wellness, mental health and 

gender affirming care. 

Why is this important? Compounded 

medications are crafted to address individual 

requirements, such as allergies to certain 

ingredients, dosage adjustments, or the need 

for alternative forms of medication (for 

example, needing a liquid instead of a pill 

form). In short, compounded medications 

deliver therapy required for individuals to 

live healthier, happier lives in a form that can 

optimize their care. These medications can 

also play a vital role in addressing challenges 

related to FDA-approved prescription 

medication shortages. 

Marie Bishop 

REALTOR® 

www. bishopsells.com 

bishopsells@gmail.com 

978.766.3533 

 

 

 

 

 

 

 

 

I am a Health Care Worker who is available 

for private care in your home. I have 

experience of working in a nursing home 

and hospice for 37 years. In addition, I offer 

many attributes one does not easily find – 

Certified, very caring, flexible hours, 

physically strong, and experience with all 

types of patients.


Tips to have a safe 

and healthy summer 

StatePoint 

Summer is a great time to try new 

activities and get outdoors, but the 

season also brings with it unique 

risks, according to medical experts. 

“Regardless of where you are 

in your fitness journey, the warm 

weather months offer opportunities 

to reevaluate your wellness goals 

for the remainder of the year. But as 

you and your family get active, it’s 

important to prepare. Understanding 

water safety and sun safety, and 

recognizing the signs of heat-related 

conditions are all critical,” says 

Jesse M. Ehrenfeld, M.D., M.P.H, 

president of the American Medical 

Association (AMA). 

To help you enjoy a safe and 

healthy summer, the AMA offers 

these tips: 

1. Be smart about sunscreen. 

When shopping, look for a broad 

spectrum sunscreen of at least 

SPF 30. Also, understand that no 

sunscreen is waterproof, and you’ll 

need to reapply it every couple of 

hours and after exposure to water or 

sweat. 

2. Make sure your family is upto-date 

on their vaccines. Before 

summer travel or camp season, 

double check everyone’s vaccine 

status. If you have questions, 

speak with your physician and 

review trusted resources, including 

getvaccineanswers.org. 

3. Prioritize water safety. Ensure 

everyone in your family achieves 

water competency skills. Teach 

children to ask permission before 

going near water, have them and 

inexperienced swimmers or boaters 

wear U.S. Coast Guard-approved 

life jackets, and, at the beach, always 

swim in lifeguarded areas. 

4. Reduce your intake of 

processed foods and sugar-sweetened 

beverages, especially those with 

added sodium and sugar. Eat less 

red meat and processed meats, 

and add more plant-based foods to 

your diet, such as fresh fruits and 

vegetables, olive oil, nuts and seeds. 

Also reduce your consumption of 

sugar-sweetened beverages and drink 

more water instead. Drinking sugary 

beverages, even 100% fruit juices, 

is associated with a higher all-cause 

mortality risk, according to a study 

published in JAMA Network Open. 

5. Take advantage of warmer 

weather and find ways to be 

physically active. Exercise is 

essential for your physical and 

mental health. Adults should get 

at least 150 minutes of moderateintensity 

activity or 75 minutes of 

vigorous-intensity activity each 

week. 

6. While exercise is important, 

it’s essential to be smart about it. If 

exercising outside, avoid the early 

afternoon (noon to 3 p.m.) when 

it’s hottest. Drink water before, 

during and after physical activity, 

and wear light-colored, lightweight, 

moisture-wicking clothing. Be on the 

lookout for signs of heat exhaustion, 

including cool, moist, pale skin, 

heavy sweating, headache, nausea 

and dizziness. CDC’s Heat Risk 

Dashboard informs on how best to 

protect yourself when temperatures 

can impact your health. 

7. If consuming alcohol, do so in 

moderation as defined by the U.S. 

Dietary Guidelines for Americans— 

up to one drink per day for women 

and two drinks per day for men, and 

only by adults of legal drinking age. 

8. Know your blood pressure 

numbers. Visit ManageYourBP.org 

to better understand your numbers 

and take necessary steps to get 

high blood pressure, also known as 

hypertension, under control.

A GUID E T O N A VIGA TING M E MOR Y L O S S 

A FIN ANCIAL GUID E T O SE NIOR 

LIV ING 


Experience the Difference 

of Exceptional Senior Care 

AT C H A RT E R SE N IOR L I V I NG 

OF DA N V E R S 

Joining the Charter Senior Living family means 

more support, more resources and ultimate 

peace of mind for seniors and their families. Get 

to know the Charter difference today by 

scheduling a tour or requesting a free senior 

living resource. 

Knowledge 

IS COMFORT. 

A Family Caregiver’s Guide to Senior Living 

Understand THE DIFFERENCE. 

Knowledge Is Comfort: 

A Family Caregiver’s 

Guide to Senior Living 

S EEKIN G S UPP O RT: 

THE DIFFERENCE. 

Request your preferred guidebooks today 

and embark on this journey with us. 

Call 978.261.3530 today! 

220 Conant Street | Danvers, MA 01923 | www.charterofdanvers.com 

Assisted Living | Memory Care | Short-Term Stays 

Pending EOEA Certification 

Feel 

Seeking Support: A 

Guide to Navigating 

Memory Loss 

EMP OWERING Y OUR RETIREMEN T: 

Empowering Your 

Retirement: A Financial 

Guide to Senior Living 

How to erase negative 

self-talk and feel better 

StatePoint 

It’s been four years since the 

collective trauma of the pandemic 

created widespread grief, anxiety 

and isolation, but the psychological 

wounds of this period have not fully 

healed. 

The American Psychological 

Association reports continued 

elevated rates of anxiety and 

depression among Americans, 

and mental health experts say 

that negative self-talk plays a 

large role in these conditions and 

other psychological issues. The 

good news? Individuals can work 

on subtracting a harmful inner 

monologue from the equation. 

“Simple tools can help people 

break the cycle of negative self-talk 

and find some inner peace,” says 

Elizabeth Scott, PhD, a wellness 

coach, health educator and author of 

“8 Keys to Stress Management.” 

That’s why Pilot Corporation of 

America (Pilot Pen) is supporting the 

Erase Self-Negativity Initiative in 

partnership with key mental health 

and wellness experts, including 

Dr. Scott, and with guidance from 

America’s largest grassroots mental 

health organization, the National 

Alliance on Mental Illness (NAMI). 

As part of the initiative, Dr. 

Scott and NAMI have created a 

guided exercise to help individuals 

begin their journey toward erasing 

the disempowering influence that 

negative self-talk has on their lives. 

The exercises include writing down 

the negative beliefs one holds about 

themself and then destroying or 

erasing the writing, a practice that 

has been found by research to be 

helpful in minimizing those beliefs. 

“Simply externalizing these 

negative thoughts empowers us to 

rewrite our narrative and opens the 

door to giving ourselves more grace,” 

says Dr. Scott. 

Dr. Scott stresses that similar 

to maintaining physical health, 

consistency is key with mental 

health. This is why every April 10 

will be recognized as National Erase 

Self-Negativity Day and the initiative 

will use the 10th of each month, as 

a day to start or revisit the writing 

exercise and reflect on personal 

progress. 

Here’s what’s needed to get 

started: 

1. A quiet, restful location, 

2. A desire to create change 

3. Paper 

4. A FriXion erasable pen, which 

offers more than just the ability to 

write and erase completely; but also 

symbolizes the power individuals 

have to change things and write more 

positivity into their story. 

The Erase Self-Negativity 

Worksheet can be found by visiting 

eraseselfnegativity.com. For 

additional resources to understand 

how common, and treatable mental 

health issues can be, visit nami.org. 

“While we can’t control the 

negative messages we might receive 

from the outside world, we can work 

on what we tell ourselves. With just 

a few minutes of quiet time, we can 

harness the transformative power of 

writing in a way that will challenge 

the damaging assumptions we hold 

about ourselves and foster more selfcompassion,” 

says Dr. Scott.


How to keep feet and ankles in good shape this summer 

StatePoint 

Summer fun and chores alike 

come with potential hazards to feet. 

According to the American College 

of Foot and Ankle Surgeons, here’s 

how to protect feet and ankles from 

the most common seasonal hazards: 

Be DIY Safe 

DIY projects like power washing, 

roofing and decking require ramped 

up safety measures. Always wear 

closed-toed shoes with traction to 

prevent injuries, splinters, puncture 

wounds and falls. Mowing can 

be particularly hazardous. The 

JOHN KOZLAUSKA, D.M.D. 

DENTAL CARE NORTH, Inc. 

Affordable and Comprehensive 

Treatment Options 

Complimentary Consultations 

Senior discounts 

U.S. Consumer Products Safety 

Commission estimates more than 

37,000 Americans suffer a power 

mower-related injury annually. 

“Lawnmower blades whirl at 

3,000 revolutions per minute. Yet 

we see patients who’ve been hurt 

operating a mower barefoot,” said 

Matthew Dairman, DPM, FACFAS, 

a board-certified foot and ankle 

surgeon and a Fellow Member of 

the American College of Foot and 

Ankle Surgeons (ACFAS). “Foot 

injuries range from dirty, infectionprone 

lacerations to severed tendons 

to amputated toes. People need to 

take lawn mowing safety seriously 

because the injuries can, indeed, be 

Delta Dental & Blue Cross 

Provider and accept most 

insurances 

very serious.” 

To avoid becoming a statistic, 

follow these sensible guidelines: 

• Don’t mow a wet lawn. Losing 

control from slipping on rain-soaked 

grass is the leading cause of foot 

injuries caused by power mowers. 

• Wear heavy shoes or work 

boots—no sneakers or sandals. 

• Never pull a running mower 

backward. 

• Keep the clip bag attached 

during operation to prevent 

projectile injuries. 

• Use a mower with a release 

mechanism that automatically shuts 

it off when hands let go. 

• Always keep children away 

during mowing. 

• If an accident occurs, even a 

minor one, consult a foot and ankle 

surgeon right away. 

Wear Sunscreen 

Many people skip their feet when 

applying sunscreen, but did you 

know that the skin on your feet is 

highly susceptible to melanoma? 

In fact, it’s the most diagnosed and 

fatal site of this form of skin cancer. 

Other types of skin cancer can also 

be found on the foot, including 

squamous cell and basal cell 

carcinoma. To keep your feet safe 

this summer: 

700 Summer St. Lynnfield Call Now: 781-334-2520


How Hearing Aids Help 

You Hear Your Best 

At Atlantic Hearing Care we 

are passionate about keeping you 

connected to your friends and 

loved ones through better hearing! 

We know that many individuals 

experiencing hearing loss can start 

to feel isolated and withdrawn from 

the people and activities they once 

loved. Hearing all the sounds in the 

world around us not only helps keep 

us connected but it also helps to 

keep our brains healthy. 

We recommend everyone over 

the age of 50 have a baseline 

hearing evaluation completed. 

Then, if hearing loss is discovered, 

hearing aids may be recommended. 

The hearing aids used today are 

full of innovative technology that 

is personalized to each individual 

user. Hearing aids can determine 

the type of environment the listener 

is in and make real time, automatic 

adjustments to cater to the listener’s 

needs in that environment, allowing 

you to hear at your best everywhere 

you go. They are discreet and easy 

to use. Most modern hearing aids 

also have additional features such 

as Bluetooth streaming, hands 

free streaming of phone calls, and 

rechargeability. 

At Atlantic Hearing Care, we 

continue to learn about and adopt 

the most cutting-edge hearing aid 

technology available to best support 

our patients. With our clinic, not 

only will you be able to work with 

innovative hearing aid technology, 

but also a team that cares about your 

personal listening goals and works 

hand in hand with you to achieve 

them! Give us a call at 781-581- 

1500 to schedule a hearing test 

and a free two-week trial with new 

hearing aids.


Over 20 Years of Experience 

The HouseWorks family of companies 

are a leading provider of private home 

care services committed to delivering 

the highest standard of in-home care 

to seniors throughout New England. 

We provide services wherever seniors 

call home. 

Our Care Teams Can Assist With: 

Personal Care 

Meal Preparation 

Homemaking 

Medication Reminders 

Companionship 

Transportation to Appointments 

End-of-Life Care 

24/7 Care 

Contact Us Today! 

Speak with one of our Client Care Coordinators to learn more about our services 

(617) 928-1010 

house-works.com | associatedhomecare.com | extended-family.net


THINKING OF DOWNSIZING? 

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Partners 

Karen Richardson 

Owner 

KR Staging & Redesign 

Rachel Carlino-Dangora 

Owner 

Make Piece With Organizing 

Dan Oliphant 

Owner 

Piece By Piece Movers 

Christina Castaldo, Maureen Preczewski, 

Jes Doherty, Marjorie Youngren, 

Michelle Chiulli, Carla Comenos, Jill Stelman 

Eileen Kelly Reed 

Owner 

Simplify With Eileen Estate Sales 

Jeff Stelman 

Partner 

Standard Title & Escrow 

When you hire the Marjorie Youngren team, you not only benefit from our experienced real estate agents, 

but also from our top-notch vendors who are ready to assist and streamline your moving process. 

We recognize that senior moves are much more overwhelming than traditional moves and our top priority is 

to help minimize the stress of transitioning to a new home and lifestyle. 

Our process begins by educating you about what to expect throughout your transaction. With ongoing 

education and specialized designations like Senior Real Estate Specialists® (SRES), our team excels at 

working with sellers age 50 and above. 

Our ultimate goal is to provide all clients the support and advice needed to navigate through challenging 

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services to meet your specific needs. 

Senior Real Estate 

Specialist Designation 

MARJORIE YOUNGREN 

TEAM LEAD | BROKER 

781.580.9357 

SCAN ME! 

MarjorieSells.Com 

MarjorieY@kw.com

Senior Living Summer 2024

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