Cielo Azul Retirement Financial Benefits

My Just Ask George Radio Interview

I had the privilege of being interviewed on Just Ask George Radio recently. I took the opportunity to discuss how my business model was designed specifically to provide affordable retirement living for middle income seniors.

I’ve been in the retirement/healthcare industry for over 30 years now. On more than one occasion I’ve had the very painful experience of declining a seniors’ request for residency in a retirement home I was managing at the time. I knew in my heart of hearts that the candidate(s) would be valuable additions to the community but they were unable to meet the facility’s financial requirements. It was these heartbreaking experiences that inspired me to found the Cielo Azul Condomium Retirement Community. You can see me tell more of this story in the video below.

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Corporate Owned Retirement Communities Are Not For Middle Income Seniors

In my opinion corporate owned retirement communities set the financial bar much too high for a majority of seniors. Non-refundable move in fees of $200,000 to $600,000 are not uncommon. Monthly service fees can run from $4000 to $7000 per month and sometimes higher. Most retirement communities will want to review your financial status to make sure you can afford these costs for a minimum of 10 years. Do the math and you’ll find that you’ll need an average portfolio of $1 million. If you’re a middle income senior that is way beyond your financial reach. I should know because I am one!

For Cielo Azul I turned this corporate financial model upside down.

  1. I have eliminated the move in fee. Yes, that’s right, there is no move in fee for Cielo Azul
  2. Monthly service fees start at $1800 per month. On average that is 30% of the monthly service fees you pay at corporate owned retirement communities. And I have not compromised the level of services or amenities to do this. You have comparable if not better quality at Cielo Azul.
  3. You get the benefits of purchasing  your retirement condominium. Prices start at a very affordable $175,000. You :
    1. Retain your asset if you have previously owned a home
    2. Have the ability to leave this in your estate for your loved ones
    3. Have the opportunity to get a reverse mortgage if you need additional financial liquidity at any time.

No Corporate Monster to Feed

How have I been able to do this? It’s quite simple really – I have no corporate monster to feed. I don’t own a corporate jet or have an administrative assistant I’m paying $300,000 a year to.

A few years back a seniors’ overriding concern when choosing a retirement community was if the healthcare services met their needs. Today the overriding concern is financial.  Am I going to outlive my financial resources?  At Cielo Azul these need no longer be of concern. We are an affordable retirement community for middle income seniors providing quality continuing care.

If you like what you’ve read or seen in the video call me toll free on (866) 840-7100 and I’d be delighted to talk with you some more. Or you can always email me with any questions.

Regular Exercise Benefits Seniors

Beauty or Health?

senior couple stretchingToday much of society seems to be more focused on beauty than health. Health Clubs are on every street corner, TV shows promote a vast array  of reverse aging products with Face Book and Twitter displaying the before & after pictures.  We have become a nation focused on health conscious young people with little attention given to our seniors.  Today, Baby Boomers are the most educated and health conscious group of retirees this nation has ever had and regular exercise is an increasing part of their daily routine

However seniors at home alone face challenges building a regular exercise routine. Fear of injury with no immediate assistance available or lack of motivation without other seniors to participate with.But according to the American Academy of Family Physicians mild exercise for seniors over the age of 65 is safe and highly recommended. It is shown to lower chances of injury, prevent disease and improve mood. For seniors starting out on an exercise program it is advised to first consult a physician, start slow and go at an easy pace.

The Many Benefits or Regular Exercise

The health benefits of regular exercise are many.  It can help avoid the onset of Alzheimer’s and strengthen the immune system to help fight off disease.  It can help lower blood pressure and lower the risk of heart disease or stroke.  It can also reduce the risk of osteoporosis.  Exercise greatly increases balance and reduces the risk of falling and possibly breaking a hip.  Exercise also increases confidence thereby decreasing the fear of falling and potential injury.

There are many professional organizations offering all levels of exercise training to seniors.   Aerobic Exercise is often not recommended for seniors starting out on an exercise program.   However, there are a lot good basic strength training and balance/flexibility exercises available.  Lifting light weights two or three times a week can strengthen key muscles in the back and shoulder helping to prevent back injury.  Leg exercises can help prevent knee injury or the need for knee replacement surgery.  Basic exercise can help to improve overall health and increase stamina plus boost energy levels throughout the day.

One of the most basic forms of exercise is walking.  A good walk can help the cardiovascular system.  When walking with a friend or in a walking club, the social interaction becomes an additional benefit.  Swimming or water aerobics is another great low joint impact exercise program to promote good health.

Cielo Azul’s Exercise Programs

At Cielo Azul Retirement Community we recognize the many benefits of regular exercise programs tailored to a seniors’ specific needs. It was an integral factor in the design of the community itself. Our entry level “stretch and go” program incorporates gentle stretching and indoor walks through the atrium garden with its’ centerpiece water feature. The intermediate walking programs make use of the many outdoor trails with their magnificent views of the Sandia Mountains. The Health Club offers a full range of workout equipment designed for seniors. It also includes a lap pool, sauna and steam room. Massage services are available to conclude a workout session.

All seniors benefit from some form of physical activity. It promotes good health, increased energy, increased mental alertness and at Cielo Azul Retirement Community increases the opportunity for social interaction. We look forward to welcoming you here.

Assisted Living Saved My Mother’s Life

Home Care Worked For a While

For the past fifteen years my mother and her good friend Mary have shared an apartment.   About two years ago it became apparent that they were going to need some assisted living help. My brother made arrangements for a home care companion to help with the housekeeping, meals and limited transportation.  This arrangement worked great for over a year and allowed my mother and Mary to maintain their current lifestyle.

senior drivingIn the summer of 2009 we noticed a major decline in mother’s and Mary’s general health.  At this point it became necessary to increase the amount of time the home care companion spent helping them.  Mary was becoming more forgetful and new medical problems resulted in her needing to use a walker.  My mother was having major problems with her back and was not able to do much around the apartment or to participate in social activities.  Mother and Mary now were unable to prepare a complete meal and became more dependent on their home care companion to help with this and other daily living task.

My mother and Mary refused to give up driving.  As frail as they were they would still drive to the grocery store, drug store and church.  My brother and I expressed our great concern and fear to them about their continued driving and the possibility of them being involved in a major accident.  Those conversations went in one ear and right out the other ear, instantly.  As my mother said “ My doctor has not told me to stop driving and the state has just issued me a new Driver License”.

Time to Consider Assisted Living

In the fall of 2009 on a trip to visit my mother, my wife and I were shocked at what we found.   My mother was totally incoherent from over self medication and was a very frail.   Mary was also frail and had become very forgetful.  In a phone conversation with my brother he told me that he had been down two weeks earlier to check on them and they were physically frail but their mental status was OK.

My brother and I had several conversations with my mother over the next several moths about moving into a retirement home or assisted living home.   Mother was not open to this idea.  My brother and I wanted to honor her desire to stay where her friends were as oppose to moving her to be near one of us.   My brother lives only three hours away, so we were willing to consider this arrangement.  Mother did tell us that if she ever did move into a retirement home she wanted to move to the Le De House because she knew the owner and  she provided  great care to the ladies that lived there.

An Unexpected Hospital Admission Tips the Scales

In December 2009 mother and Mary were faced with many challenges.  That month my mother’s car caught on fire as she was driving to the drug store.   A few days later Mary had an unexpected admission to the hospital and my mother was faced with staying at her apartment by herself.  At this point mother was overwhelmed with all the challenges she was facing.  During a phone call (I live out of state) late one night mother did agree to move to Ann’s (owner of Le De House) on a temporary arrangement.   As soon as I got off the phone with my mother I called Ann.  With my mother’s approval Ann went to her apartment at 10:00 PM that night and brought my mother back to her house.   For the first time in months my brother and I knew that our mother was safe.

Two week later Mary was ready for discharge from the hospital and her doctor told her she needed more support than she had at home.  My brother and I now had the unpleasant task of telling our mother that she and Mary would have to live at LeDe house permanently.   Fortunately, Ann was able to accommodate both of them.   Ann was a gift sent from God in helping with this transition.  The first few months were a time for adjustment.  My brother and I were happy to have our mother and Mary living in a home where they were well care for and loved by the staff,

A New Chapter in Our Lives

My brother and I spent part of Christmas 2009 closing down our mother’s apartment, closing that chapter in her life and our life.  It was a very difficult time for all of us.  Again, thanks to Ann and her staff we all survived and even began to move forward.

Living at Le De House mother’s medications are supervised, she enjoys delicious meals and receives the personal care  a ninety-three year old lady needs, resulting in her return to a more active life style (but not driving).  She goes to her bridge club on Mondays, has weekly beauty shop appointments, attends church on Sundays and enjoys going to restaurants and visiting with friends.

A Norman Rockwell Christmas Scene

Rockwell-XmasA few days before Christmas (2010) my wife and I flew to Washington, D.C. to spend the holiday with our daughter and her family.   We had planned for all of us to spend Christmas Evening with mother and Mary.   We were unable to keep those plans as my wife and I became very ill with the flu on Christmas.  However, our daughter, her husband and three children did meet my brother at LeDe House and celebrated a wonderful Christmas Evening with mother and Mary.

Our daughter said that Ann’s house was decorated inside and outside like a Norman Rockwell Christmas scene.  When they arrived the staff went upstairs to help GeGe (the name her granddaughter and great- grandchildren call her) walk down the stair case and into the Dinning Room.  The Dinning Room was set for a spectacular Christmas meal, with two tables of appetizers, three tables of special Christmas entrees, and a table of deserts.

My mother is at a point where she can no longer decorate a house or prepare a big Christmas Dinner.  However, the staff at LeDe House brought back fond memories of Christmas past and created memories of a special Christmas with GeGe.   As the evening came to a close my mother became very tired, the staff assisted her back to her room and helped her prepare for bed.

Mother was so happy to have celebrated Christmas with her family.   She was able to do so with dignity, grace and hospitality thanks to Ann and her staff.

The Challenges That  Children of Aging Parents Face

As part of the “Sandwich Generation” ourselves my brother and I faced some difficult challenges with my mother.  There are no “off the shelf” solutions. For those of you who are children of aging parents I suggest you discuss all of the options open to you with your parents well in advance of the situation turning into a crisis. Don’t leave it too late like my brother and I did. Take special consideration of your parents personal  wishes. Involve people your parents respect in the conversation such as a primary care physician or pastor. It helps to have a supporting voice outside of the immediate family. Do your research well on assisted living or retirement facilities, get a feel for the people who would be taking care of your parents and make sure all their needs will be met within the budget you have.

As you can see the outcome ended well for my mother and Mary. They have found a new lease on life and are extremely well cared for. Assisted living was an excellent solution for our mother and can be too for your parents.

Top Ten Suggested Admission Requirements

Do You Qualify for an Independent Living Retirement Community?

Happy Senior Playing Cards I’m often asked by people researching independent living retirement communities whether they actually qualify for residency. It’s an excellent question so I’ve compiled my Top Ten List of Admission Requirements. It’s general in nature so be sure and check with your prospective independent living retirement community for any specific criteria they may have.

  1. Must be 55 years of age or older
  2. Ambulate independently or with the aid of a cane/walker without the reliance of a wheelchair
  3. Be able to manage independently all routine aspects of daily living including bathing, dressing,appropriate personal hygiene and medication management
  4. Must be able to function independently in a community setting
  5. Live harmoniously with neighbors and be respectful of staff
  6. Need to have good decision making skills pertaining to personal well being
  7. Must be able to oversee personal financial matters
  8. Must not have any health problems that would be harmful to other residents
  9. Must have the financial resources to cover the cost of living at the retirement community

You may have noticed I only managed nine so as soon as I think of a tenth I’ll add it to the list!

Cielo Azul Independent Living

Cielo Azul is a fine example of a planned independent living retirement community. Our mission is to meet the physical, social and psychological needs, and contribute to the health, security sense of purpose and happiness of each and every resident. If you need any further information about Cielo Azul please contact us.We’d be very happy to hear from you.

Choosing Senior Housing to Meet Your Needs

There are a variety of options for senior housing and here are the top four:

Independent Living

Independent Living is for seniors who are self-sufficient and are able to live independently in an apartment or home usually within a retirement community.  Seniors living in a retirement community enjoy the privacy of living in their own apartment or condo in addition to the security, activities and full services of a retirement community.  Additional services are available when needed to help meet the resident’s needs.

Assisted Living

Assisted Living is available in numerous types of facilities for residents who have minimal health problems and are in need of help with personal care assistance, meal preparation, bathing, dressing and supervision of medications.   Assisted Living Facilities can range from congregate care homes for seniors usually with less than ten residents to large Assisted Living Facilities with private apartments, and fifty or more residents offering a full option of services and activities.

Nursing Home

A Nursing Home or Skilled Nursing Facility provides nursing care up to twenty-four hours a day for residents with chronic illness or long term disabilities.  Nursing Homes also provide short term rehabilitation therapy.   Nursing Homes offers both temporary and long term stays.  Seniors may need to go to a nursing home for care and rehab following a hospitalization, surgery or stroke and then return home.  In other situations a senior may need to consider a long term stay for the continued services and care they need.

Memory Impaired Facility

A Memory Impaired Facility is for seniors who are experiencing a major short or long term memory loss.  This type of facility provides a secure environment with staff twenty four hours a day to provide help and support to the residents.  Limited nursing care may also be provided.  Often seniors diagnosed with advanced Alzheimer’s or other forms of memory loss will benefit from living in a facility that specializes in providing services to memory impaired residents.

What is a Retirement Community?

GolferWhen it’s time to consider a retirement community it can often be a daunting task researching the bewildering array of options available. The first step  is to identify what your own needs are.  You may have an independent lifestyle and want to work on your golf handicap or you may need additional services to maintain your independent lifestyle. Whatever your needs may be it is important that you choose a community that offers you the services you need at a cost within your budget.

A broad definition of a retirement community is a variety of housing options designed for people over 55 years of age and no longer in full time employment. There are three main categories:

Planned Retirement Communities

Planned Retirement Communities can consist of single family cluster housing, condominium complexes, apartment complexes, mobile home parks and manufactured home communities.  Today, the most popular model is the planned condo or apartment complex of which Cielo Azul Retirement Community is a fine example.

Services

In a planned community the condos or apartments are designed for independent living with  kitchens for meal preparations.  Planned communities will have common areas for on site social activities, health club, main dinning room, 24 hour emergency response system and scheduled transportation.  Also provided are one to two meals per day in the main dinning room, house keeping services, linen service and maintenance service.

Many planned retirement communities will offer additional support services by providing a separate Assisted Living Unit and Alzheimer’s Unit on the same campus or in the same complex as the Independent Living section.

Cost

Today, most planned retirement communities require the purchase of a home or condo, or pay a move-in fee.  The cost to buy in reflects the local real estate market for housing plus the cost of the amenities provided by the community.  These communities will also have a monthly service fee to cover the cost of services provided to the residents.  These communities are private-pay  with no government subsidies.

Congregate Housing

Congregate Housing often consist of converted private homes or small apartment complexes.

Services

Residents in Congregate Housing usually live boarding-house style by renting a bedroom with meals served in a common dining room. In apartment complexes the residents may have a small apartment with limited space for socializing. The social activities are informal and the  space is usually limited to a Living Room.

Cost

The cost of these Congregate Homes often is based on the amount of services offered to the resident and the amount of community space provided.  Usually these homes are private pay.

Subsidized Housing For Seniors

Subsidized Housing for Seniors often consist of small apartments in an apartment complex or a bedroom in a Board and Care Home.

Services

Usually in the apartment complex there are no services provided to the residents. In the board-and-care home one to two meals a day are provided.  Common area in either model  usually consist of only a small community sitting area.

Cost

Subsidized by the government and the resident must qualify for low- income assistance.