(Add’l speaker notes under Helene Shear Noyola’s presentation titled “Real Estate Issues Affecting Seniors”) Planning for Aging: Costs and Concerns Teresa Clasby, Investment Adviser Representative Schneider Insurance 633 S. Concord St., #300 South St. Paul, MN (651) Securities offered through Woodbury Financial Services, Inc., Member FINRA, SIPC and Registered Investment Adviser. Schneider Insurance and Woodbury Financial Services, Inc. are not affiliated entities. NOT FDIC Insured. Investments may lose value. NOT Bank Insured. NOT Insured by any government agency.

Need Care Now … Two primary options –Assisted Living –Aging at Home

Assisted Living How to Pay for Assisted Living? –Medicare ---Very Limited –Medicaid --- Possible –Medicare Supplement Insurance --- Very Limited –Govt LTC, CLASS Act --- Yes –LTC Insurance and Insurance Hybrids --- Yes –Veteran’s Benefits --- Possible –Affordable options for Privately Paying for Asst Liv

Aging at Home How to Pay for Services at Home? –Medicare --- No –Medicaid --- Possible –Medicare Supplement Insurance --- No –Govt LTC, CLASS Act --- Yes – LTC Insurance and Insurance Hybrids --- Yes –Veteran’s Benefits --- Possible –Affordable options for Privately Paying for services at home

Planning for the Future Organizing and understanding your finances Anticipating changes in your health & abilities Estimating future pressures on your financial and care resources Making informed decisions

Resources Helene Shear Noyola for assessing housing and care options for seniors and their families. (651) Regional Alzheimer’s Association for good advice about cognitive changes. (800) , Senior LinkAge Line for advice about local resources. (800) , Free copy of A Shopper’s Guide to Long-Term Care Insurance published by NAIC for consumer protection and education. (Call Teresa Clasby if you can’t locate a copy.) Real Wealth weekly radio programs and book recommend- ations on current topics at our website