Peace of Mind: Navigating Healthcare As You Age

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Welcome to Something More with Chris Boyd.

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Chris Boyd is a certified financial planner, practitioner,

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and senior vice president and financial advisor at

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Wealth Enhancement Group, one of the nation's largest

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registered investment advisors.

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We call it Something More because we'd like

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to talk not only about those important dollar

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and cents issues, but also the quality of

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life issues that make the money matters matter.

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Here he is, your fulfillment facilitator, your partner

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in prosperity, advising clients on Cape Cod and

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across the country.

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Here's your host, Jay Christopher Boyd.

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Welcome to another edition of Something More with

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Chris Boyd.

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My name is Jeff Perry.

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I'm a financial advisor working for AMR team

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and working with Chris Boyd.

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And Chris has the well-deserved week off

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here.

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He's on vacation, so I hope he's enjoying

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himself and hopefully, I'm sure he'll listen to

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the podcast.

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He'll be back next week.

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I'm really happy to have with us for

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this episode, a very special guest, Jen Mahoney.

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Jen, welcome to the show.

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Thank you, Jeff.

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You're very welcome.

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You are the director of care management for

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LiveWell Care Management, and I wanted to have

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you on to talk about a subject that

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we often think is going to happen to

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someone else, and that's care after you retire,

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typically, as you get older.

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We always think these things are going to

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happen to someone else, and we think about

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them, we reflect on them, but it's something

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that's really super difficult to talk about and

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think about and to actually plan for.

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So you're the expert in the field, and

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thank you for joining us today.

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If you just start out by introducing yourself

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and telling us a little bit about yourself

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and your company, and we'll go from there.

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Yes, of course, Jeff.

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Thank you so much for having me today.

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I'm excited to be here and talk about

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this topic.

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A little bit about myself, I'm a master's

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level social worker.

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I'm licensed in Massachusetts and New Hampshire and

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certified in care management as well as hospice

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and palliative care, so that's what gives me

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all those fun letters after my name, that

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when people ask, I just said they could

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be made up, but they aren't, I assure

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you.

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I have been a social worker and in

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healthcare for almost 20 years now, and most

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of that time or nearly all of that

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time has been working with the elderly or

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senior population, and the bulk of that was

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about 10 years I worked in hospice.

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So now in this position as the director

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of care management at LiveWell, I've been in

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this role for almost three years now, and

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LiveWell Care Management rebranded on April 1st of

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this year, 2025.

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Prior to that, we were AZA Care Management,

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and AZA Care Management has been in the

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Boston area for over 30 years.

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We have a large team of about 10

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care managers, including myself, that are all healthcare

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professionals that have worked in the field for

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decades.

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I think I have the least amount of

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experience on the team, and we get hired

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privately by clients and families to help them

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navigate the healthcare system, which can mean a

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lot of different things, and we can be

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very flexible in that way.

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And so we were excited to switch over

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to LiveWell Care Management so that our care

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management offices throughout the country now, we all

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have the same name, LiveWell.

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So we have some offices in Houston, New

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York, San Francisco, and kind of throughout the

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country in that way.

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And that's my role.

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I kind of oversee all of the operations

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and everything going on in the office.

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So you see it all.

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You see things you expect and things that

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you don't expect, I'm sure.

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Exactly.

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So is there a typical client?

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Is there a typical scenario where people come

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to you and say, you know, we need

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help navigating this.

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I'm a retired lawyer, and before I joined

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Chris Boyd, I'd done a few things.

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And as a lawyer, I came across so

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many clients who I did their estate plan

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for.

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And then there was a medical issue.

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And not everything goes as planned, right?

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So people who might have had a healthcare

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proxy in place, maybe that person moved, or

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they had a power of attorney and that

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person passed away, or they just never got

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around to it because there are tough decisions

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to make.

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And the number one, you can correct me

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if I'm wrong, but this is just my

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narrow perspective.

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The number one challenge that I saw for

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people in this sudden healthcare setting, it may

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not be sudden, actually, if you look objectively,

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but they believe it's a sudden situation, is

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they're just not able to, for physical, cognitive,

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emotional, whatever reasons, they're just not able to

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navigate and advocate for themselves in that very

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complex world of healthcare.

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And they get, they're almost solely reliant on

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a system that is well intended, but far

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from perfect.

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Is that a common thing for you?

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Yes, absolutely.

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I think when, you know, family members call

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us, they're always surprised, you know, when they

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say, oh, well, I always assume that this

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doctor talked to that doctor and they read

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all those notes and they did all that.

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And, you know, I have to explain to

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them that yes, in a perfect world that

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does happen and providers would like that, but

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whether it's a time crunch or different systems,

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there are tons of reasons why that doesn't

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happen.

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And that's why it's so important to have

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that person advocating for you, whether, you know,

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you're able to advocate for yourself or you

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have a family member to go with you,

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because it's something that we're all going to

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need at some point, unfortunately.

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And, you know, in terms of a typical

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client, you know, I would say we probably

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have categories of typical, you know, we have

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a number of clients that come to us,

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you know, it's usually the adult children calling

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us and they say, oh, well, you know,

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you were recommended when I met with my,

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my wealth manager or my attorney.

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And, you know, mom is at home and

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she's aging and she has dementia and she's

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starting to need help, but we don't know

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how much help we don't know where to

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turn to.

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We don't know if she can stay at

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home safely.

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She has the funds to stay at home,

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but we just don't even know where to

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start and what to do.

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And, you know, they just need to kind

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of hand that over for someone to take

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on so that they can remain involved as

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a family and the care manager can kind

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of take on all of the, you know,

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the caregiver is out sick and someone has

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to run over and is alone or make

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sure that the right medications are in the

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pillbox.

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You know, it's all of those little things

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that I think people don't realize that the

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little things can really add up and end

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up being a lot.

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So.

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And this is magnified if the family member

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is not local as well.

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I mean, this can be, you know, I've

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seen cases and maybe this is typical because

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I've seen so much of it where family

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members who are not local, meaning they might

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call mom every day or every, you know,

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frequently or whatever, but they just, they just

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aren't there enough or for a long enough

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period of time or actually physically there to

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actually see the warning signs.

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Like a lot of us as we age

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are pretty good at covering, covering, you know,

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everything's fine.

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Things are great.

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Oh yeah.

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When that may not be the case.

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So do you find that a lot of

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your clients or a lot of your children

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of clients, I don't know how you'd frame

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that, but our loved ones who don't live

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in the vicinity of the person needing the

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extra help?

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Yeah, I would say that's very common.

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We have a lot of people that, you

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know, mom lives on the Cape and the

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daughter's in California and, you know, for a

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long time that works fine, you know, via

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phone calls and checking in, but at some

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point, you know, you might not realize that,

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you know, mom doesn't have any groceries in

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the house or she's not going to her

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medical appointments or, you know, whatever it might

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be, or the house is in more of

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a disarray and you know that something must

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be going on.

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And so we can kind of become the

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boots on the ground for that family member

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and report back to, you know, the family

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member across the country who presumably is acting

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as the healthcare proxy and power attorney, and

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we can help them in that way.

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We can bring the client to the appointments.

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We can follow up with reports.

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We can make sure that, you know, new

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medications are picked up and, you know, groceries

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are in the house, just anything from, you

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know, healthcare related to, you know, any other

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needs as well.

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So I would say that's a huge category

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for us as we see a lot of

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people that do live in this area and

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then, you know, their loved ones have moved

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away over time.

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Or even if they're just out in Western

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Massachusetts, you know, that's not, that's, you know,

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a few hours away, that's not, you know,

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running over to, you know, bring someone milk

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or something like that.

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You know, that's still quite a distance.

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So we get called in for those sorts

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of situations all the time.

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So let's talk about that situation.

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So if you're down here in Florida, like

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I am, and I had a loved one

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back in Massachusetts, when do I call you?

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Like, what's the right time to call you?

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Should there be, should I be calling you

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before this is needed?

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You know, if my loved one hits 90

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and everything's fine, should I be checking in

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and doing some planning?

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Or are there other signs?

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You mentioned few, but are there other things

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that would trigger that?

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What's ideal?

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So ideal is for people to pre-plan

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and to get us involved before they need

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us.

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And to meet that demand, we do have

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what we call our peace of mind program.

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And it's basically before you need the active

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care management, and you're assigned a care manager,

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and you pay a small annual fee, and

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the care manager visits quarterly, and just basically

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gets to know you.

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So they'll know, okay, your son is the

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healthcare proxy, Jeff, he's in Florida, we have

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his phone number, we'll have a conversation to

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introduce ourselves.

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And, you know, just kind of becoming enmeshed

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00:10:10,380 --> 00:10:13,300
in who the person is, how they're doing,

271
00:10:13,520 --> 00:10:15,380
so that we're ready to act and already

272
00:10:15,380 --> 00:10:17,880
familiar with the person and familiar with the

273
00:10:17,880 --> 00:10:18,180
house.

274
00:10:18,200 --> 00:10:20,200
So we know that, you know, if there's

275
00:10:20,200 --> 00:10:22,540
a mobility issue after the hospital, can they

276
00:10:22,540 --> 00:10:23,360
return home?

277
00:10:23,380 --> 00:10:25,060
Or do we have to bring in, you

278
00:10:25,060 --> 00:10:27,360
know, grab bars or whatever other equipment there

279
00:10:27,360 --> 00:10:27,580
is?

280
00:10:28,100 --> 00:10:30,440
So that's what, that would, I'd say, be

281
00:10:30,440 --> 00:10:31,780
our preference, of course.

282
00:10:32,380 --> 00:10:35,120
Now, I would say most people, you know,

283
00:10:35,320 --> 00:10:37,580
take in the information before they need it.

284
00:10:38,220 --> 00:10:41,680
And, you know, don't necessarily act until they

285
00:10:41,680 --> 00:10:42,380
do need it.

286
00:10:42,540 --> 00:10:44,000
And I think that's because a lot of

287
00:10:44,000 --> 00:10:46,420
people who haven't been through this, don't realize

288
00:10:46,420 --> 00:10:48,760
how much it can really become, you know,

289
00:10:48,780 --> 00:10:50,640
because this is something that, you know, family

290
00:10:50,640 --> 00:10:52,820
members do all the time for loved ones.

291
00:10:53,000 --> 00:10:54,580
And, you know, but it but it takes

292
00:10:54,580 --> 00:10:55,080
a lot.

293
00:10:55,340 --> 00:10:57,460
And, you know, especially if you're further away,

294
00:10:57,460 --> 00:10:59,380
and you're not able to, you know, run

295
00:10:59,380 --> 00:11:01,100
over to the ER, or take mom to

296
00:11:01,100 --> 00:11:02,660
the appointment or something like that.

297
00:11:02,780 --> 00:11:04,820
So we can also, you know, I would

298
00:11:04,820 --> 00:11:06,420
say the bulk of our clients, we get

299
00:11:06,420 --> 00:11:10,040
involved when there's a new diagnosis, maybe a

300
00:11:10,040 --> 00:11:13,440
new hospitalization, there's something going on, you know,

301
00:11:13,460 --> 00:11:15,580
that prompts them to say, Okay, I think

302
00:11:15,580 --> 00:11:18,160
we need care involved, or we need some

303
00:11:18,160 --> 00:11:20,400
guidance, or, you know, it's almost like they

304
00:11:20,400 --> 00:11:22,880
know that they the family knows that something

305
00:11:22,880 --> 00:11:25,260
is needed, but not even sure what and

306
00:11:25,260 --> 00:11:27,700
how much and, and where to go to.

307
00:11:28,220 --> 00:11:30,140
But they know that it's related to the

308
00:11:30,140 --> 00:11:30,660
health care.

309
00:11:30,960 --> 00:11:33,620
And, you know, oftentimes, we get people who

310
00:11:33,620 --> 00:11:34,800
want to remain at home.

311
00:11:35,380 --> 00:11:37,180
And so that's where we can come into

312
00:11:37,180 --> 00:11:39,020
play, because we can help them, you know,

313
00:11:39,040 --> 00:11:41,880
locate the right resources and oversee the caregivers

314
00:11:41,880 --> 00:11:43,980
in place and everything like that.

315
00:11:44,100 --> 00:11:48,580
So ideally, ahead of time, but realistically, it's

316
00:11:48,580 --> 00:11:48,840
not.

317
00:11:49,600 --> 00:11:51,540
Well, the other benefit from my point of

318
00:11:51,540 --> 00:11:55,320
view of the early inquiry is that you

319
00:11:55,320 --> 00:11:58,160
get the caregiver, your team gets to build

320
00:11:58,160 --> 00:12:00,680
a relationship with the loved one.

321
00:12:01,260 --> 00:12:04,660
And so when it is time for heavier,

322
00:12:04,760 --> 00:12:08,780
heavier involvement and more detailed assistance, it's like

323
00:12:08,780 --> 00:12:11,380
almost like a friend or someone you're familiar

324
00:12:11,380 --> 00:12:15,000
with, it's the adoption or the willingness for

325
00:12:15,000 --> 00:12:16,740
the loved one to receive the help must

326
00:12:16,740 --> 00:12:20,780
be tremendously increased by having that relationship prior

327
00:12:20,780 --> 00:12:23,400
to someone meeting them in the hospital, for

328
00:12:23,400 --> 00:12:23,760
example.

329
00:12:24,800 --> 00:12:25,900
Yes, absolutely.

330
00:12:26,120 --> 00:12:28,820
And that ends up being extremely helpful.

331
00:12:29,600 --> 00:12:31,720
The flip side of that, too, is that

332
00:12:31,720 --> 00:12:33,600
even when if the families want us to

333
00:12:33,600 --> 00:12:37,360
be involved, sometimes the individual themselves are not

334
00:12:37,360 --> 00:12:38,300
open to it.

335
00:12:38,640 --> 00:12:40,620
And they aren't ready for it.

336
00:12:40,760 --> 00:12:45,080
And that's another another element and curveball that

337
00:12:45,080 --> 00:12:46,840
gets added to the scenario as well.

338
00:12:46,840 --> 00:12:49,200
Yeah, it's almost a for some people.

339
00:12:49,400 --> 00:12:50,720
And I want to talk about the people

340
00:12:50,720 --> 00:12:52,540
who call on their own.

341
00:12:52,600 --> 00:12:55,220
But in the situation that we're scenario we're

342
00:12:55,220 --> 00:12:56,800
talking about, for some people, I've seen it

343
00:12:56,800 --> 00:13:01,980
become almost adversarial between the person, the social

344
00:13:01,980 --> 00:13:04,920
worker or the person trying to provide assistance

345
00:13:04,920 --> 00:13:06,920
and the person needing assistance.

346
00:13:06,920 --> 00:13:09,080
They don't view it as help because they're

347
00:13:09,080 --> 00:13:09,900
not ready for it.

348
00:13:09,960 --> 00:13:13,240
So anything is anything done before, whether it's

349
00:13:13,240 --> 00:13:16,500
financial planning, estate planning, care planning.

350
00:13:17,420 --> 00:13:20,620
It's really a gift to do it before

351
00:13:20,620 --> 00:13:21,880
for so many reasons.

352
00:13:22,080 --> 00:13:23,780
But but there are those people who actually

353
00:13:23,780 --> 00:13:24,700
don't have anyone.

354
00:13:24,700 --> 00:13:25,000
Right.

355
00:13:25,040 --> 00:13:27,380
So they're they're trying to live their whole

356
00:13:27,380 --> 00:13:30,420
life alone or they've lost their spouse a

357
00:13:30,420 --> 00:13:32,760
number of years ago and they don't have

358
00:13:32,760 --> 00:13:35,240
someone that they feel they can count on

359
00:13:35,240 --> 00:13:39,260
or the famous famous verbiage is I don't

360
00:13:39,260 --> 00:13:39,960
want to be a burden.

361
00:13:40,420 --> 00:13:42,280
I'm not going to call my daughter in

362
00:13:42,280 --> 00:13:44,220
Georgia because I don't want her to worry.

363
00:13:44,320 --> 00:13:45,540
I'm not going to call my son in

364
00:13:45,540 --> 00:13:45,800
Kansas.

365
00:13:45,960 --> 00:13:47,060
I don't want him to rush out here.

366
00:13:47,080 --> 00:13:47,980
He's got his own life.

367
00:13:48,600 --> 00:13:51,840
So if someone's in that situation, what's your

368
00:13:51,840 --> 00:13:54,420
best advice when maybe they should call and

369
00:13:54,420 --> 00:13:57,560
say, can you help me?

370
00:13:58,240 --> 00:14:00,840
Yeah, I would say those situations, it's definitely

371
00:14:00,840 --> 00:14:03,380
very beneficial if they're open to the care

372
00:14:03,380 --> 00:14:06,640
management for the reason, like you mentioned, the

373
00:14:06,640 --> 00:14:09,220
relationship building and really getting to know that

374
00:14:09,220 --> 00:14:09,660
person.

375
00:14:10,100 --> 00:14:12,840
So it's not a stranger coming in bedside

376
00:14:12,840 --> 00:14:15,620
that you're meeting in the hospital when, you

377
00:14:15,620 --> 00:14:17,180
know, you just had a bad fall and

378
00:14:17,180 --> 00:14:20,240
you're a little disoriented and and that's when

379
00:14:20,240 --> 00:14:22,100
you haven't talked to the family before and

380
00:14:22,100 --> 00:14:23,000
everything like that.

381
00:14:23,100 --> 00:14:26,500
So it's definitely helpful to to put that

382
00:14:26,500 --> 00:14:28,240
in place ahead of time if the person

383
00:14:28,240 --> 00:14:29,180
is open to it.

384
00:14:29,780 --> 00:14:31,160
Most of the time we see that, you

385
00:14:31,160 --> 00:14:34,360
know, whether it's the adult children or the

386
00:14:34,360 --> 00:14:38,120
client themselves, but there's some resistance to some

387
00:14:38,120 --> 00:14:39,060
level there.

388
00:14:39,300 --> 00:14:41,560
And we meet that a lot and we

389
00:14:41,560 --> 00:14:43,700
deal with that a lot and can deal

390
00:14:43,700 --> 00:14:44,120
with that.

391
00:14:44,800 --> 00:14:46,360
And one of the ways that we deal

392
00:14:46,360 --> 00:14:48,420
with that is actually, you know, I tell

393
00:14:48,420 --> 00:14:51,220
family members all the time that sometimes hearing

394
00:14:51,220 --> 00:14:53,360
the same thing that your daughter might tell

395
00:14:53,360 --> 00:14:56,220
you, hearing it from a professional sounds different

396
00:14:56,220 --> 00:14:59,320
to people, you know, because regardless of how

397
00:14:59,320 --> 00:15:01,120
old you are, you're still the son or

398
00:15:01,120 --> 00:15:01,400
daughter.

399
00:15:01,720 --> 00:15:04,640
And to hear it from a professional other

400
00:15:04,640 --> 00:15:07,600
times will get the doctor involved because to

401
00:15:07,600 --> 00:15:09,580
hear it from a doctor is really helpful

402
00:15:09,580 --> 00:15:10,100
as well.

403
00:15:10,980 --> 00:15:12,340
And so we try to use all those

404
00:15:12,340 --> 00:15:15,560
little tools to get the people the care

405
00:15:15,560 --> 00:15:18,660
that they need to remain safe and help

406
00:15:18,660 --> 00:15:20,900
them understand that we're on their team and

407
00:15:20,900 --> 00:15:23,340
that we want them to remain independent but

408
00:15:23,340 --> 00:15:24,500
safely independent.

409
00:15:24,780 --> 00:15:26,220
And what does that look like and what

410
00:15:26,220 --> 00:15:26,880
do they want?

411
00:15:27,840 --> 00:15:29,840
So as far as the scope of services

412
00:15:29,840 --> 00:15:32,140
that you might provide, if someone is living

413
00:15:32,140 --> 00:15:34,040
alone or there's a family member either side

414
00:15:34,040 --> 00:15:37,480
now and it's at least an agreement between

415
00:15:37,480 --> 00:15:40,640
the family that maybe mom, it's usually mom,

416
00:15:40,840 --> 00:15:43,480
maybe mom needs to go to some type

417
00:15:43,480 --> 00:15:45,140
of other residential setting.

418
00:15:46,160 --> 00:15:47,340
Do you help with that?

419
00:15:47,440 --> 00:15:49,280
Because I know there's so, I have friends

420
00:15:49,280 --> 00:15:50,980
who work in the industry and, you know,

421
00:15:51,020 --> 00:15:54,120
they are very, they're two close friends and

422
00:15:54,120 --> 00:15:55,820
they're very, you know, they're friends where they

423
00:15:55,820 --> 00:15:56,640
tell me the truth.

424
00:15:56,820 --> 00:15:59,660
And there's very different types of facilities out

425
00:15:59,660 --> 00:16:00,000
there.

426
00:16:00,400 --> 00:16:03,900
And there's different types of aggregating sites that

427
00:16:03,900 --> 00:16:06,320
you might see on TV that really are

428
00:16:06,320 --> 00:16:08,360
just kind of a referral service to a

429
00:16:08,360 --> 00:16:09,380
feeder institution.

430
00:16:10,240 --> 00:16:13,540
So it's the system, if you will, moving

431
00:16:13,540 --> 00:16:16,260
on to that next residential setting isn't as

432
00:16:16,260 --> 00:16:18,540
uniform as people might think.

433
00:16:18,700 --> 00:16:20,780
And it's not always designed for the best

434
00:16:20,780 --> 00:16:22,940
interest of the resident.

435
00:16:23,460 --> 00:16:25,700
So is this something that you help like

436
00:16:25,700 --> 00:16:28,240
location, quality, cost?

437
00:16:28,940 --> 00:16:29,320
Yes.

438
00:16:29,940 --> 00:16:30,220
Yep.

439
00:16:30,260 --> 00:16:31,620
We help with all of that.

440
00:16:32,260 --> 00:16:35,340
You know, when that typically happens, it's usually,

441
00:16:35,500 --> 00:16:37,380
you know, after the person's been at home

442
00:16:37,380 --> 00:16:39,220
because their first goal was to remain at

443
00:16:39,220 --> 00:16:39,500
home.

444
00:16:39,960 --> 00:16:41,860
And then, you know, someone along the lines

445
00:16:41,860 --> 00:16:44,480
decides, okay, we want to, you know, move

446
00:16:44,480 --> 00:16:46,820
this person or the person themselves wants to

447
00:16:46,820 --> 00:16:47,100
move.

448
00:16:47,560 --> 00:16:49,740
And then, you know, from there we can

449
00:16:49,740 --> 00:16:51,860
assess their level of care to figure out,

450
00:16:51,920 --> 00:16:53,720
okay, do they need independent living?

451
00:16:53,900 --> 00:16:54,900
Is it assisted living?

452
00:16:55,240 --> 00:16:56,260
Is it memory care?

453
00:16:56,460 --> 00:16:58,320
Is it nursing home care?

454
00:16:58,560 --> 00:17:00,320
You know, to figure out where we're looking,

455
00:17:00,460 --> 00:17:02,060
because then we can kind of break down,

456
00:17:02,460 --> 00:17:04,140
okay, what are you looking for?

457
00:17:04,200 --> 00:17:05,700
A lot of people like the idea of

458
00:17:05,700 --> 00:17:08,720
the large campus, the continuing care retirement community,

459
00:17:08,960 --> 00:17:11,520
where you have almost all of those levels

460
00:17:11,520 --> 00:17:12,020
of care.

461
00:17:12,819 --> 00:17:15,220
And, you know, that's very beneficial because then,

462
00:17:15,400 --> 00:17:17,119
you know, you're going off campus if you

463
00:17:17,119 --> 00:17:18,460
have to go to the hospital, but then

464
00:17:18,460 --> 00:17:20,640
you could be using the nursing home back

465
00:17:20,640 --> 00:17:21,020
there.

466
00:17:21,300 --> 00:17:23,760
And, you know, you're already in the system

467
00:17:23,760 --> 00:17:25,880
and familiar with people and, you know, you're

468
00:17:25,880 --> 00:17:27,119
going to be on a different wing or

469
00:17:27,119 --> 00:17:28,900
in a different building, but it's still the

470
00:17:28,900 --> 00:17:29,760
same system.

471
00:17:30,360 --> 00:17:32,900
And then there are other people who, you

472
00:17:32,900 --> 00:17:35,160
know, have other things that are important to

473
00:17:35,160 --> 00:17:35,400
them.

474
00:17:35,560 --> 00:17:38,480
You know, sometimes it's strictly based on geography

475
00:17:38,480 --> 00:17:40,480
and, you know, you want to make sure

476
00:17:40,480 --> 00:17:42,800
that it's fair between the two children so

477
00:17:42,800 --> 00:17:44,020
that everyone can get there.

478
00:17:44,060 --> 00:17:45,940
And so you're picking a place, you know,

479
00:17:46,020 --> 00:17:47,660
off a highway that has a lot of

480
00:17:47,660 --> 00:17:51,340
good, you know, levels of care that another

481
00:17:51,340 --> 00:17:53,240
one that we deal with a lot is

482
00:17:53,240 --> 00:17:54,960
married couples that come to us.

483
00:17:55,160 --> 00:17:58,200
And, you know, so married couples can many

484
00:17:58,200 --> 00:18:00,180
times be at different levels of care.

485
00:18:00,400 --> 00:18:03,680
Maybe one person is independent living and the

486
00:18:03,680 --> 00:18:05,620
other person is nearing memory care.

487
00:18:05,780 --> 00:18:07,200
And so they really need assistance.

488
00:18:07,540 --> 00:18:10,060
And so, you know, we're familiar with facilities,

489
00:18:10,320 --> 00:18:12,520
you know, most facilities would have, you know,

490
00:18:12,560 --> 00:18:15,160
only one level of care per room, but

491
00:18:15,160 --> 00:18:17,800
there are facilities that do have, you can

492
00:18:17,800 --> 00:18:19,560
have a married couple in the room where

493
00:18:19,560 --> 00:18:22,000
one is independent and one is assisted living.

494
00:18:22,900 --> 00:18:24,240
And, you know, so you're able to keep

495
00:18:24,240 --> 00:18:25,520
the people together that way.

496
00:18:25,900 --> 00:18:27,920
Then there's other married couples that, you know,

497
00:18:28,060 --> 00:18:30,180
whether it's the disease process or just the

498
00:18:30,180 --> 00:18:32,700
personalities where the family says, no, we want

499
00:18:32,700 --> 00:18:33,660
to separate them.

500
00:18:33,900 --> 00:18:36,140
And, you know, so we're just used to

501
00:18:36,140 --> 00:18:39,200
taking whatever the situation is and finding the

502
00:18:39,200 --> 00:18:39,660
right fit.

503
00:18:39,720 --> 00:18:41,580
And we're very familiar with all of the

504
00:18:41,580 --> 00:18:42,660
facilities in the area.

505
00:18:43,160 --> 00:18:46,220
Fortunately, there are tons of different facilities in

506
00:18:46,220 --> 00:18:48,340
this area, but at the same time for

507
00:18:48,340 --> 00:18:51,300
families, unfortunately, there are so many different facilities

508
00:18:51,300 --> 00:18:52,040
in the area.

509
00:18:52,500 --> 00:18:54,720
And how do you know as a one

510
00:18:54,720 --> 00:18:55,500
-time consumer?

511
00:18:56,300 --> 00:18:57,880
Exactly, exactly.

512
00:18:58,000 --> 00:19:00,020
So you don't know, you know, the reputation

513
00:19:00,020 --> 00:19:03,100
and what's important to that facility and, you

514
00:19:03,100 --> 00:19:06,640
know, the, you know, religious affiliations and all

515
00:19:06,640 --> 00:19:09,180
of those things, you know, come up and

516
00:19:09,180 --> 00:19:11,400
then we locate the right, the right place

517
00:19:11,400 --> 00:19:11,920
for them.

518
00:19:12,040 --> 00:19:14,020
We'll set up the tours, we'll bring them

519
00:19:14,020 --> 00:19:16,120
on the tours and, you know, really make

520
00:19:16,120 --> 00:19:17,980
sure that it's the right fit for them

521
00:19:17,980 --> 00:19:19,360
before they move there.

522
00:19:19,780 --> 00:19:21,520
And talk about the future of, you know,

523
00:19:21,580 --> 00:19:23,960
okay, if you, if you decline, then you

524
00:19:23,960 --> 00:19:25,660
can move to the assisted living here.

525
00:19:25,880 --> 00:19:26,740
But if you had to go to a

526
00:19:26,740 --> 00:19:28,560
nursing home, you'd have to go to another

527
00:19:28,560 --> 00:19:29,180
location.

528
00:19:29,400 --> 00:19:30,740
So that would be another move.

529
00:19:30,860 --> 00:19:32,780
And, you know, kind of weighing all those

530
00:19:32,780 --> 00:19:35,880
different options and moves and everything that goes

531
00:19:35,880 --> 00:19:36,420
into it.

532
00:19:36,680 --> 00:19:40,000
So your services don't end with that placement,

533
00:19:40,060 --> 00:19:40,740
I would assume.

534
00:19:41,760 --> 00:19:42,120
Correct.

535
00:19:42,720 --> 00:19:42,900
Yeah.

536
00:19:43,020 --> 00:19:45,120
Because one of the problems, I'm glad, I'm

537
00:19:45,120 --> 00:19:46,340
glad that you said that, because one of

538
00:19:46,340 --> 00:19:49,180
the problems that I see from, well, not

539
00:19:49,180 --> 00:19:50,760
so much, not from my own experience, but

540
00:19:50,760 --> 00:19:53,300
from my friend's experience, is that someone will

541
00:19:53,300 --> 00:19:56,320
move to a, say, an assisted living facility

542
00:19:56,320 --> 00:19:57,920
that just has assisted living.

543
00:19:58,880 --> 00:20:01,540
And that their level of care is fine

544
00:20:01,540 --> 00:20:02,200
for a while.

545
00:20:03,060 --> 00:20:05,020
And then it isn't.

546
00:20:05,080 --> 00:20:08,800
And the facility, I'm told, isn't always eager

547
00:20:08,800 --> 00:20:10,340
to move that person along.

548
00:20:11,400 --> 00:20:13,440
Because it means that person's leaving there.

549
00:20:14,260 --> 00:20:14,820
Business.

550
00:20:15,520 --> 00:20:15,980
Right.

551
00:20:16,100 --> 00:20:17,840
And so that level of care isn't always

552
00:20:17,840 --> 00:20:20,420
matched up to what they're getting to what

553
00:20:20,420 --> 00:20:21,440
they now need.

554
00:20:21,720 --> 00:20:23,440
Is that true in your experience?

555
00:20:24,320 --> 00:20:26,720
I think that facilities definitely try to be

556
00:20:26,720 --> 00:20:28,860
very transparent with people.

557
00:20:29,660 --> 00:20:32,520
I think there can be resistance on both

558
00:20:32,520 --> 00:20:34,380
sides for different reasons.

559
00:20:34,620 --> 00:20:35,020
That's fair.

560
00:20:35,380 --> 00:20:35,540
Yeah.

561
00:20:35,960 --> 00:20:38,300
And, you know, I would say, and that's

562
00:20:38,300 --> 00:20:40,840
why, you know, you mentioned, do we remain

563
00:20:40,840 --> 00:20:42,200
involved when the person moves?

564
00:20:42,280 --> 00:20:44,840
And we do, we certainly prefer to, but

565
00:20:44,840 --> 00:20:45,920
it's always up to the family.

566
00:20:46,120 --> 00:20:47,780
If they say, okay, we're all set, then,

567
00:20:48,020 --> 00:20:50,380
you know, we'll certainly end services.

568
00:20:50,580 --> 00:20:52,480
But, you know, we like to be involved

569
00:20:52,480 --> 00:20:55,160
because a lot of times families don't realize

570
00:20:55,160 --> 00:20:57,480
that, you know, the assisted living or wherever

571
00:20:57,480 --> 00:21:00,360
you're moving mom, they can handle a lot.

572
00:21:00,700 --> 00:21:02,920
You know, they'll, they're there 24 seven, they'll

573
00:21:02,920 --> 00:21:04,200
handle all their needs.

574
00:21:04,440 --> 00:21:07,740
They'll, you know, their meals, activities, everything like

575
00:21:07,740 --> 00:21:08,060
that.

576
00:21:08,420 --> 00:21:10,700
But, you know, let's say, you know, mom's

577
00:21:10,700 --> 00:21:12,500
in a facility in Newton and all of

578
00:21:12,500 --> 00:21:15,240
her family is in Florida and, you know,

579
00:21:15,260 --> 00:21:17,920
she's running out of, you know, clothing, she

580
00:21:17,920 --> 00:21:19,880
needs summer clothing and, you know, it got

581
00:21:19,880 --> 00:21:22,260
lost in the laundry or, you know, more

582
00:21:22,260 --> 00:21:24,720
importantly, she's, you know, heading to the ER

583
00:21:24,720 --> 00:21:26,980
and, you know, they're, they, they're not able

584
00:21:26,980 --> 00:21:29,320
to send someone from the facility because it's

585
00:21:29,320 --> 00:21:31,780
just physically impossible, unfortunately.

586
00:21:32,060 --> 00:21:34,340
And those are times where having a care

587
00:21:34,340 --> 00:21:36,940
manager, you know, that already has a relationship

588
00:21:36,940 --> 00:21:39,360
and can, can go into action for the

589
00:21:39,360 --> 00:21:39,840
family.

590
00:21:40,260 --> 00:21:42,380
You know, it ends up being really beneficial

591
00:21:42,380 --> 00:21:44,080
for those sorts of things that you don't

592
00:21:44,080 --> 00:21:45,780
really think of and don't come up every

593
00:21:45,780 --> 00:21:48,120
day, but it's helpful to kind of have

594
00:21:48,120 --> 00:21:50,340
someone in the background for that.

595
00:21:50,660 --> 00:21:51,740
Yeah, absolutely.

596
00:21:52,200 --> 00:21:56,660
I've been pigeonholing you into certain areas, not

597
00:21:56,660 --> 00:21:58,620
on purpose, but why don't you share with

598
00:21:58,620 --> 00:22:03,020
other, other opportunities or places that your company

599
00:22:03,020 --> 00:22:05,100
provides services that we might not be talking

600
00:22:05,100 --> 00:22:05,820
about so far?

601
00:22:06,680 --> 00:22:06,820
Yeah.

602
00:22:06,900 --> 00:22:08,860
So I would say in care management, the

603
00:22:08,860 --> 00:22:10,620
bulk, just the fact that we deal with

604
00:22:10,620 --> 00:22:14,980
healthcare and oftentimes healthcare becomes more complicated as

605
00:22:14,980 --> 00:22:15,540
we age.

606
00:22:15,620 --> 00:22:17,840
And so the bulk of our clients end

607
00:22:17,840 --> 00:22:20,060
up being, you know, the older adults, but

608
00:22:20,060 --> 00:22:22,940
we do also deal with, you know, adults

609
00:22:22,940 --> 00:22:23,900
and younger people.

610
00:22:24,580 --> 00:22:26,620
So we've had a number of people that

611
00:22:26,620 --> 00:22:29,520
have mental health disorders that we're helping them

612
00:22:29,520 --> 00:22:31,380
manage their care and they just need a

613
00:22:31,380 --> 00:22:33,700
little more guidance and a little more handholding.

614
00:22:33,900 --> 00:22:35,820
And we're able to help them with that.

615
00:22:36,380 --> 00:22:39,120
We've also had a number of couples that

616
00:22:39,120 --> 00:22:41,000
are aging come to us and they don't

617
00:22:41,000 --> 00:22:43,180
need help yet, but they have a child

618
00:22:43,180 --> 00:22:45,680
with autism that's in their twenties or thirties

619
00:22:45,680 --> 00:22:48,600
and they have support and they have services

620
00:22:48,600 --> 00:22:50,520
and they have a sibling to serve as

621
00:22:50,520 --> 00:22:51,300
a healthcare proxy.

622
00:22:51,980 --> 00:22:53,860
But mom and dad have essentially been the

623
00:22:53,860 --> 00:22:56,520
care manager and have all these binders from

624
00:22:56,520 --> 00:22:59,780
decades of, you know, doctors and treatment and

625
00:22:59,780 --> 00:23:02,000
follow-up, and they want to be able

626
00:23:02,000 --> 00:23:03,280
to hand that off to someone.

627
00:23:03,440 --> 00:23:04,920
And so that's where they end up bringing

628
00:23:04,920 --> 00:23:07,940
in a care manager to eventually, you know,

629
00:23:08,000 --> 00:23:10,060
kind of take over for them and help

630
00:23:10,060 --> 00:23:10,860
them in that way.

631
00:23:11,000 --> 00:23:12,860
So, you know, it ends up being more

632
00:23:12,860 --> 00:23:15,300
of the older adult population, but it's not

633
00:23:15,300 --> 00:23:18,720
strictly the, you know, older, anything with healthcare

634
00:23:18,720 --> 00:23:21,020
related needs we're able to assist with.

635
00:23:21,600 --> 00:23:25,560
Now that's, I hadn't contemplated that, but, you

636
00:23:25,560 --> 00:23:27,180
know, if you do have a child in

637
00:23:27,180 --> 00:23:29,760
your care that needs lifelong care after you're

638
00:23:29,760 --> 00:23:33,540
gone, sometimes a professional is the best option.

639
00:23:34,760 --> 00:23:37,540
In the beginning, Jen, I talked about advocacy

640
00:23:37,540 --> 00:23:39,780
and maybe a hospital setting.

641
00:23:40,140 --> 00:23:41,360
How deep does that go?

642
00:23:41,600 --> 00:23:46,480
Can someone who is, doesn't have someone to

643
00:23:46,480 --> 00:23:49,860
name as their healthcare proxy, which surprisingly, you

644
00:23:49,860 --> 00:23:51,980
know, as a former lawyer, I was surprised

645
00:23:51,980 --> 00:23:53,300
by the number of people who would say,

646
00:23:53,420 --> 00:23:54,140
I have no one.

647
00:23:54,440 --> 00:23:56,560
There's no one I want to trust with

648
00:23:56,560 --> 00:23:56,900
this.

649
00:23:57,420 --> 00:24:00,340
Is that a role that your company takes

650
00:24:00,340 --> 00:24:00,640
on?

651
00:24:01,560 --> 00:24:04,420
So it can be, we're very careful about

652
00:24:04,420 --> 00:24:04,980
that role.

653
00:24:05,820 --> 00:24:09,380
I would say that we usually will ask

654
00:24:09,380 --> 00:24:12,040
the person, you know, okay, well, is there,

655
00:24:12,520 --> 00:24:14,400
you know, because oftentimes they think, you know,

656
00:24:14,400 --> 00:24:16,160
the person has to be nearby them.

657
00:24:16,440 --> 00:24:18,080
And, you know, so we had one that

658
00:24:18,080 --> 00:24:19,760
we took on recently that she said she

659
00:24:19,760 --> 00:24:20,520
had no one.

660
00:24:21,000 --> 00:24:22,340
And it turns out she had a sister

661
00:24:22,340 --> 00:24:22,920
in Italy.

662
00:24:23,540 --> 00:24:25,920
And yes, that's not ideal, but, you know,

663
00:24:25,940 --> 00:24:28,040
if we're aware of the time difference and,

664
00:24:28,220 --> 00:24:29,920
you know, all of that, that person can

665
00:24:29,920 --> 00:24:31,940
still be the healthcare proxy and we can

666
00:24:31,940 --> 00:24:34,300
be the person, the boots on the ground,

667
00:24:34,820 --> 00:24:37,400
guiding them and educating and supporting them along

668
00:24:37,400 --> 00:24:37,660
the way.

669
00:24:37,700 --> 00:24:39,820
So they're more comfortable with the decision-making

670
00:24:39,820 --> 00:24:42,280
in terms of, you know, the decisions that

671
00:24:42,280 --> 00:24:43,680
they have to make at that time.

672
00:24:44,460 --> 00:24:46,180
You know, I would say that it's never

673
00:24:46,180 --> 00:24:48,240
a hard no, it would depend on the

674
00:24:48,240 --> 00:24:49,040
circumstances.

675
00:24:50,240 --> 00:24:52,360
You know, we definitely want to give people

676
00:24:52,360 --> 00:24:53,900
the resources that they need.

677
00:24:54,340 --> 00:24:56,520
And there are also a couple of resources

678
00:24:56,520 --> 00:24:58,940
out there for people that either are in

679
00:24:58,940 --> 00:25:01,940
need of a power of attorney, via professionals

680
00:25:01,940 --> 00:25:03,240
or healthcare proxy.

681
00:25:03,460 --> 00:25:06,380
So we can definitely take those individuals and

682
00:25:06,380 --> 00:25:08,120
kind of figure out like, you know, under

683
00:25:08,120 --> 00:25:10,740
the layers and figure out, okay, who can

684
00:25:10,740 --> 00:25:11,300
we have?

685
00:25:11,540 --> 00:25:12,400
Would it be us?

686
00:25:12,600 --> 00:25:13,840
And, you know, because we always want to

687
00:25:13,840 --> 00:25:15,680
make sure it's not a conflict of interest.

688
00:25:16,200 --> 00:25:18,060
So it's on the rarer side that we,

689
00:25:18,200 --> 00:25:20,100
that we will serve as a healthcare proxy,

690
00:25:20,100 --> 00:25:22,900
but it's not an impossible task.

691
00:25:23,360 --> 00:25:25,680
Well, I think the best thought about that

692
00:25:25,680 --> 00:25:28,740
is there may be someone that you individually

693
00:25:28,740 --> 00:25:31,760
think that you don't have someone, but the

694
00:25:31,760 --> 00:25:34,000
assistance from a company like yours or a

695
00:25:34,000 --> 00:25:37,180
good estate planning attorney or financial advisor is

696
00:25:37,180 --> 00:25:39,460
to help walk them through that because there

697
00:25:39,460 --> 00:25:41,580
could be someone that you're just not reflecting

698
00:25:41,580 --> 00:25:43,220
on or that.

699
00:25:43,400 --> 00:25:44,220
So that's good advice.

700
00:25:45,020 --> 00:25:47,420
We're just about running out of time, Jen.

701
00:25:47,860 --> 00:25:48,880
Am I missing anything?

702
00:25:48,980 --> 00:25:50,340
Is there a question I should have asked

703
00:25:50,340 --> 00:25:53,300
you that you wanted to answer or information

704
00:25:53,300 --> 00:25:56,520
that you wanted to depart on our listeners?

705
00:25:57,260 --> 00:26:00,300
Well, I will say that our, I don't

706
00:26:00,300 --> 00:26:02,440
think I mentioned our territory to start.

707
00:26:02,700 --> 00:26:05,280
So our, the territory is very important because

708
00:26:05,280 --> 00:26:07,920
that's where we're familiar with the resources in

709
00:26:07,920 --> 00:26:08,400
the area.

710
00:26:08,580 --> 00:26:11,620
And so right now our team covers from

711
00:26:11,620 --> 00:26:15,820
Southern New Hampshire, basically Manchester and South, all

712
00:26:15,820 --> 00:26:19,180
of Eastern Massachusetts, East of Worcester and Cape

713
00:26:19,180 --> 00:26:19,500
Cod.

714
00:26:19,620 --> 00:26:21,540
So we cover a pretty big service area

715
00:26:21,540 --> 00:26:24,020
and our care managers live throughout that territory.

716
00:26:24,560 --> 00:26:27,360
And so we can assign someone based on,

717
00:26:27,360 --> 00:26:29,420
you know, geography and what they're looking for

718
00:26:29,420 --> 00:26:30,960
and what their needs are and everything.

719
00:26:31,480 --> 00:26:33,740
And we do also have a care manager

720
00:26:33,740 --> 00:26:35,140
on call 24 seven.

721
00:26:35,740 --> 00:26:37,360
So, you know, most of the time you're

722
00:26:37,360 --> 00:26:39,600
dealing with that one person, you know, even

723
00:26:39,600 --> 00:26:42,040
if it's weekends, care managers usually prefer to

724
00:26:42,040 --> 00:26:44,000
get the calls themselves because they're the ones

725
00:26:44,000 --> 00:26:45,040
who have the relationship.

726
00:26:45,720 --> 00:26:47,420
But let's say a client goes to the

727
00:26:47,420 --> 00:26:48,740
hospital in the middle of the night and

728
00:26:48,740 --> 00:26:50,500
the ER physician needs to talk to someone,

729
00:26:50,960 --> 00:26:52,780
they can call and they can always talk

730
00:26:52,780 --> 00:26:54,360
to a care manager that can log into

731
00:26:54,360 --> 00:26:56,520
the system and, you know, figure it, figure

732
00:26:56,520 --> 00:26:58,180
out whatever it is that they need and

733
00:26:58,180 --> 00:26:59,360
guide them through that.

734
00:26:59,820 --> 00:27:00,220
Great.

735
00:27:00,780 --> 00:27:02,700
Well, it's been very informative half hour.

736
00:27:03,160 --> 00:27:05,240
How do people learn more about you if

737
00:27:05,240 --> 00:27:06,240
they'd like to check you out?

738
00:27:07,040 --> 00:27:07,640
Yeah, absolutely.

739
00:27:07,780 --> 00:27:08,920
So we do have a website.

740
00:27:09,240 --> 00:27:14,920
It's www.livewellcm.com or people can feel

741
00:27:14,920 --> 00:27:20,900
free to email me at jennifer.mahoneyatlivewellcm.com.

742
00:27:21,340 --> 00:27:23,020
And then, of course, you can always call

743
00:27:23,020 --> 00:27:27,440
our office at 617-254-9800.

744
00:27:28,200 --> 00:27:30,040
And, you know, I'm happy to talk on

745
00:27:30,040 --> 00:27:31,920
the phone with people that, you know, just

746
00:27:31,920 --> 00:27:32,640
have questions.

747
00:27:32,980 --> 00:27:35,780
There's no obligation to by any means.

748
00:27:36,400 --> 00:27:38,140
You know, I'm happy to talk to anyone.

749
00:27:39,020 --> 00:27:39,700
Well, that's great.

750
00:27:39,800 --> 00:27:41,480
I'll put that information in the show notes.

751
00:27:41,600 --> 00:27:43,020
So if you're listening and you missed that,

752
00:27:43,440 --> 00:27:45,440
you can look at the description of the

753
00:27:45,440 --> 00:27:48,180
show and Jen's contact information will be right

754
00:27:48,180 --> 00:27:48,480
there.

755
00:27:49,080 --> 00:27:50,520
Jen, thanks so much for your time.

756
00:27:50,640 --> 00:27:51,280
Thanks for what you do.

757
00:27:51,380 --> 00:27:53,720
It's a valuable service and I would encourage

758
00:27:53,720 --> 00:27:56,220
people who think they might need it to

759
00:27:56,220 --> 00:27:56,820
check you out.

760
00:27:57,520 --> 00:27:58,700
Thank you so much, Jeff.

761
00:27:58,740 --> 00:27:59,480
I appreciate it.

762
00:27:59,800 --> 00:28:01,560
And thank you for listening to another episode

763
00:28:01,560 --> 00:28:03,360
of Something More with Chris Boyd.

764
00:28:03,420 --> 00:28:04,480
Chris will be back next week.

765
00:28:04,920 --> 00:28:07,640
Until then, keep striving for something more.

766
00:28:09,140 --> 00:28:10,960
Thank you for listening to Something More with

767
00:28:10,960 --> 00:28:11,660
Chris Boyd.

768
00:28:11,960 --> 00:28:14,120
Call us for help, whether it's for financial

769
00:28:14,120 --> 00:28:18,060
planning or portfolio management, insurance concerns, or those

770
00:28:18,060 --> 00:28:20,080
quality of life issues that make the money

771
00:28:20,080 --> 00:28:21,180
matters matter.

772
00:28:21,540 --> 00:28:24,840
Whatever's on your mind, visit us at somethingmorewithchrisboyd

773
00:28:24,840 --> 00:28:28,020
.com or call us toll free at 866

774
00:28:28,020 --> 00:28:31,700
-771-8901.

775
00:28:31,780 --> 00:28:35,560
Or send us your questions to amr-info

776
00:28:35,560 --> 00:28:37,520
at wealthenhancement.com.

777
00:28:37,720 --> 00:28:39,620
You're listening to Something More with Chris Boyd

778
00:28:39,620 --> 00:28:40,480
Financial Talk Show.

779
00:28:40,580 --> 00:28:43,080
Wealth Enhancement Advisory Services and Jay Christopher Boyd

780
00:28:43,080 --> 00:28:45,400
provide investment advice on an individual basis to

781
00:28:45,400 --> 00:28:45,960
clients only.

782
00:28:46,120 --> 00:28:48,100
Proper advice depends on a complete analysis of

783
00:28:48,100 --> 00:28:49,280
all facts and circumstances.

784
00:28:49,520 --> 00:28:51,360
The information given on this program is general

785
00:28:51,360 --> 00:28:53,400
financial comments and cannot be relied upon as

786
00:28:53,400 --> 00:28:55,000
pertaining to your specific situation.

787
00:28:55,200 --> 00:28:57,160
Wealth Enhancement Group cannot guarantee that using the

788
00:28:57,160 --> 00:28:59,160
information from this show will generate profits or

789
00:28:59,160 --> 00:29:00,280
ensure freedom from loss.

790
00:29:00,480 --> 00:29:02,640
Listeners should consult their own financial advisors or

791
00:29:02,640 --> 00:29:04,740
conduct their own due diligence before making any

792
00:29:04,740 --> 00:29:05,520
financial decisions.