June 29, 2025 • 19 mins
Joe Schmitz and Jim Everson discuss the importance of saving money, along with how Peak Retirement Planning and Care Patrol can support your needs.
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Episode Transcript
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Speaker 1 (00:00):
Schmid's peaker Timer Planning, Jim Everson with Care Patrol.
Speaker 2 (00:03):
Hey, guys, yeah, raw meat.
Speaker 1 (00:06):
This next segment, so I know something you're saying Jim
over the break was you were talking about how a
lot of times the loved ones don't want to go,
they don't want to get there help.
Speaker 2 (00:16):
Yeah, and that's you and I'll be the same way.
I mean, I think it's just natural. But you know,
I think when you really start to realize that someone
isn't safe at home, I mean we have twenty signs
that you know, a loved one may need more help,
and it could be bringing in more in home care.
But at some point when in home care, I mean,
if you have an unlimited budget because you've done a
(00:37):
great job with the client, they can afford to have
someone there twenty four to seven.
Speaker 3 (00:41):
You know, that's great.
Speaker 2 (00:42):
But a lot of families I work with can't afford,
you know, twenty twenty five thousand a month if they're
doing twenty four to seven care. So when you start
to look at it, you know, we try to, you know,
with families that are dealing with this, I mean, never promise,
you know, mom or Dad that you'll never put someone in,
you know, find them a senior living option because as
you're kind of shooting yourself in the foot because you
know what happens when they aren't safe at home and
(01:04):
I've had a fall, and you just realize if they
have memory deficits and you know all they're doing is
watching TV and eating microwave cooked meals. So you know,
those are the things that you just don't want to
walk in and see your loved one, you know that's
expired because they had a crisis.
Speaker 3 (01:20):
And you weren't there to help.
Speaker 2 (01:22):
And but you know that's the part where you know,
we again have a great guy that can help, you know,
put the other the conversation and it's more just you know,
if they go to the hospital and they have a crisis,
you kind of contract with them, Hey, if this happens,
this is one we're going to start looking for senior
living options.
Speaker 3 (01:37):
So you always get creative on you know.
Speaker 2 (01:39):
We understand you want to be at home, but you know,
once this happens, we're going to you know, start putting
a plan together, have a plan together so when that happens,
and that's why care patrols here just to help put
that plan and have that right conversation, and there's no
easy way to have a conversation sometimes, but I think
deep down, I mean, you know, the seniors are you know,
the parents or whomever, are scared, they fear, you know,
(02:01):
they're they're you know, they're they're just kind of setting
their ways and they don't want change. But you know,
when change has to happen, you know, this is where
care Patrol can step in and give the best options
for the best change so that when they get to
the community.
Speaker 3 (02:14):
And that's part of it.
Speaker 2 (02:15):
You know, we see a lot of times we hear
this where there is resistance, but within a couple of
weeks when they're out of commune and now they're social
and they're active and they're getting you know, into a
routine and they're you know, making friends and they're just
out and you know, more social. You know, they have
a purpose again. So this is the biggest thing that
we can do is just you know, you know, put
(02:36):
life back into them and give them a purpose and
you know, give them the next chapter of life where
they're safe. Everyone's you know, when they're putting their head
on a pillow at night, they feel safe. So you know,
go to Columbus dot carepatrol dot com, you know, or
you can just reach me directly six one four eight
eight eight safe. I'm I'm available nine am to nine pm.
If I'm available. When you're calling me, I'm going to
pick up. You get a live person. And I'm sure
(02:57):
you know with peak retirement, you guys are pretty hands
on and active with you know, individuals as well. And
and you know, what's part what's one of your bigger
challenges when you're working with clients?
Speaker 1 (03:08):
Yeah, and real quick on what you're just talking about
is like, you know, I think that the customer service
side of things has been a big struggle nowadays. Like
we have clients come to us who already have advisors
who says it takes some days or even weeks to
get back to them on things or hey, yeah we'll
cover that here in a few months, and it's like
some things never get done. And I think just when
(03:29):
you can be really prompt, I think people it builds
trust but also shows that you care and they're not
just a number. And I think, you know, for us,
we always we have a specific client email address that
we always get back to within twenty four hours, and
people that's probably, Like one of the biggest things that
people value is just an ability to get something done
when they need it.
Speaker 3 (03:48):
Yeah, everyone's human. Everyone wants the high touch.
Speaker 2 (03:51):
And I think that's what Peak, you know, Peak Retirement offers,
That's what care Patrol offers. So, you know, I want
to be hands on and you call me, you're talking
with the owner care Patrol if he needs help here
in Central high I'm the guy. If you call me
and you need some help down in Florida or in California,
I'll put you in contact with the right care Patrol
(04:11):
office And instead of getting on the internet, just call
you know six one four eight eight eight safe or
Columbus dot Carepatrol dot com. You can fill a form
out and I'll reach out to you.
Speaker 1 (04:20):
And So, Jim, how where are most people that you're
working with? Like where are they ending up going? Like
what's the end you know where they like, where are
the options that they can actually end up at?
Speaker 2 (04:30):
There's I mean, so when we work and talk with families,
we want to know obviously you know location, you know
where the family is. So if someone lives on the
south side but all the kids live up on the
north side, we're going to focus on where the closest
you know option is. Care level is very important, so
level care needs, I mean, yeah, that's always a key thing.
There's there's a lot of communities that can handle high
(04:51):
level care. And then the last thing, obviously, we want
to know kind of what budget is, so you know,
depending on you know, everything that we work with is
a lot of private pay. But if it's a short
private pay, if you have one to two years of funds,
we can give you guidance on better options. But yeah,
it's kind of like the three legged stool we talk about.
Speaker 3 (05:09):
So location, level of.
Speaker 2 (05:10):
Care, and your budget. So based on that, I mean,
how we you know, will walk through. But then you know,
we give you options with the communities we work with
all you know, care Patrol works with all the communities.
So our goal is just to give you what's the
best fit. Will never sale. We're not selling. We're not
going to sales and market you. We're just gonna you
educate us. We're going to educate you and then when
(05:31):
we set up the tours and go look at the
communities that you're interested in, you know, we're going to
make sure the right questions are answered. But we're going
to maintain your privacy and keep control. If you go
on your own or if you get on the internet,
you don't have your privacy. You don't have you know,
you know, the control when you know we're gonna you know,
just give you great guidance and no difference you know
with what Peak Retirement does.
Speaker 1 (05:53):
Yeah, I think the what you said about education is
so big in anything like anyone that ever needs help withing,
Like we always say with like advisors, Like if there's
an advisors that's trying to push you into a specific
investment or product, or you know, like there's guys around
town that do like steak dinners for people to come
to and you know, most of the times they're talking
about specific insurance products and they're talking about how it's
(06:15):
the greatest thing ever. And you know, if that if
that's ever the case where you know someone leads with
like that type of product versus you know, you said
them educating you first, because you have to know what
their problems are, what they need before you can ever
help make it tailored to what they're they're looking for.
So I just think that's something that when anyone's looking
(06:35):
for help, that should be always the biggest focus is
that person really caring for them and understanding what their
needs are before they actually look to you know, like
diagnose like you're not going to go to the doctor
and tell them that your knee hurts and they're going
to try to help your shoulder, right, They're going to
try to help your knee get better. And so I
just think that's helpful for people to really build that
trust with people and ensure that they're giving the best advice.
Speaker 2 (06:56):
And it's kind of a sensitive topic because I'm very
pro attorney, very pro elder law attorney, but sometimes families
are you know, too focused on preserving assets where they
get everything tucked away and they want to get right
on Medicaid because they feel they're going to you know,
don't not have to spend any money. But now all
of a sudden, they're limited on what the community options are.
(07:16):
I mean, you, you know, I can go toward you
and let you see some of the communities that are
Medicaid approved, and most of them are going to be
skilled nursing and you know they're going to have more
of a you know, a you know, institutional feel. So
I mean, let's find you a community where you can
be there for a couple of years and then spend
down and still get on Medicaid. But you know, I've
(07:37):
had countless clients that thought they were planned and ready
and all of a sudden their plan wasn't set up.
Speaker 1 (07:41):
So and that's going to depend on your situation, right,
I mean, it's all depend on how much you have saved.
So obviously, the way medicaid works is you can't be
eligible unless you don't have any assets. And most people
don't understand that. I mean it's like you can only
have about two thousand dollars if you're married. It's a
little more than that, you know, like up to one
hundred thousand if so, But I mean it's it's very
very strict. And so like with our clients who have
(08:03):
you know, a million plus saved, like they're probably never
going to be eligible for Medicaid. I mean it's not
a good chance they're gonna need one hundred thousand dollars
a year of care for ten plus years. So yeah,
they may never be eligible for Medicaid, so they have
to look for other ways to plan, and and so
that's a that's a great point is that you know,
I don't think people understand who's eligible and who's not
for that type of level of payment for long term care.
Speaker 2 (08:27):
And there's typically a five year look back or five
year period. So what happens in the second year when
you've done all this and you're not even on you know.
Speaker 3 (08:34):
There's risks.
Speaker 2 (08:35):
So you know, it's just if you're young enough and planning,
that's great, But if you're already needing care quickly, it's
sometimes Sometimes you know, there's ways around it, and I
know you have an elder law you know attorney that
can help. And but but again this is you know,
we're dealing with a lot of baby boomers right now,
dealing with loved ones.
Speaker 1 (08:53):
So yeah, and something else, Jim we always talk about
on this concept with clients is like, maybe think about
starting to gift some of your assets if you if
you've been at a significant savior. Right if you're that
Midwestern millionaire we talk about all the time, you know
you're going to be left, you know, likely unless you
get busy spending, you're going to leave a lot of
money when you pass. And we always joke with people
there's no U haul behind the hearse and so you've
(09:15):
got to make sure you have a plan. And so
if you know that at the end of the life,
your money's either going to go to your kids, taxes
or healthcare, you know, who do you want to choose
for that to go to. Well, if it's your kids,
then structuring things the right way, but also maybe you
look to get ahead of it if you've met all
your goals. And so that's something we do with clients
is we run their numbers. We show them, hey, are
(09:36):
you good to retire or not. If you're good to retire,
how much can you spend per year and still not
run out of money? And so that's everyone's biggest fear.
But if you can show that you are not going
to run out of money now, you may be able
to gift more to your loved ones now so that.
Speaker 2 (09:51):
You can enjoy seeing what they do with it, you know,
and you're maybe gonna you know, you know, give them
a big boost that you're able to enjoy and witness
and uh and have you know, pride in So that's
in satisfaction knowing that you were able to help.
Speaker 3 (10:06):
So I get that.
Speaker 2 (10:07):
So but again, I mean, there's so many questions I'm
sure people have today. I mean, so you know, I'm
hoping people will contact you, I mean, just to learn
more of your expertise and you know, getting on your
website and then you know, obviously our goal was you know,
if I'm talking to anyone out there that's you know,
just in the middle right now not knowing what to do,
(10:29):
or they're starting to think or starting to see signs
of a loved one, or if there's a couple weave,
then you know, I mean call us because you know, uh,
we maintain your privacy, but we can help guide you
and least you set up a time to you know,
do a you know kind of a care discovery with
you and and discuss. Hey, this is you know, being proactive,
putting a plan in and then you at least have
it so if in when a crisis happens, you already
(10:50):
have this already kind of uh you know, checked off
your list and you know what your next steps are.
I mean, that's the best thing about just you know,
proper planning with financial planning and proper plan for senior
care options.
Speaker 1 (11:01):
Absolutely good stuff, Jim. So we'll talk more about this
legacy long term care when we come back, but you're
listening to row with many and boots always protected by
the undefeated American made tattletale from Heartland Bank Studios on
news radio six' TEN.
Speaker 3 (11:12):
Wt well we're back. On they didn't kick us off, yet, no,
no no, No.
Speaker 2 (11:20):
And hopefully we'll get some listeners here that you, know
have questions and.
Speaker 3 (11:23):
Reach out to us this. Week, yeah and if they have.
Speaker 1 (11:25):
Questions, too they can call. IN i don't know If
chris can put the number here exactly on the on
the screen AND i can let people know if anyone
asking questions today from our.
Speaker 2 (11:33):
Conversation and that's the most important thing With Care. PATROL i,
mean there's gonna be a lot of deep, questions so you,
know just calling us six one four eight eight eight
save is the best way and you'll get you, know
a good thirty minutes with. Me AND i, know you, Know,
joe when you're you're meeting with family or, clients you're
going in and sitting down and spent you, know probably
with your, team putting a lot of hours in just
to learn what's important to, them what their goals.
Speaker 3 (11:54):
ARE i mean that's kind of the whole thing With
Care patrol as.
Speaker 1 (11:57):
Well, Absolutely and if you guys have any questions, today
on these topics we're talking, about you, know whether it's
long term, care senior, care financial questions for for the
healthcare side of things six one, four, seven nine three
one nine five seven again six one, four, seven nine,
three one nine five seven give us a call with
some questions, Here, jim you're talking about some some good
(12:17):
options you had for adult daycare for people that may
be interested in, that so you.
Speaker 3 (12:20):
Can tell us more about that adult.
Speaker 2 (12:21):
DAYCARE i, mean there there were a lot more options
and then a lot of them have phased, out but you,
know we've learned of a few that you, know could
be good.
Speaker 3 (12:29):
Options and it's really a.
Speaker 2 (12:31):
Bridge you, know you, know six hours a day maybe
where you're maybe going to spend one hundred dollars a
day or, so and it just gives maybe you, know
a spouse or someone that's care giving a chance for
a little bit of. Relief you, know you can do
it five days a.
Speaker 3 (12:43):
Week but you, know it's, again it's just a bridge
because usually.
Speaker 2 (12:47):
You, know the next step is you, know that's our
biggest thing is just one there's someone caregiving for another.
Person you, know it's usually a couple ones healthier than the.
Other but if someone has memory deficits or high care.
Needs you're earning out the other, person and the concern
is what happens if you know someone else burns out
too quickly or, Passes what are you going to do?
Now so you, know we try to help relieve a
(13:10):
caregiver that if they've been caring for three to five
years and they're burned out now and there's no end in.
Sight so you, know we can come up with a
solution or plan to, find you, know a great.
Speaker 3 (13:20):
SOLUTION i mean maybe it starts out with adult, daycare.
Speaker 2 (13:23):
But then we put in the next steps if they
need memory care or assisted. Living you can kind of
stage it so it gives someone a little bit of.
Relief even in home, care you, know if you call
me and we can give you great guidance on better
home care options where you, know at least they can
come in and you, know give someone relief for you,
know four hours at a, clip and you'll give you
a chance to get out and do your errands and
give you a little bit of.
Speaker 3 (13:43):
Break so and we were.
Speaker 1 (13:44):
Talking to like how you vet the, facilities BECAUSE i
mean you got To you've got to ask some really good.
Questions do a lot of research that people don't have
to worry, about which is the good, News but, like
what do you look? For how do you know it's
a good facility or it's.
Speaker 2 (13:57):
Not SO i mean Care, PATROL i mean we're a franchise.
Model we are founded by a social. Worker you, know
we've been around for thirty plus. Years you, Know Care Patrol.
Columbus Columbus Care patrol has been here for fourteen. Years
but we basically our goals investigate all the care and
violation histories of every, community so our hands on.
Speaker 3 (14:13):
The pulse of.
Speaker 2 (14:14):
That we also are in all these communities all the,
time touring with. Families but, yeah we know the communities
that are better because we help families find them and
then we get.
Speaker 3 (14:22):
Reports back how they've. Done so you, know that's how
we gauge.
Speaker 2 (14:25):
It and you can talk to any sales market or
any community and they're great, people and but you, know
they have to sell you on, something and you know
they might you, know you might not be aware of
all the negative surveys that they've had, recently and maybe
they're trying to turn their game. Around but you, know
there's a lot of communities that have you, know very
stable and seasoned management and you, know maybe are more locally,
(14:47):
owned less corporate feel and these communities are a little
more responsive to your. Needs so you, know we we
we really focus on. THAT i, mean other, communities you,
know they're, smaller maybe one, level and maybe if you're
having hard time navigating, around you, know we're going to you,
know put you, know suggest you're finding a community it's
a little calmer and easier to navigate instead of being
in a three four story you, know structure where you're
(15:10):
up and down in. Elevators SO i, mean you, know
we really and these are things that families just don't think.
About so but you, know the number one THING i
see is a lot of individuals burning out and you
know they're determined to you, know be a the compassionate
and the you, know, caregiver and but you, know you,
know the kids sometimes just don't see mom or dad
burning out and wearing, out and they don't, know you,
(15:33):
know when you, know they're heads in the. Sand so
speaking of until it's too, Late now mom is in the,
hospital and what are we going to do with? Dad
and that's a lot of times WHEN i get, Calls
so you, know calls ahead of, time so we can
at least have a plan in.
Speaker 1 (15:43):
Place so, ABSOLUTELY i know something we're talking about Earlier
jim is just long term care insurance in. General and
this is something that if you have a long term
care insurance policy that is you, know, five, ten, fifteen
twenty years or, more probably have an awesome. Policy there
probably going to be.
Speaker 3 (15:59):
Good Jen.
Speaker 1 (16:00):
Worth, yeah Jen worth is a really good good. Policy
there's there's all these, companies not as many companies that
offer them anymore because it's become more it's harder to
make it work because it's such a huge need and
the costs are so exten, expensive and so we haven't
for our. Clients mean, again we work with a specific
crowdsess and advice for, everyone but for our, clients we
(16:20):
have not recommended a long term care insurance policy for
at least five. Years and so you know that's not
to say to not do your homework and research and due,
diligence but you, know there may be other ways to
look for.
Speaker 3 (16:30):
Plan for it at this point is ultimately kind of the.
Speaker 2 (16:32):
Consideration probably the biggest thing is stay, healthy you, know
and keep the weight, off keep your legs and as
long as you're. Walking and you, KNOW i think that's
the side that you, know we can talk to the
go go people right, now is you know you're.
Speaker 3 (16:44):
Healthy it's you stay, healthy keep, active you, know keep your,
mind you know, active so you know you're you, know
you're you're going to keep you, know keep your health
that you.
Speaker 2 (16:52):
Have so you, know but, again you, know when someone
does decline and they're needing senior care options and we're
kind of the ownclusive option for, families so you, know
just you, know reaching out six one four eight eight
eight safe or going Into columbus Dot carepatrol dot com
and you know for you, know peak, RETIREMENT i mean
the same. Thing you, know google them and you know
you'll get connected To joe and his.
Speaker 3 (17:12):
Team so, yeah that's.
Speaker 1 (17:13):
Great and you, KNOW i know we talked about just
kind of purpose you talk about health and. RETIREMENT i
think people underestimate the opportunity that that presents and the
challenges that it presents, too of living that fulfilling, retirement
having something that you wake up in every day and
you get that. Purpose you, know just because you retire
from your work doesn't mean you just live a life of.
(17:33):
Leisure at that, point because if you, do that's when
depression creeps in it from what we, see or they're.
Speaker 3 (17:38):
Lonely and so.
Speaker 1 (17:39):
We really really encourage people that you, know if they
can get involved with, things or they can have something
that they can use their, wisdom their, time talents and
treasure as we talk always talk about and you, know be.
PRODUCTIVE i think it's going to.
Speaker 3 (17:50):
Lead to a happier. Retirement, yeah and independent living.
Speaker 2 (17:53):
OPTIONS i just think that as you're describing AT i,
mean if you no longer want to deal with upkeeping
your home and paying big taxes and deal with your,
meals you, know we have independent living options here In
central high that are great. Options we pretty much Cover Franklin,
County Delaware, county so our goal was in you, know
the contiguous counties Around Franklin. County so we're a great
resource to help and just give you a, plan help
(18:14):
you put a plan in.
Speaker 1 (18:14):
Place, absolutely And, jim as we wrap up, here where
can they reach Care patrol if they have got?
Speaker 3 (18:19):
Questions what do they?
Speaker 1 (18:20):
Do how they reach?
Speaker 3 (18:20):
You it's very.
Speaker 2 (18:21):
Simple just you know again six one four eight eight
eight safe it's seven two three, three or you just
go Onto Columbus dotcarepatrol dot com and you know we'll
respond almost.
Speaker 3 (18:30):
Instantly. Awesome how about with The Peak Retirement.
Speaker 1 (18:33):
Yeah so they can go To Peak Retirement planning dot.
Com they'll see everything they need to know about. Us
LIKE i, said they can request one of our. Books
maybe they just want to read more about retirement. Planning
they're not ready to meet with a, team and that
can be a great. Resource or which one is your favorite?
Book ONE i just written Was The Midwestern. Millionaire that's
we've talked about that quite a bit. Today but my
favorite one was THE I Hate taxes. One that's a
good one for people looking to save on. Taxes so
(18:55):
that's all we've got. Today but glad you're, listening and
you're listening To raw with many of, Boots Always protected
by The Undefeated American maide title tale From Hartman Bank
studios On News radio six to
Schmid's peaker Timer Planning, Jim Everson with Care Patrol.
Speaker 2 (00:03):
Hey, guys, yeah, raw meat.
Speaker 1 (00:06):
This next segment, so I know something you're saying Jim
over the break was you were talking about how a
lot of times the loved ones don't want to go,
they don't want to get there help.
Speaker 2 (00:16):
Yeah, and that's you and I'll be the same way.
I mean, I think it's just natural. But you know,
I think when you really start to realize that someone
isn't safe at home, I mean we have twenty signs
that you know, a loved one may need more help,
and it could be bringing in more in home care.
But at some point when in home care, I mean,
if you have an unlimited budget because you've done a
(00:37):
great job with the client, they can afford to have
someone there twenty four to seven.
Speaker 3 (00:41):
You know, that's great.
Speaker 2 (00:42):
But a lot of families I work with can't afford,
you know, twenty twenty five thousand a month if they're
doing twenty four to seven care. So when you start
to look at it, you know, we try to, you know,
with families that are dealing with this, I mean, never promise,
you know, mom or Dad that you'll never put someone in,
you know, find them a senior living option because as
you're kind of shooting yourself in the foot because you
know what happens when they aren't safe at home and
(01:04):
I've had a fall, and you just realize if they
have memory deficits and you know all they're doing is
watching TV and eating microwave cooked meals. So you know,
those are the things that you just don't want to
walk in and see your loved one, you know that's
expired because they had a crisis.
Speaker 3 (01:20):
And you weren't there to help.
Speaker 2 (01:22):
And but you know that's the part where you know,
we again have a great guy that can help, you know,
put the other the conversation and it's more just you know,
if they go to the hospital and they have a crisis,
you kind of contract with them, Hey, if this happens,
this is one we're going to start looking for senior
living options.
Speaker 3 (01:37):
So you always get creative on you know.
Speaker 2 (01:39):
We understand you want to be at home, but you know,
once this happens, we're going to you know, start putting
a plan together, have a plan together so when that happens,
and that's why care patrols here just to help put
that plan and have that right conversation, and there's no
easy way to have a conversation sometimes, but I think
deep down, I mean, you know, the seniors are you know,
the parents or whomever, are scared, they fear, you know,
(02:01):
they're they're you know, they're they're just kind of setting
their ways and they don't want change. But you know,
when change has to happen, you know, this is where
care Patrol can step in and give the best options
for the best change so that when they get to
the community.
Speaker 3 (02:14):
And that's part of it.
Speaker 2 (02:15):
You know, we see a lot of times we hear
this where there is resistance, but within a couple of
weeks when they're out of commune and now they're social
and they're active and they're getting you know, into a
routine and they're you know, making friends and they're just
out and you know, more social. You know, they have
a purpose again. So this is the biggest thing that
we can do is just you know, you know, put
(02:36):
life back into them and give them a purpose and
you know, give them the next chapter of life where
they're safe. Everyone's you know, when they're putting their head
on a pillow at night, they feel safe. So you know,
go to Columbus dot carepatrol dot com, you know, or
you can just reach me directly six one four eight
eight eight safe. I'm I'm available nine am to nine pm.
If I'm available. When you're calling me, I'm going to
pick up. You get a live person. And I'm sure
(02:57):
you know with peak retirement, you guys are pretty hands
on and active with you know, individuals as well. And
and you know, what's part what's one of your bigger
challenges when you're working with clients?
Speaker 1 (03:08):
Yeah, and real quick on what you're just talking about
is like, you know, I think that the customer service
side of things has been a big struggle nowadays. Like
we have clients come to us who already have advisors
who says it takes some days or even weeks to
get back to them on things or hey, yeah we'll
cover that here in a few months, and it's like
some things never get done. And I think just when
(03:29):
you can be really prompt, I think people it builds
trust but also shows that you care and they're not
just a number. And I think, you know, for us,
we always we have a specific client email address that
we always get back to within twenty four hours, and
people that's probably, Like one of the biggest things that
people value is just an ability to get something done
when they need it.
Speaker 3 (03:48):
Yeah, everyone's human. Everyone wants the high touch.
Speaker 2 (03:51):
And I think that's what Peak, you know, Peak Retirement offers,
That's what care Patrol offers. So, you know, I want
to be hands on and you call me, you're talking
with the owner care Patrol if he needs help here
in Central high I'm the guy. If you call me
and you need some help down in Florida or in California,
I'll put you in contact with the right care Patrol
(04:11):
office And instead of getting on the internet, just call
you know six one four eight eight eight safe or
Columbus dot Carepatrol dot com. You can fill a form
out and I'll reach out to you.
Speaker 1 (04:20):
And So, Jim, how where are most people that you're
working with? Like where are they ending up going? Like
what's the end you know where they like, where are
the options that they can actually end up at?
Speaker 2 (04:30):
There's I mean, so when we work and talk with families,
we want to know obviously you know location, you know
where the family is. So if someone lives on the
south side but all the kids live up on the
north side, we're going to focus on where the closest
you know option is. Care level is very important, so
level care needs, I mean, yeah, that's always a key thing.
There's there's a lot of communities that can handle high
(04:51):
level care. And then the last thing, obviously, we want
to know kind of what budget is, so you know,
depending on you know, everything that we work with is
a lot of private pay. But if it's a short
private pay, if you have one to two years of funds,
we can give you guidance on better options. But yeah,
it's kind of like the three legged stool we talk about.
Speaker 3 (05:09):
So location, level of.
Speaker 2 (05:10):
Care, and your budget. So based on that, I mean,
how we you know, will walk through. But then you know,
we give you options with the communities we work with
all you know, care Patrol works with all the communities.
So our goal is just to give you what's the
best fit. Will never sale. We're not selling. We're not
going to sales and market you. We're just gonna you
educate us. We're going to educate you and then when
(05:31):
we set up the tours and go look at the
communities that you're interested in, you know, we're going to
make sure the right questions are answered. But we're going
to maintain your privacy and keep control. If you go
on your own or if you get on the internet,
you don't have your privacy. You don't have you know,
you know, the control when you know we're gonna you know,
just give you great guidance and no difference you know
with what Peak Retirement does.
Speaker 1 (05:53):
Yeah, I think the what you said about education is
so big in anything like anyone that ever needs help withing,
Like we always say with like advisors, Like if there's
an advisors that's trying to push you into a specific
investment or product, or you know, like there's guys around
town that do like steak dinners for people to come
to and you know, most of the times they're talking
about specific insurance products and they're talking about how it's
(06:15):
the greatest thing ever. And you know, if that if
that's ever the case where you know someone leads with
like that type of product versus you know, you said
them educating you first, because you have to know what
their problems are, what they need before you can ever
help make it tailored to what they're they're looking for.
So I just think that's something that when anyone's looking
(06:35):
for help, that should be always the biggest focus is
that person really caring for them and understanding what their
needs are before they actually look to you know, like
diagnose like you're not going to go to the doctor
and tell them that your knee hurts and they're going
to try to help your shoulder, right, They're going to
try to help your knee get better. And so I
just think that's helpful for people to really build that
trust with people and ensure that they're giving the best advice.
Speaker 2 (06:56):
And it's kind of a sensitive topic because I'm very
pro attorney, very pro elder law attorney, but sometimes families
are you know, too focused on preserving assets where they
get everything tucked away and they want to get right
on Medicaid because they feel they're going to you know,
don't not have to spend any money. But now all
of a sudden, they're limited on what the community options are.
(07:16):
I mean, you, you know, I can go toward you
and let you see some of the communities that are
Medicaid approved, and most of them are going to be
skilled nursing and you know they're going to have more
of a you know, a you know, institutional feel. So
I mean, let's find you a community where you can
be there for a couple of years and then spend
down and still get on Medicaid. But you know, I've
(07:37):
had countless clients that thought they were planned and ready
and all of a sudden their plan wasn't set up.
Speaker 1 (07:41):
So and that's going to depend on your situation, right,
I mean, it's all depend on how much you have saved.
So obviously, the way medicaid works is you can't be
eligible unless you don't have any assets. And most people
don't understand that. I mean it's like you can only
have about two thousand dollars if you're married. It's a
little more than that, you know, like up to one
hundred thousand if so, But I mean it's it's very
very strict. And so like with our clients who have
(08:03):
you know, a million plus saved, like they're probably never
going to be eligible for Medicaid. I mean it's not
a good chance they're gonna need one hundred thousand dollars
a year of care for ten plus years. So yeah,
they may never be eligible for Medicaid, so they have
to look for other ways to plan, and and so
that's a that's a great point is that you know,
I don't think people understand who's eligible and who's not
for that type of level of payment for long term care.
Speaker 2 (08:27):
And there's typically a five year look back or five
year period. So what happens in the second year when
you've done all this and you're not even on you know.
Speaker 3 (08:34):
There's risks.
Speaker 2 (08:35):
So you know, it's just if you're young enough and planning,
that's great, But if you're already needing care quickly, it's
sometimes Sometimes you know, there's ways around it, and I
know you have an elder law you know attorney that
can help. And but but again this is you know,
we're dealing with a lot of baby boomers right now,
dealing with loved ones.
Speaker 1 (08:53):
So yeah, and something else, Jim we always talk about
on this concept with clients is like, maybe think about
starting to gift some of your assets if you if
you've been at a significant savior. Right if you're that
Midwestern millionaire we talk about all the time, you know
you're going to be left, you know, likely unless you
get busy spending, you're going to leave a lot of
money when you pass. And we always joke with people
there's no U haul behind the hearse and so you've
(09:15):
got to make sure you have a plan. And so
if you know that at the end of the life,
your money's either going to go to your kids, taxes
or healthcare, you know, who do you want to choose
for that to go to. Well, if it's your kids,
then structuring things the right way, but also maybe you
look to get ahead of it if you've met all
your goals. And so that's something we do with clients
is we run their numbers. We show them, hey, are
(09:36):
you good to retire or not. If you're good to retire,
how much can you spend per year and still not
run out of money? And so that's everyone's biggest fear.
But if you can show that you are not going
to run out of money now, you may be able
to gift more to your loved ones now so that.
Speaker 2 (09:51):
You can enjoy seeing what they do with it, you know,
and you're maybe gonna you know, you know, give them
a big boost that you're able to enjoy and witness
and uh and have you know, pride in So that's
in satisfaction knowing that you were able to help.
Speaker 3 (10:06):
So I get that.
Speaker 2 (10:07):
So but again, I mean, there's so many questions I'm
sure people have today. I mean, so you know, I'm
hoping people will contact you, I mean, just to learn
more of your expertise and you know, getting on your
website and then you know, obviously our goal was you know,
if I'm talking to anyone out there that's you know,
just in the middle right now not knowing what to do,
(10:29):
or they're starting to think or starting to see signs
of a loved one, or if there's a couple weave,
then you know, I mean call us because you know, uh,
we maintain your privacy, but we can help guide you
and least you set up a time to you know,
do a you know kind of a care discovery with
you and and discuss. Hey, this is you know, being proactive,
putting a plan in and then you at least have
it so if in when a crisis happens, you already
(10:50):
have this already kind of uh you know, checked off
your list and you know what your next steps are.
I mean, that's the best thing about just you know,
proper planning with financial planning and proper plan for senior
care options.
Speaker 1 (11:01):
Absolutely good stuff, Jim. So we'll talk more about this
legacy long term care when we come back, but you're
listening to row with many and boots always protected by
the undefeated American made tattletale from Heartland Bank Studios on
news radio six' TEN.
Speaker 3 (11:12):
Wt well we're back. On they didn't kick us off, yet, no,
no no, No.
Speaker 2 (11:20):
And hopefully we'll get some listeners here that you, know
have questions and.
Speaker 3 (11:23):
Reach out to us this. Week, yeah and if they have.
Speaker 1 (11:25):
Questions, too they can call. IN i don't know If
chris can put the number here exactly on the on
the screen AND i can let people know if anyone
asking questions today from our.
Speaker 2 (11:33):
Conversation and that's the most important thing With Care. PATROL i,
mean there's gonna be a lot of deep, questions so you,
know just calling us six one four eight eight eight
save is the best way and you'll get you, know
a good thirty minutes with. Me AND i, know you, Know,
joe when you're you're meeting with family or, clients you're
going in and sitting down and spent you, know probably
with your, team putting a lot of hours in just
to learn what's important to, them what their goals.
Speaker 3 (11:54):
ARE i mean that's kind of the whole thing With
Care patrol as.
Speaker 1 (11:57):
Well, Absolutely and if you guys have any questions, today
on these topics we're talking, about you, know whether it's
long term, care senior, care financial questions for for the
healthcare side of things six one, four, seven nine three
one nine five seven again six one, four, seven nine,
three one nine five seven give us a call with
some questions, Here, jim you're talking about some some good
(12:17):
options you had for adult daycare for people that may
be interested in, that so you.
Speaker 3 (12:20):
Can tell us more about that adult.
Speaker 2 (12:21):
DAYCARE i, mean there there were a lot more options
and then a lot of them have phased, out but you,
know we've learned of a few that you, know could
be good.
Speaker 3 (12:29):
Options and it's really a.
Speaker 2 (12:31):
Bridge you, know you, know six hours a day maybe
where you're maybe going to spend one hundred dollars a
day or, so and it just gives maybe you, know
a spouse or someone that's care giving a chance for
a little bit of. Relief you, know you can do
it five days a.
Speaker 3 (12:43):
Week but you, know it's, again it's just a bridge
because usually.
Speaker 2 (12:47):
You, know the next step is you, know that's our
biggest thing is just one there's someone caregiving for another.
Person you, know it's usually a couple ones healthier than the.
Other but if someone has memory deficits or high care.
Needs you're earning out the other, person and the concern
is what happens if you know someone else burns out
too quickly or, Passes what are you going to do?
Now so you, know we try to help relieve a
(13:10):
caregiver that if they've been caring for three to five
years and they're burned out now and there's no end in.
Sight so you, know we can come up with a
solution or plan to, find you, know a great.
Speaker 3 (13:20):
SOLUTION i mean maybe it starts out with adult, daycare.
Speaker 2 (13:23):
But then we put in the next steps if they
need memory care or assisted. Living you can kind of
stage it so it gives someone a little bit of.
Relief even in home, care you, know if you call
me and we can give you great guidance on better
home care options where you, know at least they can
come in and you, know give someone relief for you,
know four hours at a, clip and you'll give you
a chance to get out and do your errands and
give you a little bit of.
Speaker 3 (13:43):
Break so and we were.
Speaker 1 (13:44):
Talking to like how you vet the, facilities BECAUSE i
mean you got To you've got to ask some really good.
Questions do a lot of research that people don't have
to worry, about which is the good, News but, like
what do you look? For how do you know it's
a good facility or it's.
Speaker 2 (13:57):
Not SO i mean Care, PATROL i mean we're a franchise.
Model we are founded by a social. Worker you, know
we've been around for thirty plus. Years you, Know Care Patrol.
Columbus Columbus Care patrol has been here for fourteen. Years
but we basically our goals investigate all the care and
violation histories of every, community so our hands on.
Speaker 3 (14:13):
The pulse of.
Speaker 2 (14:14):
That we also are in all these communities all the,
time touring with. Families but, yeah we know the communities
that are better because we help families find them and
then we get.
Speaker 3 (14:22):
Reports back how they've. Done so you, know that's how
we gauge.
Speaker 2 (14:25):
It and you can talk to any sales market or
any community and they're great, people and but you, know
they have to sell you on, something and you know
they might you, know you might not be aware of
all the negative surveys that they've had, recently and maybe
they're trying to turn their game. Around but you, know
there's a lot of communities that have you, know very
stable and seasoned management and you, know maybe are more locally,
(14:47):
owned less corporate feel and these communities are a little
more responsive to your. Needs so you, know we we
we really focus on. THAT i, mean other, communities you,
know they're, smaller maybe one, level and maybe if you're
having hard time navigating, around you, know we're going to you,
know put you, know suggest you're finding a community it's
a little calmer and easier to navigate instead of being
in a three four story you, know structure where you're
(15:10):
up and down in. Elevators SO i, mean you, know
we really and these are things that families just don't think.
About so but you, know the number one THING i
see is a lot of individuals burning out and you
know they're determined to you, know be a the compassionate
and the you, know, caregiver and but you, know you,
know the kids sometimes just don't see mom or dad
burning out and wearing, out and they don't, know you,
(15:33):
know when you, know they're heads in the. Sand so
speaking of until it's too, Late now mom is in the,
hospital and what are we going to do with? Dad
and that's a lot of times WHEN i get, Calls
so you, know calls ahead of, time so we can
at least have a plan in.
Speaker 1 (15:43):
Place so, ABSOLUTELY i know something we're talking about Earlier
jim is just long term care insurance in. General and
this is something that if you have a long term
care insurance policy that is you, know, five, ten, fifteen
twenty years or, more probably have an awesome. Policy there
probably going to be.
Speaker 3 (15:59):
Good Jen.
Speaker 1 (16:00):
Worth, yeah Jen worth is a really good good. Policy
there's there's all these, companies not as many companies that
offer them anymore because it's become more it's harder to
make it work because it's such a huge need and
the costs are so exten, expensive and so we haven't
for our. Clients mean, again we work with a specific
crowdsess and advice for, everyone but for our, clients we
(16:20):
have not recommended a long term care insurance policy for
at least five. Years and so you know that's not
to say to not do your homework and research and due,
diligence but you, know there may be other ways to
look for.
Speaker 3 (16:30):
Plan for it at this point is ultimately kind of the.
Speaker 2 (16:32):
Consideration probably the biggest thing is stay, healthy you, know
and keep the weight, off keep your legs and as
long as you're. Walking and you, KNOW i think that's
the side that you, know we can talk to the
go go people right, now is you know you're.
Speaker 3 (16:44):
Healthy it's you stay, healthy keep, active you, know keep your,
mind you know, active so you know you're you, know
you're you're going to keep you, know keep your health
that you.
Speaker 2 (16:52):
Have so you, know but, again you, know when someone
does decline and they're needing senior care options and we're
kind of the ownclusive option for, families so you, know
just you, know reaching out six one four eight eight
eight safe or going Into columbus Dot carepatrol dot com
and you know for you, know peak, RETIREMENT i mean
the same. Thing you, know google them and you know
you'll get connected To joe and his.
Speaker 3 (17:12):
Team so, yeah that's.
Speaker 1 (17:13):
Great and you, KNOW i know we talked about just
kind of purpose you talk about health and. RETIREMENT i
think people underestimate the opportunity that that presents and the
challenges that it presents, too of living that fulfilling, retirement
having something that you wake up in every day and
you get that. Purpose you, know just because you retire
from your work doesn't mean you just live a life of.
(17:33):
Leisure at that, point because if you, do that's when
depression creeps in it from what we, see or they're.
Speaker 3 (17:38):
Lonely and so.
Speaker 1 (17:39):
We really really encourage people that you, know if they
can get involved with, things or they can have something
that they can use their, wisdom their, time talents and
treasure as we talk always talk about and you, know be.
PRODUCTIVE i think it's going to.
Speaker 3 (17:50):
Lead to a happier. Retirement, yeah and independent living.
Speaker 2 (17:53):
OPTIONS i just think that as you're describing AT i,
mean if you no longer want to deal with upkeeping
your home and paying big taxes and deal with your,
meals you, know we have independent living options here In
central high that are great. Options we pretty much Cover Franklin,
County Delaware, county so our goal was in you, know
the contiguous counties Around Franklin. County so we're a great
resource to help and just give you a, plan help
(18:14):
you put a plan in.
Speaker 1 (18:14):
Place, absolutely And, jim as we wrap up, here where
can they reach Care patrol if they have got?
Speaker 3 (18:19):
Questions what do they?
Speaker 1 (18:20):
Do how they reach?
Speaker 3 (18:20):
You it's very.
Speaker 2 (18:21):
Simple just you know again six one four eight eight
eight safe it's seven two three, three or you just
go Onto Columbus dotcarepatrol dot com and you know we'll
respond almost.
Speaker 3 (18:30):
Instantly. Awesome how about with The Peak Retirement.
Speaker 1 (18:33):
Yeah so they can go To Peak Retirement planning dot.
Com they'll see everything they need to know about. Us
LIKE i, said they can request one of our. Books
maybe they just want to read more about retirement. Planning
they're not ready to meet with a, team and that
can be a great. Resource or which one is your favorite?
Book ONE i just written Was The Midwestern. Millionaire that's
we've talked about that quite a bit. Today but my
favorite one was THE I Hate taxes. One that's a
good one for people looking to save on. Taxes so
(18:55):
that's all we've got. Today but glad you're, listening and
you're listening To raw with many of, Boots Always protected
by The Undefeated American maide title tale From Hartman Bank
studios On News radio six to
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