Independence, Quality of Life, Respect & Dignity - CARE has pulled professionals together who provide resources and information to empower seniors to continue to have the quality of life that they and their families need as they continue to age. Our mission is to promote healthy and functional lives for older adults by bringing together a panel of local business experts who passionately serve, educate and guide the community of aging adults.

Our  Panel of Experts

Our Panel of Experts

Community Aging Resource Experts (CARE) is a panel of local business professionals who passionately serve, educate and guide the community of aging adults.

Check Out Our Events

Check Out Our Events

We have monthly meetings, featuring speakers covering a series of topics of interest to aging seniors and their families. You can meet our experts in person too!

Get The Help You Need

Get The Help You Need

Our experts are available to answer your questions, and you can contact them directly. Various organizations are also available to help you navigate through life decisions.

Paint with Purpose CARE Fundraiser

Grab your friends and come hang out with us at James Third Base in Mason! This is a FUN event, and money raised supports the CARE eight week series that we continue to provide all over Cincinnati for FREE to seniors and their families, and allows us to provide them with resources and materials.

Bringing Your Retirement
Plan Home 
June 2022  By Wendy Fetters

You’ve planned your entire life for retirement, looking forward to the time when you can step away from the workforce and spend your days doing the things you love.  Many people think about retirement as the time they can follow their passions – spend time in the garden, enjoy your grandchildren, travel, even start a new venture. Many seniors have ‘second act’ careers (more than 40% of startups are created by Boomers).

While you may have planned out all that you want to do in retirement, do you have a plan for how you’re going to age well and who will be there to support you along the way?

Coordinating the future you want takes careful planning to account for several unknown factors, especially if you have chosen to age in your own home. About 90 percent of aging adults would prefer to stay in their homes for the rest of their lives and avoid assisted living environments, but many people fear they won’t be able to get the care they may need that these facilities offer. Yet, with thoughtful planning now, remaining in your own home as you grow older is an achievable long-term goal.

Proactive Planning is Key – and It Starts with Knowing Key Considerations

Effective plans for staying in your home start with determining how you want to live and applying your finances to that, while understanding and closing the gaps in your personal care networks, federal health care programs, and long-term care insurance.

Realizing that in addition to financial security you’ll need a support system, a space that will safely accommodate you as you age, and someone with knowledge around the aging process to advocate for your health and coordinate the necessary care when you need it, is where many plans fall short.

There are programs (often referred to as Continuing Care At Home, Life Care At Home, or Continuing Care Retirement Communities without Walls) that take into consideration many of the gaps people encounter as they age in their homes and help to fill the voids.

As you work to build out your plan, here are three big areas to think about:

  • Planning for healthy aging. You want to stay actively engaged in the world, vigorous, and pursuing purpose for as long as possible. To live well, you’ll want resources you can call upon for help with eating well, staying fit, constantly learning, interacting with friends, serving others, contributing to your community, and feeling valued. If you’re particularly resourceful, you can satisfy these needs as you go along. If not, you can seek out community or professional services. Just don’t leave it purely to chance.
  • Care management. Health care is perhaps the trickiest part of aging at home. In institutions, the processes are established, repeated, and optimized. Coordinating your own in-home care can be messy, time-consuming, and overwhelming. The more overwhelmed (or infirm) you are, the greater the stress can be on friends and family members. And when these friends and family members take part in your decisions, they may lack the necessary objectivity, judgment, and training to make the best choices for you.

Fortunately, these issues have led to the development and growth of professionals who are on hand to handle the challenge: care coordinators. A care coordinator is a personal care assistant who helps work with you to develop your healthy aging plan. They serve as a liaison with your care professionals and services, and advocate for your health. They visit your home first-hand to see you, and ensure you are safe and have what you need. They make sure the care you receive aligns with the plan you develop with them. They get to know you and how you want to live your life and then work on your behalf to make sure any and all services you may require are set up for you and are aligning with your plan. Whether you have the flu or broken hip, care coordinators are there to take care of your needs, and not only the medical ones.

  • Care coverage. No matter how healthy and active you are now, there’s an 80% chance that you will need long-term care. And it’s expensive. As you ensure your future independence, it’s crucial to plan carefully for who will manage your care, how it will be paid for, and if you have long-term care insurance, if it will be enough to cover all of the care services you may need.

    Also, be sure to check out non-profit options for long-term care management and for help covering costs of long-term care. If you can secure a lifetime guarantee of care and services with a sensible upfront investment, that will provide a lot of peace of mind.

Planning for Home

Creating a solid plan for aging is challenging for even the most skilled planners. There was a time where it was thought that ‘aging in place’ wasn’t really a plan at all. Now, with proactive planning and the help of programs that bring together healthy aging plans, care management services, and help covering long-term care costs, seniors may successfully live out the lives they want in the place most dear to them, home.


Helping Clients Cope with Sudden Loss

   May  2022  Blog  by  Monica Dwyer

Three years ago, my mother-in-law’s sister died. My husband, five kids and I were driving back from the funeral when we received a call. “Pat (my mother-in-law) is being rushed to the hospital. I don’t know what is going on, but they were giving her chest compressions and the ambulance just left.” My heart sank. This couldn’t be happening. I didn’t believe it. I just couldn’t believe it. I just saw her a few hours earlier at the funeral and she was happy and looked great. She seemed so healthy.

Pat had an unexpected heart attack. She was only 75, had no apparent health problems, and didn’t take any medications. It was my father-in-law, Jim, that we expected would be the first to leave us, and not for a long time. He was two years older than Pat and had recovered from a minor stroke, although it affected his vision.

We all drove to the hospital, and despite our prayers, she was gone before the ambulance pulled out of the driveway. We were all in a state of shock. What were we going to do? Pat was the matriarch of the family. She was the one who insisted on having the rest of us over for holidays and birthdays. She was the glue that bonded my husband’s side of the family together.

This Changes Everything

I started to think about how everything would change for Jim. Pat drove him everywhere. Jim couldn’t do it anymore because of his vision.  They lived on a farm in the country. Over the next several days, we considered what kind of changes he would go through. How would he handle being alone? Would he feel secluded not being able to drive and socialize with his friends? Would he even want to go back home? What if something happened and there was no one there to help him?

The Funeral

Getting through the funeral was a challenge. Emotions were high. Jim was devastated. He spent the next few days calling friend after friend and discussing what happened. It seemed to be therapeutic for him to talk it out. My husband and his siblings weren’t doing so well. No one expected to have to plan their mother’s funeral. There were many decisions to make. Who was going to preside over the mass? How were we going to have the visitation? What kind of a casket would she want? Where would we have the reception? Would there be a brunch afterwards? What did we want the announcement to say? What kind of flowers did she want?

Planning for the Inevitable

As a financial planner, I have found that people avoid the topic of death because it is uncomfortable. I wished we had those conversations so that we could have been more prepared. As a financial planner, there are many practical things to consider, such as:

  • What life insurance policies were in place and where can the surviving spouse find them? (I imagine that heirs are frequently unaware of some of these policies so they may not collect the benefits they are entitled to.)
  • If the spouse who passed away was more financially savvy, who can the surviving spouse turn to for help with financial matter? (Oftentimes clients say they hire me so that their spouse has someone to go to if anything should happen.)
  • Where are the investments and do you have records of the cost basis information?
  • Where is the will and when was it last updated? (It should be reviewed should there be a major change in a client’s life, or every five years as a precaution.)
  • Are there assets in a trust or is the intention to fund a trust after the passing of one spouse?
  • Are beneficiaries updated on all accounts, including 401(k)s, 403(b)s, IRAs, brokerage accounts, bank accounts, etc.?
  • If there are minor children, what happens should both parents die?
  • Is real estate held individually or jointly? Does it need to be structured to bypass probate? (Laws vary by state.)
  • Do medical and financial power of attorney documents need to be updated?
  • Has your client decided to do funeral planning, and if so, where are those documents located?
  • If one spouse was in charge of the finances, does the other spouse have the tools and information they need, if they were less involved?
  • Do both spouses have access to each other’s retirement plans and account information?
  • Does someone have access to important passwords, such as Facebook, which would allow family members to shut those websites off if they didn’t want reminders popping up anymore?

Death Over Dinner

Conversations about death might feel taboo, but we would have felt more at peace had we known we were making choices that Pat would have liked. If you are interested in how to start these conversations with the most important people in your life, this website can help:

Encourage Planning With Your Clients

Through this experience, the financial firm where I work recognized that many of our clients are also ill prepared. We decided to offer our clients Everplans, an online organizer. It allows clients to securely secure the important documents that should be reviewed if anything were to happen to them. It also assigns people (called deputies) to have access to the information should anything happen. Access isn’t provided until needed so our clients can keep their information private until the time comes.

We decided to purchase a firm level subscription so that our clients (and prospective clients) could use it to organize their lives. In addition to asking some of the important questions above, it also encourages clients to write letters to their loved ones for when they are no longer around. We feel that offering this to our clients adds a lot of value to their lives and helps them organize everything from finances to funeral planning.

Where We Are Now

In the year that followed Pat’s death, my children expressed some fears about losing either my husband or me. Jim went back home and said that he felt Pat’s presence when he was there. This experience has given me a renewed focus on life.

I have had more conversations with my parents about what their last wishes are. I have expressed some of my wishes to my husband should anything happen to me. But most importantly, I have a renewed energy and appreciation for the biggest gift that we each get … the gift of time and our own lives. I hope to leave this world a better place for having been in it.

Monica Dwyer, CFP®, CDFA®, is a Certified Financial Planner® Practitioner and Certified Divorce Financial Analyst® with Harvest, Financial Advisors in the Cincinnati/West Chester, Ohio area. She may be reached at


Recently, I have been reflecting on the topic of burnout. It’s as if it has become an accepted part of life – whether cramming in every college class and extracurricular activity possible, straining for a work accomplishment, or managing all the aspects of personal life – burnout is alive and well in society. Add an enduring global pandemic and I am willing to bet you have had up close experiences with burnout, either personally or within someone you know. Caregivers especially are prone to burnout.

What I have come to understand is that burnout is a result of ‘human doingness’. It is a symptom that rears its nasty head when one is so consumed with the mechanics of life – the doing – that s/he loses sight of the truth that s/he is in fact a ‘human being’ – a person who has needs and wants beyond taking care of the nuts and bolts of life. Burnout is an indicator that it is time to recalibrate what you do and who you are. This is especially necessary for caregivers.

If I may, I would like to share an important lesson I learned from my maternal grandfather. I believe it offers perspective on the concept of recalibrating the human being and human doingness of life.

Grandpa was a farmer. He grew, harvested, and sold sweet corn. Every year, he would plant the seeds in the field. He also did the work of tending to the corn throughout the growing season, so he could ultimately harvest and reap the reward of his work. Yet if my grandpa had not planted the right and best seed, he would not have had a crop worthy of his needs and aspirations. If he had been so consumed with the mechanics, he could have run the risk of planting a different seed, perhaps popcorn – which would not have been what he or his customers needed. He would have grown something, but it would not have been what he wanted.

My grandpa’s business was all about finding and planting the right and best seed to accomplish what he desired. It was not my grandpa’s business to make the seeds grow. He did not stand over each seed and whisper, “grow, grow, grow” all season long. Rather, he committed to what was his business – knowing what he desired and doing the work of planting that seed.

The lesson of this seemingly obvious story only recently came into clear view for me. Sure, the right and best seed must be planted for a farmer to create his ideal life. Yet, the deeper message pertains to all of us, and perhaps especially to caregivers. Our work – every person’s work – is to plant the right and best seed. To do so, you must know what it is you desire. The right and best seed is the life you would love to live! Sure, there are everyday realities such as sleep, nutrition, and adulting. The question, however, is – are you paying ANY attention to the life you want? Or are you trying so hard to do the work of making the seeds grow – (Who will watch mom so I can facilitate a work meeting? How will I prevent dad from wandering out of the house? Have I completed all the necessary end of life paperwork? etc.) – that year after year of caregiving the crop you harvest is not at all what you want? Do you have any picture of how you want to feel, who you want surrounding you, how strong and healthy you want to be, what memories you want to create? If your answer is no, I suspect you are spending far too much time frantically planting seeds, yet never harvesting the crop you want. You are offering a disproportionate amount of time, energy, and attention to all the doingness and not nearly enough to the beingness of life. And you are not alone.

Our culture teaches us to manage as many details as possible. We have been brain washed to believe we are at our best when we are organized, responsible, and ensuring everyone else is okay. While these attributes are often helpful when caring for an aging loved one, raising a family, and juggling everyday life, you must also embrace the reality that you are not in control of every little thing. You must come to terms with the fact that your level of organization and responsibility are subjective. Wouldn’t it be meaningful to consider what you need to feel fulfilled, peaceful, joyful, and every good feeling you desire? Instead of continually investing every ounce of energy in the external situation and expectations, try shifting just a portion of that energy internally to assess what it is that makes you tick. Those are the right and best seeds of your life. Those are the seeds begging to be recognized and planted within every caregiver!

The details of caring for an aging loved one will persist. There will always be an amount of human doingness that gets to be tended to. Yet, when you are planting the right and best seeds for yourself, you will have doses of energy that create clarity as you pursue resources and access support. You will not be alone. You will not be burnt out. You will be growing, even if slowly, through this season of life.

Every day is a new day for planting. No matter your age or situation, you can and should be planting the right and best seeds to live the life you love living. Spring is a season of planting and growth – now is the time to plant the right and best seeds in the areas of your life where you crave growth. Now is the time to recalibrate your human being and human doingness! You have permission to embrace the truth that you are a human being too!


Krista Powers, MSW
Life Coach & Consultant

Krista Powers has been a primary caregiver for a partner as well as an integral part of care teams for many individuals. She has experienced being consumed and lost while caregiving and has learned how to grow in a way that has rekindled her mind, heart, and spirit.

Krista Powers offers 23 years of experience moving beyond surface solutions and diving into the deep work of innovation and transformation in healthcare, nonprofit, education, and business. As the CEO and Founder of Potere Coaching, Krista is dedicated to supporting individuals and organizations with tools to accomplish immediate momentum and enduring success especially during important and transformational moments of life, such as caring for an aging loved one.

Welcome to CARE

The CARE expert team is made up of professionals with experience with issues facing todays seniors. These people educate and empower our community to age with confidence. They bring a wealth of experience to the table. This combined with a passion for helping seniors — allows them to provide honest resources and information to the aging population.

It’s no secret that aging can get pretty scary at times. It’s a new stage of life that brings joy and sadness, challenges, and uncertainty. At CARE, we aim to be your trusted friend.  Our experts are always on the lookout for new topics to cover and new ways to help. Whether it’s sharing about the latest medical alert systems, helping seniors find affordable housing, or giving advice to caregivers and loved ones — we do it to improve lives.

We’re committed to remaining a top resource on aging-related topics, well into the future. And we couldn’t be happier to have you along for the journey. Let’s take the guesswork out of aging, so that you can age with confidence and truly enjoy your golden years.

Our resources empower seniors to continue to live quality lives by providing the information they and their families need as they continue to age.

CARE is giving every participant that attends one of our events a free Vial Of Life program.