Looking Forward Our Way

We sit down with Arielle Galinsky, CEO and co-founder of The Legacy Project Incorporated. Arielle is not only a dual-degree graduate student at Yale Law and Harvard's Kennedy School, but she’s also a passionate advocate for intergenerational connections and storytelling.The Legacy Project, which now spans 25 college campuses, began from Arielle’s personal drive to preserve the life stories of older adults—a mission fueled by loss in her own family and a desire to bridge the gap between generations. In our conversation, Arielle shares how the Legacy Project grew from high school interviews to a fast-growing nonprofit, the challenges of launching a student-led organization, and the critical importance of including young people in conversations about aging.Together, we explore the power of sharing life stories across generations, how college students are building bonds with seniors, and why these connections matter more than ever in today’s world. You'll hear inspiring insights, learn practical ways to get involved, and gain a vision for the future of intergenerational engagement in communities everywhere.If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!Here are 3 key takeaways:Intergenerational Connections are Powerful: The Legacy Project is growing across 25+ college campuses, pairing students with seniors to record life stories. Both seniors and students consistently find value in these relationships, breaking down age-related stereotypes and fostering mutual learning.Storytelling as Civic Engagement: Arielle emphasized that sharing stories isn't just "feel good" work—it's a tool for combating social isolation, reducing ageism, and even driving community change. The project is now launching an Intergenerational Changemakers fellowship to encourage civic collaborations across ages.Opportunities & Resources Abound: From forming campus chapters to collaborating with local senior communities and national organizations like Generations United, there are so many ways to get involved. Whether you're a student, educator, or community member, resources and guidance are available to help you create or join an intergenerational initiative.Moments00:00 Shaping Long-Term Care Policy04:44 "Intergenerational Storytelling Legacy Project"08:24 Legacy Project Integration in Coursework11:55 Conference Sparks Growth in Aging Services15:05 "Mutual Benefits of Generational Ties"18:36 Growing Industry: Services for Seniors20:02 Shift from Recruitment to Expansion24:37 Podcast Resource on Legacy Project25:54 Youth Caregivers Face Unique Challenges30:27 "Intergenerational Change Makers" Initiative32:17 "Fostering Multigenerational Community Dialogue"38:21 Live an Intergenerational Lifestyle39:21 "Embrace Life's Stories"We would love to hear from you.Give us your feedback, or suggest a topic, by leaving us a voice message.Email us at hello@lookingforwardourway.com.Find us on Bluesky and Facebook.Please review our podcast on...

The Unsung Heroes of Healthcare: "Community pharmacists are maybe the most trusted and most accessible health care provider. They're unsung heroes in our communities but rich with knowledge." - Dr. Taylor ReedWe shine a spotlight on a vital resource in Central Ohio: the Charitable Pharmacy of Central Ohio. For 15 years, this nonprofit has been dedicated to providing free, life-saving prescription medications to those who can’t afford them. Executive Director Dr. Taylor Reed joins the conversation to share his unique career path, the inspiring origin story of the charitable pharmacy, and how the organization serves the community. Especially older adults and those with chronic health needs. We’ll explore the challenges and partnerships that make this work possible, recent changes in Ohio law that allow even more donated medications to reach those in need, and how the pharmacy works hand-in-hand with patients, healthcare providers, and other social service organizations to address the full spectrum of patient wellness. If you or someone you know is struggling with medication costs, or if you’re interested in how you can help, this episode is packed with insights, resources, and ways to get involved. Here are 3 key takeaways for healthcare and community professionals:The Charitable Pharmacy was born from a unique Columbus-style public-private partnership that included city, county, all four major health systems, faith organizations, and business leaders. This cross-sector approach catalyzed innovative and lasting solutions for medication access in our region.Serving over 1,600 individuals annually, the pharmacy provides not just free medication but a holistic support model. Patients often face multiple chronic conditions, and pharmacists deliver ongoing education, coaching, and direct connections to broader health and social services.From state law changes enabling medication donations to partnerships with organizations like the Mid-Ohio Food Collective, the Charitable Pharmacy is addressing the social drivers of health, ensuring patients have food, housing, and transportation, not just medication.If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!Moments00:00 Pharmacist's Career Journey05:18 Launch of a Charitable Pharmacy08:41 Complex Pharmacy Supply Chain Explained09:43 Recycling Unused Medicine Program13:04 Supporting Asset-Limited Employed Individuals17:27 Collaborative Healthcare Connections Ohio22:02 Community Support Through One Door24:33 Addressing Health via Nutrition Access29:31 Expanding Health Care Capacity33:28 Community Pharmacy & Pharmacist AwarenessWe would love to hear from you.Give us your feedback, or suggest a topic, by leaving us a voice message.Email us at hello@lookingforwardourway.com.Find us on Bluesky and Facebook.Please review our podcast on Google!And of course, everything can be found on our website,

Age Diversity in the Workplace: Benefits, Challenges, and Strategies for EmployersIn this episode of Looking Forward Our Way, Brett and Carol are joined by Dr. Jennifer Crittenden, Assistant Professor of Social Work at the University of Maine and Associate Director for Research at the University of Maine Center on Aging. The focus is on the challenges and opportunities facing older adults as they transition into paid employment, and particularly on how volunteerism can act as a bridge to help them re-enter the workforce.Dr. Crittenden began by sharing her background in gerontology and her early research in older adult volunteerism. She noticed a fascinating trend: some older volunteers were leaving their unpaid roles because they needed or wanted to return to paid employment. This observation set her on a research path to better understand how older adults juggle different responsibilities—such as caregiving, volunteering, and work—and whether skills gained in volunteer opportunities could support their move into paid roles.Through a study funded by AmeriCorps, Dr. Crittenden discovered that many older adults indeed use volunteer experiences as a stepping stone back into employment—even if the volunteer programs themselves weren’t specifically designed for that purpose. This realization led her and other researchers to ponder whether volunteerism could actually become a structured pathway to employment for seniors. Furthermore, her research highlighted the “spillover effect”: skills acquired through both in-person and virtual volunteering frequently enhanced other aspects of life, such as caregiving or community engagement.The partnership with AmeriCorps became more formalized when, in 2022, Dr. Crittenden’s center was approached to help study a new round of demonstration grants focusing on workforce development for older adults. This new initiative required participants to integrate volunteerism into their program design, with the ultimate goal of aiding older adults in securing sustainable employment. Seven different pilot programs across the country were set up, each distinct in its local approach but unified in combining volunteer experience, community service, training, mentorship, and employment support.What makes this research so groundbreaking is its focus on identifying the “secret recipe”—the common elements across all seven pilot programs that effectively support older adults’ transition to sustainable employment. The data, collected from over 150 participants in the first round, helps the researchers understand what motivates seniors, what keeps them engaged, and what drives successful placement into jobs.Looking at the demographics, the majority of participants were women (about 72%), which reflects broader trends in volunteerism. Most were between the ages of 60 and 70—prime years for retirement or semi-retirement—but the programs included participants up to 85. A striking finding was that many lived alone and were single, divorced, or widowed, implying a significant financial need to supplement single-income households.In terms of the nature of work, the positions targeted by these programs were generally paraprofessional roles—such as paralegals or early childhood educators—that often required participants to complete some form of certification or additional training. This requirement, while presenting barriers for some, helped others gain clear pathways into employment that matched their interests and skillsets.Motivation to participate in these programs was largely financial, but the data showed that earning new skills, having a sense of purpose, giving back to the community, and building social connections were also major drivers. This mirrors what we see among younger job seekers, emphasizing that these needs...

"And people kept saying to her, well, why don't we have something like that in Ohio? Why don't we have something like that in Ohio? And so she never intended to start a nonprofit organization, but she got enough feedback that people really wanted to have the option to at least start working on it." Molly McMahon Graziano - Director of Outreach for Ohio End of Life OptionsWe’re talking about the sensitive and essential topic of end-of-life options, an area many of us encounter as caregivers for family members, yet one that often leaves us searching for guidance and support. We sit down with two expert guests: Molly McMahon Graziano, Director of Outreach for Ohio End of Life Options, and Kathleen Carmody, owner of Senior Matters Home Health Care and Consulting, a certified death Doula and dementia practitioner.We explore the resources available for those facing terminal illness, clarify the distinctions between hospice and the evolving role of the death doula, and shed light on important legal and practical considerations. The episode also touches on the deeply personal nature of dying. And how, with the right knowledge and support, families can honor their loved ones’ wishes while navigating the challenging end-of-life journey.Whether you’re currently supporting someone at the end of life, considering how to start these tough conversations, or simply want to better understand the options available, this conversation offers practical insights, heartfelt stories, and a wealth of resources to help you plan with compassion and confidence.3 Key TakeawaysDeath Doulas Offer Practical & Emotional Support: Unlike hospice, death doulas can provide around-the-clock, highly personalized care for both the patient and family, addressing everything from hands-on support to legacy planning and navigating the complex emotional landscape that comes with losing a loved one.Empowered Choices Begin with Conversation: States differ widely in what end-of-life options are available, but the most important tool is open dialogue. Family discussions, advance directives, and clear communication about wishes ensure loved ones’ preferences are heard and respected.Proactive Planning Makes the Hardest Times Easier: Start planning before a crisis. Resources like palliative care consults, practical tools (hello, Next of Kin boxes!), and organizations like Ohio End of Life Options and national groups (e.g., Compassion & Choices) are key to navigating care, easing burdens, and ensuring dignity for everyone involved.If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!Moments00:00 "Founding Senior Matters Home Care"06:51 "Dying with Dignity at Home"07:33 Ohio End of Life Options Founded11:13 Home Care's Role in End-of-Life16:10 Support for Caregivers and Doulas18:24 Prepared for Parental Loss24:00 Advocating for Transparent Medical Information28:33 "Encouraging Palliative Care Consultations"32:28 "Clarifying U.S. Medical Aid Laws"37:06 "Hospice Enrollment and Aid in Dying"39:57 "Start Conversations on End-of-Life"42:04 Planning Elder Care OptionsWe would love to hear from you.Give us your feedback, or suggest a topic, by leaving us a voice message.Email us at hello@lookingforwardourway.com.Find us on Bluesky and a...

We welcome back Josh Kinzel from Seniority Benefit Group for his sixth visit to the podcast. The focus of this conversation is on the upcoming changes to Medicare enrollment and coverage for 2026, as well as practical advice for those approaching or currently navigating Medicare options.Breaking Down the Medicare Alphabet SoupJosh walks us through the parts of Medicare and why understanding them is so important:Original Medicare includes Part A (hospitalization, generally free) and Part B (outpatient coverage, with a monthly premium).Original Medicare typically covers 80% of approved costs, but there’s no out-of-pocket cap for the leftover 20%. That’s where the choice between a Medicare Supplement (Medigap) plan and a Medicare Advantage (Part C) plan comes in.Medigap fills in gaps left by Original Medicare—giving simplicity and freedom to see almost any provider accepting Medicare. You add on a Part D drug plan for prescriptions.Medicare Advantage plans are administered by private insurance companies. The government pays these companies on your behalf, so the advertised zero-premium plans are real—but always remember, your Part B premium still applies. With Advantage, you’re often in an HMO or PPO network, may have to seek pre-approval for some services, and pay more out of pocket if major health issues arise.What’s New for Medicare in 2026?As usual, we’re recording before all federal rules are final, but here’s what we know:Part B premiums are expected to rise by about 11%, reaching an estimated $206.50 monthly.Part D drug plan costs may inch up, mainly as insurers adjust to the new $2,000 annual out-of-pocket limit (from the Inflation Reduction Act). While deductibles and catastrophic thresholds rise, costs for many drugs, especially for diabetes, are actually dropping.The infamous “donut hole” coverage gap is now virtually gone, making prescription coverage simpler.Talk continues about longer-term Part D and Advantage contracts (potentially covering more than one year) and the introduction of more pre-authorization (prior approval) steps, including the use of AI to address fraud and control costs.Medicare Advantage and the “Free” Plan QuestionA recurring theme is whether Medicare Advantage’s free or low-cost plans are really “free.” Josh explains that these plans are genuinely $0 premium because the government subsidizes them, but you’ll still pay the Part B premium, plus out-of-pocket costs when you use services. The trade-off is less predictability, more restrictions on doctor/hospital networks, and a risk of higher costs if you need significant care.If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!MyCare Ohio: A New Managed Care Option for Dual EligiblesWe explore MyCare Ohio, a managed care model that combines Medicaid and Medicare benefits for those who qualify for both. Expanding to all 88 counties in Ohio, this program promises consolidation, fewer cards to carry, and—potentially—lower out-of-pocket costs for those with low income and assets. Eligibility, plan availability, and making sure your doctors are in-network are important considerations.How Employers and Retirees Fit InFor people who are still working at 65 or have retiree health coverage, we emphasize comparing employer plans with Medicare options—never simply assuming your current coverage is best. Employers can use experts like Josh’s group to help employees or retirees make smart,...

We shine a spotlight on one of Columbus’s newest community treasures: The Fran Ryan Center. Opened in January 2025 as part of the Columbus Recreation and Parks Department, this vibrant, creative arts and wellness hub sits just east of downtown and serves residents of all ages. We're joined by Kyle Farnbaugh, the center’s manager, who takes us inside the mission, innovative programs, and community partnerships that make the Fran Ryan Center unique.From state-of-the-art studios and intergenerational classes to its new role as the home of the beloved Golden Hobby Shop, the Fran Ryan Center is redefining what a community space can be. In our conversation, we’ll hear about Kyle’s fascinating journey into senior services, the center’s inclusive approach to arts and wellness, and how it’s creating opportunities for both new and established artists in Columbus. Plus, you’ll get an inside look at volunteer opportunities, special events, and the shop where over 300 consigners display handcrafted art.Whether you’re an artist, a supporter of community programs, or simply curious about new ways to get involved in Columbus, this episode is packed with inspiration and practical information. If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!Here are 3 key takeaways from the episode:Inclusive, Intergenerational ProgrammingThe Fran Ryan Center stands out by intentionally welcoming both older and younger adults. We offer programs ranging from beginner to advanced, and are building more opportunities for families, friends, and neighbors of all ages to connect and create together.Affordable Access & Community SupportAccessibility is a core value. The center’s programs are supported by Columbus city operational dollars, meaning fees remain low and flexible. We even offer reduced fees for older adults and ensure materials are provided to make arts participation possible for everyone.Golden Hobby Shop: A Senior Arts MarketplaceNow in a permanent home at the Fran Ryan Center, the Golden Hobby Shop features over 335 senior artisans and relies on volunteer power to fuel its success. Consignors enjoy a supportive, well-run environment to display and sell their handmade works, enriching both their lives and the community.Moments00:00 Senior Services Career Journey05:45 "Voice Program Earns Top Honors"08:06 Unique Offerings of Fran Rhine Center10:35 "Fran Ryan Center Arts Studios"13:50 Intergenerational Family Programming Model19:15 Optimizing Class Costs and Lab Fees20:01 "Lab Fee Range & Registration Info"24:09 Volunteer Opportunities Available27:43 Community Engagement at Fran Ryan Center32:24 Senior-Only Consignment Program Process34:34 Consignment Profit Split Model36:34 "Columbus Souvenirs & Community Support"40:14 "New Artist Residency Program Launched"44:19 "Words of Wisdom & Community Tribute"45:57 Progress Through InitiativeWe would love to hear from you.Give us your feedback, or suggest a topic, by leaving us a voice message.Email us at hello@lookingforwardourway.com.Find us on Bluesky and

We discuss the challenges and opportunities facing Central Ohio as the region experiences rapid—yet manageable—growth. Our special guest, Adam Porr, the Research and Data Officer for the Mid-Ohio Regional Planning Commission (MORPC), joins us to demystify how strategic planning helps drive sustainable development in everything from transportation and housing to air quality and infrastructure.We’ll explore how MORPC’s collaborative efforts shape the future of our region, what goes on behind the scenes in massive projects like the 70/71 Split, and why data-driven decision making is at the heart of it all. From understanding complex issues like zoning and affordable housing to innovative programs like LinkUS and Zone In, Adam shares his unique journey from engineer to urban planner and discusses how community input plays a vital role in building a thriving Central Ohio.Whether you're navigating traffic congestion, concerned about housing options, or interested in creating a more sustainable community, this conversation will give you a deeper look at the planning process keeping Central Ohio moving forward. Plus, find out how you can get involved and make your voice heard. Let's get started!If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!Here are 3 key takeaways for anyone passionate about urban development, community growth, or the future of Central Ohio:Collaboration Drives Regional Success: MORPC is not a legislative body, but rather a catalyst, bringing together local governments to plan, fund, and coordinate critical transportation and infrastructure projects for sustainable growth.Data-Informed Decisions Shape Our Future: The MORPC team leverages detailed data analysis to guide major projects, from air quality monitoring to long-term transportation and housing plans. These insights help communities adapt proactively to trends like population surges and economic shifts.Community Voices Matter: Through programs like Leaders Listen, MORPC actively seeks input from residents and stakeholders. This feedback influences everything from transit corridors to affordable housing strategies—so your voice truly helps shape the future of Central Ohio.Moments00:00 Urban Life's Eye-Opening Impact07:02 Complexity of Urban Planning10:48 Metropolitan Transportation Plans Overview16:32 "Managing Modest Growth Rates"22:03 "Leaders Listen: Annual Public Survey"31:24 "Link Us: Bus Rapid Transit Plan"36:50 Central Ohio's Transit-Centric Development Plan40:22 Complex Zoning Hinders Urban Growth43:18 Advocating for Missing Middle Housing52:02 Building Codes Impact on Housing Crisis57:11 Central Ohio Population Change Factors58:51 Columbus: Attract Migrants to Grow01:07:08 Novice-Friendly Bike Routes InitiativeWe would love to hear from you.Give us your feedback, or suggest a topic, by leaving us a voice message.Email us at hello@lookingforwardourway.com.Find us on Bluesky and Facebook.Please review our podcast on Google!And of course, everything can be found on our website,

Networking Tips: "If you connect with someone in a company that you're interested in working for, please don't ask them if they have any jobs available. What you're really asking is, what's it like to work for this company?" - Sharon HamersleyWe are joined by career expert Sharon Hamersley, known to many as the LinkedIn and Resume Coach. Together, we talk about the complex world of job searching, especially for those who've spent years in their careers and now face a rapidly changing job market. From recognizing the early warning signs that your job might be at risk, to crafting a job search strategy, and making the most of professional networks and community resources, this episode is packed with practical advice for job seekers of all ages.Whether you're navigating an unexpected layoff, planning your next career move, or considering retirement but not quite ready to stop working, Sharon's insights will help you take control, stay prepared, and approach your next step with confidence. Plus, we highlight how resources like libraries, state agencies, and networking can empower you on your journey. Grab a notebook because this episode is full of actionable tips to make your job search more successful and less overwhelming.Whether you’re thinking about a career move, worried about stability, or planning for retirement, this episode packs real-world advice you can put to use right now. Here are our top 3 takeaways:Stay Ready, Not Paranoid: Don’t wait for a crisis. Regularly update your resume, LinkedIn profile, and keep notes on your skills, achievements, and networking connections, never on your work computer!Networking is Research, Not Begging: True networking isn’t about asking for a job, it’s about gathering information and advice, expanding your perspective, and forming mutually beneficial connections. Start by reaching out to alumni groups, professional organizations, and even local volunteering opportunities.Use Community Resources: Libraries, state/county agencies, and nonprofits like Goodwill are goldmines for free career services, workshops, databases, and upskilling opportunities (like LinkedIn Learning via your library).If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!Moments05:12 Reorganization and Leadership Change08:59 "Layoff Risks for All Levels"12:04 "Prepare for Unexpected Job Changes"14:53 Career Evaluation Strategy16:38 Job Search: Avoid Desperation20:16 Choosing Your Ideal Work Environment23:33 Columbus Library's Career Resources29:24 Building Connections Through Volunteering30:38 Reach Out: Networking Beyond Management35:03 Concise Resume & Cover Letter Tips39:49 Essential Record Keeping Tips43:07 "Applicant's Diligence Secures Job"44:54 Expand Networks Through Informational Interviews48:35 Preparedness Key for Job Assistance53:17 Vet and Upskill for EmploymentWe would love to hear from you.Give us your feedback, or suggest a topic, by leaving us a voice message.Email us at hello@lookingforwardourway.com.Find us on Bluesky and

The Healing Power of Songwriting: "I don't know how to write a song that doesn't have something to do with healing." - Eric GnezdaWe sit down with the multi-talented Eric Gnezda—an award-winning singer-songwriter, storyteller, and the creative force behind PBS’s Songs At The Center. Broadcasting from Columbus, Ohio, and airing on over 400 PBS stations nationwide, Songs at the Center celebrates the power of music and the often unsung art of songwriting.Eric opens up about his journey from radio and newspaper columns to producing and hosting a nationally syndicated TV series. He shares how humor and heartfelt honesty shape his songwriting, the pivotal lessons he’s learned from both the music industry and personal challenges, and why he believes music is a profound healing art.We explore the evolution of musical storytelling, the unexpected road to launching a beloved television show, and the importance of authenticity in art and life. Plus, Eric offers a backstage look into the show’s origins, memorable guest moments, upcoming highlights, and his thoughts on guiding the next generation of songwriters.Tune in for an inspiring conversation about creativity, community, and the magic that happens when music brings people together.If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!Moments00:00 "Self-Discovery at 30"10:17 "Nashville's Geographic Influence"13:58 Music as Healing Art16:22 Healing Through Songwriting24:51 Amusing Financial Adviser Visit28:31 Songwriters' Unique Renditions35:15 Annex Memories and Song Lyrics41:50 Internet's Impact on Music Industry45:28 Music Creation Democratized50:57 "Encore Careers and New Opportunities"57:48 The Power of Songwriting Stories01:01:15 Listen and Learn for SongwritingOur top 3 takeaways:Say Yes to Opportunities—Even Unpaid Ones: Eric’s early career was defined by seizing every chance, paid or not, which opened doors in radio, TV, and print. Experience and learning often outweigh immediate income in the long run.Authenticity Creates Impact: Eric shared how blending humor and vulnerability in his songwriting didn’t just shape his music—it created space for healing and authentic connection, both for himself and his audience.Build Your Own Stage: Instead of waiting for permission or the “right place,” Eric launched "Songs at the Center" right in Columbus, Ohio. By owning his platform, he brought national exposure to local creativity, proving it’s not where you build. It's what you build.We would love to hear from you.Give us your feedback, or suggest a topic, by leaving us a voice message.Email us at hello@lookingforwardourway.com.Find us on Bluesky and Facebook.Please review our podcast on Google!And of course, everything can be found on our website, Looking Forward Our Way.Recorded in...

The Importance of Values Over Goals: "That goal might shift or change a little bit as life circumstances change, but usually your values as a person are not changing. What is most important to you, your why isn't changing." Ben HoegerWe sit down with returning guest Ben Hoeger, Director at the Hedley Hoeger Group at Baird Private Wealth Management, to help us navigate the unpredictable world of personal finance. With the stock market experiencing constant ups and downs, rising interest rates, and ongoing uncertainty about retirement savings, it’s easy to feel overwhelmed about securing your financial future.Ben brings his decades of experience and a passion for guiding clients through both the good times and the bad, sharing practical tips on building—and, more importantly, maintaining—a financial plan that works for your unique situation. From the importance of having a solid, adaptable plan to understanding how your values and “why” shape your financial decisions, Ben helps break down complex topics like tax strategies, saving vs. spending, and the emotional side of money.Whether you’re just starting your career, eyeing retirement, or somewhere in between, this episode is packed with actionable advice and a reassuring reminder: information, planning, and the right guidance can help you weather any financial storm. So grab a notebook and get ready to learn how to cushion the blows, protect your future, and feel more confident about your money, no matter what the headlines say.Here are 3 key takeaways for anyone keen on building financial stability:Personalization is Everything: There’s no one-size-fits-all plan. Financial strategies must be anchored in your unique values, history, and life goals. Understanding your “why” helps you stay the course—no matter what the markets do.Planning Is a Verb, Not a Noun: A financial plan isn’t a one-and-done document. Life changes—so should your plan. Treat it as a living guide and make ongoing adjustments to reflect both your current reality and future vision.Build Strong Moats Around Your Castle: Protect yourself from volatility by diversifying not only your investments, but your tax buckets and income sources. Secure “moats” like sufficient cash reserves and flexible insurance solutions are crucial, especially as you approach retirement.If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!Key Moments06:23 Tailored Financial Strategies Vary07:56 "Root Goals in Personal Values"11:46 Balancing Financial Planning and Life17:24 "Evolving Plans: Resumes & Finances"21:25 "Crisis as Opportunity"22:31 Career Crisis Perspective and Adaptation27:21 Retirement Expenses and Tax Planning31:07 Values-Based Financial Planning32:41 Dynamic Financial Planning Essentials35:58 Retirement Readiness Essentials40:46 Generational Team Commitment Benefits44:10 Establishing Trust: Addressing Conflicts48:10 Financial Advisors' Due Diligence Explained48:55 Building a Comprehensive Professional NetworkWe would love to hear from you.Give us your feedback, or suggest a topic, by leaving us a voice message.Email us at hello@lookingforwardourway.com.Find us on Bluesky and Facebook.a...

We welcome Charity Eilerman, manager of Senior Hunger Programs at the Mid-Ohio Food Collective, to discuss the organization's remarkable efforts to support Ohioans facing food insecurity. Since 1980, the Mid-Ohio Food Collective has been a crucial part of the community, providing nourishing meals and supportive services to those in need. Charity shares her extensive background in social services and her passion for addressing senior hunger and nutrition.We explore various programs and services offered by the Mid-Ohio Food Collective, including the unique "farmacy" program that connects patients to fresh food options through health clinics, the Mid-Ohio Kitchen's freshly prepared healthy meals, and the Mid-Ohio markets providing a grocery shopping experience with a focus on fresh foods. Charity also highlights the impact of the Commodity Supplemental Food Program (CSFP), which delivers shelf-stable boxes of food to seniors, and the Senior Mobile Market bringing fresh produce directly to senior housing communities.We discuss the challenges and opportunities of navigating eligibility for programs like SNAP and CSFP, emphasizing the importance of collaboration between agencies to meet the vast needs of the community. The upcoming Eastland Prosperity Center, a human services hub, is another exciting development that will house various programs and services for increased accessibility.Volunteerism and community involvement play crucial roles in the success of the Mid-Ohio Food Collective, relying on dedicated volunteers and generous donors to fulfill its mission of ending hunger one nourishing meal at a time.What You'll Learn:The Evolution of the Mid-Ohio Food Collective: Discover how this community pillar has grown from its early days as a food bank into a comprehensive collective with diverse programs.Holistic Approaches to Fighting Hunger: Charity shares how addressing food insecurity involves more than just providing meals – it's about nurturing the whole community.The Power of Collaboration: Learn how working alongside over 630 partner agencies strengthens the collective’s mission and impacts countless lives.Senior Hunger and the Commodity Supplemental Food Program (CSFP): Understand the unique challenges faced by seniors and how programs like CSFP are making a difference.Innovative Solutions and Community Initiatives: From "farmacies" to farming, discover the creative programs supporting food stability and community health.If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!Key Moments06:30 "Explaining Food Bank vs. Pantry"09:10 "Collaborative Nonprofit Efforts in Ohio"12:17 Healthy Food Access Program16:27 SNAP Support for Struggling Families18:07 Mid-Ohio Collaborative Service Hub22:19 Program Expansion Eases Senior Isolation24:33 Senior Mobile Markets for Accessibility27:46 Maximizing Food Resources for Seniors31:53 Help Needed: Volunteers and Donors36:04 Community Gardening and Cooking Groups38:04 Mid-Ohio Food Collective InsightsWe would love to hear from you.Give us your feedback, or suggest a topic, by leaving us a voice message.Email us at hello@lookingforwardourway.com.Find us on Bluesky and

Here’s the heart of this episode in a nutshell:This “Looking Forward Our Way” episode is all about helping Ohioans make sense of their utility bills and understand their rights as utility customers. We sit down with Kathryn Metz from the Ohio Consumers’ Counsel (OCC)—basically the state’s watchdog and advocate for regular folks when it comes to utilities like electricity, gas, water, and even landline phones.Why should anyone care? Because utilities are something we all have to deal with, and lately, the costs and choices just keep getting more complicated (and expensive). The OCC isn’t just there for emergencies—they’re fighting every day so you don’t get overcharged, educating you about your options (like how to shop for energy and avoid sneaky contracts), and making sure vulnerable Ohioans (seniors, people with tight budgets) can get help paying bills when they’re struggling. They even break down confusing bills and warn about energy scams that pop up every time prices go up.The episode also dishes on hot topics like the fallout from the House Bill 6 scandal (where Ohio residents ended up footing the bill for a shady energy bailout), the crazy impact of new data centers using tons of electricity, and issues with submetered utilities that can make your bills skyrocket without many protections.Bottom line: If you pay for utilities in Ohio, this is stuff you need to know so you can protect your wallet, avoid scams, and make smart choices about your energy. The OCC is there to help, but step one is staying informed—and that’s exactly what this episode is all about. If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!Here are three key takeaways for every Ohioan:OCC Is Your Advocate: The OCC was established in 1976 to serve as an independent voice for Ohio's residential utility consumers, helping save billions by holding utility companies accountable and ensuring fair pricing.Know Your Options—And Your Bill: Ohioans can shop for energy suppliers, but staying with your utility’s standard offer is often the most cost-effective choice. Always read your bill closely—delivery and supply charges are different, and misinformation or scams can lead to costly mistakes.Beware of Scammers & Protect Your Info: Never share your utility account number freely—it should be as protected as your Social Security number. Beware of aggressive door-to-door marketers and unintended contract changes. You can request to be put on a utility "Do Not Contact" list for extra protection.Key Moments00:00 Journey from Humanitarian Aid to Teaching03:57 Ohio Utility Consumer Advocacy Agency07:53 Ohio Summer Cooling Assistance Program11:52 AEP Rate Increase Alternatives15:19 "Compare Ohio Energy Suppliers Easily"19:04 Traveling Speakers Share Critical Info21:29 Ohio's Costly Coal Plant Subsidies24:57 Ohio Data Centers Settlement Decision27:30 Beware of Energy Market Scams30:03 Protect Your Utility Account Number33:24 Utility Scams and Submetering Issues36:37 Future Uncertainty for LIHEAP Funding39:07 Ohio Energy Aggregation Rate ChangesWe would love to hear from you.Give us your feedback, or suggest a topic, by leaving us a voice message.Email us at hello@lookingforwardourway.com.Find us on

The Library Reimagined: "We're really talking about, how our library serves a diverse array of customer needs and in in different spaces and places. So that may not be just checking out a book in a branch, but what's the web presence? Right? What's what's the website like? How do we connect with this really growing area of usage with electronic content, ebooks, and especially digital audiobooks is is our, you know, biggest area of growth." - Benjamin Reid, Public Services Director for the Columbus Metropolitan LibraryWe explore the remarkable contributions of the Columbus Metropolitan Library, a vital institution supporting our city's thriving community. We are joined by expert Benjamin Reid, Public Services Director for the Columbus Metropolitan Library. Together, we unveil the transformative programs and services offered by the library, from literacy initiatives for young readers to life skills development, workforce preparation, digital equity, and community partnerships. You will learn how the library is not just about books, but a hub of opportunity, inclusion, and support for all ages.Key Takeaways:Digital Inclusion and Skills: Columbus Metropolitan Library is making strides in bridging the digital divide with its Digital Equity Coalition, digital navigators, and awesome programs like Digital Skills Hub. They're not just about books anymore; they’re about equipping people with the necessary digital tools and skills for today’s world.Workforce Development and Lifelong Learning: From hosting internship fairs to comprehensive job help resources like JobNow and LinkedIn Learning, the library is a powerhouse for job seekers of all ages. They emphasize the importance of lifelong learning to adapt to evolving job markets.Community-Building and Partnerships: Partnerships are key to the library's success. By collaborating with local nonprofits and organizations, they provide extensive support, including services for the justice-impacted and programs for English Language learners. It's all about fostering a thriving, inclusive community.If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!Memorable Moments06:11 "Library Growth and Community Impact"08:44 Carnegie's Impact on Local Libraries11:30 Young Minds Early Literacy Strategy15:46 Essential Life Skills: Digital Inclusion17:52 Franklin County Digital Equity Coalition22:34 Youth Career Preparation Initiatives24:19 Enhancing Library's Community Support26:55 Library Programs & Resources Overview33:10 Main Library's New Hybrid Workspace34:24 Nonprofit Support and Resource Expansion39:21 Leveraging Community Partnerships for Expertise46:53 Supporting English Language Learners (ESL) Together51:30 Rock Photography Exhibit at LibraryWe would love to hear from you.Give us your feedback, or suggest a topic, by leaving us a voice message.Email us at hello@lookingforwardourway.com.Find us on Bluesky and Facebook.Please review our podcast on Google!And of course, everything can be found on our website, a...

"Tax Fairness for Homeowners": "We need to keep senior citizens in their homes or disabled folks or veterans so they get to keep their homes by doing something for the property taxes so they don't get taxed out of their houses." - State Senator Bill DeMoraIn this episode, we look into the pressing issue of the housing crisis and its impact on property taxes in Ohio. Joining us is Ohio State Senator Bill DeMora of the 25th District, who shares his journey from being the "accidental senator" to his current role in public office.Together, we dissect the challenges posed by skyrocketing housing costs and lack of availability, leading to a dramatic 35% increase in property taxes following a recent reappraisal process. Senator DeMora provides insight into the complex property tax system, touching on the intricacies of state and local revenue impacts, as well as the pivotal role taxes play in supporting essential community services such as schools, fire departments, and police.Our discussion also highlights the crucial need for legislative action to address these taxing issues, as citizens grapple with burdensome levies while demanding fair solutions. We encourage you to get involved in the political process, be it through testifying in committees or participating in local government meetings, further underlining the importance of civic engagement in instituting change. If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!Key TakeawaysUnderstanding Property Taxes: How the rise in housing costs and lack of availability have sparked a significant increase in property taxes. Senator DeMora explained the appraisal process affecting both personal and business properties.Legislation & Relief Efforts: The need for practical solutions to address the tax burden, like the suggested circuit breaker, raising the homestead exemption, and freezing property taxes for seniors. It's crucial for legislative action to keep pace with the changing demands.Civic Engagement: The importance of getting involved in local government processes. From testifying at committee hearings to participating in city council meetings, citizen engagement can influence policy changes and bring attention to vital community issues.Key Moments00:00 Accidental Senator Due to Redistricting03:23 State's Funding Shift Sparks Controversy09:11 Civic Participation in Government10:50 "Children's Hearing Aid Bill Passed"14:53 County Property Tax Distribution16:41 Franklin County Housing Demand Surge20:48 Races Influence Ballot Issues Outcome23:38 "Addressing Property Tax Relief Options"28:15 Central Ohio's Collaborative Economic Strategy29:36 Intel Project's Uncertain Future36:03 Property Tax Reforms Needed37:10 Ohio School Funding and Voucher Impact40:16 Ohio's Declining Education Funding45:54 Columbus School Board Overhaul49:16 Franklin County Grants and Resources51:19 Columbus Demands Suburbs Support Affordable Housing54:36 Addressing Property Tax and Housing IssuesWe would love to hear from you.Give us your feedback, or suggest a topic, by leaving us a voice message.Email us at hello@lookingforwardourway.com.Find us on Bluesky and

In this episode we welcome back Tammy Wharton, President and CEO of Girl Scouts of Ohio's Heartland, to give an update on the Dream Big initiative and the new STEM Leadership Center at Camp Ken-Jockety. Tammy shares the excitement surrounding the opening of the building and its functional purpose, emphasizing that it serves not only the girls but also the wider community and youth in Central Ohio.Top takeawaysSTEM Leadership Center: The Girl Scouts of Ohio's Heartland has opened a STEM Leadership Center, fulfilling the Dream Big program's promise of promoting STEM education for young girls in Central Ohio.Dream Big Initiative: The program started in 2018, aiming to put 2.5 million girls in the STEM pipeline by 2025. It's a transformational step aimed at providing immersive STEM experiences.Community Engagement: The STEM Leadership Center is for all children and community members in Central Ohio, offering various programs and collaborations with schools and community groups.Ohio State of the Girl Report: This report, created by Girl Scout councils across Ohio, addresses the challenges girls face and includes actionable steps for teachers, caregivers, and mentors to support them.Digital Literacy: A significant focus is on teaching girls digital literacy, as many challenges such as cyberbullying are linked to technology use.Importance of Physical Activity: Limiting screen time and encouraging outdoor physical activities are vital for improving girls' physical and mental well-being.Combating Bullying: Strategies to combat bullying include establishing supportive connections with caring adults and providing anti-bullying education in schools.Economic and Social Importance of STEM for Girls: Recruiting more women into STEM fields is critical for the workforce, as women make up over 50% of the population but are underrepresented in STEM.Hands-On Learning at the STEM Center: Programs at the center are designed to provide girls with hands-on learning opportunities, like building a dollhouse with a 3D printer, and showcasing potential career paths.Building Confidence and Support Networks: It's crucial for girls to build self-confidence and have supportive networks to improve academic success, fight bullying, and create a positive body image.If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!Key moments04:10 Investing Early in Girls' STEM07:29 "Essential Report for Educators"11:52 Unrealistic Beauty Standards in Media15:59 Promote Anti-Bullying Education20:09 Empowering Girls Through Construction Skills23:32 "Embrace Failure to Succeed"27:15 Building Confidence to Prevent Bullying29:58 Boosting Women in STEM33:51 Empowering Gold Award Girl Scouts39:46 Observations on Booth Interactions42:16 Outdoor Classroom for All SchoolsWe would love to hear from you.Give us your feedback, or suggest a topic, by leaving us a voice message.Email us at hello@lookingforwardourway.com.Find us on Bluesky and a...

Facing Retirement: "But isn't it interesting that once you retire, as we call it, right, and you leave that organization...you're faced with that "what am I gonna do now?" Well, what do I wanna do? Well, you haven't thought about it because remember, those thirty years, they were spent all about the organization, all about the next career move, the promotion, the stock options, the 401k." - Eric Pennington, Spirit of EQWe look into the complex and often misunderstood concept of retirement with the guidance of expert guest, Eric Pennington. As the managing partner of Spirit of EQ and author of "The Well-being Guide," Eric brings a unique perspective on the emotional intelligence required to face retirement's challenges and opportunities. Together, we explore the fear and misconceptions surrounding retirement, the pressure from societal norms and marketing, and the essential resources needed for a fulfilling post-career life. Eric emphasizes the importance of self-discovery, building emotional intelligence, and preparing mentally and physically for this new chapter. Whether you're nearing retirement age or just starting to consider your future, this episode offers valuable insights on redefining retirement and creating a meaningful and purposeful life beyond traditional career paths. We uncover the myths of retirement and learn how to navigate the emotional journey toward this next adventure.If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!Here are three key takeaways from our conversation:Rewire Your Mindset: Your brain is capable of being rewired, even as you approach retirement. Building emotional intelligence is crucial to facing retirement without fear. Embrace the idea of lifelong growth and redefine what retirement means to you.Build Your Resources: Whether it’s financial savings, health, or emotional support, start building your resources now. Remember, this isn't just about money. Focus on mental, physical, and emotional well-being to prepare for a fulfilling journey ahead.Curiosity and Purpose: Never stop asking questions about your purpose and emotional experiences. Cultivate curiosity and explore what genuinely matters to you, so that when the time comes, you know what your next step will be.Episode Highlights00:00 Developing Emotional Intelligence with Data06:00 "Evolved Minds, Ancient Instincts"07:51 Marketing and the "Not Enough" Culture12:49 Challenging Age-Related Cultural Norms14:17 "Age is Just a Number"18:22 Retirement Planning and Adaptation22:39 Defining Life's Next Journey27:18 "Defining Life's Purpose"28:09 "Post-Retirement Purpose Dilemma"31:19 Exploring Self-Knowledge and Growth36:55 Reflecting on Career Preferences40:02 Weekend Retreat for Self-Discovery42:50 "Empowerment Beyond Retirement Age"46:00 "The Power of Curiosity"48:37 Timely Adaptation Challenges53:26 "Building Your Resource Pillars"57:40 Insights on Thinking Fast and Slow59:05 "Lisa Feldman Barrett Books"We would love to hear from you.Give us your feedback, or suggest a topic, by leaving us a voice message.Email us at hello@lookingforwardourway.com.Find us on Bluesky and

Rethinking Retirement: "People now look at that phase of life after you leave your career, 65 or older, could be 55 or older, as an opportunity to live life differently than you have before." Mark MatsonWe sit down and talk with Mark Matson about transitioning into new phases of life and building a rewarding encore career while giving back to the community. As Mark nears 70, he finds himself with more time for personal interests like swimming and planning a cross-country adventure, though he still enjoys his current job and the surprises it brings.Mark shares a touching story about helping a guy named Paul move from an 1800 square foot house to a much smaller assisted living space. This wasn't just about logistics; it involved handling strong emotional attachments and practical needs. He talks about the importance of guiding people through such transitions with respect, understanding the sentimental value of their belongings, and finding new homes for cherished items.If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!Shifting gears, Mark talks about his past in HR, where he spent years working on talent assessment, training, and development. Over time, he collected a ton of personal assessments like Myers-Briggs, DISC, and Enneagram, helping him understand his strengths, weaknesses, and creativity. This eventually led him to explore new interests like interior decorating, thanks to encouraging words from friends and colleagues.Retirement planning is another big topic in Mark’s journey. He created a program called "Career Encore" with an HR firm and explored the idea of retirement coaching. Through interviews with retirees, he gained insights on staying active and avoiding a stagnant retirement. Mark’s venture into business happened almost by accident. A friend needed help managing home renovations and asked Mark to step in. Applying his HR skills in this new context, he discovered a love for home improvement projects. This led to him starting his own “residential concierge” business, handling everything from beekeeping to home renovations. The gig let him use his talent management, emotional intelligence, and communication skills in a new, exciting way, rekindling his joy for seeing tangible results.Mark recounts the stress of his previous HR role, particularly dealing with layoffs, and his decision to leave in search of more fulfilling work. This resonates with many in his age group who face unexpected career shifts and the challenges that come with them.Starting his own business wasn't easy, but Mark got invaluable help from accountants and attorneys. He stresses that his journey wasn't meticulously planned—he took it one day at a time, staying motivated and faithful. Networking, researching opportunities, and putting positive intentions out there were crucial.Mark's approach to Medicare is pretty creative too—he's got a visual “thermometer” to count down the months until eligibility, cutting down health insurance costs. Through his career shifts, he discovered skills he didn't know he had, getting to enjoy personal fulfillment and flexibility by being his own boss. This episode embodies the value of recognizing transferable skills. It's a conversation full of insights and encouragement for anyone looking to transition into a new chapter in life while making a meaningful impact.Memorable Moments00:00 Career journey from Congress to HR director.07:17 Wish society forewarned uncertain job losses sooner.14:51 Divine intervention helped avoid challenging job situation.21:10 Daily reliance and unexpected opportunities unfold daily.26:50 Developed career encore course with...

What steps should you take if you suspect your identity has been stolen?We are joined by guest Victor Russell, Operations Manager at Apprisen, to explore the pervasive issue of financial scams and how individuals can protect themselves. The discussion covers various scams, primarily targeting seniors, such as the "grandparent scam" where victims are manipulated into sending money continuously until they realize they have been deceived. Another prevalent scam involves romance, where lonely individuals are exploited into giving money, leading to severe financial repercussions like unmanageable debts.Russell underscores the importance of regularly obtaining a credit report to defend against identity theft, given the frequency of database breaches. He recommends using AnnualCreditReport.com to obtain detailed reports from the three major agencies.To add another layer of protection, Russell recommends freezing credit reports, which can prevent unauthorized loans but must be unfrozen before applying for new personal loans.Victor advises against responding to unsolicited digital communications, especially those with suspicious links, as they are often scams. Government agencies like the IRS and the Social Security Administration do not request sensitive information via email or phone.He also stresses the importance of younger individuals being cautious about their online presence, sharing an example involving his daughters and potentially compromising online content. Support this Podcast For those who fall victim to identity theft, Russell outlines a process: contact financial institutions and credit card companies notify the Social Security office file a police report. ftc.gov and the AARP Fraud Watch Line assist identity theft victimsSocial Security Administration and the Consumer Financial Protection Bureau also offer support.Apprisen, the organization Russell represents, is a non-profit agency providing a range of financial services for over 70 years, including debt management, credit health education, housing counseling, and assistance with student loan management. Most services are free, though some may have fees based on income eligibility.Apprisen’s free & secure financial analysis: https://iris.apprisen.com/Key Moments00:00 Negotiating terms, managing expenses, and providing credit education.04:26 Lower interest rates boost homebuying and counseling.08:04 Rise in grandparent scam targeting seniors via phone.10:42 Rising scams target financially stable, vulnerable individuals.13:17 Check credit reports for identity theft detection.19:29 Verify contacts and email sources for security.22:53 Fraud incident led to insurance and identity loss.25:51 Be cautious responding to unsolicited digital surveys.28:28 Be cautious with text communication; it's public.31:46 File police report, and notify financial institutions immediately.37:08 Protect and monitor investments against potential threats.40:02 Unfreeze credit report for loan approval issues.41:24 Keep Medicare card secure to prevent theft.47:19 Listener resources included in show notes.49:12 Regularly check and reconcile financial statements.We would love to hear from you.Give us your feedback, or suggest a topic, by leaving us a voice message.Email us at hello@lookingforwardourway.com.Find us on a...

Our focus is on VOICECorps, an essential service for individuals with visual impairments in Ohio. Featuring guests Mark Jividen, the Executive Director, and Dana Sims, the Marketing and Development Director, the episode explores the organization's impactful work, its adaptation to new technologies, and the crucial role of volunteers.Mark Jividen starts by discussing how the prevalence of blindness has shifted over time. Previously, many young people were affected by diseases now largely conquered. Today, the issue is more prevalent among the aging population due to conditions like diabetes, glaucoma, and age-related macular degeneration (AMD). This rise in blindness among the elderly population coincides with a reduction in traditional support systems, leading to increased isolation. Dana Sims outlines how Voicecorps serves this community by providing real-time news and information, such as reading grocery ads, which helps foster independence. The service also offers entertainment and a friendly voice, creating a sense of community and combating isolation. Volunteers, who often form long-term relationships with listeners, are integral to VOICECorps' operations. Sims notes that the service's programming is reminiscent of old-time radio, blending news and entertainment in a holistic manner.Daily broadcasting operations at Voicecorps are comprehensive, starting with live broadcasts from 7 AM to 10:30 AM, including segments like the Wall Street Journal and local news. Most content is prerecorded and undergoes quality checks before broadcast. If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!The organization has consistently upgraded its equipment to a fully digital operation, funded by state capital budgets and local foundations over the past six years. VOICECorps offers programming in two formats: live and on-demand, akin to podcasting, and began streaming content in 2001. They are now transitioning to a podcast platform for easier access and subscription.Listeners can provide feedback and suggest new materials through a feedback line, and the service is accessible via several methods including live streaming on their website, smart speakers, over-the-air broadcasting in several Ohio cities, virtual TV channels, and SAP channels on Ohio cable. Applications are available for both Android and iPhone users. Voicecorps encourages listener engagement to provide feedback to supporters and volunteers.Founded by individuals with visual impairments and utilizing FM radio subcarriers for background music, VOICECorps launched on November 17, 1975, and is approaching its 50th anniversary. It was one of the first such services in the U.S. and remains unique due to its initiation by service recipients. The podcast highlights how Voicecorps reduces isolation among people, particularly the elderly, by providing timely information and connecting them to resources. The episode ends with a call to foster relationships, share contact information, and continue to impact lives positively.Key Moments00:00 Broadcasting career spanned decades in Columbus radio.06:05 Early talking books: vinyl for accessibility.07:20 Voicecorps began broadcasting timely news, 1975.12:51 Empowering independence through accessible news and advertisements.16:05 Volunteers read, diverse backgrounds, remote flexibility.20:32 Programs can be recorded and shared remotely.23:25 Technology accelerated growth during pandemic challenges.28:31 Broadcast isn't live after 10:30; it's prerecorded.32:04 Transitioning from streaming to...

The federal government created individual retirement accounts (IRAs) in the mid-1970s as a retirement savings vehicle. Over time, the financial landscape has changed, impacting tax consequences and distribution rules for IRAs, especially inherited non-spousal accounts.We welcome expert Larae Schraeder from Schraeder Law to discuss Individual Retirement Accounts (IRAs) and the associated financial and tax consequences, particularly for inherited non-spousal accounts. Larae, who transitioned from financial services to law, brings expertise in estate planning, probate, and elder law. She underscores that IRAs, typically tied to an individual's Social Security number, provide special tax treatment. This discussion broadens to include other retirement accounts like 401ks and 403(b)s, underscoring their importance as pensions fade away.Key topics include required minimum distributions (RMDs) that mandate individuals withdraw a minimum amount annually once they reach a certain age. Updating beneficiary designations is crucial to ensure accounts bypass probate and avoid complications. Fees are another critical issue. Understanding all associated costs and their impact on your financial planning is essential. The complexities of inheriting IRAs are also discussed. Legislative changes now require non-spousal heirs to withdraw inherited IRAs within ten years, often resulting in significant tax burdens. Qualified charitable distributions can help reduce taxable income.Surviving spouses have more options; they can treat the deceased spouse’s IRA as their own or as an inherited IRA. Lorraine advises professional guidance to tailor strategies according to individual situations, particularly because some decisions have strict deadlines following the account holder's death.Debts of the deceased are also addressed. Generally, debts aren't passed to heirs, but IRAs without beneficiaries can be used to pay off debts during probate. Therefore, having designated beneficiaries ensures funds pass directly to heirs.Key TakeawaysBeneficiary Designations: It's crucial to keep beneficiary information up-to-date. Outdated or unclear designations can lead to unintended consequences and added complexity for your heirs.Understanding RMDs: Required Minimum Distributions (RMDs) can significantly impact your taxable income and Medicare costs. Knowing the RMD rules and planning ahead can help mitigate these effects.Inherited IRAs: If you inherit an IRA, especially as a non-spousal beneficiary, understanding the recent legislative changes and the 10-year distribution rule is essential to manage tax obligations effectively.If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!Key Moments00:00 From Finance to Estate Law04:09 IRA Importance for Retirement Savings09:31 Estate Benefits: Naming Pitfalls11:02 Choosing the Right IRA Custodian14:48 Automatic Fund Transfers & Beneficiary Updates17:58 Marriage's Impact on Beneficiary Designations23:14 Unintended Financial Gaps in Inheritance26:38 Qualified Charitable Distributions Limitations30:37 Plan Early for IRA Distributions34:03 Managing Estate Disputes as Executor37:13 Inherited IRA Decision GuidanceWe would love to hear from you.Give us your feedback,...