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SANTA CRUZ SENTINEL SUNDAY, JUNE 29, 2014 LIVE IT UP! 21 Call today for more information or to schedule a consultation. UNCERTAIN ABOUT YOUR FINANCIAL FUTURE? MAYBE IT'S TIME FOR A SECOND OPINION. Brian Cooke Financial Advisor CA Insurance #0D63585 1500 41st Avenue Suite 244 Capitola, CA 95010-0000 (831) 476-7283 brianm.cooke@lpl.com Member FINRA/SIPC Brian Cooke Financial Advisor CA Insurance #0D63585 1500 41st Avenue Suite 244 Capitola, CA 95010-0000 (831) 476-7283 brianm.cooke@lpl.com Welcome Baby Boomers. We've been waiting for you! Seniors (62 years and better) and Baby Boomers (those born between 1946 to 1964) represent the fastest growing segments of our population. This raises a huge need for new information and an understanding of what you will need to age gracefully in the next phase of your life. Many Baby Boomers and their parents aren't sure of their options. We are offering Free-Senior Living Workshops to provide ideas as you plan your future. A sample of our workshop topics: • How Soon Can I Retire? • Financing your Retirement • How to Sell your Properties and pay NO Capital Gains • Preparing to Downsize and/or Move • Transferring your Assets • Protecting your Real Estate Assets • How to Remain in your Current Home Before and After Retirement • Medicare Whether you are already enjoying retirement or looking ahead toward your Golden Years, these workshops are for you! Call us today to reserve your spot or visit our website to see our Summer schedule www.SeniorLivingSantaCruz.com *If you would like to arrange a private meeting for you, a loved one, or your club/group contact us today! You Deserve the Best! Jeanne, Kathie and Mike Universal Design goes further by recog- nizing that there is a wide spectrum of human abilities. Everyone, even the most able-bodied person, passes through childhood, periods of temporary illness, injury and old age. By designing for this human diversity, we can create things that will be easier for all people to use. Make sure that you work with a design team on your remodeling plans that can suggest areas that can be prepared to accept grab bars, zero step entries and showers, stacking closets for future elevator installation, kitchen appliance placement for comfort and safety before the need for these items is apparent. Industry trends are focusing on the fact that 76 million Baby Boomers are going to reach age 65 in the next 10 years. Manufacturers are designing bath and kitchen fixtures that are as beautiful as they are functional. Designers are looking at widening doorways and using solid flooring without thresholds, as part of standard practices. Written by Jeff Talmadge, Certified Aging in Place Specialists through the National Association of Home Builders. continued from pg 20