Seniors in Transition/ Aging in Place • August 26, 2025

Post 13 of the Series – Navigating the Next Chapter: A Guide to Senior Housing Transitions

by Kathleen Moniello

Step 2 – Identify Your Obstacles and Concerns

Before you can plan effectively for the future, it’s important to understand what’s not working in the present. Step 2 in our 12-step planning process invites you to take an honest look at your current living situation and identify the obstacles that may be affecting your safety, comfort, or quality of life.

This step is not about focusing on limitations—it’s about gaining clarity. By writing down your concerns, you begin to see what needs to change and why. This process helps you prioritize next steps and gives your family and advisors a clear picture of your needs.

Why This Step Matters

Everyone faces challenges as they age. What matters most is how you respond. Identifying your obstacles now—before a crisis—puts you in control and allows you to plan proactively.

Understanding your current barriers can help you:

Clarify what’s preventing you from living the life you want
Prioritize changes that will improve your safety and independence
Communicate your needs clearly to family members and professionals
Lay the groundwork for future decisions about staying or moving

Use the Obstacles Worksheet to Get Started

We’ve created a simple, guided tool to help you reflect:
📄 [Download the Aging in Place Obstacles Worksheet]

For each obstacle, describe:

What the issue is
Why it concerns you
How it impacts your daily life
What you’ve tried (if anything) to address it

To help stimulate your thinking, consider these common categories:

Physical Environment (e.g., stairs, lighting, layout)
Health and Mobility (e.g., fatigue, chronic conditions)
Daily Living Activities (e.g., cooking, bathing, errands)
Safety Concerns (e.g., fall risks, emergency access)
Social and Emotional Well-Being (e.g., isolation, anxiety)
Transportation and Access (e.g., driving, public transit)
Financial Stress (e.g., home repair costs, care expenses)

Example Entry

Obstacle	Why It Concerns Me	Impact on Daily Life	What I’ve Tried
I have trouble using the stairs to get to my bedroom.	I’m afraid of falling, especially at night.	I avoid going upstairs during the day and sleep on the couch.	I’ve looked into stair lifts but haven’t taken action yet.

What’s Next?

Once you’ve identified your obstacles, you’ll be better prepared to explore solutions. In our next post, we’ll talk about Step 3: Gathering a Trusted Team of Advisors—the professionals who can help you evaluate your options and create a plan that supports your goals.

Want the Full Guide Now?

If you’re ready to dive deeper into all your housing options without waiting for the full blog series, you can download the complete workbook today. Navigating the Next Chapter: Housing Options for Seniors in Transition is packed with expert insights, practical worksheets, and step-by-step guidance to help you or a loved one make confident, informed decisions.

Click here to get your complimentary copy now.

About Forevermore Homes

We’re the Forevermore Homes Team of Coldwell Banker, and we’re passionate about helping seniors and their families make confident, informed decisions about housing and care. Whether you’re modifying your home, downsizing, or exploring senior living options, we’re here to guide you every step of the way.

Seniors in Transition/ Aging in Place • August 24, 2025

Post 12 of the Series – Navigating the Next Chapter: A Guide to Senior Housing Transitions

by Kathleen Moniello

A Step-by-Step Planning Process for Choosing the Right Living Arrangement

Making the right housing decision in retirement is one of the most important—and personal—choices you’ll face. It’s not just about bricks and mortar. It’s about how and where you want to live as you age, and how that choice supports your independence, safety, relationships, and overall well-being.

This decision requires balancing a wide range of factors:

Emotional ties to your current home and community
Physical needs that may change over time
Financial realities and long-term sustainability
Personal goals for lifestyle, connection, and care

You may be asking:

Should I stay in my current home and make modifications?
Should I move to a different home that better suits my needs?
Should I transition to a senior living community?

There’s no one-size-fits-all answer—but there is a process that can help.

This 12-step guide offers a clear, structured approach to help you explore your options with confidence and clarity. And while this journey is deeply personal, it’s not one you should take alone. We encourage you to involve trusted family members, friends, and advisors early and often. Their insights and support can make the process smoother and more empowering.

Step 1: Start with Your Vision – Defining What Quality of Life Means to You

Before making any decisions about where or how to live as you age, it’s important to pause and reflect on what truly matters to you. Aging in place isn’t just about staying in your home—it’s about living in a way that supports your well-being, independence, and sense of purpose.

A personal vision statement can help clarify your priorities and guide your decisions. It becomes a touchstone you can return to as you evaluate options, make changes, and communicate your wishes to loved ones and care providers.

How to Write Your Vision Statement:

Reflect on Your Core Values
What brings you joy and purpose? What do you value most—independence, connection, creativity, spirituality?
Envision Your Ideal Day
Where are you living? What are you doing? Who are you with? How do you feel?
Consider Your Needs and Preferences
Think about physical comfort, social interaction, access to nature or hobbies, and support with daily tasks.
Identify What You Want to Avoid
Are there situations or routines that would feel isolating or limiting?
Write It Down in Your Own Words
It can be a paragraph, a list, or even a letter to your future self. The key is that it feels authentic to you.

Sample Vision Statement:

“I want to live in a place where I feel safe, connected, and respected. I value my independence, but I also want to be close to people I care about. I enjoy being outdoors, reading, and attending community events. I want to stay active and engaged for as long as possible, with support available when I need it. My home should be easy to navigate, filled with light, and reflect who I am. I want to age with dignity, surrounded by kindness and purpose.”

Use the Vision Worksheet to Get Started

We’ve created a simple, guided tool to help you reflect on your obstacles:
📄 [Download the Aging in Place Vision Worksheet]

Taking the time to write your vision statement is a powerful first step. It helps you stay focused on what matters most and ensures that any changes you make—whether to your home, your routines, or your support system—are aligned with your values and goals.

Want the Full Guide Now?

Click here to get your complimentary copy now.

About Forevermore Homes

Seniors in Transition/ Aging in Place • August 19, 2025

Post 11 of the Series – Navigating the Next Chapter: A Guide to Senior Housing Transitions

by Kathleen Moniello

Comparing the Cost of Living at Home vs. a Senior Living Community

In Post 10, we explored how to choose a senior living community that aligns with your lifestyle, values, and care needs. But before making a final decision, it’s important to understand the financial side of the equation—especially when comparing the cost of staying at home versus moving into a senior living community.

Many people focus solely on the monthly fee of a senior community and assume it’s more expensive than staying in their current home. However, this comparison is often misleading. Why? Because it doesn’t account for all the hidden or overlooked costs of homeownership.

Common Expenses to Include in Your Home Budget:

Mortgage or rent (if applicable)
Property taxes and homeowners’ insurance
Utilities
Home maintenance and repairs
Lawn care and snow removal
Housekeeping services
Groceries and dining out
Transportation (gas, car insurance, maintenance)
Security systems or monitoring
Fitness memberships or wellness programs
Social activities and entertainment
In-home care or companion services (if needed)

And don’t forget to budget for capital improvements like roof replacement, HVAC upgrades, plumbing or electrical repairs, and accessibility modifications. These costs can add up quickly—and they’re often unpredictable.

Use a Monthly Cost Comparison Worksheet

To help you make a clear, side-by-side comparison, we recommend using a Monthly Cost Comparison Worksheet. This tool allows you to:

List all current expenses associated with living at home
Compare them to the all-inclusive monthly fee of a senior living community
Identify potential savings or added value
Make a more informed financial decision

When evaluating senior living options, it’s essential to look beyond the monthly price tag and consider the full value of what you’re receiving.

Tangible and Intangible Benefits

Senior living communities often include:

Access to healthcare services
Engaging social activities
High-quality amenities
Favorable staff-to-resident ratios
Maintenance-free living

But just as important are the intangible benefits: peace of mind, improved quality of life, reduced isolation, and a sense of belonging. These elements, while harder to quantify, are often what make a place feel like home.

Ultimately, the right choice balances affordability with the richness of experience and support it provides.

In Post 12, we’ll introduce a step-by-step planning process to help you move forward with clarity and confidence—whether you decide to modify your current home or make a move.

Want the Full Guide Now?

Click here to get your complimentary copy now.

About Forevermore Homes

Seniors in Transition/ Aging in Place • August 17, 2025

Post 10 of the Series – Navigating the Next Chapter: A Guide to Senior Housing Transitions

by Kathleen Moniello

Choosing a Senior Community

In Post 9, we explored the many types of senior living communities—from independent living to assisted living, memory care, and CCRCs. If you’re beginning to think that community living might be a good fit for you, the next step is just as important: finding the right community.

Choosing a senior living community is not just about services and costs—it’s about finding a place that feels like home and supports your lifestyle, values, and well-being. To make the best decision, it’s important to reflect on what truly matters to you.

Start with Self-Reflection

Ask yourself:

What kind of environment makes me feel most comfortable?
How important is access to nature, social activities, or spiritual services?
Do I want a vibrant, active community or a quieter, more private setting?
What level of healthcare access do I need now—and might need in the future?

These questions help clarify your priorities and guide your search toward communities that align with your personal goals.

Use a Community Comparison Worksheet

To help with this process, we recommend using a Community Comparison Worksheet. This tool allows you to identify and rate features based on your personal preferences. Use High, Medium, and Low to rate how important each feature is to you.

Examples of criteria you might rate include:

Proximity to family and friends
On-site healthcare services
Pet-friendly policies
Dining options and dietary accommodations
Fitness and wellness programs
Transportation services
Religious or spiritual services
Cultural or educational activities
Staff-to-resident ratio
Community atmosphere and aesthetics

This worksheet helps you stay focused on what truly matters and makes it easier to compare communities side by side. It’s especially helpful when touring multiple locations or involving family members in the decision-making process.

In Post 11, we’ll take a closer look at the cost of living at home versus living in a senior community—a key factor in making an informed and sustainable choice.

Want the Full Guide Now?

Click here to get your complimentary copy now.

About Forevermore Homes

Seniors in Transition/ Aging in Place • August 12, 2025

Post 9 of the Series – Navigating the Next Chapter: A Guide to Senior Housing Transitions

by Kathleen Moniello

Community Living Options for Seniors

In Post 8, we explored private housing options like downsizing, condo living, and multigenerational households. But for many older adults, the desire for more support, safety, or social connection leads them to consider community living.

Community living offers a range of environments designed specifically for older adults, with varying levels of care, services, and amenities. Whether you’re looking for a vibrant social scene, peace of mind with onsite care, or a full continuum of support, there’s likely a community that fits your needs.

Independent Living Communities

Ideal for older adults who can manage daily life independently but want added convenience and connection.

Housing: Typically private apartments or studios
Costs: Monthly fees cover room, board, and services; some charge a one-time move-in fee
Services: Meals, housekeeping, transportation, and most utilities
Care: Personal care (like help with ADLs) is arranged separately through home care agencies
Lifestyle: Rich calendars of activities and amenities—fitness classes, art workshops, day trips, religious services, and more

Assisted Living Communities

Designed for those who need help with activities of daily living (ADLs) such as bathing, dressing, or medication management—but don’t require 24/7 medical care.

Housing: Private apartments or studios
Costs: Monthly fees plus care costs based on assessed needs
Services: Meals, housekeeping, transportation, and most utilities
Care: Onsite caregivers provide personal care; a nurse case manager determines care level
Lifestyle: Similar to independent living, with added peace of mind from onsite support

Memory Care

A specialized form of assisted living for individuals with Alzheimer’s, dementia, or other cognitive impairments.

Environment: Secure settings with enhanced safety features and structured routines
Staff: Specially trained in memory care and behavioral support
Costs: Typically higher than standard assisted living due to increased care needs

Continuing Care Retirement Communities (CCRCs)

CCRCs offer a full continuum of care—independent living, assisted living, memory care, and skilled nursing—all on one campus.

Entry Fee: Significant upfront payment (buy-in), varying by contract and unit
Monthly Fees: Ongoing fees that may increase with care level
Contracts: Types A, B, and C determine how care is paid for and what’s refundable
Eligibility: Health assessments determine entry and care level
Lifestyle: Residents enjoy a vibrant, long-term community with the ability to age in place

Community living can offer the support, safety, and social engagement that many older adults seek—especially as care needs evolve. But with so many options, how do you choose the right one?

In Post 10, we’ll walk you through the process of choosing a senior living community—including how to evaluate your needs, compare communities, and ask the right questions during tours. Understanding your options is the first step; choosing the right fit is the next.

Want the Full Guide Now?

Click here to get your complimentary copy now.

About Forevermore Homes

Seniors in Transition/ Aging in Place • August 10, 2025

Post 8 of the Series – Navigating the Next Chapter: A Guide to Senior Housing Transitions

by Kathleen Moniello

My Current Home Isn’t Working—Now What?

Realizing that your current home no longer meets your needs can be a powerful turning point. Whether it’s due to physical barriers, difficulty accessing care, or a growing sense of isolation, these challenges often prompt a critical question: What are my options?

Recognizing that a change is needed opens the door to exploring a range of housing possibilities. In this post, we’ll focus on private living options—choices that offer flexibility and independence while still requiring thoughtful planning. In the next post, we’ll explore community-based living options, which may offer more built-in support and social engagement.

Private Living Options for Seniors

Choosing a private living arrangement in retirement can offer comfort, autonomy, and familiarity—but it also comes with responsibilities. Here’s an overview of three common options:

🏡 House

Staying in your current home—or downsizing to a smaller one—can be a great way to maintain independence. However, homeowners are responsible for:

Ownership: Paying property taxes and homeowners insurance
Maintenance: Managing lawn care, snow removal, and repairs
Improvements: Budgeting for major updates like a new roof or windows
Accessibility: Making modifications such as grab bars, ramps, or stair lifts

🏢 Condominium

Condos offer a lower-maintenance lifestyle while still allowing for ownership:

Ownership: You still pay property taxes and insurance
HOA Services: Exterior maintenance, landscaping, and snow removal are typically covered by a monthly fee
HOA Rules: Restrictions may apply to pets, rentals, or renovations
Shared Improvements: The HOA manages major projects, but you may be charged special assessments
Accessibility: You’re responsible for any interior upgrades to improve safety and mobility

🏘️ Multigenerational Living

This setup involves multiple generations—such as grandparents, parents, and children—living together under one roof or on the same property:

Living Setup: May include a private suite or an accessory dwelling unit (ADU)
Benefits: Eases caregiving, reduces living costs, and strengthens family bonds
Challenges: Can raise privacy concerns or financial inequities, especially if one child provides or receives more support than others

While private living offers independence, familiarity, and flexibility, it’s not the right fit for everyone—especially as care needs increase or social connection becomes more important. In addition to the options we’ve highlighted here, there are many other private housing arrangements worth considering. These include apartments, age-restricted 55+ communities, affordable senior housing, and shared living situations—such as the increasingly popular “Golden Girls” model, where unrelated older adults share a home for companionship and cost-sharing.

Each of these options comes with its own set of benefits and trade-offs, depending on your lifestyle, health, and financial goals. If you’re exploring alternatives, community living options may provide the added support, safety, and social engagement you’re looking for.

In Post 9, we’ll take a closer look at what community living entails and the different types available—from independent living to assisted living and continuing care retirement communities (CCRCs). Understanding both private and community options will help you make a confident, informed decision about your next chapter.

Want the Full Guide Now?

Click here to get your complimentary copy now.

About Forevermore Homes

Seniors in Transition/ Aging in Place • August 5, 2025

Post 7 of the Series – Navigating the Next Chapter: A Guide to Senior Housing Transitions

by Kathleen Moniello

Planning for Care Costs: What You Need to Know

As we discussed in Post 6, deciding whether to Modify or Move™ is a deeply personal choice that depends on your health, lifestyle, and long-term goals. But no matter which path you choose—staying in your current home, downsizing, or relocating to a senior living community—there’s one factor that must be part of the conversation: the cost of care.

According to national estimates, nearly 70% of adults over 65 will require some form of long-term care. That care might last a few months or span several years, depending on your health and circumstances. And while housing is a major consideration, care costs are often separate—and substantial.

These expenses can include:

Hourly or daily rates for in-home care aides
Monthly fees for assisted living or memory care
Medical and personal care costs in skilled nursing facilities

According to the Genworth Cost of Care Survey, the cost of long-term care services continues to rise across all care types. This interactive tool allows you to look up median costs by state and by type of care, helping you better understand what to expect in your area and plan accordingly. With costs varying significantly by location and level of care, early planning is essential to avoid unexpected financial strain.

At Forevermore Homes, whether you’re staying put, selling your home to downsize, or relocating to a senior living community, we encourage you to align your housing decisions with a thoughtful care funding strategy. Planning for care costs is just as important as choosing where to live. By taking a proactive approach—ideally with the support of a financial advisor who specializes in senior living and long-term care—you can ensure your future is both secure and aligned with your personal goals.

These professionals often collaborate with elder law attorneys and estate planners to create a comprehensive, proactive plan that protects your well-being and your legacy. Using sophisticated modeling tools, they can help you forecast future expenses based on your current assets, income, projected care needs, and life expectancy. This kind of planning not only provides peace of mind—it empowers you to make confident, informed decisions about your future.

In our next post, we’ll explore private housing options—including single-family homes, condominiums, and multi-generational living arrangements—to help you understand the full range of possibilities for aging in place. After that, we’ll take a closer look at senior living communities and the support they offer. By understanding your options first, you’ll be better prepared to move into the step-by-step decision-making process that follows.

Want the Full Guide Now?

Click here to get your complimentary copy now.

About Forevermore Homes

Seniors in Transition/ Aging in Place • August 3, 2025

Post 6 of the Series – Navigating the Next Chapter: A Guide to Senior Housing Transitions

by Kathleen Moniello

Understanding Care Needs: A Key Factor in Housing Decisions

In our previous post, we introduced the Modify or Move™ framework—three paths forward when your current home no longer supports your needs. But before making any housing decision, there’s one essential step that can’t be skipped:

Understanding your current and future care needs.

Whether you’re a senior planning ahead or an adult child supporting a parent, knowing what kind of support is needed is critical to choosing the right living environment.

What Are Activities of Daily Living (ADLs) and IADLs?

Activities of Daily Living (ADLs) and Instrumental Activities of Daily Living (IADLs) are the everyday tasks that help us live independently. They’re also key indicators of a person’s functional status and long-term care needs.

ADL Examples (Personal Care):

Bathing
Dressing
Eating
Grooming
Toileting
Transferring (e.g., from bed to chair)
Walking
Oral hygiene
Climbing stairs

IADL Examples (Daily Life Management):

Cooking
Shopping
Running errands
Cleaning the house
Laundry
Driving or using transportation
Using the telephone
Paying bills
Medication reminders
Caring for pets

While IADLs often become challenging first, ADLs typically require hands-on help. Recognizing this progression is essential for planning care that evolves with your needs.

Long-Term Care: A Broader Definition

When people hear “long-term care,” they often think only of help with bathing or dressing. But it’s much broader than that.

Long-term care includes:

Assistance with ADLs and IADLs
Skilled nursing care
Physical therapy
Medication management
Other clinical services provided by licensed professionals

These services can be delivered at home, in a senior living community, or in a continuing care retirement community (CCRC)—depending on the level of support required.

Why Care Needs Should Guide Housing Choices:

At Forevermore Homes, we believe that housing decisions should always reflect care needs—not just square footage or location. As Seniors Real Estate Specialists® (SRES®) and Certified Aging in Place Specialists (CAPS), we help families evaluate whether a home can support evolving care needs—or if a move to a more supportive environment is the better path.

Whether you’re considering aging in place, downsizing, or exploring assisted living, understanding care needs is the foundation for making informed, compassionate choices.

Coming Up Next: Planning for the Cost of Care

In our next post, we’ll explore the financial side of care planning. From in-home care costs to senior living community fees, we’ll help you understand what to expect—and how to prepare.

Want the Full Guide Now?

Click here to get your complimentary copy now.

We’re the Forevermore Homes Team of Coldwell Banker, and we’re passionate about helping seniors and their families make confident, informed decisions about housing and care. Whether you’re modifying your home, downsizing, or exploring senior living options, we’re here to guide you every step of the way.

Seniors in Transition/ Aging in Place • July 29, 2025

Post 5 of the Series – Navigating the Next Chapter: A Guide to Senior Housing Transitions Copy

by Kathleen Moniello

Modify or Move™? Your Options for Aging in Place

In our previous post, we explored the six key features that make a home safe and supportive for aging in place. But what if your current home doesn’t check all the boxes?

That’s where the big decision comes in:
Should you modify your current home—or is it time to move?

Three Paths Forward

At Forevermore Homes, we’ve guided many seniors and their families through this very decision. As Seniors Real Estate Specialists® (SRES®) and Certified Aging in Place Specialists (CAPS), we help you weigh your options with clarity and confidence.

If your current home no longer meets your needs, here are the three main paths to consider:

🛠️ 1. Stay and Modify Your Current Home

This option allows you to remain in a familiar environment while making home modifications that improve safety and accessibility—like installing grab bars, widening doorways, or creating a main-floor bedroom and bathroom.

🏡 2. Move to a More Suitable Home

Sometimes, a different home—such as a single-level condo, smaller house, or age-in-place-ready property—can better support your lifestyle. This option may still require some modifications, but the foundation is often more adaptable.

🏘️ 3. Relocate to a Senior Living Community

For those seeking built-in support, social opportunities, and access to healthcare, a move to a senior living community, assisted living, or a continuing care retirement community (CCRC) may be the best fit.

There’s No One-Size-Fits-All Answer

The right path depends on your unique situation—including your health needs, financial resources, personal goals, and desire for independence and connection.

That’s why we created the Modify or Move™ framework—to help you evaluate your options thoughtfully and proactively, before a crisis forces a rushed decision.

Coming Up Next: Understanding Care Needs

In our next post, we’ll explore how your current and future care needs play a critical role in housing decisions. From Activities of Daily Living (ADLs) to long-term care planning, understanding your care requirements is key to choosing the right living arrangement.

Want the Full Guide Now?

Click here to get your complimentary copy now.

About Forevermore Homes

Seniors in Transition/ Aging in Place • July 10, 2025

Post 4 of the Series – Navigating the Next Chapter: A Guide to Senior Housing Transitions

by Kathleen Moniello

In our last post, we explored the top obstacles that can make aging in place difficult—like home safety risks, difficulty with daily tasks, and social isolation. These challenges often raise a critical question for older adults and their families:

Can my current home support the life I want to live as I age?

Whether you’re considering staying in your current home, downsizing to a more manageable space, or moving to a senior living community, it’s important to understand what makes a home truly supportive for aging in place.

What Makes a Home Age-Friendly?

At Forevermore Homes, we specialize in helping seniors and their families make informed housing decisions. As Seniors Real Estate Specialists® (SRES®) and Certified Aging in Place Specialists (CAPS), we’ve seen firsthand how the right home features can dramatically improve safety, independence, and quality of life.

Here are six essential features to look for in a home that supports aging in place:

✅ 1. One-Level Living

A single-story layout eliminates the need to navigate stairs, reducing fall risk and making daily movement easier—especially for those using mobility aids like walkers or wheelchairs.

✅ 2. Low-Threshold, Covered Entry

A minimal step at the entrance shortens the ramp needed for accessibility, while a covered entry protects from rain, snow, and ice—making entry safer and more comfortable.

✅ 3. Wide Doorways

Doorways that are at least 32 inches wide allow for safe, easy passage with wheelchairs, rollators, or walkers—ensuring mobility isn’t restricted by narrow spaces.

✅ 4. Accessible Bathroom

Features like grab bars, roll-in showers, non-slip flooring, and comfort-height toilets help prevent falls and support independence with personal care.

✅ 5. Space for a Caregiver

A flexible room—such as a guest bedroom or den—can accommodate a caregiver if needed, offering support without sacrificing privacy or comfort.

✅ 6. Engaged Location

Living near friends, services, and community activities helps prevent isolation and supports a connected, fulfilling lifestyle. Proximity to healthcare, grocery stores, and transportation is also key.

Looking Ahead: Modify or Move™?

Now that you know what to look for in an age-friendly home, the next big question is:
Should I modify my current home—or is it time to move?

In our next post, we’ll introduce our Modify or Move™ framework to help you evaluate your options. We’ll walk you through the pros and cons of each path so you can make a decision that supports your safety, independence, and long-term goals.

Want the Full Guide Now?

About Forevermore Homes

We’re the Forevermore Homes Team of Coldwell Banker, and we’re passionate about helping seniors and their families make confident, informed decisions about housing and care. Whether you’re exploring aging in place, downsizing, or considering a continuing care retirement community (CCRC), we’re here to guide you every step of the way.