BoomerTime with Nancy Cogar

Order the BoomerTime™ Blueprint on Amazon: ⁠⁠https://a.co/d/02BngMwr⁠⁠For help, visit https://www.NancyCogar.comLooking for a community of caregivers and families in need of planning support? Join my FREE Skool here: ⁠https://www.skool.com/the-evergreen-pathway⁠Listen to BoomerTime with Nancy Cogar on YouTube: ⁠https://www.youtube.com/@NancyACogarListen to BoomerTime with Nancy Cogar on Spotify: ⁠https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS⁠Listen to BoomerTime with Nancy Cogar on Apple Podcasts: ⁠https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845⁠Listen to BoomerTime with Nancy Cogar on iHeartRadio: ⁠https://www.iheart.com/podcast/269-boomer-time-with-nancy-cog-272050488/⁠Follow on Instagram: ⁠https://www.instagram.com/nancy.cogar⁠Disclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Order the BoomerTime™ Blueprint on Amazon: ⁠⁠https://a.co/d/02BngMwr⁠⁠Episode Show Notes + Free Downloadable Resource: https://nancycogar.com/are-you-leaving-behind-a-legacy/For help, visit https://www.NancyCogar.comLooking for a community of caregivers and families in need of planning support? Join my FREE Skool here: ⁠https://www.skool.com/the-evergreen-pathway⁠Listen to BoomerTime with Nancy Cogar on YouTube: ⁠https://www.youtube.com/@NancyACogarListen to BoomerTime with Nancy Cogar on Spotify: ⁠https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS⁠Listen to BoomerTime with Nancy Cogar on Apple Podcasts: ⁠https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845⁠Listen to BoomerTime with Nancy Cogar on iHeartRadio: ⁠https://www.iheart.com/podcast/269-boomer-time-with-nancy-cog-272050488/⁠Follow on Instagram: ⁠https://www.instagram.com/nancy.cogar⁠Disclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Order the BoomerTime™ Blueprint on Amazon: ⁠https://a.co/d/02BngMwr⁠Episode Show Notes + Free Downloadable Resource: https://nancycogar.com/planning-for-love-pre-nups-post-nups-explained/For help, visit https://www.NancyCogar.com Looking for a community of caregivers and families in need of planning support? Join my FREE Skool here: https://www.skool.com/the-evergreen-pathwayListen to BoomerTime with Nancy Cogar on YouTube: https://www.youtube.com/@NancyACogarListen to BoomerTime with Nancy Cogar on Spotify: https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoSListen to BoomerTime with Nancy Cogar on Apple Podcasts: https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845Listen to BoomerTime with Nancy Cogar on iHeartRadio: https://www.iheart.com/podcast/269-boomer-time-with-nancy-cog-272050488/Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Episode Show Notes + FREE Downloadable Resource: https://nancycogar.com/divorce-and-your-assets-with-david-smith/In this episode, I sit down with David Smith, Certified Divorce Financial Analyst®, who shares important post-divorce resources that everyone over 65 needs to know. David also includes a helpful downloadable resource (available below) to guide you through the process.

Episode Show Notes and FREE 5-Minute Control Plan Resource: https://nancycogar.com/what-keeps-aging-adults-awake-at-night/🔑 For help, visit https://www.NancyCogar.com📚 Looking for a community of caregivers and families in need of planning support? Join my FREE Skool here: https://www.skool.com/the-evergreen-pathway🎙Listen to BoomerTime with Nancy Cogar on YouTube: https://www.youtube.com/@NancyACogar🎙Listen to BoomerTime with Nancy Cogar on Spotify: https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS🎙Listen to BoomerTime with Nancy Cogar on Apple Podcasts: https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845🎙Listen to BoomerTime with Nancy Cogar on iHeartRadio: https://www.iheart.com/podcast/269-boomer-time-with-nancy-cog-272050488/✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Nancy Cogar chats with Brooke Steele and Will Brewer with Martin Boyd Christian Home to talk about an upcoming planning event happening in Chattanooga, and also some signs families should look for to know if assisted living is around the corner.EVENT: Planning Ahead with ConfidenceMarch 24, 2026, 6 p.m.-7:30 p.m.Martin Boyd Christian Home6845 Standifer Gap Rd, Chattanooga, TN, United States, Tennessee 37421This free session will cover topics such as wills, powers of attorney, and other key legal considerations as you prepare to make the move to assisted living. Whether you are planning ahead or facing immediate decisions, this event will provide practical guidance and peace of mind.Hors d'oeuvres & refreshments will be served.Register for the upcoming event in Chattanooga here: bit.ly/mbevent26Connect with Martin Boyd Christian HomeFounded in 1984 in the heart of East Brainerd, Martin Boyd Christian Home Assisted Living and Memory Care began with just nine residents and a deep commitment to care with kindness. Today, Martin Boyd is a thriving non-profit senior living community serving more than 85 residents with dedicated licensed clinical professionals across three levels of service: assisted living, advanced assisted living, and Alzheimer’s memory care.With thoughtfully designed one-level living, three delicious meals served daily, medication management, engaging life enrichment programs, and personalized assistance with activities of daily living, Martin Boyd provides more than care — we provide peace of mind for families to know that their loved one is in great hands.Website: www.martinboydhome.comPhone: (423) 892-1020Facebook: https://www.facebook.com/profile.php?id=100054516907906====Nancy A. Cogar, Esq., has a Tennessee-based practice in estate planning, elder law, long-term care planning & advocacy for older adults. As a partner with Samples, Jennings, Clem & Fields, PLLC, she is committed to comprehensive, competent & compassionate advocacy for seniors, caregivers and families navigating aging and the incoming Silver Tsunami.🔑 For help, visit NancyCogar.com📚 Join my FREE Skool Community here: https://www.skool.com/the-evergreen-pathway🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube✨Follow on Instagram @nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Show Notes for This Episode of BoomerTime with Nancy Cogar: https://nancycogar.com/a-look-ahead-in-estate-planning/Nancy A. Cogar, Esq., has a Tennessee-based practice in estate planning, elder law, long-term care planning & advocacy for older adults. As a partner with Samples, Jennings, Clem & Fields, PLLC, she is committed to comprehensive, competent & compassionate advocacy for seniors, caregivers and families navigating aging and the incoming Silver Tsunami.📚 Join my FREE Estate Planning Support Group on Skool: https://www.skool.com/the-evergreen-pathway📃 Download FREE Helpful Documents at NancyCogar.com/Resources🔑 For Estate Planning Help, visit NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube✨Follow on Instagram @nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Show Notes and Free Download: https://nancycogar.com/tax-trapped-are-taxes-draining-your-estate/In Episode 99 of BoomerTime with Nancy Cogar, I walk through 10 real-world tax traps, how they happen, and how planning prevents them. PLUS, download a FREE resource - The Tax Trap Checklist.Nancy A. Cogar, Esq., has a Tennessee-based practice in estate planning, elder law, long-term care planning & advocacy for older adults. As a partner with Samples, Jennings, Clem & Fields, PLLC, she is committed to comprehensive, competent & compassionate advocacy for seniors, caregivers and families navigating aging and the incoming Silver Tsunami.🔑 For help, visit NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube✨Follow on Instagram @nancy.cogar

Click here for a Free Downloadable ResourceIn this episode, I continue my deep dive on Artificial Intelligence and how that impacts your assets and your estate. In my previous episode, I talked about looking after your online account inventory and provided a free resource to help you do just that.Today, AI is embedded in our society. But have you considered what that means when it comes to gaining access to your most important accounts? We have long looked to having a human touch to ensure safety and security of our materials. Now it's all automated, and for some, that causes issues and much frustration. This episode of BoomerTime takes a look at those concerns. My hope is that this will point you and your family towards helpful resources and wiser decisions as to whether AI should be integrated into your everyday life. 🔑 For help, visit https://www.NancyCogar.com📚 Looking for an Estate Planning Community? Join my Skool here: 🎙Listen to BoomerTime with Nancy Cogar on YouTube: https://www.youtube.com/@NancyACogar🎙Listen to Boomer Time with Nancy Cogar on Spotify: https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS🎙Listen to BoomerTime with Nancy Cogar on Apple Podcasts: https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845🎙Listen to BoomerTime with Nancy Cogar on iHeartRadio: https://www.iheart.com/podcast/269-boomer-time-with-nancy-cog-272050488/✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Episode Show Notes & Free Downloadable Resource: https://nancycogar.com/who-has-your-online-access-when-you-die/============================Nancy A. Cogar, Esq., has a Tennessee-based practice in estate planning, elder law, long-term care planning & advocacy for older adults. As a partner with Samples, Jennings, Clem & Fields, PLLC, she is committed to comprehensive, competent & compassionate advocacy for seniors, caregivers and families navigating aging and the incoming Silver Tsunami.🔑 For estate planning help, visit NancyCogar.com✨ Join my community for Caregivers and Family Members on Skool: https://www.skool.com/the-evergreen-path🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts, iHeartRadio and YouTubeDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

In this episode of BoomerTime with Nancy Cogar, I share a 10-Point Checklist of Laws and Rules That Can Prevent Someone From Inheriting an Estate—including statutory protections (like slayer statutes), lesser-known rules in specific jurisdictions, and some surprising applications. For each item, I explain what the law is, why it matters, and real-life implications or examples where available.Also, this is available as a downloadable resource that you can use in the event that you may need to disinherit someone (or are concerned about being disinherited).Download here: https://nancycogar.com/what-does-it-mean-to-be-disinherited/🔑 For help, visit https://www.NancyCogar.com🎙Listen to Boomer Time with Nancy Cogar on YouTube: https://www.youtube.com/@NancyACogar🎙Listen to Boomer Time with Nancy Cogar on Spotify: https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS🎙Listen to Boomer Time with Nancy Cogar on Apple Podcasts: https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845🎙Listen to Boomer Time with Nancy Cogar on iHeartRadio: https://www.iheart.com/podcast/269-boomer-time-with-nancy-cog-272050488/✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Happy New Year! Boy, I'm looking forward to what's to come in 2026, and I've resolved to offer you more resources to help you get your affairs in order. Hey, it's Season 3 of the BoomerTime podcast and in this episode, I'm offering some New Year’s–style estate planning resolutions designed for individuals who either have no estate plan or have not updated their plan in many years. About Nancy:Nancy A. Cogar, Esq., has a Tennessee-based practice in estate planning, elder law, long-term care planning & advocacy for older adults. As a partner with Samples, Jennings, Clem & Fields, PLLC, she is committed to comprehensive, competent & compassionate advocacy for seniors, caregivers and families navigating aging and the incoming Silver Tsunami.🔑 For help and resources, visit NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube✨Follow on Instagram @nancy.cogar

I've been thinking a lot lately about personal property. Not just the stuff that clutters our houses, but the potential wealth and legacy contained within our collections. For many of us, especially in the Baby Boomer generation, it’s time for a serious—and potentially fun—treasure hunt right in our own homes.We need to be more mindful of what we’ve collected—its value, how that value can support us in our later years, or how we can make it a more intentional part of our estate plan.In this episode, I have a fun look at a few items I brought out of my own house, plus a list of resources to help you start your own hunt.Episode Show Notes: https://nancycogar.com/estate-planning-for-business-owners/Nancy A. Cogar, Esq., has a Tennessee-based practice in estate planning, elder law, long-term care planning & advocacy for older adults. As a partner with Samples, Jennings, Clem & Fields, PLLC, she is committed to comprehensive, competent & compassionate advocacy for seniors, caregivers and families navigating aging and the incoming Silver Tsunami.🔑 For help, visit NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts, iHeartRadio and on YouTube✨Follow on Instagram @nancy.cogar

Business owners should absolutely prioritize estate planning. In this episode, I explain how a succession plan can help preserve your legacy.Episode Show Notes: https://nancycogar.com/estate-planning-for-business-owners/Nancy A. Cogar, Esq., has a Tennessee-based practice in estate planning, elder law, long-term care planning & advocacy for older adults. As a partner with Samples, Jennings, Clem & Fields, PLLC, she is committed to comprehensive, competent & compassionate advocacy for seniors, caregivers and families navigating aging and the incoming Silver Tsunami.🔑 For help, visit NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube✨Follow on Instagram @nancy.cogar

This episode is all about navigating senior living and quality of care, and I'm excited to have Kya Groves, owner of Front Porch Senior Advisors as our expert guest.Kya is a seasoned advocate and expert in the senior-care field with over two decades of hands-on experience—Including Director of Business Development for in-home care, senior living and dementia support.Kya assists seniors and their families navigate senior living, memory care and in-home care options. She also provides guidance and expertise for downsizing, resources, Veteran benefits, move management and resources.Nancy A. Cogar, Esq., has a Tennessee-based practice in estate planning, elder law, long-term care planning & advocacy for older adults. As a partner with Samples, Jennings, Clem & Fields, PLLC, she is committed to comprehensive, competent & compassionate advocacy for seniors, caregivers and families navigating aging and the incoming Silver Tsunami.🔑 For help, visit NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube📙 Hey! I'm also on Substack! Visit me at https://nancycogar.substack.com✨Follow on Instagram @nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Show notes for this episode: https://nancycogar.com/who-inherits-your-business/Nancy A. Cogar, Esq., has a Tennessee-based practice in estate planning, elder law, long-term care planning & advocacy for older adults. As a partner with Samples, Jennings, Clem & Fields, PLLC, she is committed to comprehensive, competent & compassionate advocacy for seniors, caregivers and families navigating aging and the incoming Silver Tsunami.🔑 For help, visit NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube📙 Hey! I'm also on Substack! Visit me at https://nancycogar.substack.com✨Follow on Instagram @nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

#soloagers #boomers #aging Show notes for this episode: https://nancycogar.com/solo-agers/Nancy A. Cogar, Esq., has a Tennessee-based practice in estate planning, elder law, long-term care planning & advocacy for older adults. As a partner with Samples, Jennings, Clem & Fields, PLLC, she is committed to comprehensive, competent & compassionate advocacy for seniors, caregivers and families navigating aging and the incoming Silver Tsunami.🔑 For help, visit NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube📙 Hey! I'm also on Substack! Visit me at https://nancycogar.substack.com✨Follow on Instagram @nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

#caregiver #family #holiday Show notes for this episode: https://nancycogar.com/caregiver-holiday-survival-guide-to-avoid-burnout/Nancy A. Cogar, Esq., has a Tennessee-based practice in estate planning, elder law, long-term care planning & advocacy for older adults. As a partner with Samples, Jennings, Clem & Fields, PLLC, she is committed to comprehensive, competent & compassionate advocacy for seniors, caregivers and families navigating aging and the incoming Silver Tsunami.🔑 For help, visit NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube📙 Hey! I'm also on Substack! Visit me at https://nancycogar.substack.com✨Follow on Instagram @nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Can ChatGPT write your will? I'll give you my answer in Episode 87 of Boomer Time with the following headlines that I think are important for you to know about:From Forbes.com: 4 Predictions For The Future Of AI In Estate Planninghttps://www.forbes.com/councils/forbesfinancecouncil/2025/02/19/4-predictions-for-the-future-of-ai-in-estate-planning/From People.com: Woman Conned Out of $15K After AI Cloned Her Daughter’s Voice in Terrifying Scam: 'I Broke Down'https://people.com/woman-conned-out-of-usd15k-after-ai-cloned-daughters-voice-terrifying-scam-11775622From Parents from Yahoo Life: Grandparents Are Falling for AI Misinformation—Here’s How To Help Them Spot the Fakeshttps://www.yahoo.com/lifestyle/articles/grandparents-falling-ai-misinformation-help-193625481.html🔑 For help, visit https://www.NancyCogar.com🎙Listen to Boomer Time with Nancy Cogar on Spotify: https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS🎙Listen to Boomer Time with Nancy Cogar on Apple Podcasts: https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845🎙Listen to Boomer Time with Nancy Cogar on iHeartRadio: https://www.iheart.com/podcast/269-boomer-time-with-nancy-cog-272050488/📙 I'm also on Substack! You can join my Substack community here: https://nancycogar.substack.com/✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Show notes for this episode: https://nancycogar.com/how-long-does-probate-take/Nancy A. Cogar, Esq., has a Tennessee-based practice in estate planning, elder law, long-term care planning & advocacy for older adults. As a partner with Samples, Jennings, Clem & Fields, PLLC, she is committed to comprehensive, competent & compassionate advocacy for seniors, caregivers and families navigating aging and the incoming Silver Tsunami.🔑 For help, visit NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube📙 Hey! I'm also on Substack! Visit me at https://nancycogar.substack.com✨Follow on Instagram @nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Show Notes for This Episode: https://nancycogar.com/1-in-5-boomers-victims-of-financial-fraud/So that you don’t miss this and future episodes, subscribe and follow the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and YouTube! Or you can always visit NancyCogar.com to hear the latest. Disclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.#Podcast #Aging #EstatePlanning #BoomerTime #NancyCogar #LegalPodcasts #AskAnAttorney #BabyBoomers #Scams #AI #Fraud #Boomers #Money #Finance

Show Notes for This Episode: https://nancycogar.com/boomer-scamsSo that you don’t miss this and future episodes, subscribe and follow the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and YouTube! Or you can always visit NancyCogar.com to hear the latest. Disclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.#Podcast #Aging #EstatePlanning #BoomerTime #NancyCogar #LegalPodcasts #AskAnAttorney #BabyBoomers #Scams #AI #Fraud #Boomers

In this episode, I'm discussing healthy aging strategies with Dr. Joseph Casciani, Ph.D, founder of the Living to 100 Club. We hope you'll enjoy this insightful conversation we delve into what it means to age well. Boomers are getting older every day and are quickly becoming the largest demographic in the United States. Dr. Joe and I talk about what this looks like if we plan or if we decide to do nothing to prepare. Plus, we discuss Dr. Joe's passion and outlook as he aims to turn aging on its head. You'll want to save and share this important episode of Boomer Time.Dr. Joseph Casciani, Ph.D, is the founder of the Living to 100 Club. With more than three decades of experience as a psychologist, his work has been dedicated to geriatric mental health and healthy aging strategies. For most of that time, he was deeply embedded in nursing home communities, providing support to older adults, their families, and professional caregivers.A significant shift occurred in 2019 when, after selling his company, he broadened his professional scope. The new focus extended beyond long-term care facilities to empower individuals living at home with the knowledge and strategies for successful aging. His work is guided by the conviction that resilience, the ability to adapt to life's setbacks, and the courage to overcome self-limiting beliefs are the true cornerstones of a better, more fulfilling life. o Living to 100 Club: https://livingto100.club (Blogs, Podcasts, Presentations)o Better, Longer & Happier: https://livingto100.solutions (Card Deck Series)o Living to 100 Community: https://livingto100.community (Open Forum)Social Media:o LinkedIn: https://www.linkedin.com/in/josephcasciani/o Facebook: https://www.facebook.com/Livingto100Club🔑 For help, visit https://www.NancyCogar.com🎙Listen to Boomer Time with Nancy Cogar on Spotify: https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS🎙Listen to Boomer Time with Nancy Cogar on Apple Podcasts: https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845🎙Listen to Boomer Time with Nancy Cogar on iHeartRadio: https://www.iheart.com/podcast/269-boomer-time-with-nancy-cog-272050488/✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Who is the caregiver, and why? More often than not, it's an unpaid role. What can we do to encourage more family members to participate in caregiving or at least support the sibling or family member in that role?Approximately 43.5 million caregivers have provided unpaid care to an adult or child in the last 12 months. [National Alliance for Caregiving and AARP. (2015). Caregiving in the U.S.] The majority of caregivers (82%) care for one adult, while 15% care for two adults, and 3% for three or more adults. [National Alliance for Caregiving and AARP. (2015). Caregiving in the U.S.] About 15.7 million adult family caregivers care for someone who has Alzheimer’s disease or other dementia. [Alzheimer’s Association. (2015). 2015 Alzheimer’s Disease Facts and Figures.] Those numbers are only expected to increase, as you’ve heard me discuss many times on the show.Let’s take a closer look at caregivers in this episode. Who is typically a caregiver of an older adult family member? Did you know it’s often unpaid? Why aren’t more people in families sharing this burden?I’m going to put some pressure on the men out there today and challenge you a bit. Are you ready?I’ve got a man in the hot seat today – he is willing to face some questions for the team. It's my husband, Gary. He is not a typical man because he is a caregiver and has been several times. He’s the perfect person to get a perspective from and maybe support me in issuing a challenge to more men. These services are not paid, but they are valuable.For help, visit https://www.NancyCogar.com🎙Listen to Boomer Time with Nancy Cogar on Spotify: https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS🎙Listen to Boomer Time with Nancy Cogar on Apple Podcasts: https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845🎙Listen to Boomer Time with Nancy Cogar on iHeartRadio: https://www.iheart.com/podcast/269-boomer-time-with-nancy-cog-272050488/✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

What questions do you have? I'd love to hear from you. If you like the podcast, share it with a friend, and follow us on Facebook and YouTube. If you need help with estate planning or administration, reach out for a strategy session. So that you don’t miss this and future episodes, subscribe and follow the podcast on Spotify, Apple Podcasts and YouTube! Or you can always visit NancyCogar.com to hear the latest. Disclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.#Podcast #Aging #EstatePlanning #BoomerTime #NancyCogar #LegalPodcasts #AskAnAttorney #Procrastination #Boomers #Caregiving #Family #Medical #Health

Seventy percent of folks have no estate planning in place—meaning no will, no trust, no powers of attorney, nothing appointing anyone they trust with the legal authority to act on their behalf if something were to happen. I don’t think it’s a lack of money; we spend lots of money on lots of things. Maybe it’s avoidance—somehow emotionally linking us to our final demise? It amounts to procrastination. We all do it from time to time.What about procrastination that is absolutely paralyzing? Have you experienced that? Where are you with that? Do you know someone who is a procrastinator, and you’ve tried everything you can think of to get them moving, but they’re still sitting there like a lump on a log?Procrastination is real—I see it all the time. Do nothing damaging.I was watching an old school be torn down, located down the street. A big tractor was tearing away at the building, leaving piles of rubble. I saw all kinds of people boo-hooing about the building—"so many memories," "how sad," blah, blah, blah.Do you know the reality is that building had sat crumbling and deteriorating for 20+ years, probably even longer? I know because I drive by it at least two times a day!Why didn’t anyone do anything to protect the building? To save it? Right? If they cared so much—You know what I think? They don’t care—didn’t care enough to do anything about it. Now, when they are seeing the result, it’s a hue and cry and "so sad." Reality is, it's too late to do anything.That’s the same thing I’m talking about here. Procrastination – you care but you don’t care enough to do something about it.I’ve spent two years of my own time, money, and effort on this podcast—trying to encourage you all to move forward with a plan for your estate planning and older years. Why? Because I do care—I’ve seen what happens when it's too late.But Nancy, what do you mean? What does any of this have to do with estate planning?You need to invest time in planning—the right documents, enforceable, and that work for you. Asset planning, long-term care planning, understanding eligibility requirements—all of that. Seventy percent of us have done nothing.Procrastination, just like the demolition of that school—except it's your life, your independence, your quality of life, your ability to make your own decisions. All that effort—comes crashing down on you—you lose your freedom of choice. All because you didn’t take action.So that you don’t miss this and future episodes, subscribe and follow the podcast on Spotify, Apple Podcasts and YouTube! Or you can always visit me at NancyCogar.com to hear the latest. Disclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

If you’re married – you took an oath “for better or worse in sickness and in health, until death do us part.” But what does that oath really look like? Many of my clients come face-to-face with that challenge later in life – more specifically when one spouse’s health declines to the point that they can no longer live at home…maybe the other spouse just doesn’t have the capacity or skills to continue to care for the other. Nursing home care is often part of that equation… even if its just one spouse. What do you do when one spouse may need nursing home care and the other spouse can still go on living at home?This is one of the biggest challenges that a married couple may face later in life – it’s happening more and more and there are a couple of reasons why.In Episode 79, we’re diving deep into a topic that touches so many families—it’s often an unknown until you come into a situation where you’re facing the challenge of paying for but often gets ignored until a crisis hits: long-term care, and what happens when one spouse enters a nursing home and the other remains at home. It’s my hope you will walk away from this episode with some good and reliable information, maybe it will inspire a few conversations as to options related to long term care and if you haven’t done it already – take some steps to put a plan in place for your sunset years. Trust me, you will be glad you did.PLUS, I've included a downloadable checklist as a companion to this podcast episode. Download the Medicaid & Marriage Checklist Here: https://nancycogar.com/episode-79-medicaid-marriage-and-the-nursing-home-what-you-need-to-know-before-its-too-late/🔑 For help, visit https://www.NancyCogar.com🎙Listen to Boomer Time with Nancy Cogar on Spotify, Apple Podcasts, iHeartRadio and YouTube✨ Follow me on Instagram @Nancy.Cogar#Podcast #Medicaid #Marriage #SpousalSupport #LongTermCare #Health #Aging #EstatePlanning #BoomerTime #NancyCogar #Tennessee #LegalPodcastsDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

In this episode, we’re addressing an often painful topic: toxic parents – difficult-to-deal-with parents.“Hey, wait a second Nancy – my Mom is a gem – everyone loves her; she volunteers at the church and reads to children after school. The homestead is a showcase at Christmastime.”Well, that’s great that you have such a wonderful mama – it is a genuine blessing, and I’m not going to take that away from you. Not everyone has such a circumstance – I’m not talking to you today.If you felt a tightness in your chest when you heard that phrase, you’re not alone. Many of my clients, even those in their 50s, 60s, and 70s, struggle with parents who continue to be everything from uncooperative to downright mean, manipulative, critical, accusatory, controlling, demanding until they get their way – downright challenging to be around. It doesn’t matter how old you are – these patterns can follow us throughout our lives.But here’s the good news: You have choices. You can reclaim your peace and autonomy while protecting yourself and your future. I hope by the end of today’s podcast, you will have a few nuggets of wisdom to pull from this episode that will help you do that.What questions do you have? I'd love to hear from you. If you like the podcast, share it with a friend, and follow us on Facebook and YouTube. If you need help with estate planning or administration, reach out for a strategy session. 🔑 For help, visit https://www.NancyCogar.com🎙Listen to Boomer Time with Nancy Cogar on Spotify: https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS🎙Listen to Boomer Time with Nancy Cogar on Apple Podcasts: https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845🎙Listen to Boomer Time with Nancy Cogar on iHeartRadio: https://www.iheart.com/podcast/269-boomer-time-with-nancy-cog-272050488/✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

In this episode, we tackle the most frequently asked questions older adults and their families have about long-term planning and estate planning. As a seasoned elder law and estate planning attorney, I share practical, approachable tips that can help you and your loved ones navigate these questions with confidence, protect your assets, and reduce family stress down the road.What will happen if I need long-term care, and how will I pay for it?Look into long-term care insurance while you are still insurable.Understand Medicaid eligibility and the five-year lookback period.Consider setting up an irrevocable trust to protect assets in advance.How can I make sure I don’t lose my house if I need nursing home care?Explore Medicaid Asset Protection Trust options while retaining your right to live in the home.Learn about homestead exemptions and Medicaid primary residence rules.Consider selling, downsizing, or using a life estate deed if appropriate.How can I ensure someone I trust can make decisions if I become incapacitated?Execute a durable power of attorney for financial/legal matters.Set up a health care proxy or advance directive for health decisions.Discuss your wishes with your agents to prepare them for emergencies.What is the best way to avoid probate for my family?Review and update all beneficiary designations.Consider using a revocable living trust for easier asset transfer.Use transfer-on-death deeds or payable-on-death accounts where possible.How can I minimize taxes for my heirs?Use annual gifting strategies within IRS gift tax exclusions.Consider Roth IRA conversions to reduce taxable income to heirs.Explore trust planning for larger estates and state-specific tax strategies.How can I protect a child or grandchild with a disability or special needs?Establish a third-party supplemental needs trust.Avoid direct gifts or inheritances that could affect benefits.Coordinate with other family members to align planning strategies.What will happen to my pets if I become unable to care for them or after I pass away?Appoint a trusted person for temporary or permanent pet care.Include pet care instructions and funding in your documents.Set up a pet trust if you wish to ensure structured, funded care.How do I choose the right person to act as my power of attorney or executor?Choose a trustworthy, organized individual who respects your wishes.Consider appointing a professional or co-agents for family conflict situations.Always name backups in case your first choice is unable to serve.How can I prevent family conflict after I’m gone?Clearly communicate your wishes in writing (and in conversations).Use a neutral third-party executor or trustee if needed.Hold a family meeting while you are well to discuss intentions and heirlooms.How often should I review and update my estate plan?After major life changes (marriage, divorce, births, deaths, moving).Every 3-5 years to ensure laws and wishes align.Keep a current checklist of assets to update beneficiaries regularly. Takeaway Action:Pick two questions from today’s episode that resonate most with your situation.Schedule a time to discuss them with your spouse, family, or your planning attorney this month.Remember, planning ahead is an act of love.⁠Download my Practical Estate Planning Checklist⁠🔑 For help, visit https://www.NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts, iHeartRadio and on YouTube✨Follow on Instagram: ⁠https://www.instagram.com/nancy.cogar⁠Disclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

There have been some big changes recently out of Washington – especially when it relates to Medicare and Medicaid.   They may sound similar and actually they are often used interchangeably – but they are very different – different purposes and it’s important for both seniors and their caregivers to know the difference.  That’s what we’re focused on today – Medicare v Medicaid and untangling the confusion BEFORE you may need one or the other. Have you ever heard someone say, “Oh, Medicare will take care of that,” or, “Don’t worry, Medicaid will pay for Mom’s care”? Let me tell you a quick story:A client, came to see me last year, so relieved she and her husband had Medicare as they turned 65. But when her husband developed dementia and needed long-term care, she was shocked to learn Medicare doesn’t cover the care associated with the illness. Related to that – there is NO financial assistance with it comes to assisted living, or senior independent living.  It’s a common misunderstanding that can lead to financial stress if you don’t plan ahead.Today, we’re untangling the confusion between Medicare and Medicaid so you understand:What each coversHow they differHow they work togetherHow to prepare, whether you’re turning 65 or you’re a caregiver helping aging parents.So grab your coffee, and let’s dive in🔑 For help, visit https://www.NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts, iHeartRadio and on YouTube✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Download my FREE Pet Planning ChecklistWe love our pets. They’re family. They’re there when we come home, they comfort us, they make us laugh, and they fill our hearts with companionship.But here’s the truth: many people don’t plan for what happens to their pets if they can no longer care for them. I have seen it too many times in my practice.When people don’t plan:Pets may end up in shelters, often elderly and unadoptable.Family members may fight or resent having to take in a pet.Pets may be rehomed to someone who doesn’t know your pet’s medical or emotional needs.You lose control over your pet’s future.A Pet Trust is the best way to ensure your pet’s long-term care:You designate a caregiver for your pet.You allocate funds specifically for your pet’s care.You appoint a trustee to manage and distribute the funds, ensuring the caregiver uses them appropriately.You outline care instructions, including dietary preferences, medical needs, or even daily routines your pet enjoys.Pet Trusts are legally enforceable and continue for the life of your pet.Planning isn’t just about “big assets.” It’s about the loved ones who depend on you—including your pets.So, follow along with me on Episode 75 of Boomer Time. I promise you’ll leave with some important takeaways as you plan for the future with Fluffy and Fido in mind. They deserve that. I know I’ll have a plan for my furry, four-legged friends, too.Nancy A. Cogar, Esq., has a Tennessee-based practice in estate planning, elder law, long-term care planning & advocacy for older adults. As a partner with Samples, Jennings, Clem & Fields, PLLC, she is committed to comprehensive, competent & compassionate advocacy for seniors, caregivers and families navigating aging and the incoming Silver Tsunami.🔑 For help, visit NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube✨Follow on Instagram @nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Every day, more of us Baby Boomers are hitting 65 and beyond. If you haven’t started planning for your senior years yet, it’s time. I know it can feel overwhelming but remember this: failing to plan is planning to fail. My goal is to help you avoid that. I also want you to avoid some of the biggest estate planning boo-boos which come from taking short cuts – short cuts that backfire on you, your family and your estate – absolutely not what you intend.And if you’re the adult child of a Boomer who’s stepped into the caregiver role — this space is for you, too. As an estate planning and elder law attorney here in Tennessee, I see far too many families unprepared for the legal and financial twists that come with aging. That’s why I created this show: to give you a head start and a little peace of mind.Today, we’re going to talk about some common shortcuts people take when they think they’re planning wisely, saving steps, time and money — but in the long run these shortcuts often backfire in big, painful ways. I see them all the time, and I want you to avoid them. I also want you to avoid some of the biggest estate planning boo-boos which come from taking short cuts – short cuts that backfire on you, your family and your estate – absolutely not what you intend.So, follow along with me on Episode 74 of Boomer Time. I promise you’ll leave with some important takeaways — and maybe a few “aha” moments about choices you or a loved one may have made.🔑 For help, visit https://www.NancyCogar.com🎙Listen to Boomer Time with Nancy Cogar on Spotify: https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS🎙Listen to Boomer Time with Nancy Cogar on Apple Podcasts: https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845🎙Listen to Boomer Time with Nancy Cogar on iHeartRadio: https://www.iheart.com/podcast/269-boomer-time-with-nancy-cog-272050488/✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

If your family is impacted by a dementia diagnosis you are not alone. Dementia is the designated term for a variety of cognitive disorders which can range from Alzheimer's, to sundowners, to Parkinson's and Lewy Body Syndrome. The disease affects millions of Americans and is projected to significantly increase in the coming decades. Currently 7 million Americans living with dementia. That is one in ten people age 65 over and its expected to grow to 13 million in the next 25 years. Best to be aware and prepared.Let’s start with what I always tell families first: when it comes to dementia, timing is everything. Dementia gradually robs a person of their mental capacity — their ability to understand decisions and consequences. Once capacity is lost, your options shrink dramatically. That’s why early planning is essential.Here are the top legal protections you should put in place as soon as possible:First, a Durable Power of Attorney. This document lets your loved one appoint someone they trust to handle finances — paying bills, managing bank accounts, even selling a home if needed. Without it, you might find yourself stuck in court seeking guardianship just to do simple tasks.Second, a Health Care Power of Attorney or Medical Proxy. This gives someone authority to make medical decisions when your loved one can’t. It’s different from a financial power of attorney — you really need both.Third, a Living Will. This lets your loved one state their wishes for end-of-life care, like whether they want life support or feeding tubes. It can spare families so much heartache and conflict.Fourth, a HIPAA Release. This is simple but crucial: it allows doctors to share medical information with you. Without it, privacy laws can block you from getting updates.And if you’re listening right now and thinking, “Oh no, we didn’t get these done…” — please don’t wait. Talk to your loved one now while they can still sign documents and understand what they’re signing.If capacity is already gone, you may have to petition the court for guardianship or conservatorship. This is much more time-consuming, expensive, and public than having power of attorney done ahead of time — but sometimes it’s the only option left. I have more resources for you and your family as you navigate a dementia diagnosis and estate planning in Episode 73 of Boomer Time. What do you think? What other questions do you have? I'd love to hear from you. If you like the podcast, share it with a friend, and follow us on Facebook and YouTube. If you need help with estate planning or administration, reach out for a strategy session. 🔑 For help, visit https://www.NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts, iHeartRadio and on YouTube🎙Listen to Boomer Time with Nancy Cogar on Spotify: https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS🎙Listen to Boomer Time with Nancy Cogar on Apple Podcasts: https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845🎙Listen to Boomer Time with Nancy Cogar on iHeartRadio: https://www.iheart.com/podcast/269-boomer-time-with-nancy-cog-272050488/✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

We've often discussed typical estate planning, but what happens when an estate is more substantial? These are known as high-net-worth estates. In this episode, we'll delve into what constitutes such an estate, what they might entail, the inherent risks without proper planning, and real-life examples to illustrate these points.Let's begin with a clear definition. A "high-net-worth estate" isn't just about lavish lifestyles; it's about the total value of your assets. If your combined real estate, investments, retirement accounts, and other holdings exceed $1 million, you likely fall into the high-net-worth category and should pay particular attention to tax implications and exemptions.It's crucial to be aware of the federal estate tax exemption. In 2025, this stands at $13.99 million per individual or $27.98 million for married couples. However, these figures are slated to "sunset" or expire at the end of the year, potentially reverting to 2018 levels around $6 million. This change could impact a wider range of estates. If your estate's total value surpasses this exemption, the amount above the threshold could be subject to a federal estate tax of up to 40%.State-level regulations are also significant. Here in Tennessee, we currently don't have an inheritance tax, making it an attractive location for retirement. Previously, Tennessee had a $1 million threshold for state estate tax.Important Note on Income Tax: Any income generated by the estate during its administration is subject to income tax.Now that we've defined high-net-worth estates, let's explore common pitfalls when these estates are not properly planned, and how to prevent them in Episode 72 of Boomer Time.🔑 For help, visit https://www.NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts, iHeartRadio and on YouTube🎙Listen to Boomer Time with Nancy Cogar on Spotify: ⁠https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS⁠🎙Listen to Boomer Time with Nancy Cogar on Apple Podcasts: ⁠https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845⁠🎙Listen to Boomer Time with Nancy Cogar on iHeartRadio: ⁠https://www.iheart.com/podcast/269-boomer-time-with-nancy-cog-272050488/⁠✨Follow on Instagram: ⁠https://www.instagram.com/nancy.cogar⁠Disclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Dealing with the loss of a loved one is never easy. It's a time filled with grief, a whirlwind of emotions, and a lot of uncertainty. On my podcast, Boomer Time, I often get asked, "What do I do next?" when someone loses a loved one. It's a 911 call for help, and honestly, it's a question that needs a thoughtful answer.First and foremost, let's acknowledge the pain. Grief is essential. Allow yourself to feel it. Many times, a loss follows a long illness or a challenging period of caregiving. Recognize that loss, and let yourself grieve before anything else. The practical matters can wait, trust me. As a person of faith, I believe my loved ones are in a better place, but that doesn't diminish the pain of loss. Grief has its own timetable, and suppressing it will only make it resurface later. Lean on your support system. You're not meant to navigate this alone. I understand that some of you may be experiencing raw and even angry feelings. That's okay. It's all part of the process. Pray, if that's your way of coping.Now, let's talk about some practical steps. If you're the executor, personal representative, or trustee, understand that you're stepping into a leadership role. Your family will look to you for guidance. Set a tone of communication and transparency. Answer their questions, and share relevant documents when possible. Nothing creates more disputes than a perceived lack of information. Take this role seriously. You're there to lead and reassure your family through a tough time. Remember, they are grieving too, and they may be unsure about what's coming next. Estate administration takes time. Getting into court for probate, if necessary, can take weeks. Share this information. The unknown only adds to the grief.So, what are the first steps? Allow for grief and honor the lost relationship. Then, communicate with your family. Your loved one chose you for this role for a reason. Be the leader they expected you to be. Guide your family without creating disputes. Setting expectations from the beginning is key. Episode 71 of Boomer Time offers additional guidance. If you find yourself in this space, I invite you to listen. I’m also here in the event that you need more personalized assistance. 🔑 For help, visit https://www.NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts, iHeartRadio and on YouTube🎙Listen to Boomer Time with Nancy Cogar on Spotify: https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS🎙Listen to Boomer Time with Nancy Cogar on Apple Podcasts: https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845🎙Listen to Boomer Time with Nancy Cogar on iHeartRadio: https://www.iheart.com/podcast/269-boomer-time-with-nancy-cog-272050488/✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

My latest episode will focus on a “sensitive topic” and this may be one of the toughest to talk about. Death. What do you want done with your body when you’re gone. It’s not as simple as you might think and if you don’t plan you may be leaving a significant financial burden for your loved ones. There are lots of options – more than you may realize. How do you want to go out? I’ve got folks don’t want a funeral or want a big party, or nothing at all, and some are donating their entire body to science, others opt for the traditional burial or cremation. It's an important topic – and there is really no escaping it, right? Unless we have some divine intervention. Even God tells us to be prepared – that’s what we are going to try to do to be better prepared about the options available for the “final disposition of your body” and why you should plan for this. But also I’ll discuss what can happen if you don’t. I’ll even cover some of the more bizarre options people have prepared for their final farewell.So... how do you want to go? Do you want to become cremated? Do you want to be composted? Do you want to be shot into space or the sea? Do you want a Viking burial on an open pyre? Well if you do, its going to require some planning and a financial investment. Before we get into the options. I thought it might be interesting to take a look at a couple of send-offs that some other folks have opted for. They really range from the basic to the ultra extreme and they are all true in Episode 70 of Boomer Time.🔑 For help, visit https://www.NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts, iHeartRadio and on YouTube🎙Listen to Boomer Time with Nancy Cogar on Spotify: https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS🎙Listen to Boomer Time with Nancy Cogar on Apple Podcasts: https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845🎙Listen to Boomer Time with Nancy Cogar on iHeartRadio: https://www.iheart.com/podcast/269-boomer-time-with-nancy-cog-272050488/✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

This week, we’re talking about funeral home drama. You don’t want it – you may worry about that one loose cannon that may show up a the funeral, right.  I’ve got a few of those in my own family so I know you’re pain.  When family feuds, old grudges, and poor planning collide at one of the most emotional times in life. I’ve seen stories of it all — the brawls, the breakdowns, and yes, even a fistfight next to the casket. So, grab your coffee, settle in, and let’s talk about how you can spare your loved ones a soap opera when the time comes.In Episode 69, I share some real life stories. Of course, names have been changed to protect the guilty — and the innocent!! Right?  Some of these scenarios may sound familiar. Let me know if you’ve experienced any funeral home drama that you hear in this latest episode of Boomer Time.🔑 For help, visit https://www.NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts, iHeartRadio and on YouTube🎙Listen to Boomer Time with Nancy Cogar on Spotify: https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS🎙Listen to Boomer Time with Nancy Cogar on Apple Podcasts: https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845🎙Listen to Boomer Time with Nancy Cogar on iHeartRadio: https://www.iheart.com/podcast/269-boomer-time-with-nancy-cog-272050488/✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Welcome back to Boomer Time! It's your host, Nancy Cogar, here today to talk about something that can feel a little intimidating: estate planning. And you know what? I hear from so many of you who feel like your questions might be "dumb." Let me tell you something right off the bat – when it comes to protecting your future and the people you love, there's absolutely no such thing as a "dumb" question.In this episode, I want to create a really comfortable space for us to explore some of those questions that might feel a little awkward or even obvious to ask. We'll gently unpack things like the difference between a will and a trust – in plain English, of course. We'll also touch on how to even begin these important conversations. Trust me, I've seen it all, and I understand that this process can feel overwhelming.My goal today is to demystify estate planning for you. It's perfectly okay if you're not sure where to start or if you're worried about asking the "wrong" questions. In fact, seeking clarity is the most intelligent thing you can do. Remember, everyone's situation is unique. What might seem like a simple question to one person could be the key to unlocking a crucial piece of your own estate plan.So, if you've been putting off thinking about wills, trusts, or what will happen to your precious belongings because you're unsure of where to begin or afraid to ask what you think might be a silly question, please listen in. My hope is that by the end of our time together, you'll feel more empowered, better informed, and ready to take those important first steps with real confidence. Let's dive in and discover that the only "dumb" question is the one you keep to yourself.🔑 For help, visit https://www.NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts, iHeartRadio and on YouTube🎙Listen to Boomer Time with Nancy Cogar on Spotify: https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS🎙Listen to Boomer Time with Nancy Cogar on Apple Podcasts: https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845🎙Listen to Boomer Time with Nancy Cogar on iHeartRadio: https://www.iheart.com/podcast/269-boomer-time-with-nancy-cog-272050488/✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Older adults are the main target and the victims with the biggest losses, according to newly released numbers from the Federal Trade Commission (FTC). And the losses are astronomical: a record $12.5 billion was reported stolen through scams and fraud last year, up 25 percent from $10 billion in 2023.The overall cost of these crimes continues to skyrocket: Just four years ago, in 2020, Americans lost far less, $3.5 billion, to fraud, including identity theft.The amount of money victims lose through fraud increases with age, partly because older people tend to have more to lose. Victims in their 60s claimed a jaw-dropping total of $1.18 billion stolen through fraud in 2024 alone. The FTC found that among the victims who included their ages in their complaints, adults in their 70s reported losing a median of $1,000, compared with a median of about $417 reported by those in their 20s. The median reported losses for all ages in 2024 was $497. These scams get my blood boiling and I have had a lot of folks lose money whether its romance scams, the 10-million-dollar Jamaican scam, or scammers pretending to be everything from a threatening government aging and your grandkids.  You may know someone whose been scammed.  Maybe it was you?  I’ve been a victim of identity theft.  This is something that impacts all of us.   Talking about fraud isn’t exactly fun. But staying informed? That’s empowering. And in 2025, being informed is more important than ever. Because of scams today? They aren’t just shady phone calls from someone claiming to be a prince. They’re smart. High-tech. And they’re after all of us.🔑 For help, visit https://www.NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube🎙Listen to Boomer Time with Nancy Cogar on Spotify: https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS🎙Listen to Boomer Time with Nancy Cogar on Apple Podcasts: https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

In Episode #66 of the Boomer Time Podcast, I sit down with Amy Clarke of Morning Pointe Senior Living to discuss the crucial needs of both seniors and their caregivers. She announces the upcoming annual Caregiver Cafe, a free community event sponsored by the Morning Pointe Foundation. This seminar series aims to educate and inform families facing difficult aging-related decisions. I am honored to be a panelist this year and look forward to connecting with attending families and caregivers.-------------------Nancy A. Cogar, Esq., has a Tennessee-based practice in estate planning, elder law, long-term care planning & advocacy for older adults. As a partner with Samples, Jennings, Clem & Fields, PLLC, she is committed to comprehensive, competent & compassionate advocacy for seniors, caregivers and families navigating aging and the incoming Silver Tsunami.🔑 For help, visit NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts, iHeartRadio and on YouTube✨Follow on Instagram @nancy.cogar#podcast #finance #money #elderlaw #estateplanning #aging #assets #news #lawyer #tennessee #boomertime #morningpointe #caregiving #caregivercafe #morningpointe #seniorliving

What if a loved one dies? What are you responsible for?When a loved one passes away, it's important to know which debts and bills you are not responsible for. Generally, you are not personally responsible for a deceased person's debts unless you were a co-signer, joint account holder, or otherwise legally obligated. Episode 65 provides a breakdown of what you could be liable for and more.----Nancy A. Cogar, Esq., has a Tennessee-based practice in estate planning, elder law, long-term care planning & advocacy for older adults. As a partner with Samples, Jennings, Clem & Fields, PLLC, she is committed to comprehensive, competent & compassionate advocacy for seniors, caregivers and families navigating aging and the incoming Silver Tsunami.🔑 For help, visit NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts, iHeartRadio and on YouTube✨Follow on Instagram @nancy.cogar

So, I wanted to start off today on a personal note, as I sometimes do, because as you know, I’m not just a lawyer; I’m also a caregiver. I want to share with you a deeply personal story about my own journey with my 83-year-old mother, who recently had a stroke and is transitioning from independent living to assisted living care.If you’re facing a similar situation or just trying to prepare for the future, this episode is for you. We’ll talk about the emotional toll, the legal issues that can arise, and the tools you should have in place long before a crisis happens. And yes, we’ll discuss how you can care for yourself as a caregiver because, as many of you know, caregiving is a journey that requires emotional, physical, and legal support.So, my husband and I have been caregivers for my mother for over ten years now. This went from moving her in with a friend in Florida early on to offer some additional support in their daily lives, to both of them moving in with us for several years. After my mother’s friend passed away, my mother moved to an apartment, which was isolating, and then on to independent living, where she has been for the last five years, until a recent stroke affected her right side and her ability to get up, walk, and move around. This included that hard discussion about where she should go next—straight to a nursing home and the challenge of paying for that—or if she was still a candidate for assisted living, where she could receive care but not feel as though she was an invalid. We had to find that emotional balance, followed by the practical side of necessary care and financial ability. After about six weeks in the hospital and then skilled nursing care, we made some decisions, along with the realization that she was not able to go back to her independent living arrangement. That meant a scary new, unknown frontier for her; loss of friends and familiarity; not to mention trying to pack up all her things and determining what can and should come to the new place versus what she no longer needs, or what we should do with most of the other things that she has accumulated. Not easy stuff.

In this episode of Boomer Time, we're shifting focus slightly. I want to discuss the recent news of Gene Hackman's death because it offers additional important lessons. These include everything from end-of-life care to necessary support, estate planning (which we've already touched on in several past episodes), and the potential for abuse and exploitation. We're discussing issues that arise in the sunset years and how to protect yourself if you want to remain at home or if you're caring for an older adult. Both are significant here, and we're examining the recent deaths of Gene Hackman, 95, and his wife, Betsy, 65.You might think something like this wouldn't happen, and while we don't yet know all the details, we did gain an important glimpse into their lifestyle in that New Mexico house. Although they had a handyman and some local contacts, they were mostly relying on each other and otherwise alone in that sprawling house.Reports indicate that Gene Hackman and his wife lived in relative solitude in their later years, raising the question: What happens when elderly individuals live alone, isolated from family and community? More importantly, what legal risks accompany that isolation?This is what I discuss in my latest episode: the isolation that can often result from the decision to remain at home in your later years. I'm not saying don't do that. I just want to offer suggestions for better support if you choose to "age in place," and advice on protecting yourself from potential problems.So, let's have a conversation about the challenges of living alone and the legal perspective on elder isolation. As an elder law attorney, I address these questions regularly. When an elderly person lives alone, especially in isolation, several significant legal issues can arise. These range from guardianship and financial management to potential elder abuse and estate disputes. Many of these issues relate to topics covered in prior episodes, which we will try to reference for you.🔑 For help, visit https://www.NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube🎙Listen to Boomer Time with Nancy Cogar on Spotify: https://open.spotify.com/show/0fxgUg1FwgfazDEDWnqnoS🎙Listen to Boomer Time with Nancy Cogar on Apple Podcasts: https://podcasts.apple.com/us/podcast/boomer-time-with-nancy-cogar/id1725555845✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.Photo Disclaimer: Images used with permission.

I want to talk about a crucial topic — Medicare, Medicaid, and how they fit into estate planning and important differences between the two.  It can be confusing, and they are both quite different. Whether you are navigating your own healthcare needs or helping a loved one, today’s episode is packed with important information that can make a real difference in managing long-term care and protecting assets.If you are an older adult concerned about protecting your assets or the adult child of an aging parent, understanding the Medicaid five-year look-back period is key to planning for the future. It comes up a lot when I am in strategy sessions.    In this episode, we will dive into this rule, share several examples, and give you recommendations on how to best prepare. We will also discuss some strategies that can help you avoid the consequences of the five-year look-back, including using Medicaid Asset Protection Trusts and Miller Trusts. Plus, we will talk about an alternative strategy for individuals who prefer to retain control over their assets: with a Revocable Living Trust. Let’s start by revisiting the basics of Medicaid. If your aging parent needs long-term care—like help with daily activities or a stay in a nursing home, Medicaid may be available to help with the costs of that care.  I emphasize maybe.  Because before they can qualify for Medicaid, they must meet certain eligibility requirements, which include having limited income and assets. It goes up a little bit every year – here we are into 2025. The current income limit here in Tennessee is just under $3,000.00 or $2,901.00.  Step one for qualifying for Medicaid is having monthly income lower than this amount. That’s not all…This is where the five-year look-back period comes in. Medicaid has a rule that says it will look at any asset transfers made in the last five years. What do I mean?  Well, the standard example is quitclaiming the family house away to your kids.  That is a big problem.    Let’s say your parents gave away any significant assets, sold property for less than its value, or transferred assets to someone else during that time, Medicaid can and often will penalize them for that transfer. The penalty usually means a delay in eligibility for Medicaid benefits.Let’s break this down with some real-world examples of what the five-year look-back period might look like in Episode 62 of Boomer Time.🔑 For help, visit https://www.NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.#Will #Trust #Probate #EstatePlanningAttorney #Lawyer #LegalAdvice #Inheritance #AssetProtection #FinancialPlanning #RetirementPlanning #Taxes #LegalTips #LivingTrust

For many Baby Boomers, the idea of needing assistance as we age can feel overwhelming, and the possibility of a conservatorship may seem like an inevitable reality. Last episode we talked about conservatorships tackling what they are, their purpose and some of the challenges they present AND how to avoid them. If you missed that episode I encourage you to go back and listen because there was a lot of good information in that episode. In this episode we are going to continue our discussion of conservatorships but talk about an issue that's not always in the forefront, and that is the issue when it comes to the rights and freedoms that can be taken away as part of a conservatorship.Now, you might be asking: What are the consequences of losing these rights? There are many, and they go beyond just the practical implications of not being able to manage one’s own life.First of all, this occurs because there has been a determination that the ward cannot make decisions and needs the protection of that court appointed person.  There are bound to be consequences whether the ward is truly disabled or not because a conservatorship deals with taking these rights away -  that might include the right to vote, the privilege of driving, the decision as to where you live and how you live, not to mention the right to manage your money or direct your care.  So what might be the consequences of a conservatorship?1. Emotional and Psychological ImpactLosing control over your own life can have a profound emotional impact. The loss of decision-making power can lead to feelings of helplessness, frustration, and depression. Many wards report feeling alienated or disconnected from their own lives. When you’ve spent years making your own decisions and suddenly have them taken away, it’s hard not to feel like you’ve lost a part of your identity.2. Social IsolationA conservatorship can also lead to social isolation. Since the conservator often has control over who the ward interacts with, relationships with friends and family members may become strained. If the conservator feels that certain relationships aren’t in the ward’s best interests, they may limit contact. This can cause significant emotional distress and loneliness for the ward, especially if they are unable to see the people they care about.3. Abuse of PowerWhile conservatorships are intended to protect individuals, they can also leave people vulnerable to abuse. Sadly, there have been instances where conservators exploit their position for personal gain, mismanage finances, or neglect the needs of the ward. This is why choosing a trustworthy conservator is so vital.4. Loss of Financial ControlFor many Baby Boomers, losing the ability to make decisions about their finances can feel like a betrayal. Especially when it comes to their home, investments, or savings, the fear of financial mismanagement or even exploitation is real. The conservator has the authority to make decisions that may not align with the ward’s preferences, potentially leading to regret or financial hardship later in life.As you can see, the consequences of losing these rights in a conservatorship can be significant and far-reaching. But it doesn’t have to be this way. There are steps you can take before a crisis happens to ensure that you retain as much control over your life as possible.  There are ways to avoid the possibility of a conservatorship in your future.  The key is taking action while you have capacity right now.🔑 For help, visit https://www.NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube✨Follow on Instagram: https://www.instagram.com/nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Whether you're a caregiver for an elderly family member, or someone who’s concerned about their own future care, understanding conservatorships is crucial. But it’s not all smooth sailing. There are some serious pitfalls, and real-life stories which can be downright scary -- like that of pop singer Britney Spears' recent legal battle over her conservatorship, and TV host Wendy Williams where it seems unclear whether she needs a conservatorship at all.I thought it would be important to look at these cases and remind us of the potential dangers that comes with conservatorships. Also in this episode, I’ll break down what a conservatorship is, how it works in Tennessee, and share some cautionary tales to help you avoid common mistakes.A conservatorship is a legal arrangement where a court appoints someone to manage another person’s personal, financial, or medical affairs. In Tennessee, a conservatorship may be established for individuals who are unable to care for themselves due to age, illness, or disability. The person appointed to be the conservator has a significant responsibility, often taking on the role of managing finances, making healthcare decisions, and overseeing daily living.But here's where things get tricky. While conservatorships can be lifesaving for individuals who truly need help, they can also be ripe for abuse because they are aimed at taking your rights away in these areas and giving them to someone else, i.e. the Court appointed Conservator. In Episode 60 of Boomer Time, I explore what happens when a conservatorship goes wrong and what you, as a caregiver or adult child, should watch out for.🔑 For help, visit NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube✨Follow on Instagram @nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.Image(s) used under license from Shutterstock.com.

In this episode, we are talking about Executors Behaving Badly. These are the folks that you name in your Will to take charge of your affairs when you die.  These are the same folks you trust will follow your instructions in that document.Well people are people, right?  Sometimes it doesn’t go that way – actually in can go way of course.  I’m talking Executors stealing funds, running off, forgetting to tell the Court that they have other family members, selling houses without others consent, ignoring their duties, unnecessarily delaying administration and distributions… you name it, it has happened.  I am going to share a few of those stories today and it’s my hope that you will think more specifically about who you leave in charge of your affairs after you’re gone OR learn what you can do as a beneficiary to take action in these circumstances.🔑 For help, visit NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube✨Follow on Instagram @nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

I’ve always said that when it comes to elder law needs, proactive planning is crucial to avoid costly and emotionally draining court battles. By taking preventative measures, you can ensure that wishes are respected, assets are protected, and that your family is spared from unnecessary conflict.In Ep. 58 of Boomer Time, I elaborate on these strategies. Also, I encourage you to plan a strategy session of your own. All you have to do to start is visit me at NancyCogar.com and I’ll help you out.But in this episode, I’m talking about how power of attorney, end-of-life directives, an awareness of capacity issues and a beneficiary plan can all play in to your plan to avoid going to court. We all want to avoid that, don’t we?🔑 For help, visit NancyCogar.com🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube✨Follow on Instagram @nancy.cogarDisclaimer: The information provided on this website and on the podcast is not intended to be considered as legal advice or constitute an attorney/client relationship as provided under the Tennessee Rules of Professional Conduct.

Episode Takeaways: Caregiving is physically and emotionally demanding, and caregivers must assess their own stamina and support systems. Before accepting a caregiving role, fully understand the person's needs, including insurance coverage, medical conditions, medications, and legal documents. Create a care plan for present and future care, and assess the financial resources available. Seek professional guidance, including an elder law attorney or geriatric care manager, to navigate complex issues. Consider options for in-home care, assisted living, or other supportive care. Research and understand available resources and benefits, and be prepared for waiting lists. Develop a professional caregiving agreement that outlines roles and responsibilities. Compensation for caregiving can be addressed through legal and financial planning. Open communication and planning are essential for a successful caregiving experience. ----------------------------------------- Nancy A. Cogar, Esq., has a Tennessee-based practice in estate planning, elder law, long-term care planning & advocacy for older adults. As a partner with Samples, Jennings, Clem & Fields, PLLC, she is committed to comprehensive, competent & compassionate advocacy for seniors, caregivers and families navigating aging and the incoming Silver Tsunami. 🔑 For help, visit NancyCogar.com 🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube ✨Follow on Instagram @nancy.cogar

Nancy A. Cogar, Esq., has a Tennessee-based practice in estate planning, elder law, long-term care planning & advocacy for older adults. As a partner with Samples, Jennings, Clem & Fields, PLLC, she is committed to comprehensive, competent & compassionate advocacy for seniors, caregivers and families navigating aging and the incoming Silver Tsunami. 🔑 For help, visit NancyCogar.com 🎙️ Listen to the Boomer Time with Nancy Cogar podcast on Spotify, Apple Podcasts and on YouTube ✨Follow on Instagram @nancy.cogar