Where Solo Agers Can Find Help
How you can plan for the future when you don’t have adult children or other family members you can rely on.
Dear Savvy Senior,
Iโm a divorced 73-year-old childless cat lady and have been thinking a lot lately about who will look after me when I get older and my health falters. What resources are available to solo seniors like me, and where can I turn to find a reliable person to be my emergency contact, as well as lookout for my health, financial matters and living arrangements in my elder years?
—Solo Ager
Dear Solo,
This is a very common concern for the 22 million solo agers across the United States who donโt have adult children or other family they can depend on to watch out for their well-being. Here are some tips and resources that can help you plan ahead.
Choosing Helpers & Decision Makers
While older adults who have children or are married usually name offspring or spouses as proxies/decision makers, solo agers most often choose a sibling, niece or nephew, or rely on a trusted friend or neighbor. Whomever you choose, talk to them first to make sure theyโre up for the task.
If, however, you donโt have anyone you feel comfortable with, or who is willing to take on that responsibility, you can hire someone.
One of the best resources for this is an aging life care manager. These are trained professionals in the area of geriatric care who often have backgrounds in nursing or social work and can serve as your emergency contact, oversee your care and even act as your executor. They can also connect you with professional legal and financial services in your area that can help you manage your affairs.
Aging life care managers typically charge anywhere from $100 to $300 an hour, depending on their location and experience. To search for an expert near you, visit aginglifecare.org.
If you canโt afford this, there are other reliable sources you can turn to for specific help. For example, if you havenโt already done so, you need to prepare a basic estate plan (including a power of attorney, advance directive and a will) to ensure your wishes are carried out if you become incapacitated and when you die.
To help you prepare these documents, your best option is to hire an experienced estate planning attorney, which can cost anywhere between $500 and $2,000. He or she may also be able to act as your power of attorney or executor, or help you locate a professional in your area that can.
To locate someone, the National Academy of Elder Law Attorneys and National Association of Estate Planners & Councils have online directories to help you search.
If you need help with bill-paying there are services like SilverBills, or you can work with a daily money manager who, in addition to paying bills, can handle tasks like balancing your checkbook and organizing tax information. And to help you navigate care and senior housing options there are certified senior advisors.
Itโs also a good idea to meet with a financial adviser to help figure out what services and living arrangements you can afford and what steps you can take to ensure that your financial resources last your lifetime. If you donโt have an adviser, you can find a fee-only, fiduciary financial planner trough the National Association of Personal Financial Advisors.
Some other helpful resources you can turn to include Aging Alone Together, a program offered by DOROT, which is a nonprofit social services organization that provides practical ways to help solo agers prepare for the future. They are offering a free, six-session virtual workshop (offered weekly) via Zoom starting April 24th.
Also see Navigating Solo, a national clearinghouse of resources for solo agers and information about solo-ager groups in the U.S.
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ะัะพัะตัั ัะพะทะดะฐะฝะธั โ ััะพ ัะธััะฐะป ะดะพะฒะตัะธั ะผะตะถะดั ั ัะดะพะถะฝะธะบะพะผ ะธ ัะตะปะพะฒะตะบะพะผ, ะณะดะต ัะตะปะพ ััะฐะฝะพะฒะธััั ะฟะพะปะพัะฝะพะผ ัะผะพัะธะน.
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ะกะพะฒัะตะผะตะฝะฝัะต ััะธะปะธ , ะพั ะผะธะฝะธะผะฐะปะธััะธัะฝัั ัะทะพัะพะฒ ะดะพ ััะฐะดะธัะธะพะฝะฝัั ะพัะฝะฐะผะตะฝัะพะฒ , ะฟะพะผะพะณะฐัั ะฟะตัะตะดะฐัั ัะฐะผัั ัะผะตะปัั ัะฐะฝัะฐะทะธั ะฒ ะธะทััะบะฐะฝะฝะพะน ัะพัะผะต .
ะญััะตัะธะบะฐ ะฝะฐัะตะปัะฝะพะณะพ ะธัะบััััะฒะฐ ะฒ ะธั ะฒะตัะฝะพััะธ ะฒะผะตััะต ั ัะตะปะพะฒะตะบะพะผ, ะฟัะตะฒัะฐัะฐั ะฒะพัะฟะพะผะธะฝะฐะฝะธั ะฒ ะฝะตะทะฐะฑัะฒะฐะตะผัะน ะฒะธะทัะฐะปัะฝัะน ัะทัะบ .
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ะขะฐััะธัะพะฒะบะธ โ ััะพ ัะพัะผั ัะฐะผะพะฒััะฐะถะตะฝะธั, ะณะดะต ะบะฐะถะดัะน ัะปะตะผะตะฝั ะฝะตััั ะณะปัะฑะพะบะธะน ัะผััะป ะธ ะพััะฐะถะฐะตั ั ะฐัะฐะบัะตั ัะตะปะพะฒะตะบะฐ.
ะะปั ะผะฝะพะณะธั ัะฐัั โ ะดััะตะฒะฝัะน ะฐะบัะตะฝั, ะบะพัะพััะน ะฒะดะพั ะฝะพะฒะปัะตั ะพ ะฟัะตะพะดะพะปัะฝะฝัั ัััะดะฝะพัััั ะธ ััะฐะฝะพะฒะธััั ัะฐัััั ะฟััะธ .
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ะะพะดะฑะธัะฐั ััะบะธะท, ะปัะดะธ ะฟะพะบะฐะทัะฒะฐัั ัะฒะพั ยซัยป ัะตัะตะท ัะฒะตัะฐ , ัะพะทะดะฐะฒะฐั ะปะธัะฝะพะต ะฟัะพะธะทะฒะตะดะตะฝะธะต, ะบะพัะพัะพะต ะฝะฐะฟะพะปะฝัะตั ัะฒะตัะตะฝะฝะพัััั ะบะฐะถะดัะน ะดะตะฝั.
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ะะฒัะพะผะฐัะธะทะฐัะธั ะฟัะพัะตััะพะฒ ัะพะบัะฐัะฐะตั ะฟะพะณัะตัะฝะพััะธ ะฒ ะพััััะฝะพััะธ .
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ะ Telegram ะฟะพัะฒะธะปะฐัั ัะฒะตะถะฐั ััะฝะบัะธั โ ัะธััะตะผะฐ ะทะฒัะทะด.
ะะฝะธ ะธัะฟะพะปัะทััััั ะดะปั ะฒะพะทะฝะฐะณัะฐะถะดะตะฝะธั ะบะฐะฝะฐะปะพะฒ.
ะะฐะถะดัะน ะฟะพะดะฟะธััะธะบ ะผะพะถะตั ะฟะตัะตะดะฐะฒะฐัั ะทะฒัะทะดั ะบะฐะฝะฐะปะฐะผ.
ะบัะฟะธัั ะทะฒะตะทะดั ะฒ ัะตะปะตะณัะฐะผะต
ะะฒัะทะดั ะพะฑะผะตะฝะธะฒะฐัััั ะฒ ะดะพั ะพะด.
ะญัะพ ะฟัะพััะพะน ัะฟะพัะพะฑ ะฒััะฐะทะธัั ะฑะปะฐะณะพะดะฐัะฝะพััั.
ะัะตะฝะธัะต ะฝะพะฒัะตััะฒะพ ัะถะต ัะตะนัะฐั.
ะ ะฟัะธะปะพะถะตะฝะธะธ Telegram ะฟะพัะฒะธะปะฐัั ััะฝะบัะธั ะทะฒะตะทะด.
ะขะตะฟะตัั ะฟะพะปัะทะพะฒะฐัะตะปะธ ะผะพะณัั ะฟะพะผะตัะฐัั ะฒะฐะถะฝัะต ัะฐัั.
ะญัะพ ะฟะพะผะพะณะฐะตั ะฑััััะพ ะฒะพะทะฒัะฐัะฐัััั ะฝัะถะฝัั ะฟะตัะตะฟะธัะบั.
ะบะฐะบ ะบัะฟะธัั ะทะฒะตะทะดั ะฒ ัะตะปะตะณัะฐะผะผ ะฝะฐ ะฐะนัะพะฝะต
ะคัะฝะบัะธั ัะดะพะฑะฝะฐ ะดะปั ะตะถะตะดะฝะตะฒะฝะพะณะพ ะพะฑัะตะฝะธั.
ะะปะฐะณะพะดะฐัั ััะพะผั ะปะตะณะบะพ ัะพั ัะฐะฝะธัั ะบะปััะตะฒัะต ะผะพะผะตะฝัั.
ะขะฐะบะพะน ะธะฝััััะผะตะฝั ัะบะพะฝะพะผะธั ะฝะตัะฒั ะธ ะดะตะปะฐะตั ะพะฑัะตะฝะธะต ะฑััััะตะต.
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ะะพะบัะฟะบะฐ ะฐะฒัะพะทะฐะฟัะฐััะตะน ัะตัะตะท ะธะฝัะตัะฝะตั ััะฐะฝะพะฒะธััั ะฒัั ะฑะพะปะตะต ะฟะพะฟัะปััะฝะพะน ััะตะดะธ ะฟะพะบัะฟะฐัะตะปะตะน.
ะกะฐะนัั ะฐะฒัะพะทะฐะฟัะฐััะตะน ะพะฑะตัะฟะตัะธะฒะฐัั ะฑะพะปััะพะน ะฒัะฑะพั ะทะฐะฟัะฐััะตะน ะดะปั ัะฐะทะฝัั ะผะพะดะตะปะตะน ะฐะฒัะพะผะพะฑะธะปะตะน.
ะฆะตะฝั ะฒ ะธะฝัะตัะฝะตั-ะฟะปะพัะฐะดะบะฐั ัะฐััะพ ะดะพัััะฟะฝะตะต, ัะตะผ ะฒ ะพัะปะฐะนะฝ ะผะฐะณะฐะทะธะฝะฐั .
ะะพะบัะฟะฐัะตะปะธ ะธะผะตัั ะฒะพะทะผะพะถะฝะพััั ัะพะฟะพััะฐะฒะปััั ะฟัะตะดะปะพะถะตะฝะธั ัะฐะทะฝัั ะบะพะผะฟะฐะฝะธะน ะฑะตะท ะปะธัะฝะธั ะทะฐััะฐั ะฒัะตะผะตะฝะธ.
ะะพัะพัะฝัะต ะผะฐัะปะฐ ะดะปั ะฒัะตั ะผะฐัะพะบ ะฐะฒัะพ
ะัะพะผะต ัะพะณะพ, ัะดะพะฑะฝะฐั ัะธััะตะผะฐ ะพัะฟัะฐะฒะบะธ ะฟะพะทะฒะพะปัะตั ะทะฐะฑัะฐัั ะทะฐะบะฐะท ะพะฟะตัะฐัะธะฒะฝะพ.
ะัะตะฝะบะธ ะดััะณะธั ะฟะพะบัะฟะฐัะตะปะตะน ัะฟะพัะพะฑััะฒััั ะฒัะฑัะฐัั ะบะฐัะตััะฒะตะฝะฝัะต ะฐะฒัะพะทะฐะฟัะฐััะธ.
ะะฝะพะณะธะต ัะตัะฒะธัั ะฟัะตะดะพััะฐะฒะปััั ะณะฐัะฐะฝัะธั ะฝะฐ ัะพะฒะฐัั, ััะพ ัะฒะตะปะธัะธะฒะฐะตั ัะฒะตัะตะฝะฝะพััั ะฟะพะบัะฟะฐัะตะปะตะน.
ะขะฐะบะธะผ ะพะฑัะฐะทะพะผ, ะพะฝะปะฐะนะฝ-ะฟะพะบัะฟะบะฐ ะฐะฒัะพะทะฐะฟัะฐััะตะน ะฟัะฐะบัะธัะฝะฐ ะธ ะฑััััะฐ.
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ะะพะดะฑะพั ะบะพัะผะตัะพะปะพะณะธัะตัะบะพะณะพ ะพะฑะพััะดะพะฒะฐะฝะธั โ ัะตัััะทะฝัะน ะฟัะพัะตัั ะฒ ัะฐะทะฒะธัะธะธ ะบะพัะผะตัะพะปะพะณะธัะตัะบะพะณะพ ะบะฐะฑะธะฝะตัะฐ.
ะกะฝะฐัะฐะปะฐ ััะพะธั ะพะฟัะตะดะตะปะธัั ะฟะพััะตะฑะฝะพััะธ ะธ ะฝะฐะฟัะฐะฒะปะตะฝะธั, ะบะพัะพััะต ั ะพัะธัะต ะฟัะพะฒะพะดะธัั.
ะะตะพะฑั ะพะดะธะผะพ ะพัะตะฝะธัั ัะตััะธัะธะบะฐัั ะธ ะบะฐัะตััะฒะพ ะฒัะฑัะฐะฝะฝะพะณะพ ะฐะฟะฟะฐัะฐัะฐ.
ะัะทัะฒั ะฟัะพัะปัั ัะฟะตัะธะฐะปะธััะพะฒ ะฟะพะผะพะณัั ัะดะตะปะฐัั ัะฒะตัะตะฝะฝัะน ัะตัะตะฝะธะต.
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ะขะฐะบะถะต ะฝะตะพะฑั ะพะดะธะผะพ ะฟัะพะฐะฝะฐะปะธะทะธัะพะฒะฐัั ััะฝะบัะธะพะฝะฐะปัะฝะพััั ะธ ะฟัะพััะพัั ัะฐะฑะพัั.
ะะตัะฒะฐั ะฟัะพะฒะตัะบะฐ ะพะฑะพััะดะพะฒะฐะฝะธั ะฟะพะทะฒะพะปัะตั ะฟะพะฝััั ัััะตะบัะธะฒะฝะพััั ัะฐะฑะพัั.
ะกัะพะธั ัะฐะบะถะต ะฟัะพะฐะฝะฐะปะธะทะธัะพะฒะฐัั ัะตะฝั ะธ ะณะฐัะฐะฝัะธะนะฝัะต ััะปะพะฒะธั.
ะะทะฒะตัะตะฝะฝัะน ะฒัะฑะพั ะบะพัะผะตัะพะปะพะณะธัะตัะบะพะณะพ ะพะฑะพััะดะพะฒะฐะฝะธั ะฟะพะผะพะถะตั ััะธะปะธัั ัะตะฟััะฐัะธั ัะฐะปะพะฝะฐ.
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Fine-art photography often focuses on revealing the beauty of the body lines.
It is about composition rather than surface.
Experienced photographers use natural tones to convey atmosphere.
Such images emphasize artistry and personality.
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Every shot aims to show emotion through pose.
The goal is to show human beauty in an artful way.
Viewers often appreciate such work for its depth.
This style of photography combines technique and aesthetics into something truly timeless.