Ten years ago my husband, Steve, and I were employed full time. I was only 47 years old and Steve was 52 years old. We had full benefits and a retirement plan. We realized the wisdom of planning for our retirement.

Protecting Your Independence means learning what your options are, expressing them to loved ones, and making sure you have legally insured they will be followed.

When I think of independence, it means having options and the ability to make personal choices.

A Concierge is a personal connection to existing services and offers personalized assistance as well.