Considering A Retirement Community? 3 Things To Be Aware Of

“Embrace uncertainty. Some of the most beautiful chapters in our lives won’t have a title until much later.”  – Bob Goff

One of the most beautiful, intoxicating parts of life are the little surprises that fill us with joy and keep us looking forward. Planning for the future can sometimes feel like a fun adventure but other times it can be daunting, leaping into the unknown. 

So much of retirement planning aims to make the unknowns knowable, and the intangible tangible. But not everything can be planned, which is why it is important to allow yourself and your loved ones flexibility as they create and change their retirement plan to fit their needs.

A primary aspect of retirement planning is deciding on a place to live. For some, that may mean staying in the house they know and love, for others it may be downsizing to a more manageable property, and others still, it may mean embracing a new lifestyle in a retirement community. 

Now, retirement communities often get a bad reputation. I remember my own mother stubbornly saying over breakfast one morning that I couldn’t ever (and she meant ever) put her in “one of those places.” With this series, our aim is to change this narrative and offer a new perspective on freedom, health, and happiness for your retirement. 

As members of the community ourselves, we wanted to take the time to profile top retirement communities in the area to bring information and perspective to our clients. Each of these communities offers styles of living throughout each phase of retirement, no matter what that may look like for you. 

We interviewed 4 retirement communities in the Cedar Rapids area:

  1. Meth-Wick
  2. The Keystones at Cedar Rapids
  3. Cottage Grove Place
  4. Grand Living at Indian Creek

Whether you have already started to think about a retirement community or if you haven’t even considered this idea, we wanted to give our clients and friends the resources they need to help them live the best life in retirement possible. 

As you move your way through these pieces try to keep these three ideas in mind. 

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1. Prioritize your retirement lifestyle goals

We have talked a lot about creating your ideal retirement lifestyle and the impact that has on your overall retirement (and financial) plan. Be sure to really think about the type of goals you have for yourself in retirement. Understand your unique needs and wants and what atmosphere would best suit that. 

Many new and seasoned retirees alike experience feelings of loneliness or lack of purpose, making it even more important to think through how you want to spend your time. How can you best use your time to make an impact and find new meaning and fulfillment? Only you will know the answer to this, so take some time to figure out what that means for you. Maybe it is volunteering or furthering your education or embarking on a new project or finally dedicating time to a passion. 

For you, it might be better to stay where you are, or you may find that a community will offer amenities, activities, and services that will help enhance your life and make the things you want to do easier. 

2. Understand your current and future health needs

One of the biggest reasons why retirees and their loved ones encourage retirement communities is access to optimal care and service. While no one can predict what will happen, take a look at your current health situation. Are you able to get around the house? Are daily tasks such as cooking, cleaning, laundry, and dressing more cumbersome? Is your support system farther away?

Communities have built-in procedures and assistance to help you as your needs change. It is important to not only understand where you are now but where you will be in 10 or 15 years. Many retirement communities offer independent living options where you can live without assisted living but with the option and availability of care when you need it.

3. Your financial stability

Planning for retirement is one of the biggest savings goals of your life. It is important to prioritize your retirement saving by working with your financial planner to develop a strong plan. When you set and follow a savings plan, you will better put yourself in a position to really live that retirement lifestyle you want and dream of. 

We love working with clients on their unique retirement plans. Schedule a time to chat with us, we can’t wait to help you. 

Retirement communities are not an easy subject to talk about or think about. But, we wanted to help provide our community with the knowledge and resources to help make the best choice for them. 

Retirement doesn’t look the same for each person, and in so many ways that is the most exciting thing about it. Our team is delighted to bring you this series full of passionate, intelligent, caring people who want to improve the lives of each and every person they interact with. We are fortunate to live in a place where there are so many opportunities. Stay tuned for our first community profile coming up soon!

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