2020
and
PLANNING GUIDE
Published by the
For your family - For you!
We provid de information and services to: People age 60 and older; P ple (age 18 and ollder) with physical or developmental disabilities; Peopl We W also supp port and assist the families and caregivers der people and people with disabilities. of old
8820 Hwy 35/61 South N3152 State Rd. 81 Lancaster, WI 53813 Monroe, WI 53566 608.723.6113 608.328.9499
tt 303 W. Chapel St 15701 County K Dodgeville, WI 53533 Darlington, WI 53530 608.930.9835 608.776.4960
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2020
and
PLANNING GU
IDE
CONTENTS HEALTH & WEALTH PLANNING GUIDE 2020
Published by the
For your family - For you!
is a product of the
11 Means Drive P.O. Box 500 Platteville, WI 53818
Planning a Memorial Monument . . . . . . . . . . . . . . . .
(608) 348-2374 or 1-800-236-2537 Advertising and
Why Should You See a Financial Advisor? . . . . . . . . . . . . . . . . . . . . . . .
Marketing Manager Kathy Neumeister Advertising Consultants:
How to Choose a Hospice . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Pam Heins, Lead Lisa Banfield Kathie Bartels Tiffany Gardner Accounting Cari Fowell
4 5 6 7 8 9 10
Cervical Health Awareness is Important for Women of all Ages . . . . . . . .
10 Most Common Sports Injuries . . . . . . . . . . . . . . . . . . . . . . . . . .
Tips When Choosing Your 401(k) Investments . . . . . . . . . . . . . . . .
Dolores Paulson Qualities That Can Make a Good Nurse . . . . . . . . . . . . . .
Page 3 2020 Health & Wealth Planning Guide June 30
Cervical Health Awareness is Important for Women of all Ages HEALTH
www.dhs.wisconsin.gov/wwwp/index.htm
Did you know? Nearly 13,000 new cases of cervical cancer were reported across the U.S. in 2016. Wisconsin reported 200 of those cases. A future free from cervical cancer. If there was a vaccine against cancer, wouldn’t you get it for your kids? Find out if the pre-teens in your life have had the HPV vaccine. The vaccine is safe, effective, and prevents the virus that can lead to cervical cancer and many other types of cancer in the future. Cervical cancer testing One of the best things you can do to keep from getting cervical cancer is to get regular testing for it.
Wisconsin Well Woman Program (WWWP) provides preventive health screening services to women with little or no health insurance coverage. Well Woman pays for mammograms, Pap tests, cervical cancer screenings, multiple sclerosis testing for high risk women, and certain other health screenings. Covered services are available from participating health care providers at no cost to Well Woman clients. There is no premium, co-payment, or deductible for the Well Woman Program. You are eligible if: Your income is within the program’s guideline limits, and you do not have
health insurance, or the insurance you have doesn’t cover routine checkups and screening, or you are unable to pay the deductible or co-payment. The program is available in all 72 counties and 11 tribes. However, not all covered services are available from every provider. How to apply Contact a county or tribal Well Woman coordinating agency to enroll. Call us at 608-266-8311 for more information about the Well Woman Program in your area.
Do you need a Mammogram or Pap Smear but can’t afford it? Simple enrollment and you can see a doctor in your area! Wisconsin Statewide Program You may be eligible for services AT NO COST TO YOU IF:
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• You are a woman age 35-64 • You do not have health insurance, your insurance does not cover screening exams or you cannot pay deductibles or co-payments • Your annual household income meets guidelines (up to $31,900 for 1 person; $43,100 for 2 persons. Call for larger families guidelines)** **Net taxable income for farm families and self-employed persons.
For more information, call: Jennifer at (608) 847-9455 or toll-free 1-866-735-9616 Covering Adams, Columbia, Dodge, Grant, Green, Iowa, Juneau, Lafayette, Richland and Sauk Counties
Page 4 2020 Health & Wealth Planning Guide June 30
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Preplanning A Memorial Monument WEALTH
Don’t Forget to Preplan Your Monument This article was submitted by Lancaster Monuments
Losing a loved one is never easy. Surviving family members are tasked with the overwhelming responsibility of planning final arrangements in the midst of processing their own grief. This can lead to sudden financial burdens and stressful decisions if final wishes are not documented ahead of time. To prevent this incredibly difficult situation, more people are choosing to preplan their arrangements to give their loved ones peace of mind. When working with a monument provider to preplan, you are able to select and document all of your final wishes, down to the memorial details. You can design a memorial that is unique to you. You are able to decide if it will be simple or elaborate, granite or bronze, what the inscription says and more. Not to mention, the memorial can be a great gift to loved ones who wish to honor your memory in a meaningful way. To help you preplan your own memorial, follow our five-step process to designing a personalized memorial. 1. Find a cemetery The first step in preplanning your own memorial is to research local cemeteries, including their specific rules and regulations for memorials. Unfortunately, we know of many families who have purchased land at a cemetery, then realize the memorial they envisioned is not permitted. Consider consulting with Lancaster Monuments first. They understand the guidelines
for memorials at different cemeteries and will help you navigate the options. There are several types of cemeteries to choose from, including: Public cemeteries, Religious cemeteries, District and municipal cemeteries, National and veterans’ cemeteries 2. Select the size and shape of your monument There are a number of memorials available, varying in shape, size and style. Review the available options to ensure the selected memorial or monument embodies your final wishes. A variety of memorial types exist for both burial and cremation, including: Upright monument, Slant marker, Raised bevel, Lawnlevel, Cremation monuments and Benches. 3. Choose a color Next up is color. Granite comes from all over the United States and other countries. Pick the one that suits you. Popular shades and patterns include: Wausau Red, Barre Gray, Jet Black, Blue Pearl and Mahogany. It is important to note granite is a product of nature and will vary in shade. 4. Customize a design Memorials are so much more than stone grave markers. They are personalized tributes that honor the life and legacy of your life lived. Talk with Lancaster Monuments about design options. They design your monument in front of you via computer. Some common
elements include: Hand and laser etching, sculptures and carving, unique engraving, bronze lettering and accents, ceramic and porcelain photos, flag holders and vases. 5. Create your message While most memorials have traditional phrases like “Always In Our Hearts” or “In Loving Memory Of,” talk with Lancaster Monuments about the message. When surviving family and future generations visit your final resting spot, what do you want to convey? Perhaps there is a quote you live your life by, or a meaningful song you share with your spouse. When able to pick something personal, it can have a much deeper meaning for not only you, but for surviving family. Beyond your name, birthday and date of your passing, the memorial can make mention of family references. These include: Beloved mother, devoted husband, adored grandmother, parents of XXXXXXX, your wedding date and more. Preplan your memorial to reduce stress for family members While preplanning funeral arrangements is of utmost importance, a memorial is the surviving piece of history for loved ones and future generations to visit after you’ve passed. Preplanning a memorial may feel overwhelming at first, but it’s a true act of love for surviving family members that allows you the time to choose what you want.
Pre-Plan now so your family won’t have to later Poor planning affects everyone...Good planning will, too.
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CELEBRATING 80 YEARS SERVING THE TRI-STATES memorials@lancastermonuments.com lancastermonumentscompany.com Sale Ends July 31, 2020
334 W. Elm St., Lancaster • 608.723.4537 • Mon.-Fri. 9AM-5PM; Sat. By Appt. Page 5 2020 Health & Wealth Planning Guide June 30
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We are a licensed pre-need provider for Wisconsin
Why Should You See a Financial Advisor? WEALTH
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor
The social distancing and stay-at-home orders necessitated by the coronavirus have led many of us to feel isolated. Still, we’ve fought back through social media, “virtual” gatherings and walks in the neighborhood, where we could greet friends and neighbors (from 6 feet away). But when you’re dealing with the financial effects of the virus and you’re investing alone, you could encounter some problems that may prove costly. Of course, with so much investmentrelated information available online, on television and in any number of periodicals, it’s not surprising that some people feel they can invest without any assistance. But the volatility of the financial markets over the past few months has also pointed to the dangers of going solo in the investment world. And you might find that a professional financial advisor can help you in several ways, including the following: Taking emotions out of investing. During this period of market turbulence, many self-guided investors are letting their emotions drive their investment decisions. As a result, they sell investments when their price is down, “locking in” their losses. Furthermore, if they then stay out
of the financial markets, they will miss out on the eventual recovery – and some of the biggest gains in market rallies usually occur right at the beginning. But if you work with a financial advisor who has helped you develop a personalized investment strategy based on your goals, risk tolerance and time horizon, you will be far less likely to react to extreme market conditions by making ill-advised decisions. Maintaining perspective. When you’re putting away money for the future and you suddenly have a lot less of it, you might start to wonder if that future is somehow in jeopardy. But if you’ve been working with a financial advisor and following your investment strategy, you’ll know that you don’t have to immediately cash out those investments that have lost value, and you may not need to liquidate them for decades if they were designed for a longterm goal, such as retirement. By the time you do need to sell them, their value may well have appreciated significantly. And if you’ve got a well-constructed portfolio, you’ll also own shorter-term, less volatile investments to help meet your current cash flow needs.
Understanding the history of investing. The recent market instability is unique in the sense that its cause – a world-wide pandemic – is so highly unusual, and it hopefully will be a once-in-a-lifetime experience. Typically, prolonged market downturns are triggered by explainable financial or economic factors, such as the bursting of the “dot-com” bubble in 2000. However, market drops of 20 percent or more – generally referred to as bear markets – are not at all unusual and have happened every few years over the past several decades. Financial advisors are well aware of this history and share it with their clients. And for many people, the knowledge that “we’ve been here before” is reassuring and makes it easier for them to continue following their investment strategies. The road to your financial goals is a long one, with many twists and turns. So you might like to have some experienced company along the way. for more information contact: Bob Allbright at 608-935-9299 or visit: www. edwardjones.com/bob-allbright and Elissa Allbright at 608-935-9576 or visit: www. edwardjones.com/elissa-allbrightEdward Jones, Member SIPC.
Elissa Allbright
113 N Iowa St Dodgeville, WI 53533 608-935-9299
111 County Road Yz Dodgeville, WI 53533 608-935-9576
MKT-1952G-A
Financial Advisor
Financial Advisor
edwardjones.com
Member SIPC
Four Generations Serving The Tri-State Area Since 1919
2424 State Road 80, Cuba City, Wisconsin (608) 744-2400 www.haudenshieldfuneralhome.com
Page 6 2020 Health & Wealth Planning Guide June 30
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Bob Allbright, CFP®, AAMS®
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Haudenshield Funeral Home & Cremation Services
How to Choose a Hospice HEALTH
By Guest Columnist Ben Johnsen, outreach manager for Agrace
For many people facing a lifelimiting illness, hospice is an unfamiliar model for receiving health care. They may correctly equate hospice with comfortfocused, “whole-person” care at the end of life, but most people’s understanding ends there. We are fortunate that our community is home to exceptional hospice care that’s available to everyone who needs it in the last six months of their life. Our local nonprofit hospices have some of the most innovative services and facilities available anywhere in the country. Not only is hospice care one of the most comprehensive forms of care people can receive at the end of life, it’s also very affordable. In working toward choosing a hospice, it’s helpful to explore some myths and facts about receiving high-quality hospice care. Myth: Hospice is for the last few days of life. Fact: People are eligible to receive hospice care when they have 1) a diagnosis of a lifelimiting condition, 2) a life expectancy of six months or less and 3) a primary goal of comfort, not cure. They do not need to be bedbound, wheelchairbound or even homebound to enroll, but two physicians must certify that the person meets the basic hospice eligibility criteria. When patients are able to have hospice care for several weeks or months, there’s more time for hospice staff to support and comfort them—body, mind and spirit. Hospice care also includes emotional and
spiritual support for patients’ family members, to help them prepare for the loss and process their grief after the death. Myth: All hospice patients must have “do not resuscitate” (DNR) status. Fact: Hospice is patient-driven care. Most hospices encourage patients to make their own choice about whether they prefer to be resuscitated or to die naturally in the event their heart or breathing stops. When patients enroll with Agrace HospiceCare, Madison, their care team talks with them and their family or health care agent to be certain their endof-life wishes and advance directives are known to, and fulfilled by, their care team. Myth: Hospice care is expensive. Fact: Most patients have minimal out-of-pocket expenses for hospice care, even for medications and equipment that are often needed in the last months of life. The comprehensive care and support provided by hospices is almost completely paid for by Medicare, Medicaid or private health insurance, although there may be small co-payments for medications. Myth: Hospice is only available to people who have health insurance. Fact: For people who don’t have health insurance, hospices’ charitable care programs can often help. For example, at Agrace HospiceCare, people who need hospice care but don’t have the means to pay for it can receive free or discounted care through Agrace’s
donor-supported Care for All program. Myth: When people enroll in hospice care, they have to give up Medicare. Fact: When a patient covered by Medicare chooses to enroll in hospice, their standard Medicare benefits continue—for items and services that are not related to their terminal illness. Care that is related to their terminal illness is typically included within the Medicare hospice benefit, which pays for covered items and services that are provided or arranged by the hospice. When a loved one has a lifelimiting illness, hospice can
be incredibly helpful. While practices and costs are similar at most nonprofit hospices, certain differences can tip the scales for prospective patients, including the hospice’s accreditation, staff expertise and certification, access to inpatient or residential hospice care, volunteer support and community reputation. It’s wise to ask your doctor to explain your choices and his or her recommendation. Hospice can be incredibly helpful. To learn more, call Agrace at (800) 930-2770 or visit www.agrace.org.
I just want to be at home ...
(608) 348-4797 | agrace.org
Page 7 2020 Health & Wealth Planning Guide June 30
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10 Most Common Sports Injuries HEALTH
Metro Creative Services
Athletes may be vulnerable to certain accidents and injuries associated with participating in sports and other physical activities. Personal safety requires an awareness of the risks associated with certain activities. UnityPoint Health says
these are the 10 most common sports-related injuries people experience. • Hip flexor strain • ACL tear or strain • Concussion • Groin pull/strain • Shin splints
Complete Chiropractic Care
2019
- Manual and Instrument Techniques
• Sciatica • Hamstring strain • Tennis or golf elbow • Shoulder injuries, such as dislocations or strains • Patellofemoral syndrome Exercising caution while playing sports or exercising, as
well as using correct form and guidance, may prevent some of these injuries. Speak with a doctor or physical therapist for ways to alleviate sports injuries and recover more readily.
Vincent Monuments
- Rehabilitative Care - Sports Injuries & Exercise Rehab - Nutritional Counseling & Supplements - Low Level Light Therapy
Chiropractic Associates
470 S. Water St. | 608.348.3156 | Platteville chiropracticassociatesofplatteville.com
• Private Rooms • Inpatient & Outpatient Rehabilitation Services • Alzheimer’s & Memory Loss Care • Chapel & Meditation Center • Quiet Country Setting
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BLOOMFIELD HEALTHCARE & REHABILITATION CENTER 3151 County CH, Dodgeville, WI (608) 935-3321 Page 8 2020 Health & Wealth Planning Guide June 30
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Tips When Choosing Your 401(k) Investments WEALTH
Metro Creative Services
Saving for retirement is an essential component of financial planning. Adults can save for retirement in various ways, and one of the simplest, most popular ways to do so is to enroll in an employersponsored 401(k) plan. Enrolling in a 401(k) plan can be a wise decision. According to a recent report from Fidelity Investments, the average 401(k) balance rose 8 percent in the first quarter of 2019. Investors seem to be taking notice of such returns, as Fidelity also noted that the average 401(k) employee contribution reached $2,370 in the first quarter of 2019, marking a 15 a percent increase from the year prior. When enrolling in a 401(k) plan, professionals may wonder how to choose their investments. Such plans typically include an assortment of funds. There are a host of factors to consider when choosing 401(k) investments, and the following are some strategies that can help investors make decisions they’re comfortable with.
• Read the enrollment brochure. Brochures might not be the most exciting reads, but 401(k) brochures, which should be provided when employees enroll in a plan, typically include a detailed rundown of the investment options within a given plan. As valuable as these rundowns can be, a recent survey from Prudential Investments found that 42 percent of investors don’t know how their retirement assets are being allocated. Investors who know how their 401(k) contributions are being allocated are in better position to address market fluctuations, giving them more control over their money. •Involve a financial planner in your 401(k). Financial planners can be an invaluable resource that can help investors in myriad ways. Some investors may be surprised to learn that outside planners can even help them with their employer-sponsored 401(k) plans. Provide a planner with detailed information
about your 401(k), including a rundown of the plan’s investment options, and share your retirement goals. A financial planner can then help you choose the funds from your plan that best align with your goals and your comfort levels in regard to risk. • Monitor your investments. While investors need to recognize that markets fluctuate, they still need to keep an eye on how their 401(k) investments are performing. Keep an eye out for funds that consistently lose money or provide little to no return,
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as they’re likely not worthy of your investment dollars. Investors should not overreact and immediately move money around when typically strong funds take a dip, but they also should not accept poorly performing funds as part of the risk of investing. It’s a balancing act, and savvy investors know to keep their eyes peeled and to make changes when necessary. Choosing 401(k) funds is a decision to take seriously, and one that can be made simpler by enlisting the help of a financial planner.
Estate Planning Estate Administration Probate Services Corporate Trustee Financial Guardianships Self-Directed IRA Custodian
Proud to be here for you
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Page 9 2020 Health & Wealth Planning Guide June 30
Lori Bahr, VP Trust Officer
608-348-2685
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Qualities That Can Make a Good Nurse HEALTH
Metro Creative Services
Nurses are the unsung heroes often serve as conduits between of adversity can inspire others lives may be on the line. of the medical profession. While patients and their doctors. As a to remain calm, helping to • Critical-thinking skills: Some nurses may not often bask in result, nurses must be effective ensure patients in need get the situations nurses confront the limelight, their roles are communicators. Nurses may be care they require and deserve. are more urgent than others. indispensable, and that fact tasked with explaining complex • Time management: Many In situations when nurses figures to garner considerable medical issues and protocols, nurses work long shifts, and are not tasked with making oftentimes doing so when during those shifts, they are quick decisions, they still need attention in the years to come. According to the American patients may be at very low given a host of responsibilities. the ability to think critically Association of Colleges of points in their lives. The ability As a result, nurses must be and solve problems that can Nursing, a nursing shortage is to effectively communicate at skilled at the art of time improve and inform patient expected to intensify as the Baby such times can serve nurses management. care. • Adaptability: No two nursing Boomer generation ages and the and their patients well. The nursing profession can need for health care grows. That • Professionalism: Nurses often shifts are ever the same. As looming shortage may compel confront stressful situations a result, nurses must always be fulfilling and rewarding and many people to consider careers while on the job. In such be ready to adapt to new is always challenging. Successful in nursing. Such a consideration instances, nurses must be able to and unique situations. That nurses meet those challenges by should include recognizing some maintain their professionalism flexibility can help nurses relying on a host of traits that of the many qualities that can so they can calmly confront any to effectively confront and make them uniquely qualified obstacles they may encounter. manage challenging scenarios, to handle the adverse situations make a great nurse. • Effective communicator: Nurses That professionalism in the face oftentimes while patientsÕ they face each day.
Proudly delivering expert hospice care 24/7 wherever you call home including facilies and private homes.
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Page 10 2020 Health & Wealth Planning Guide June 30
Dupaco Community Credit Union is more than local. It’s a not-for-profit cooperative owned by members. It doesn’t have outside investors or stockholders calling the shots. That means members control their money and reap the benefits. Your money stays right here, enriching your friends, neighbors, and community. This ideal is as true today as it was in 1948, when 10 Dubuque Packing Company employees founded the credit union on the philosophy of cooperation and mutual self-help.
Own it. Join Dupaco. Dupaco.com/join 800-373-7600
Federally Insured by NCUA
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Page 11 2020 Health & Wealth Planning Guide June 30
Your health is our priority. Don’t delay care. We are here for you. Upland Hills Health is the friendly place you’ve grown to trust. You’ll notice a few changes when you arrive. We are taking extra steps to keep you safe: • When you arrive we will check your temperature and ask a few questions about how you are feeling. Please plan to arrive early to allow time for this. • We are practicing social distancing, wearing masks, and ask that you wear a face cover, too.
Remember, there are smiles behind the face covers! We are happy to see you and ready to care for you.
UplandHillsHealth.org 608.930.8000
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