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October 2025
PEACE OF MIND STARTS WITH A PLAN PLANNING AHEAD Estate Planning | Probate | Guardianships for Your Life Chapters
October is National Financial Planning Month, which is a great time to explore your financial situation and ensure everything is on track to meet your future goals. While financial planning is important throughout every aspect of life, it becomes something we think more about as retirement approaches. Some financial gurus say you need a certain dollar amount to retire comfortably, but it depends on the quality of life you’re trying to achieve. High earners who want to maintain the same lifestyle may need more, while those who plan to downsize and live a slower, quieter life may require less. You have to do the math to determine what your ideal retirement will cost, and make efforts to bring that vision into reality.
Sometimes, things don’t go as planned. You could lose a job and decide to retire earlier than you planned. Or you or your loved one gets dementia or requires specialized care. When this happens, you may have to consider an assisted living facility or nursing home. Check out the article on Page 2 for more information about long-term care planning and the potential costs. More often than not, people don’t look far enough into the future when planning their finances. They may consider the funds they need for the next year or decade, with many even exploring the strategies for retirement. But what happens to your money, property, and other assets once you pass away? Do you want to leave everything to your spouse? Split it amongst your children? Leave a gift for a meaningful charitable organization? Estate planning is a fundamental part of financial planning. If you don’t already have a plan in place, or if it’s been some time since you last reviewed your plan, now is the time to jump into action. Like estate and long-term care planning, financial planning is not a one-and-done event. As life unfolds, your plans change. You may encounter unexpected
turns. Gain peace of mind about the future by creating and keeping plans current.
- Kim Boyer
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Start Your Day the Danish Way Create Hygge in Every Comforting Morning Step
Begin right where you wake, still nestled beneath the covers. Before your feet ever touch the floor, take a moment to stretch , not the kind that feels like a chore but one that softly awakens your muscles and soothes your joints. This small act stirs your blood and eases your body into the day with kindness. Let your shower become a sanctuary. Choose a soap that smells like the season: apple, cinnamon, or something crisp and woodsy. Let the warm water remind you that you’re not in a rush, that this moment is yours.
As the coffee brews or tea steeps, light a candle . Watch it flicker and think of someone who has touched your life. Offer a quiet thank-you and wish them well. This small blessing is a gift to them and you. Slip on your walking shoes and greet the world outside . Even a short stroll can awaken a sense of calm. Listen to the autumn leaves rustle, feel the sun on your cheeks. Let nature’s rhythm soften your own. These hygge-inspired rituals help you reclaim mornings with grace, presence, and joy. You’ve earned mornings like these. Let them carry you forward.
There’s a quiet magic in the early morning. It’s a time made for gentleness, nourishing both body and spirit. That’s the beauty of hygge , a Danish philosophy rooted in comfort, mindfulness, and savoring life’s small pleasures. Pronounced “hoo-gah,” this gentle lifestyle encourages you to slow down and enjoy the present moment. And what better time to begin than first thing in the morning?
Plan Today, Protect Tomorrow WHY LONG-TERM CARE PLANNING MATTERS
When most of us envision our senior years, we imagine aging in place at home, surrounded by our loved ones and prized possessions. While this might be the dream scenario, not all of us will be so lucky. An unexpected illness, such as Alzheimer’s disease, could limit our options and cause us or our loved ones to consider assisted living. Our team has helped members of our community prepare for the future by creating comprehensive estate plans tailored to your needs. Plans usually include a trust to account for and distribute all your assets, pour-over wills, and powers of attorney to give
others the ability to make financial or health care decisions on your behalf. We also talk about what you might want or not want for your long-term care, and we can incorporate your desire into your estate planning documents. Some clients are adamant that they stay at home and not be placed into a nursing home. This desire can be put into the estate planning documents so your desires can be honored. Of course, that is an expensive option, so ideally you have the funds to support your goals. Call us today to get your plans in place and gain peace of mind about the future.
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When it comes to sweet victories, nothing quite compares to ice cream, especially if you’re thousands of miles from home and dodging enemy fire. During the final stretch of World War II, the U.S. Army took dessert diplomacy to a new level with the launch of three massive, concrete-hulled floating freezers designed to deliver joy on a cone. These weren’t your average supply ships. Measuring nearly the length of a football field, these refrigerated barges churned out 500 gallons of ice cream a day, bringing spoonfuls of comfort to troops stationed across the Pacific. Nicknamed BRLs (short for “barge, refrigerated, large”), these floating fortresses of frozen delight also carried loads of meat, fresh produce, eggs, and cheese. But let’s be honest: Everyone came for the ice cream. Whether they were battling the tropics or homesickness, a scoop of chocolate or vanilla was the perfect morale booster for the troops. Too far from a BRL? No worries. American ingenuity didn’t stop at the shoreline. Aviators on high-altitude flights transformed their B-17 bombers into makeshift ice cream makers by stashing cans of the mixture on board. The vibrations and freezing temperatures Ice Cream on Deck! How America Shipped Sweetness to the Front Lines
Extra-Crispy Ranch Chicken Cutlets
Ingredients
• Olive oil • 4 boneless, skinless chicken breasts • Kosher salt and freshly ground black pepper, to taste • 3/4 cup flour • 2 large eggs, beaten
• 1 cup panko
breadcrumbs • 1/2 cup freshly grated Parmesan cheese • 1 oz ranch seasoning,
store-bought (1 packet) or homemade • Cooking spray
Directions 1. Preheat oven to 375 F. Grease a 9x13-inch baking pan with olive oil and set aside. 2. Season both sides of chicken breasts with salt and pepper. 3. Set out three shallow bowls. In the first, combine flour and a pinch of salt and pepper. Add the eggs to the second bowl. Mix panko, Parmesan, and ranch seasoning mix in the third bowl. 4. For coating, dip seasoned chicken breasts in flour, coating both sides. Then, dip the chicken in the beaten eggs and, finally, the panko mixture. 5. Place each coated chicken breast in the prepared baking dish. 6. Spray the tops of the chicken with cooking spray. 7. Bake for 30 minutes, or until the chicken reaches 165 F and is golden brown.
worked like a charm, turning turbulent missions into frozen dessert production. These sweet efforts weren’t about
indulgence but about reminding the troops of life back home, of simpler pleasures, and that even in war, a little scoop of normalcy could make all the difference. Ice cream may not have won the war, but it certainly made the battlefield a little more bearable.
Inspired by CookieAndKate.com
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PRST STD US POSTAGE PAID BOISE, ID PERMIT 411
5235 S. Durango Drive, Suite 103, Las Vegas, Nevada 89113 | 702-255-2000 | ElderLawNV.com BOYER LAW GROUP
Inside 1 Peace of Mind Starts With a Plan 2 Create Hygge in Every Comforting Morning Step Why Long-Term Care Planning Matters 3 Operation Ice Cream: Keeping Troops Cool in Combat Extra-Crispy Ranch Chicken Cutlets 4 Tail-Wagging Traditions and Spooky Celebrations
Tail-Wagging Traditions and Spooky Celebrations COCO’S CORNER
The kids are so excited about Halloween. They keep talking about the houses they’ll go to, how they might be decorated, and what kind of candy they’ll get. Sounds like so much fun. Ella has already decided on her costume. She is going to be Zoey from “KPop Demon Hunters.” She watches the movie and sings and dances and looks so happy. Mom says she used to sing and dance to “The Sound of Music.” Tradition plays a pretty big role in Halloween, whether we realize it or not. In addition to dressing up in cute, scary, or funny costumes and
trick-or-treating, many families in our community carve jack-o’- lanterns, host costume parties, and bob for apples to show their spooky spirit. These are all fun ideas, but if you want to add something new to this year’s festivities, consider creating a scavenger hunt for the kids, baking delicious treats, or playing one of the many Halloween- themed party games. Fun activities and events outside the house are also worth exploring. Younger kids will love visiting Gilcrease Orchard to pick apples and pumpkins. Your kids may also enjoy navigating a corn maze, attending
a trunk-or-treat event, or simply walking around the neighborhood looking at decorations. No matter how you celebrate, Halloween can be a lot of fun for everyone involved, even the family dog!
Coco
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