People tend to pay more attention to their overall health and fitness as they age. If you ignore your aches, pains, and injuries, they’re more likely to worsen, which is why so many of us go out of our way to track specific health measurements. One measurement you should track, especially if you’re showing symptoms of prediabetes, is your blood sugar. Maintaining low blood sugar helps prevent cognitive decline, kidney disease, nerve damage, and more. However, many don’t know how to lower their blood sugar if it’s starting to reach dangerous levels. Here are two lifestyle changes that can help keep blood sugar low while improving other aspects of your health. Exercise regularly. Exercise becomes increasingly important as we age, but this doesn’t mean you have to go all out every time you strap on your running shoes or go to the gym. Experts recommend that you get around 150 minutes of exercise every week, and it doesn’t have to be any more strenuous than a brisk walk. You’ll see much better results if you pick a routine that’s easy to maintain and follow. Cut back on ultra-processed foods. When people try to keep their blood sugar balanced, they usually make an added effort to reduce their intake of sweets. However, nearly all processed carbs pose a risk. Even eating things like bread, pasta, noodles, and white rice can raise sugar levels. Pay attention to what you eat, and your body will thank you.
Protect Your Beneficiaries From Financial Fallout Shield Your Survivors
Giving beneficiaries too much money can sometimes ruin their lives — even if they’re adults. Clients often ask us for guidance on how to provide for their beneficiaries, especially when they may have an estranged child or one with personal issues that frequently lead them to poor financial decisions. Other times, a client may not have a positive relationship with an adult child’s spouse or have concerns over how responsibly their beneficiaries will handle a sizeable inheritance. Unfortunately, we’re often presented with these problems when it’s too late to address them. If you intend to make your children the beneficiaries of your estate, it is critical to establish a plan in advance to avoid familial
disputes or financial disasters after you’re gone.
the first year. Thanks to the help of a financial advisor, the account grew, yielding my client up to $120,000 — tax-free — annually until he passed away in his late 60s. Although it wasn’t the massive windfall he hoped to receive, that money provided him with a very comfortable life. Ultimately, his mother had considered her son’s shortcomings well enough to base her decisions on what would be in his best interests. Who knows what would have happened to him — and all that money — had he received his inheritance all at once? At Bott & Associated Ltd., we help clients address two of the most sensitive areas of their lives: money and family. Please contact us today so we can address your concerns with the utmost empathy and respect.
A few years ago, we were contacted by a client in his 50s whose mother had passed away, leaving an $8 million estate. When we reviewed the trust — which his mother had the foresight to create at least a dozen years before her passing — we saw that his brother, who was married with children, received $4 million. An additional $2 million went to the grandkids, while my client — who was unmarried and didn’t have children — received $2 million, dispersed annually at a rate of 4%. Although my client was quite upset to learn of this arrangement, his mother had been aware of his history of bad relationships and unwise spending habits. At 4%, he received $80,000
2 BottEstatePlanning.com
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