“There's a girl I know who has a child with a liver transplant. And she can't get her medications filled at her local pharmacy. She has to rely on mail order. And so you got a kid with a transplanted liver relying on meds being sent through the mail. And sometimes she gets them and they're hot, in the summertime. It's sad. And oh my gosh. She's fighting all the time. It's ridiculous. But nope, no one can fill them but her mail order, specialty pharmacy.”

-Bryan Kiefer, RPh

“Make sure that your loved ones are being taken care of. Find the local pharmacy there that will deliver to your mom and dad that can put it in compliance packaging, then make sure that they take it every month.”

-Bryan Kiefer, RPh

“The other one is some people think if you're on an HSA plan and you're going to be turning 65 that you have to sign up for Part A, because it says, well, it doesn't cost you anything. Well, you don't have to sign up for Part A, because again, you can't make contributions to your HSA account if you have any part of Medicare. And unfortunately we see people make a slip up in that particular arena. But the other one that has come up, when you leave employer coverage, from a Part D standpoint, you have 63 days to make an election for your prescription drugs. It's 63 days. There's a lot of people who miss that window. And now all of a sudden if you miss that window, there's some potential penalties that they could have. We get calls a lot to say, "How can you help us?" And that's another topic that we do here that we try to help the clients and the financial advisor help his clients with.”

-Todd Morrissey

“A lot of people, I mentioned the HSAs, a lot of things with HSAs signing up for Part A; you cannot make contributions to your HSA account if you have any part of Medicare, and that's a whole other conversation to get into. But again, just another planning mechanism that advisors have with their clients.”

-Todd Morrissey

 “A lot of people don't have an IRMAA charge, but there are some clients who do. And I will tell you this. When they get that notice from Social Security or Medicare that says, "Hey, this is what your Part B premiums are and your D." Sometimes it's sticker shock and they always say, "Well, why didn't you tell me about this?" That's why financial planners are there to basically help them guide them and inform them.”

-Todd Morrissey

“A lot of women start to transition and see changes that they don't understand why they're happening. I think we're not educated enough. The medical profession doesn't really prepare us or friends and family. It's not talked about enough, some of the changes that you can start to experience, and it's very frustrating. Women will get depressed. They're starting to gain weight. They've tried everything. They don't know what's going on.”

-Erika Pimentel

“Once you hit 40, between 40 and 50, you have a bigger decrease in lean muscle mass. It's just muscle atrophy. It's a normal process in the human body. It continues throughout your fifties, sixties, and seventies. But the biggest chunk is between mid-thirties to fifties. So one of the things that I think is critical is people understanding that if you are active, you are better able to maintain your lean muscle mass. There are studies that show that once you start experiencing some of that weight gain, late thirties, early forties, if you do not decrease your (daily) caloric intake by about 200, 300 calories, you will see that weight gain unless you're active, unless you're doing something proactively. So it is a part of human nature, I guess, for you to start seeing some of those changes. It's what you do about them, what's going to be the end result. Will you gain weight? Will you able to maintain your weight?”

-Erika Pimentel

“It has become very confusing. That's part of the problem. People get bombarded with too many different options. I don't know if I'm one of the few out there that still believes this, but for me, I do not believe in fad diets because of the fact that our human body is designed to use protein, fat and carbohydrate. We need all three. Now what are the best ratios for each person? I really do believe that depends on the stage of your life that you're in. So you do have to adjust a little bit, as you age, those proportions.”

-Erika Pimentel

“Well, and it's great that you bring that 1.2 (grams of protein per pound of body weight) up because you will see tables. If you were to Google it, you're going to see tables that show 1.2 grams per pound. But we were taught in the way that I even learned it when I was in school studying for nutrition is you don't use per pound, you should use per kilogram of body weight, which makes a huge difference. So if you're somebody who's just trying to maintain your weight, you're not active. You would do 0.8 grams of protein per kilogram of body weight. If you're somewhat active, you can bump it up to one gram of protein per kilogram of body weight. If you're somebody who's really weight training, even if it's not heavy, but you're doing it three, four times a week, you can bump that up to 1.2 grams of protein per kilogram of body weight.”

-Erika Pimentel

“The motion activity, and that's not about what my mom's doing, it's just how she's doing. She's up and about doing her daily routines. I know that if there was an anomaly, the data's going to catch that, the machine learning, and it can alert me, "Mom's not moving around the house like she normally does on a Monday. Mom spent a lot more time in the bedroom this week than typical." And that's all about…using data to proactively identify potential health status, health issues before they turn into something more serious.”

-Paul Rooney

“We've tried to minimize, really, and stay away from wearables, because again, people just don't want to wear these things for the most part. So, we have a couple of devices that are placed strategically in the home that capture that motion and environmental data. So, no need to wear anything.”

-Paul Rooney

“We don't have cameras. They said, "We don't want cameras in the home." So that's kind of where a line was drawn. So no cameras, but I think what is interesting as more of the care evolves and the home becomes a center of care and more care is done virtually, I think we'll see gradually, maybe, progression in that, and the use of cameras, perhaps, at least for that virtual care so the physician and clinician can actually see somebody. But for now, there's definitely a hesitancy around cameras in the home, which I totally get.”

-Paul Rooney

“One of our original prototypes had the typical big, red help emergency button on it. We took that out (to test) and people were like, "Really? It has to be red and this big, embarrassing button? I mean, come on." So we said, "You know what? You're right. It doesn't have to look like that. Let's make it look kind of cool, so you can set it on the coffee table and it's almost like this conversation piece." Again, don't make me feel old. So we took a very different design approach.”

-Paul Rooney

“If you think that you have a book that would benefit the world, don't get in your own way and wait a year or 10 years to actually put pen to paper and write the book. Start working through the process.”

— Honorée Corder

“There's a lot that goes in to turning your words and your expertise and your education, your experience all in one form in a 50,000 to 100,000-word document, and then putting the polish on it. You want someone who understands the arc of a book to go and make sure that what you think you're explaining to someone is what you're actually explaining to them, right, because we make multiple leaps in our heads as experts from A to F like, oh, well, you do this and then this happens. And it's like wait a minute. Where was B?”

— Honorée Corder

“You can still write and publish your book in a weekend. You can still upload a Word document and create a cover yourself. It's just not going to be the workhorse that you want it to be. It's not going to be the quality book that you want it to be. Ultimately, it's not going to work as hard for you.”

— Honorée Corder

“What (traditional) publishers want to see is… Is your milkshake going to bring the sales to the yard? Are you going to be able to sell books? What they will do is give you a chunk of money. It could be as low as, I hope you're sitting down, $10,000, $30,000, which you then have to earn out at your 10%, 12%... you have to earn back that money. That's not free money.”

— Honorée Corder

“You don't want your book to be a best-selling book. You want it to be a best-earning book.”

— Honorée Corder

“There are companies that will produce a book for you, and you will pay for that, and then they will go through the mechanics of publishing for you, and then send you royalties, and for that, they will also keep a piece of the action. So, your royalties are a little higher than traditional publishing, but not as high as if you form your own company and retain all of those rights yourself. I don't believe that there's anyone just like me who does exactly what I do.”

— Honorée Corder

“I would advise them to play to their strengths. And that means do what they love doing. And if they want to do it part-time, they want to do it remotely, they want to do it in another part of the country; Clients can't find enough of you and you can really leverage the shortages in that age group to your advantage.”

— Mike McDonough

“I think it's wise for people to research where they're going and find out what they're walking into. And with social media, it gets a bad rap, but if you look at their website and you looked at their LinkedIn pages, you can figure out very, very quickly by looking at pictures, how diverse and how gray hair friendly a place might be.”

— Mike McDonough

“The big knock on the boomer age group was that they were stuck on their old successes too much. And the employers were afraid to hire them because they had all this baggage and stuff they needed to unlearn in the new world. Well, when they stopped talking about that and started talking about how they love to keep learning and growing, and they have the same passions, but with different wording, they started getting hired again, left over right, because their foundational work ethic was in place and their attitude of being cooperative became a little more heightened and easier to digest.”

— Mike McDonough

“Whatever those skills are that are uniquely yours, make sure that they jump off the page because people sometimes need to be reminded of what the strengths are in a resume. So don't worry about having more information. Try to have the right information and create interest. Think of a resume as an invite to a discussion, a problem-solving session, a chance to brainstorm and see if you two can solve that problem together.”

— Mike McDonough