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Welcome back to the latest episode of the ArtistWorks Music Series podcast! This week, ArtistWorks CEO Patricia Butler sits down with ArtistWorks fiddle master Darol Anger to discuss how to create a roadmap to a more effective practice routine that will take your playing to the next level. The show is available now anywhere you listen to podcasts, or you can listen here on our site.

In the first segment, Darol described the modern trend of adult children providing care for aged parents. The stress is sometimes overwhelming and many family members who provide care need help but do not know how to ask for help. That question, when is a good time to ask for help, became the theme of the show. To help Darol answer that question, Rebecca Bomann, owner of SASH Realty, hosted two guests from Allied Health Advocates, Robin Shapiro and Beth Droppert. Allied Health Advocates (AHA) is a Washington state-based health advocacy company focused on providing in-person assistance to patients and their families who are navigating the health care system. Through dedicated Health Advocates, who have backgrounds in nursing, law and communications, we help provide unique insight for patients. Robin and Beth explain their passion for advocacy, how they originated the company and what motivates them to help families who face sometimes serious medical crises. They also offer tips on when is the best time to ask for help and how to obtain it. You can contact Allied Health Advocates by contacting them at this link: http://www.ahadvocates.com/contact-us.php

In this exciting episode of Living Care Radio, host Darol Tuttle, lays out resources to help listeners find information, resources and advice regarding VA benefits, Medicaid and COPEs and even housing options for Seniors who need help. One resource is the website for the show, www.livingcareradio.com, in which all of Darol's articles are posted as well as prior episodes. Another great resource is Darol's personal website, found at www.daroltuttle.com. Darol Tuttle is a Tacoma, WA elder law attorney with offices in Kirkland, wa. In the first segment, Darol laid out that the cost of long term care in Washington state is high and rising. The average cost of a private room in a nursing home in Washington state is $102,200 per year. Traditional planning does not work to help seniors pay that cost. Listen to the episode as Darol explains why most planning does not work and how to avoid making planning mistakes that jeopardize your estate. For the remainder of the show, Living Care Radio hosted Franke Tobey Jones, a Continuing Care Retirement Community located in Tacoma, Washington. Franke Tobey Jones was on the show live with Alex Newman, Senior University Director, Michelle Matz, Senior Director of Residential Accommodations and Christine Hall, Senior Director or Marketing and Public Relations. Listeners learned that a "Continuing Care Retirement Community" differs from most communities because it includes far more options all the way from Independent Living to Skilled Nursing and even hospice. As such, the resident may in most case stay at Franke Tobey Jones without worrying that he or she will be required to leave their homes if their health changes. As a Continuing Care Retirement Community, Franke Tobey Jones offers multiple Independent residences for active retirees, with the peace of mind of lovely Assisted Living, 24-hour Health Care and Memory Care facilities steps away. Life Style Options Independent Living Duplexes – Enjoy a modern home in a comfortable neighborhood with all the conveniences and security of a community. Duplex residents enjoy all the benefits of the Franke Tobey Jones campus while living in a more private, residential setting. Garden Apartments – This is condo style living. 1, 2 and 3 bedroom apartments —all maintenance-free, inside and out. The custom building includes elegant parlors, soaring ceilings, a grand staircase, elevator, library, sunroom, lounge with wet bar and big-screen TV and piano—all designed to be extensions of your home for entertaining or personal leisure. A Concierge will answer your questions and make sure your needs are met. Tobey Jones Building – Independent Living with Services. The Tobey Jones building offers apartment living in a comfortable, secure and convenient atmosphere. We have described residence in the Tobey Jones building as “independent living with services,” because residents receive three meals daily in a lovely dining room with waited service and weekly housekeeping. Assisted Living Lillian Pratt Building – Residents retire in style and comfort in the Lillian Pratt building. The gracious setting is matched by impeccable care and services. Lovely, private studios and one-bedroom apartments are available, each with one bathroom and an emergency call system. Skilled Nursing Health Care Center – This family-like center boasts a unique and friendly atmosphere and provides our residents and their families with a multitude of amenities and the peace of mind of the most qualified clinical staff around. Both private and semi-private rooms, each with 1 bathroom, are available in our “private pay” Washington State Licensed skilled nursing area. Memory Care – Our Place Our Place is a specially designed, newly-built, home-like residence for seniors with early stage Alzheimer’s and dementia. Under the direction of a Licensed Nurse, Certified Nursing Aides and Activity Coordinators, the Our Place day is structured to maximize the quality of life for residents.

In this, the 18th episode of Living Care Radio, Darol Tuttle and guest Lisa Doyle discuss Living Care Plans in the context of cancer or other serious diseases, Veteran's health benefits and asset protection. Darol was recently interviewed by a report from NPR (National Public Radio) on the topic of Cancer and the frequency of bankruptcy petitions by those who have been diagnosed with Cancer. Darol was asked how he helps his clients manage medical expenses when facing cancer. Living Care Plans assist clients because the plans verifies and forecasts income, assets and expenses for five years. Living Care Radio then discussed a group of homeless veterans who reside near Forks, Washington in the wilderness. The Department of Veterans Affairs has a program in Washington to help homeless vets. The dilemma is that the veterans, living in the wilderness, do not wish to be contacted. The Veteran's Health Administration now seeks to partner with companies like Cay Care in order to help Veterans. In the remainder of the show, Darol lays out various programs offered by the Department of Veteran's affairs to include Pension that pays a married Veteran up to $2,000 per month.

In this episode of Living Care Radio, Darol Tuttle interviews Michael Sheek and Christine Jackson with Banker's Life and Casualty about the intricacies of long term care insurance. Darol asks tough questions about financing care through insurance and offers some alternatives.

Medicare and Medicaid can be very confusing. After last week’s exciting show covering The Affordable Care Act, this week’s Living Care Radio Show host, Darol Tuttle, dives into the difference between Medicare and Medicaid and how it relates to The Affordable Care Act. Highlights of this week’s Living Care Radio Show: • Medicare – This program is specifically made for seniors. This program is divided into 4 parts; • Lisa Doyle from CayCare calls in and discusses Jimmo Vs. Sebelius and the importance of rehab centers; • Medicaid – This program helps those with limited assets, limited income, and is available for any age. **UPCOMING Living Care Workshop** **Thursday April 18th @ 630pm at Kings Manor in Tacoma In this FREE workshop VA Benefits will be discussed Register by visiting www.livingcareworkshop.com or calling (877)517-6916 **Saturday, April 20th @ 9am at the Holiday Inn in Renton This FREE workshop will cover proactive planning, as well as ways to manage the costs of long-term care, probate expenses, and unnecessary taxes. Register by visiting www.livingcareworkshop.com or calling (877)517-6916

In this episode, Living Care Radio Host, Darol Tuttle focuses on the largest threat to one’s retirement, the Affordable Care Act, long term care and short term care. Living Care Radio received a call from a listener who touched on a concern held by some regarding “ObamaCare”. As reiterated by Living Care Radio Host, Darol Tuttle, the listener’s concern focused on the individual mandate; believing that one’s choice to enroll in health insurance, or to decline, is being taken away due to the Affordable Care Act. In the final segment, Darol Tuttle touches on businesses and the possible effect it has. If an employer has over 50 employees and does not provide health insurance, the employer will be charged a fee of $2,000 per employee. Also, Darol discusses incentives that are being offered to entice business owners to provide health insurance for their employees. **UPCOMING Living Care Workshop** Saturday, April 20th @ 9am at the Holiday Inn in Renton This FREE workshop will cover proactive planning, as well as ways to manage the costs of long-term care, probate expenses, and unnecessary taxes. Register by visiting www.livingcareworkshop.com or calling (877)517-6916

Living Care Radio hosts Pamela Maddess from New Tacoma Cemetery. Pamela describes end of life planning and ways to finance burial. Thereafter, Darol Tuttle, elder law attorney, discusses dementia, estate planning and VA benefits.

In this episode of Living Care Radio, host and elder law attorney, Darol Tuttle, discusses the five levels of estate planning. Analogizing in a fun way to a video game, Darol discusses the entry level of estate planning which is simply putting into place powers of attorney and so called "Living Will." More about Living Wills in a moment. Next, Darol introduces the idea of "Level 2" which is simply adding to Level 1 with a Last Will and Testament. It is imperative, if married, to include a trust created at death for the benefit of the surviving spouse that holds funds for his or her long term care. The reason that this is important is to finance skilled nursing costs with jeopardizing important Medicaid benefits. This is often overlooked in planning and can cause the assets of the surviving spouse to be depleted unnecessarily. Level three involves the use of a Revocable Living Trust or other devices to avoid probate. The rest of the show was dedicated to higher levels of planning to finance care. Darol again interviewed Lisa Doyle, owner of CayCare and a registered nurse, and discussed an incident in California in which a 87 year old woman suffered a heart attack in a common area of an Independent Living Community and a staff member of the community refused to perform CPR, citing company policy. The incident was discussed from the perspective of Washington law, which provides for a Physician's Order on Life Sustaining Treatment and Advanced Directives. Advanced Directives are also known as Living Wills and Darol discusses the two documents and there differences.

In this week's episode, Darol Tuttle, discusses the current rules governing federal and state estate tax and gives listeners an important tax tip regarding capital gains tax savings. A workshop attendee asks Darol about the "fiscal cliff". The tax tip Darol discusses is related to the "Step Up In Basis" rule contained in the estate tax code. When the estate tax was repealed for one year in 2010, it created an interesting dilemma for high net worth individuals who passed in that year. One such person was George Steinbrenner who owned the New York Yankees. This is discussed in the context of capital gains tax to illustrate the ways in which the estate tax and capital gains tax rules intersect. Darol then discusses dementia and notes that he has been asked to present at Kings Manor Assisted Living Community on the theme of "Dementia and the Law." Dementia in a loved one causes a multitude of legal difficulties. It is not uncommon for guardianships to arise to include litigation among interested parties. The difficulty is navigating complicated financial and health care regulations that require a care provider to meet strict requirement before taking on the onerous duty of decision making for a person with dementia. LEARN: The three (3) essential documents every family should have signed and notarized in order to care for a family member with dementia. Ways to prevent expensive, time consuming and stressful court appearances when managing the affairs of a dementia patient. Common mistakes when finding help for a family member and ways to avoid them Resources available to help families who are dealing with a loved one who suffers from dementia of any type. Wednesday, March 6th - 6:30 pm Kings Manor Assisted Living Facility 8609 Portland Ave E Tacoma, WA 98445

Living Care Radio host and elder law attorney, Darol Tuttle, discusses VA benefits in the context of a real story of a World War II veteran who is now in need of assistance. Darol discusses touches on the various benefit programs available through the Department of Veteran's Affairs in particular non-service connected pension. Living Care Radio also hosts special guest Jason Kitchel. Sales Director at Narrows Glen. Listen as Darol interviews a veteran who served in the 101st Airborne Division in World War II and currently resides at Narrows Glen. Living Care Radio asks questions of Bill, the Veteran, and his wife, Delores, as they even test the response time of the community. Jason then describes amenities and services at Narrows Glen. Darol also describes three mistakes he often sees and how to avoid them, in particular avoiding probate. Living Care Radio host, Darol Tuttle, will also appear at Narrow Garden on Tuesday, February 26th at 6:30 pm to discuss estate and long term care planning and will discuss VA benefits in more detail. To register, go to www.livingcareworkshop.com or call 877-517-6916. For more information about VA benefits, call Darol at (253) 272-1904 or visit www.daroltuttle.com

Host, Darol Tuttle, airs LIVE with special guest Janet Pack. As an expert in Senior Planning, Janet Pack with Senior Care Alliance has completed IRA University and has a background in Estate Planning and Long Term Care planning. You will find very few individuals in the state of Washington with similar credentials. She has helped thousands protect their assets and preserve their wealth. Janet knows how to help you find financial peace of mind. She has helped thousands protect their assets and preserve their wealth by using various, not commonly known practices to cover extended care costs. Along with a team of professionals, she keeps you up-to-date on Medicaid, spousal impoverishment and even VA Aid and Attendance. She has weathered years of market risk, tax and Estate law changes.

Saturday, February 2013 In this episode, Living Care Radio Host, Darol Tuttle discusses the demographic event called the "Silver Tsunamai" in which statitics show that the American population is aging. As the number of Americans over the age of 65 increase, the demand for long term care services will increase. Darol arguest that long term care services are having a hard time meeting this increased demand and prices are increasing. For this reason, many families are left unprepared when a sudden need for care arises. Next, Living Care Radio highlights the struggles of one such family. Listeners are introduced to two sisters who describe the stress of caring for thier mother after she fell at home and was seriously injured. The two sisters openly discuss mistakes they made in arranging and financing care with the goal of helping other families. In the final segment, Lisa Doyle, a registered nurse and owner of CayCare talks with Living Care Radio about her experienes when helping families find placement for loved ones during and emergency and caring for them afterwards. You can learn more about CayCare and Lisa Doyle by visiting www.caycare.com