{"id":2642,"date":"2021-04-22T19:00:00","date_gmt":"2021-04-23T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/where-will-you-live-in-retirement-four-things-to-consider-when-aging-in-place\/"},"modified":"2024-10-22T11:40:41","modified_gmt":"2024-10-22T15:40:41","slug":"where-will-you-live-in-retirement-four-things-to-consider-when-aging-in-place","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/where-will-you-live-in-retirement-four-things-to-consider-when-aging-in-place","title":{"rendered":"Where will you live in retirement? Four things to consider when aging in place"},"content":{"rendered":"\n

Aging is a topic we tend to avoid. Culturally, it’s a conversation that’s tip-toed around by families who don’t want to think about\u2014or plan for\u2014when loved ones head into retirement or beyond.<\/p>\n\n\n\n

But, the COVID-19 pandemic has shone a spotlight on how\u2014and where\u2014Canadians are aging.<\/p>\n\n\n\n

A recent <\/span>survey<\/a> <\/span>by the National Institute on Ageing and TELUS Health found nearly 100 percent of Canadians 65 years of age and older say they’ll do whatever they can to age at home. But nearly a third (30 percent) of that same group say they don’t feel prepared\u2014especially in the event of a medical emergency.<\/p>\n\n\n\n

Michael Nicin, executive director of the NIA, calls it an \u201cawakening amongst Canadians\u201d and explains the time is now to make plans and have conversations with their families about what aging at home could look like. \u201dThere’s no doubt people are starting to take it much more seriously than they ever have.\u201d<\/p>\n\n\n\n

Bonnie-Jeanne MacDonald, actuary and director of financial security at the NIA, explains that \u201cwhen it comes to retirement planning, we know that Canadians want to sustain their living standards as they move into retirement, and we also know that they want to age independently in their own homes. This is why retiring Canadians need to think through the long-term implications of their financial decisions \u2013 including how these decisions will support their goals decades from now.\u201d<\/p>\n\n\n\n

Having the conversation about what aging at home could look like is a start, says Howard Kabot, vice president of financial planning at RBC Wealth Management. But, it’s also important to have a plan that addresses major costs, like housing and managing health concerns while spending the golden days of retirement at home.<\/p>\n\n\n\n

1. Plan for the unexpected<\/h4>\n\n\n\n

\u201cA good financial plan will properly address the risks that exist,\u201d says Kabot. Insurance may form part of the solution\u2013from critical care and disability to property insurance. \u201c[But another] part of it is trying to help clients understand the impact of growing older and what that could mean in terms of how they’re going to conduct their lives.\u201d<\/p>\n\n\n\n

The considerations are broad. \u201cOn the positive, it’s all about how they’re going to enjoy their retirement years and spend their money,\u201d says Kabot. But aging at home also calls on older Canadians to consider where home is. Maybe a vacation home somewhere warm sounds enticing. But, how important is proximity to family? And what about access to transit or necessities\u2014the sorts of things that are hard to access should you stop driving. \u201cIf there’s a medical issue, then obviously family can be a really important part of the support.\u201d<\/p>\n\n\n\n

He points to a personal experience with a family member facing extreme illness, where estimated annual expenses were around $170,000 for 24-hour care. It’s a devastating prospect, says Kabot. \u201cAnd there’s only so much in the way of government resources.\u201d He admits it’s the worst-case scenario, but one that illuminates the importance of having a financial plan in place and family nearby.<\/p>\n\n\n\n

Leanne Kaufman<\/a>, president and CEO of RBC Royal Trust, agrees that planning for the unexpected is crucial to ensuring peace of mind in your later years. \u201cWhile family can help with managing your healthcare needs, consider a corporate attorney for property to manage your financial needs in the case of incapacity,\u201d says Kaufman.<\/p>\n\n\n\n

2. Cost of ownership<\/h4>\n\n\n\n

There are also considerations surrounding your actual home.<\/p>\n\n\n\n

\u201cConventional and longstanding financial planning wisdom advises retiring Canadians to ensure their level of secure income (from CPP, OAS, workplace DB pension plans and annuities) is high enough to cover essential expenses such as housing, food and utilities,\u201d says MacDonald. \u201cThis would enable Canadians to sustain their living standards into later life despite the ups and downs of the financial market.\u201d<\/p>\n\n\n\n

Just one or two generations ago, many Canadians owned their own home when they entered retirement, says Nicin. But that’s shifted, he explains, and fewer Canadians are retiring mortgage-free.<\/p>\n\n\n\n

\u201cOn average, the median personal savings of Canadians heading into retirement is about $160,000 total,\u201d adds Nicin. It’s enough to cover the basics when you add government support programs and the Canada Pension Plan, but what about replacing a roof or leaky windows, and the unexpected costs that come with homeownership?<\/p>\n\n\n\n

\u201cIf you want to age at home, then you’ve got to understand that the expenses may be heavy,\u201d says Kabot. It’s something your financial advisor can model within a detailed financial plan, but the point is being prepared. He says if it’s going to put a strain on your living income in retirement, it’s better to know that now.<\/p>\n\n\n\n

3. Understand the alternatives<\/h4>\n\n\n\n

Nicin is quick to point out that seeing aging in the home as an either\/or scenario does a disservice to the realities of getting older. \u201cThere’s a spectrum of needs,\u201d says Nicin. \u201cIn Canada, the most technical definition of long-term care is nursing homes, but if you look at international models\u2014countries that have approached this subject much better\u2014their definition of long-term care represents the spectrum of housing and care options.\u201d<\/p>\n\n\n\n

There are plenty of options that exist in Canada, like leisure (or lifestyle) oriented retirement communities or micro-communities and naturally occurring retirement communities. These options are worth exploring when you start getting that \u201cempty nester\u201d feeling or itch to downsize. Among the companionship that comes with living close to peers in one of these communities, the homeowner’s association costs can sometimes include things like external maintenance, says Nicin. \u201cSo at least you don’t have to worry about it.\u201d<\/p>\n\n\n\n

4. Start the conversation with loved ones<\/h4>\n\n\n\n

The point, says Nicin, is that aging at home doesn’t have to look one way. For all the considerations, there are also options. \u201cI think for a lot of people, the important aspect is really taking the agency to say ‘I’m in control of my life,’\u201d says Nicin. \u201cAnd long-term care, nursing homes, are absolutely necessary components of this spectrum.\u201d<\/p>\n\n\n\n

It’s a part of the journey of aging, he says. It’s a progression. \u201cMost people don’t go straight from their home into a long-term care home,\u201d says Nicin. \u201cBut I think the people who probably feel the best about how they plan to do this are taking necessary steps incrementally to make sure each stage of their life is managed with regard to where they live.\u201d<\/p>\n\n\n\n

\u201cWe’ve seen first hand the after-effects of poor planning,\u201d adds Kaufman. \u201cWhile income is a key driver to address your needs during your lifetime, ensuring the fundamental planning is in place and supported by proper power of attorney appointments and Will planning will better protect you and your loved ones.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

Planning for the unexpected is crucial to ensuring peace of mind in your later years.<\/p>\n","protected":false},"author":15,"featured_media":21678,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[93],"tags":[37,735,35,101],"rbcwm_content_owner":[609],"rbcwm_need":[83,84],"rbcwm_segment":[66],"rbcwm_solution":[82],"rbcwm_topic":[94],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-2642","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement","tag-aging","tag-aging-canadians","tag-eldercare","tag-retirement-planning","rbcwm_content_owner-royal-trust","rbcwm_need-live","rbcwm_need-protect","rbcwm_segment-individuals-and-families","rbcwm_solution-wealth-planning","rbcwm_topic-your-wealth"],"acf":{"rbcwm_subtitle":"The time is now to make plans and have conversations with families about what aging at home could look like.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":[],"disclaimer_footnote":""},"rbcwm_insight_cta_id":[11937],"rbcwm_pagination":{"next_link":"","next_link_text":"","previous_link":"","previous_link_text":""},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"\nWhere will you live in retirement? 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