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You’ve retired. Should you downsize?

As a retiree, you may be thinking about simplifying your life — and that often includes downsizing. If your home has appreciated over the years, selling it will provide a nice financial boost. Many of our clients are sold on the fact that downsizing will allow them to cut down on expenses and be more financially flexible.

This is a common conversation especially these days with market volatility and the economy in flux. Kiplinger is out with some things to consider before you downsize.

💰 Why Downsizing Might Make Sense

  • Housing is your biggest expense: In 2022, Americans aged 65+ spent an average of $20,362 a year on housing — that’s about 35% of their income.
  • Rising cost burden: The number of older adults spending more than half their income on housing has nearly doubled in 20 years.
  • Your equity can work for you: Homeowners 65 and older had a median home equity of $250,000 in 2022. Downsizing could free up that money for travel, healthcare, or everyday needs.

While downsizing might look good on paper, it’s a personal decision that will affect more than your finances.

>Emotional ties – Selling the home where you raised your family can be tough and many miss the comfort and familiarity of a well-loved space.
>Community Connections – 75% of adults 50+ say they want to stay in their current homes as they age. 73% hope to remain in their communities — and that social connection matters.
>Unexpected Costs – New homes come with unknowns — and possibly pricey repairs or HOA fees. Some condos and townhomes have high monthly costs that eat into your savings.
> The Mortgage Factor – Many retirees have paid off their homes or locked in low interest rates. With today’s rates hovering near 7%, buying a new place could be more expensive than expected.

Some things to consider before downsizing. Do you want a fresh start in a smaller space? Will moving disrupt your social life and hobbies? Will moving really save you money? Does it make more sense to age in place with some home modifications?

For many, downsizing can be a great way to cut costs and simplify — but it’s not the only path to a secure retirement. Whether you decide to stay or go, make the choice that fits your lifestyle, health needs, and personal happiness. Click here to read the full article from Kiplinger.

Still exploring your options? Reach out to Atlanta Seniors Real Estate if you’d like to talk about it.

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The “Die with Zero” Rule and Financial Planning

Working with seniors and their families, I always hear people struggling with how much they should spend on relocation or anything else because the overwhelming concern is saving enough to take care of themselves in the late years.

I think that’s why the “Die with Zero” Rule is so interesting.

A recent Kiplinger article points out that over the next two decades, an estimated $90 trillion will pass from older generations to heirs. But hedge fund manager Bill Perkins argues that what’s really being left behind isn’t just money—it’s trillions in unlived experiences.

In his book Die with Zero, he suggests that people should maximize life experiences while they can still enjoy them. While many retirees hesitate to spend their savings risking eventually running out of money, Perkins believes this mindset causes people to miss out on life. His philosophy is simple: Spend money intentionally—on yourself, loved ones, or charity—while you’re alive to create meaningful experiences.

With the “Die with Zero” philosophy, the key is balancing health, time, and money at different life stages:

  • In youth: You have time and health but little money.
  • In middle age: You have money and health but less free time.
  • In later years: You have time and money but declining health.

By recognizing this balance, you can prioritize experiences at the right moments. Of course, “Die with Zero” isn’t a one-size-fits-all rule. Many Americans struggle just to save for retirement, making this strategy more feasible for those with substantial savings. There’s also the risk of outliving your money or facing unexpected expenses.

That’s why balance is key. Financial planning can help ensure you don’t overspend too soon or leave too much behind unused.

As the saying goes, “You don’t want to be the richest person in the graveyard.”

>>Click here to read the full article.

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Selling Your Home & Your Social Security

For many retirees, Social Security benefits are a critical part of their financial stability. However, many seniors I meet question whether certain financial decisions—like selling their home—will reduce or even eliminate their benefits.

If you’re a retiree considering selling your home, you should understand the relationship between selling your home and your Social Security payments. A Money Digest article does a great job of explaining possible impacts.

1.Selling a home will not impact standard Social Security retirement or survivor benefits.

      The Social Security Administration (SSA) has clear guidelines stating that selling a home will not typically impact your Social Security retirement or survivor benefits. These benefits are not based on assets or income levels, meaning that a one-time gain from selling your house will not disqualify you from receiving payments. Additionally, where you choose to live after selling your home has no effect on benefits.

      2. If you are under full retirement age and working, the earnings test may temporarily reduce benefits.

      An important note however, if you are below the normal retirement age and still working while collecting Social Security, your income could be subject to the retirement earnings test. If your income exceeds a certain threshold, a portion of your benefits could be temporarily withheld. The good news is that once you reach full retirement age, these withheld benefits will be recalculated and reimbursed over time.

      3. Selling a home could lead to taxable income, which might subject some of your Social Security benefits to taxes.

      While selling your home may not directly affect your Social Security payments, it may impact your tax situation. If your home sale results in significant capital gains, you may owe taxes on that gain. And if your taxable income—including Social Security benefits and home sale proceeds—is high enough, you may be required to pay taxes on up to 85% of your Social Security benefits.

      To minimize your tax burden, explore capital gains exclusions, which allow single homeowners to exclude up to $250,000 and married couples up to $500,000 of profit from taxation, provided they meet ownership and residency requirements.

      4. SSI recipients must be mindful of asset limits, as a home sale could disqualify them from receiving benefits.

      If you receive Supplemental Security Income (SSI), selling your home could impact your eligibility. Unlike Social Security retirement benefits, SSI is a needs-based program with strict income and asset limits. If the proceeds from selling your home push your total assets above $2,000 (for individuals) or $3,000 (for couples), you could lose your SSI benefits. However, the SSA provides a three-month window to reinvest in another home without losing eligibility. Additionally, SSI recipients have a 12-month period to spend down excess funds in a way that meets SSA requirements before they can reapply for benefits.

      If you’re planning to sell your home in retirement, consider consulting a financial advisor or tax professional to ensure you understand the implications and make the most of your assets while preserving your benefits. And, our team at Atlanta Seniors Real Estate is here to assist in any way we can.

      >>Read the Money Digest article in its entirety.

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      Why Many Seniors are Choosing Renting over Ownership

      Traditionally, homeownership has been seen as the ultimate goal for financial security and stability. However, an increasing number of senior citizens and retirees are opting to rent instead of own.

      There are many reasons driving this trend from financial flexibility to reduced maintenance responsibilities. Here are some of the reasons many of our senior clients prefer rent over owning later in life.

      1. Financial Flexibility and Predictability
        For many retirees, financial stability is key, and renting provides a level of predictability that homeownership does not. Mortgage payments, property taxes, homeowners insurance, and maintenance costs can be unpredictable, whereas rent is a fixed monthly expense. This financial consistency allows seniors to better budget their retirement income. Additionally, renting frees up capital that would otherwise be tied up in home equity. Many retirees choose to sell their homes and use the proceeds to bolster their savings, travel, or invest in other experiences.
      2. Reduced Maintenance and Repairs
        Owning a home comes with ongoing maintenance responsibilities, from mowing the lawn to fixing plumbing issues. As homeowners age, these tasks can become physically challenging and expensive if outsourced. Renting eliminates these concerns, as landlords or property management companies handle maintenance and repairs, allowing retirees to enjoy a worry-free lifestyle.
      3. Downsizing for Simplicity
        Many seniors find that their current homes are too large for their needs, especially after children have moved out. Renting provides an opportunity to downsize to a smaller, more manageable living space without the hassle of selling and buying properties. Smaller rental spaces often mean lower utility costs and less upkeep, making daily living more comfortable and cost-effective.
      4. Access to Amenities and Senior-Friendly Communities
        Many rental communities cater specifically to older adults, offering amenities such as fitness centers, social clubs, transportation services, and security features. These benefits allow retirees to enjoy an active and engaging lifestyle without the burdens of home maintenance. Some senior living apartments also provide assisted living options, which means residents can transition to higher levels of care as their needs change—all within the same community.
      5. Freedom to Relocate & Travel
        Retirement is a time of exploration for many, whether it’s moving closer to family, traveling, or experiencing different parts of the country. Renting provides the flexibility to relocate without the commitment of selling a home. This is particularly appealing for snowbirds—retirees who prefer to spend winters in warmer climates and summers elsewhere. Renting makes it easier to move between locations without the financial and logistical burden of homeownership.
      6. Market Uncertainty and Rising Property Costs
        The real estate market can be volatile, and owning a home comes with the risk of depreciation. Some seniors prefer to rent to avoid the unpredictability of property values, especially if they plan on moving within a few years. Additionally, rising property taxes and insurance premiums can make homeownership less appealing compared to the stability of renting.
      7. Avoiding Estate and Inheritance Complications
        Some retirees opt to rent to simplify their estate planning. Owning a home means making arrangements for its future sale or transfer to heirs, which can be complicated and sometimes costly. Renting eliminates this issue, ensuring a smoother transition for loved ones.

      As more seniors prioritize flexibility, convenience, and financial predictability, renting is becoming an increasingly attractive option. Whether it’s to downsize, eliminate maintenance responsibilities, or enjoy the freedom to relocate, renting offers retirees a lifestyle that supports their evolving needs.

      If you’re a senior considering selling your home and relocating, contact us to discuss the next steps that will align with your retirement vision.

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      Spring Cleaning Checklist for Seniors

      The unusually warm weather in the south recently has many starting to spring clean – declutter, organize, and refresh – their living space. A clean and orderly home not only promotes better health and safety but also brings peace of mind.

      Spring cleaning offers so many health benefits:

      • Reduces clutter: Minimizes fall risks and makes it easier to navigate the home.
      • Improves air quality: Removing dust, mold, and allergens promotes respiratory health.
      • Enhances mental well-being: A clean and tidy space can boost mood and reduce stress.
      • Increases safety: Checking for expired items and potential hazards can prevent accidents.

        Here are some senior spring-cleaning tips:
      1. Pace Yourself: Break tasks into small sections and spread them over several days.
      2. Enlist Help: Family members, friends, or professional cleaners can assist with heavy lifting and hard-to-reach areas.
      3. Declutter First: Remove items no longer needed before deep cleaning.
      4. Use Safe Cleaning Supplies: Opt for non-toxic, easy-to-use products to avoid harsh chemicals.
      5. Prioritize Safety: Ensure walkways are clear, rugs are secured, and grab bars are in place.

      Spring Cleaning Checklist

      General Cleaning

      ✅ Dust and wipe down surfaces (tables, shelves, countertops)
      ✅ Vacuum and mop floors
      ✅ Clean light switches, doorknobs, and handles
      ✅ Check and replace batteries in smoke and carbon monoxide detectors
      ✅ Wash curtains and clean blinds
      ✅ Declutter and organize common areas

      Kitchen

      ✅ Dispose of expired food and spices
      ✅ Wipe down cabinets and countertops
      ✅ Clean appliances (microwave, oven, refrigerator)
      ✅ Sanitize sink and garbage disposal
      ✅ Organize pantry and restock essentials

      Bathroom

      ✅ Toss expired medications and toiletries
      ✅ Scrub and disinfect sink, toilet, and shower
      ✅ Wash bath mats and shower curtains
      ✅ Check for leaks or mold buildup
      ✅ Ensure non-slip mats and grab bars are in place

      Bedroom

      ✅ Wash bedding, pillows, and mattress covers
      ✅ Rotate and flip mattress (if possible)
      ✅ Organize closet and donate unused clothing
      ✅ Clean and dust furniture
      ✅ Ensure nightlights are working for nighttime safety

      Living Room

      ✅ Dust electronics and remote controls
      ✅ Vacuum upholstery and under furniture
      ✅ Organize books, magazines, and newspapers
      ✅ Check for tripping hazards (cords, rugs, clutter)
      ✅ Open windows for fresh air circulation

      Outdoor Spaces (If Applicable)

      ✅ Sweep porch, patio, or balcony
      ✅ Clean outdoor furniture
      ✅ Trim overgrown plants or shrubs
      ✅ Check railings and steps for stability
      ✅ Ensure pathways are clear and well-lit

      Spring cleaning is a great opportunity for seniors to create a safer, more comfortable living space. Taking small steps, enlisting help, and prioritizing safety ensures a successful and stress-free cleaning process. It will also make it easier if, at some point in the future, you consider relocating.

      If you’re thinking of buying or selling, we’re here to help.
      >>Simply reach out to us for a consultation.

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      Key Real Estate Steps After Creating a Living Trust

      More and more people are creating living trusts – an estate planning strategy to ensure your assets, including your home, are protected and transferred smoothly to beneficiaries. However, once you’ve placed your home into a trust, there are crucial real estate-related steps you must take to ensure everything is legally sound.

      Here are some key actions to take after transferring your home into a living trust:

      1. Update Your Home Insurance Policy
        Your homeowner’s insurance policy needs to reflect the fact that your home is now owned by your trust. Contact your insurance provider to inform them of the change and update the policyholder’s name to include the trust. You may need to provide them with a copy of your trust document and the new deed. Ensuring your trust is properly listed can help prevent coverage issues in the event of a claim.
      2. Adjust Your Homestead Exemption
        Many states offer a homestead exemption that provides property tax relief but transferring your home to a trust can sometimes affect your eligibility. Check with your local tax assessor’s office to confirm whether your exemption remains intact and if any paperwork is required to maintain your benefits. Some states, like here in Georgia, may require you to reapply for the exemption under the trust’s name.
      3. Notify Your Mortgage Lender (If Applicable)
        If you have a mortgage on your home, your lender may have specific requirements regarding transferring the property into a trust. While federal law (the Garn-St. Germain Depository Institutions Act) generally allows you to transfer your primary residence into a revocable living trust without triggering a due-on-sale clause, it’s still a good idea to notify your lender and confirm their policies.
      4. Update Your Property Title and Deed
        Transferring your home into a trust involves executing a new deed that reflects the trust as the property owner. If you haven’t already done this during the trust setup process, consult a real estate attorney or title company to ensure the deed is properly recorded with the county.
      5. Review Your Title Insurance Policy
        Just like with your homeowner’s insurance, your title insurance policy should be updated to reflect the ownership change. Contact your title insurance company to verify that the policy still provides coverage after the transfer and make any necessary adjustments.
      6. Ensure Utilities and Property Tax Bills Are Addressed Correctly
        After transferring ownership to the trust, review your property tax bills, utility accounts, and other home-related services to confirm they reflect the correct owner name (your trust). While these bills can still be paid from your personal account, ensuring accurate records can prevent administrative issues down the road.
      7. Communicate With Beneficiaries
        Your trust should outline who will inherit your home, but it’s also wise to communicate your plans with your beneficiaries. Letting them know about the trust and how the property transfer process will work can help avoid confusion and conflicts later.
      8. Regularly Review and Update Your Trust
        Life circumstances change, and so do real estate laws. Periodically review your living trust to ensure it still aligns with your wishes and legal requirements. If you buy a new home or move to a different state, consult an estate planning attorney to determine if you need to make adjustments.

        Setting up a living trust for your home is a great way to simplify the inheritance process and protect your real estate assets. It’s essential to follow through with these post-trust setup steps to maintain legal clarity and financial benefits. Consult your estate planning attorney if you have questions about your living trust.

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      The 10 Cheapest Small Towns in America

      Looking for an affordable place to call home? Small-town living offers charm, community, and most importantly — lower costs. They can be magnets for seniors and retirees who want a slower paced and less stressful lifestyle.

      Kiplinger has rounded up the 10 cheapest small towns in the U.S. based on housing, groceries, transportation, healthcare, and other living expenses and 2 Georgia towns snagged spots on the list – Dalton and Dublin.

      1. Hutchinson, Kansas
        Cost of living: 12.4% below U.S. average
        This historic town is known for its salt mining industry and proximity to Wichita. With affordable housing and a low unemployment rate, it’s an ideal spot for budget-conscious residents.
      2. Dalton, Georgia
        Cost of living: 12.4% below U.S. average
        Dubbed the “Carpet Capital of the World,” Dalton boasts a thriving manufacturing industry, historic sites, and a cost of living nearly 13% below the national average.
      3. Morristown, Tennessee
        Cost of living: 12.6% below U.S. average
        Nestled in the Appalachian Ridge, Morristown is known for its outdoor recreation, affordable housing, and low taxes, making it a top pick for retirees.
      4. Dublin, Georgia
        Cost of living: 12.9% below U.S. average
        Halfway between Atlanta and Savannah, this small town offers low-cost housing and a tax-friendly environment, making it attractive for families and retirees alike.
      5. Muskogee, Oklahoma
        Cost of living: 16.1% below U.S. average
        This historic town is home to museums, music heritage, and a VA medical center, all while maintaining a cost of living well below the national average.
      6. Salina, Kansas
        Cost of living: 17.1% below U.S. average
        A hub for manufacturing and healthcare, Salina offers budget-friendly housing and a steady job market.
      7. Ponca City, Oklahoma
        Cost of living: 17.3% below U.S. average
        Founded during the Oklahoma Land Rush, Ponca City’s housing prices are significantly lower than the national average, but it does sit in the heart of Tornado Alley.
      8. Richmond, Indiana
        Cost of living: 17.4% below U.S. average
        A hidden gem with rich jazz history, Richmond offers ultra-low housing costs and a vibrant college town atmosphere.
      9. Pittsburg, Kansas
        Cost of living: 17.8% below U.S. average
        Home to Pittsburg State University, this former coal town is an affordable option for students and families looking for lower housing and living costs.
      10. Harlingen, Texas
        Cost of living: 18.2% below U.S. average
        Located near the Mexico border, Harlingen offers one of the most affordable lifestyles in the U.S., with cheap housing, low taxes, and warm weather year-round.

      Moving to a small town can save you thousands per year, but it’s essential to consider things like job opportunities, amenities, community services, and lifestyle before making a move. Whether you’re looking for lower housing costs, a tight-knit community, or a slower pace of life, these budget-friendly towns offer something for everyone.

      Want to explore small town locations around east Atlanta? Reach out to us and see how we can help.

      >>Click here to read the full article from Kiplinger.

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      Baby Boomers are Staying Put

      As we kick off 2025, the housing market is witnessing a significant shift among Baby Boomers. Unlike past generations who downsized or relocated to new areas during retirement, many Boomers are choosing to stay put in their current homes. However, for those who are moving, downsizing remains the primary motivation.

      Why They Are Staying Put

      For years, the housing industry anticipated a wave of home sales as Baby Boomers transitioned into retirement. Yet, this expected surge has largely not materialized. Several factors contribute to Boomers staying in their homes longer than previous generations:

      1. Emotional Attachment: Homes are filled with decades of memories and hold sentimental value, making it difficult for many to leave.
      2. Favorable Mortgage Rates: Many Boomers secured low mortgage rates years ago, making it financially advantageous to stay rather than purchase a new home at today’s higher rates.
      3. Aging in Place: Advances in home modifications and in-home care allow Boomers to age comfortably and safely within their existing residences.

      Downsizing as the Primary Reason for Moving

      While a large portion of Boomers are staying put, those who are moving cite downsizing as their main reason. Downsizing offers several benefits, including reduced maintenance, lower utility costs, and the ability to tap into home equity. However, the process isn’t without challenges:

      • Lack of Suitable Options: Many Baby Boomers struggle to find smaller homes in their desired locations that meet their lifestyle and budget needs.
      • Competition with Younger Buyers: Smaller homes are highly sought after by younger generations, leading to bidding wars that can complicate the downsizing process.
      • Emotional Hurdles: Letting go of a long-time home filled with memories is never easy.

      Implications for the Housing Market

      The decision of many Boomers to stay in their homes contributes to the ongoing inventory shortage in the housing market. Younger buyers, particularly Millennials, face increased competition and rising prices due to fewer homes being listed for sale. On the other hand, the emphasis on downsizing among Boomers could spur demand for smaller, low-maintenance properties, driving developers to prioritize this segment in the coming years.

      Looking Ahead

      As we move into 2025, the Baby Boomer generation continues to redefine retirement living. Whether staying put or downsizing, their choices have far-reaching implications for the housing market. For those navigating these transitions, understanding the motivations and challenges unique to this group is key to making informed decisions.

      Are you ready to explore relocating? Contact us for a consultation. We’re here to help.

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      How Georgia is Attracting Seniors & Retirees

      Seniors and retirees have long sought retirement destinations in the south largely because of the milder weather but there are so many other great benefits for seniors. Grace Zhu from TheStreet.com recently looked at some of the local and state tax benefits that are luring seniors to the Peach State.

      • Flat Tax Rate:
        Georgia moved to a flat tax rate of 5.39% as of April 2024. Potential annual reductions could bring it down to 4.99% by 2028.
      • Social Security and Medicare Benefits:
        Exempt from Georgia state income tax, allowing retirees to retain more of their benefits.
      • Pension Income Deductions:
        • Retirees aged 62-64 can deduct up to $35,000.
        • Retirees aged 65 and older can deduct up to $65,000 from pension income.
      • Increased Exemptions:
        • Personal exemption raised to $12,000 for singles and $18,500 for married couples.
        • Dependent allowance increased to $4,000 per child.
      • Investment Income:
        No special tax treatment; interest, dividends, and capital gains are taxed at 5.39%.
      • Capital Gains Exclusion on Primary Residence:
        • Up to $250,000 for singles.
        • Up to $500,000 for married filers.
      • 529 College Savings Plan:
        • Contributions are tax-deductible up to $4,000 for singles and $8,000 for joint filers.
        • Contributions can be made until the tax filing deadline in April.
      • Retirement Account Distributions:
        401(k), 403(b), and IRA distributions are taxed at the state level but enjoy deductions similar to pensions.
      • Military Retirement Exemption:
        • Military retirees aged 62+ can adjust their state tax returns.
        • Those under 62 can exclude $17,500 of military retirement income, plus another $17,500 if they have over $17,500 in earned income.
      • Property Tax Relief:
        • Property assessed at 40% of fair market value, with possible local homestead exemptions.
        • Exemptions available for seniors, including a school tax exemption at age 62 and additional $4,000 exemptions at age 65.
      • No State Estate or Gift Tax:
        Georgia has no estate, inheritance, or gift tax, aiding in estate planning.

      For a smooth transition into retirement in Georgia, consider these tax benefits and exemptions that could help maximize your income and savings.

      >>Click here to read the full article on TheStreet.com or contact us at Atlanta Seniors Real Estate if you have any questions.

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      Is November a Good Time to Sell Your Home in Georgia?

      If you’re thinking about selling your home in Georgia, you might wonder if November is a good time. While spring and summer are typically peak seasons for real estate, November can still be a great month to sell. Here’s why.

      1. Serious Buyers – In November, the buyers out there tend to be serious. These are people who need to move before the holidays or the end of the year. They’re motivated, which can lead to quicker sales.
      2. Less Competition – Many sellers wait until spring to list their homes, so there’s less competition in November. With fewer homes on the market, your property has a better chance to stand out.
      3. Fall Curb Appeal – Georgia’s beautiful fall foliage can give your home a cozy, inviting look. With some seasonal décor, you can boost your home’s curb appeal and attract potential buyers.
      4. Year-End Tax Benefits – Some buyers may be looking for year-end tax benefits, like deductions from mortgage interest or property taxes, which can motivate them to close on a house before the new year.
      5. Mild Weather – Georgia’s weather in November is mild and pleasant, making it easier for buyers to view homes compared to harsher winter months.

        Bottom Line: While spring is still the busiest time for real estate, selling in November in Georgia has its perks. With motivated buyers, less competition, and fall curb appeal, it could be the perfect time to list your home!

      Thinking about selling? November might be your month. 🌟 Contact us today to discuss what’s right for your family.

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      Seniors are Redefining Life Transitions

      Working with seniors today is more fun than ever before. My clients, whether in their 80s, 90s or even 100, lead lives of passion and purpose. They take care of themselves, volunteer or are involved in clubs and church, and when it comes to their living arrangement, they simply want to be where life is easier, less complicated, and loved ones are nearby or accessible.

      A recent blog I read from senior relocation specialist firm Caring Transitions had some interesting stats about seniors. For example, the US Census Bureau finds that people over 85 are now more likely to move homes than younger seniors.

      • 85+ years: 8.4% moved
      • 75-84 years: 6% moved
      • 65-74 years: 5.9% moved

        Note, research found that nearly 60% of older adults who moved to a new state relocated to a completely different region.

      Why are seniors relocating? Top reasons include desire to be in a warmer climate, closer to family, they want homes tailored to their healthcare needs and places providing economic advantages.

      The downside? 83% of people report that moving is stressful – not a shocking statistic but certainly one that gives people pause when considering a relocation. Luckily there are businesses, like Caring Transitions, that specialize in reducing the stress associated with relocation. Contact us for a list of other senior-related resources if you need them.

      >>Read more from Caring Transitions of Northeast Atlanta.

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      The Silver Tsunami

      It’s starting to show up in articles and in the news but what exactly is the Silver Tsunami?

      “Silver Tsunami” is a term used to describe the demographic shift that is occurring as the baby boomers—those born between 1946 and 1964—age. This aging of this large generation is creating both opportunities and challenges for society.

      It will have a profound impact on things such as:

      • Health care & long-term care costs
      • Social Security strains
      • Workforce shifts
      • Transfer of wealth

      The Silver Tsunami will also have an impact on real estate. Baby Boomers are aging out of their homes and downsizing. As a result, many of their homes will hit the real estate market.

      For homebuyers, the anticipated influx of homes could significantly affect housing supply. Since baby boomers are often looking to downsize and not buy another home after selling, the market may see more available properties, helping to balance supply and demand. This could ease competition for younger buyers, stabilizing home prices and creating more affordable opportunities for those looking to buy.

      While the full effects of the Silver Tsunami may take several years to unfold, it’s expected to gradually increase housing inventory, which could help address the current shortage.

      Want to know more, contact us here at Atlanta Seniors Real Estate. We’re happy to answer any questions you may have.

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      Why baby boomers are house poor.

      There are more than 72 million baby boomers in the United States. Many of these boomers find themselves in a challenging financial position — they are “house poor.”

      House poor means they spend so much on their home that they struggle to afford other essentials, such as daily expenses, healthcare, and leisure activities. The general rule of thumb is that housing costs shouldn’t exceed 30% of one’s income. However, for those who are house poor, these costs are often much higher.

      So, why are baby boomers specifically becoming house poor? A recent article on GoBankingRates.com explains some of the key reasons.

      1. Resisting Downsizing

      Many baby boomers have seen their homes appreciate significantly over the years and have developed a strong emotional attachment to them. In my experience, that along with the daunting task of cleaning out to downsize prevents many from making a move when it might be the best option.

      2. Refinancing Instead of Paying Off the Mortgage

      Another trend affecting baby boomers is their choice to refinance rather than pay off their mortgages. While refinancing can offer short-term financial relief or extra cash, it often leads to more debt over time and fewer resources to help one enjoy late life.

      3. Reluctance to Rent Out Part of Their Home

      Renting out a portion of a home can be an excellent way to offset costs. However, many baby boomers are reluctant to consider this option. For those struggling with home-related expenses, it can help make the home more affordable.

      4. Dipping Into Savings to Keep the House

      Many baby boomers dip into their savings to cover home-related expenses, which can be risky. I advise clients to consult with their financial advisor to determine whether the home is “affordable.” Seniors can also explore a reverse mortgage.

      Finding a Solution: Assessing Your Options

      To avoid becoming house poor, assess your financial situation and consider all available options. Ultimately, it’s about making sure the home works for retirement—not the other way around.

      Consulting with a financial advisor can provide valuable guidance tailored to individual circumstances, ensuring a stable and enjoyable retirement. And, if you’re considering a move, contact us to help you get started.

      >>Click here to read the GoBankingRates.com article in its entirety.

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      The cost of aging in place.

      Although my work involves helping seniors downsize and relocate, I do receive a lot of questions from seniors who are exploring whether to “age in place” rather than endure the inevitable stress of a move.

      Aging in place simply means you’ve chosen to remain in your family home – perhaps making some changes to accommodate physical limitation. People feel comfortable with familiarity, and it provides a sense of independence.

      According to AARP, 77% of adults aged 50 and older prefer to stay in their homes.

      Samara Scheckler from Harvard’s Joint Center for Housing Studies points out that while many seniors want to remain at home for independence, 70% will need some form of assistance to do it. This assistance ranges from daily activities to more advanced care, often requiring economic resources that may be out of reach.

      A recent article looked at how much money seniors really need to age in place.

      The cost of in-home care is a significant factor. MarketWatch reports that the average cost of a home-care aide is $27 an hour, and Genworth’s Cost of Care report shows that these costs are on the rise. A home health aide now costs a median of $61,776 annually, while homemaker services cost about $59,488 per year.

      Additional Home Modifications

      Beyond direct care costs, seniors may need to make modifications to their homes to ensure safety and accessibility. This could include installing ramps, grab bars, or other mobility-enhancing updates, adding to the financial burden.

      Financial Reality

      Given these expenses, only 14% of single individuals aged 75 and older can afford a daily visit from a caregiver, according to MarketWatch. While the desire to age in place is strong, it’s crucial for seniors and their families to plan and consider all associated costs and necessary modifications.

      Aging in place offers comfort and familiarity but requires careful planning and resources to ensure safety and well-being. As this trend grows, it’s essential to address these challenges to help more seniors live independently at home.

      >>Read the full article on how much it costs to age in place.

      >>Discover how technology is helping more seniors age in place.

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      Why seniors need an SRES to buy or sell real estate.

      Navigating the real estate market can be overwhelming. It’s even more daunting when you’re a senior with entirely different factors to consider from when you were younger.

      A designated Senior Real Estate Specialist (SRES®) is trained to manage the needs of older adults and guide them through every step of the real estate process.

      Here’s why working with an SRES® like us here at Atlanta Seniors Real Estate makes a significant difference.

      1. Specialized Expertise: SRES® designees undergo special training to address the unique needs and challenges seniors face in real estate transactions.
      2. Customized Solutions: From creating a personalized marketing plan to ensuring your new home meets your current and, importantly, your future needs. A SRES® will tailor the approach to fit your situation and needs.
      3. Financial Guidance: SRES® designees are well-versed in the financial aspects of real estate transactions for seniors, including reverse mortgages, retirement accounts, and more. We’re able to help you make informed decisions that align with your financial goals.
      4. Extensive Network: An SRES® can connect you with trusted professionals in their network, including movers, attorneys, and home inspectors, to provide support throughout the process.

      We’re pleased that here In Georgia, SRES Hilary Walker is widely recognized for her expertise and compassion in assisting seniors and their families with real estate transitions. Contact her to ask questions or take the next step towards a smooth and stress-free move.

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      Guide to Selling in 2024

      Senior Real Estate

      It’s the question we get all the time — “When is the best time of year to sell our house?”

      According to a recent report from Realtor.com, sellers eyeing a 2024 sale won’t want to miss out on the upcoming sweet spot in the market — this spring is it. Why?

      • Less Competition
        Expect 40% less inventory compared to pre-pandemic levels, giving sellers a competitive edge.
      • More Interested Buyers
        With 22.8% more buyer views per listing, sellers can anticipate heightened interest in their properties.
      • Quick Sales
        Homes are projected to sell 17% faster during this week, thanks to favorable market conditions.
      • Higher Prices
        Listing prices are $34,000 higher than at the start of 2024, providing sellers with potentially higher returns.
      • Fewer Price Reductions
        With 24.6% fewer homes featuring price reductions, sellers can maintain their asking prices more effectively.

        For sellers looking to capitalize on this opportune moment, preparation is key. Start by considering these essential steps:

        1. Curb Appeal – spruce up the property’s exterior
        2. Professional Guidance – begin discussions with your real estate agent
        3. Price Strategy – your realtor will help you right price your home to sell

        It’s true that many people don’t want to sell because they are worried about higher mortgage rates but this is a great opportunity for seniors who are often looking at downsizing and have flexibility in where they live. They’re not tied to a local school or being close to the office. And many of our clients, are very open to renting.

        >>Read more on this subject from Kiplinger.

        If you or a retired family member is considering selling, contact us to learn how real estate transactions involving seniors are unique and there are different factors to take into consideration. Schedule a consultation with us today.

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        Why people love Silver Summit Condominiums

        Older adults looking to downsize and relocate to be closer to their adult children are finding
        places like Silver Summit Condominiums in Conyers, GA very appealing. Having worked
        within this active adult community since 2017 as the Seniors Real Estate Specialist for retirees, I have a good take on why it’s an excellent housing option.

        1. Purpose-Designed Homes
          Silver Summit homes are thoughtfully designed for aging in place. Everything on one level,
          spacious and open for varying types of mobility, minimum of 2 bedrooms and 2 baths, lots of storage space and a two-car garage for the convenience of getting out of your car and entering your kitchen which most retirees love. The added bonus for most of the units in Silver Summit is the beautiful bright sunroom. Most units have modern features while some could use an upgrade from when most of them were built in 2006/7. There are 8 units that were built in 2018 that feature more update finishings, such as smart-tech for the HVAC controls, alarm system, and appliances. The accessible level counters, roll-in shower and stepless entrances are some of obvious universal design features.
        2. Well maintained Amenities
          Silver Summit offers a range of amenities that cater to an active lifestyle. A welcoming
          clubhouse space for homeowner meetings, socializing and community events. The pool is perfect for relaxation and staying fit or enjoying with the grandkids on their rare visits. There is also an exercise room kitted out with ellipticals, treadmill, weights and mats, ideal for maintaining physical health without having to leave the community. The community is designed around one street in and out, which has become the ideal walking track for some residents.
        3. Low Maintenance Living
          No more weekend chores unless you are tending to your patio plants! The exterior maintenance of homes in Silver Summit is handled by the HOA. No more mowing, painting, or roof repairs. Designed with older adults in mind, these single-story homes prioritize convenience and comfort, all you have to be concerned with is the interior of the home. The HOA fee will cover all exterior features and amenities as well as water, sewer, trash, termite and fire sprinkler maintenance.
        4. Lower Property Taxes
          Property taxes in active adult communities tend to be significantly lower than those in traditional neighborhoods but also due to the homestead exemption that is given to residents who qualify with age and other status that each county offers.
        5. Convenient Location
          The convenience of being able to walk to Shopping & Dining within 5-10 minutes attracts many who live at Silver Summit. A short drive allows for visits to the new Salem Gate shopping complex, or Ga 20 toward Publix and Target or just across the street for Kroger. Everything including clinics, hospital, gas stations and hotels are within easy reach.
        6. Safety and Security
          Active adult communities prioritize safety. Residents can feel secure in a well-maintained
          environment that has a camera monitor for the entrance of the community and sometimes sees our local police showing their presence. The sense of community fosters watchfulness and support among neighbors.
        7. Vibrant Social Life
          Silver Summit residents come together to encouraged socialization through organized trips, classes, and special interest groups. Regular newsletter updates invite all residents to engage and make friends with fellow residents who share similar life stages and interests.
        8. Health and Well-Being
          While there is not specific health care service affiliated to the community, the community’s
          amenities promote physical activity and engagement, and residents share information with each other about services that can benefit their well-being needs.

          Silver Summit Condominiums offer a blend of comfort, community, and
          convenience. Whether you’re a retiree seeking an active lifestyle or an adult child researching options for your parents, Silver Summit is a place to call home.

          Don’t Wait Until Retirement!

          If retirement is on the horizon, consider the benefits of active adult living now. I can’t tell you how many people wished they had made the move earlier. The stories from our clients are endless when it comes to how their lifestyle was enhanced by moving to an active adult
          community.

          For more information, visit the official website or contact Hilary Walker at 678.609.8019 or
          email hilary@atlantaseniorsrealestate.com. You can also use the button below to search for homes. Select Master on Main to narrow the search for active adult and senior living properties. You can contact us to discussion options and receive a unique link for your active adult home search in any area.
        Search Homes Here
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        Your Relocation Checklist

        With years under my belt as a real estate agent, one thing that I know for certain is that moving is exhausting. Clients often feel overwhelmed just thinking about it.

        One of the best tools to help manage those feelings is a checklist. It helps you stay focused and organized.

        Smooth Mooove Senior Relocation Services shared a list with me recently that I’ll paste below. If you need assistance with moving, they’re a great resource and they offer a free estimate.

        The Moooving Checklist

        ☐ First assignment: Decide what to keep, sell, or giveaway.

        ☐ Sort through your belongings: Give heirlooms to children and relatives who have room for them. Create donation bins.

        ☐ Decide whether to move yourself or hire professionals. Make reservations with a moving company or truck rental company.

        ☐ If hiring a mover, call three companies for estimates, ensuring they are licensed, bonded, insured, and DOT registered. Inquire about their employment status (W-2 employees, 1099 contractors, or day labor).

        ☐ Gather packing supplies: Boxes, packing material, tape, felt markers, and scissors.

        ☐ Make travel arrangements if moving a long distance: Airline, hotel, and rental car agency.

        ☐ Save all moving receipts for potential tax deductions. Check the current tax code for requirements.

        ☐ Place legal, medical, financial, and insurance records in a safe and accessible place. Scan documents so you always have a backup.

        ☐ Purchase replacement coverage for valuables to be moved.

        ☐ Have antiques, art pieces, and other valuables appraised for insurance purposes.

        ☐ Begin decluttering: Start with the basement, attic, garage, and other non-used areas.

        ☐ Use up foods and cleaning supplies that cannot be moved.

        ☐ Change your address on USPS.com.

        This checklist is just a start. Companies like Smooth Mooove also provide moving supplies and other resources o just ask about things you’ll need to ensure yours is a smooth one.

        Need other resources as you prepare to relocate? Just reach out to us at Atlanta Seniors Real Estate. We’re happy to help.

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        How technology is helping seniors age in place.

        Studies show that 90 percent of adults over 65 prefer to age in place rather than relocate to a senior living community. The good news is that new technologies are making it easier to support independent living for seniors.

        One effective approach to enhancing livability is by incorporating universal design. It’s creating spaces that are accessible and functional for people of all ages and abilities. By adding features such as grab bars, widened doorways, and non-slip flooring, homes can be made safer and more accommodating for aging residents.

        Technology plays a crucial role in facilitating aging in place. There are four main categories of technology that can help seniors remain in their homes longer:

        1. Communication and Engagement: Tools like video calling platforms and social media can help older adults stay connected with friends and family, reducing feelings of isolation and loneliness.
        2. Health and Wellness: From wearable fitness trackers to remote monitoring devices, technology can support seniors in managing their health and maintaining independence. Medication reminders and telehealth services are also valuable resources.
        3. Learning and Contribution: Online learning platforms and digital volunteering opportunities empower older adults to continue learning and making meaningful contributions to their communities.
        4. Safety and Security: Smart home devices, such as motion-sensor lights and smart locks, enhance home security and provide peace of mind for seniors and caregivers. And devices can contact emergency services when needed.

        For caregivers supporting older adults, technology can streamline caregiving tasks and improve efficiency. From mobile apps for medication management to online resources for caregiver support, there are a variety of tools available to assist caregivers.

        Explore technology that can help with a senior aging at home and, importantly, remain open to the signs that you or a loved one may need to relocate for health and safety reasons. There could be a need for additional care and attention or a living space that is more manageable and designed specifically for aging residents.

        When it’s time to relocate, to sell a home and identify a new residence, reach out to a Senior Real Estate Specialist like Atlanta Seniors Real Estate to help guide you through the process.

        >>Visit www.seniorliving.com to learn more about technology and senior care.

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        How to Prep Your Home for Selling

        10 Things to do before you put the “for sale” sign in your yard.

        Senior Real Estate

        One of the first questions I get from clients is how to prepare their home to go on the market? It’s a topic that can overwhelm a homeowner who is making a real life change.

        Here are ten quick tips I give clients to give them the best chance of getting top dollar for their home.

        1. Declutter and Depersonalize: Declutter and depersonalize the house. Remove personal items (yes, all the family photos), excessive furniture, and unnecessary belongings. A clean and clutter-free space helps the buyer see themselves in the home.
        2. Deep Clean: A clean home is a marketable home. It shows the homeowner cares about home maintenance. Clean vents, fans, baseboards, windows and carpets. If you can’t do it yourself, it’s worth bringing someone in for a cleaning before we start showing the home to buyers.
        3. Make Necessary Repairs: Address issues that might deter potential buyers such as leaky faucets, squeaky doors, and holes in the wall.
        4. Refresh Paint and Finishes: A fresh coat of paint can work wonders in revitalizing your home’s appearance. Stick to neutral colors to appeal to a broader range of buyers and touch up areas that may have chipped paint.
        5. Enhance Curb Appeal: First impressions matter. Spruce up your home’s exterior by landscaping, mowing the lawn, and adding potted plants or flowers. Ensure that the front door and exterior are in top-notch condition to create a welcoming entryway.
        6. Stage Your Home: Arrange furniture to showcase the flow of each space and create a warm, inviting atmosphere. I often recommend a stager if that is what is needed to sell your home more quickly and at a higher price.
        7. Set the Right Price: I’ll research comparable home sales in the area to determine a competitive and realistic asking price. Overpricing your home can discourage potential buyers, while underpricing might leave money on the table.
        8. Create an Online Presence: I will also ensure my client’s home is advertised online and that there are photos to draw in prospective buyers.
        9. Gather Necessary Documents: Streamline the closing process by gathering important documents in advance. This includes property records, warranty information, and any relevant paperwork on recent improvements or repairs.
        10. Be Flexible and Open to Feedback: It’s also important that sellers be flexible with showings and listen to buyer feedback. Being adaptable can speed up the sale process.

        I remind sellers it’s important to detach from the home they’re selling and focus on what’s next for them. It’s tough especially for families who have lived in a home for decades, but it helps the process go more smoothly.

        Have questions about selling your home and looking for your next one? Reach out to us at Atlanta Seniors Real Estate – we’re here to help.

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        2024 Changes Affecting Senior’s Finances

        When families come to Atlanta Seniors Real Estate to discuss selling a home, buying a new home, or searching for a senior living or retirement community, one of the first discussions we have is about finances. That conversation will help guide decisions and illuminate the choices they have.

        2024 has brought with it financial changes that retirees will want to be aware of — changes in Medicare, Social Security, taxes, retirement plan contributions and more.

        AARP looks at some of the changes in a recent article which looks at the points below.

        1. Social Security – The cost-of-living adjustment will raise monthly payments by 3.2% and the average retirement benefit will climb nearly $60 a month. (read more about Social Security changes here)
        2. Medicare – Standard premiums for Medicare Part B are seeing a 6% increase to $174.70 a month and the annual deductible climbs to $240. (read more about Medicare changes here)
        3. Retirement Plans – The contribution limit went up $500 so seniors can now put up to $8,000 into an IRA for 2024 including a $1,000 catch-up contribution.
        4. Required Minimum Distributions – It used to be that Roth IRAs were not subject to the required yearly withdrawals while the owner is alive but now that exception will also apply to Roth 401(k) and 403(b) accounts. The age for RMDs went up to 73 last year.
        5. Standard Tax Deductions – If you or your spouse is 65 or older, he deduction for a single filer or head of household is up $1,000 from 2022 and up $200 for couples filing jointly.
        6. Full Retirement Age – The Social Security full retirement age has been gradually increasing and will reach 66 and 8 months later this year.

        >>Click here to read the article in its entirety on AARP.org.

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        How do you know when it’s time to downsize and relocate?

        Part of being a Senior Real Estate Specialist (SRES) is taking the time to truly understand a family’s needs before putting a plan in place. It’s so much more than just buying or selling a home – it’s considering whether the time is right to downsize and relocate to a smaller space. This process involves considering various factors related to a senior’s physical, emotional, and financial well-being.

        Here are 12 signs and considerations to help determine if it’s time to downsize that I often share with my clients:

        1. Physical Ability: If daily tasks become challenging due to mobility issues, health concerns, or the size of their current home, downsizing to a more manageable space might be beneficial.
        2. Maintenance and Upkeep: If the current home requires a lot of maintenance and upkeep that is becoming burdensome, downsizing to a smaller place with lower maintenance demands can be a wise choice.
        3. Financial Considerations: Evaluate if the cost of maintaining the current home (property taxes, utilities, repairs) is straining finances. Downsizing can help reduce monthly expenses.
        4. Emotional Well-being: If the senior is feeling isolated or overwhelmed in a large house, moving to a smaller, more social environment (such as a retirement community) could improve their emotional well-being.
        5. Safety Concerns: If the current home poses safety hazards (stairs, slippery floors, difficult-to-navigate spaces), moving to a safer, more accessible living situation might be necessary.
        6. Proximity to Family and Medical Care: Consider the proximity to family members, medical facilities, and services. Moving closer to these resources can provide peace of mind.
        7. Unused Space: If a significant portion of the current home is unused or underutilized, downsizing can help avoid wasting space.
        8. Future Planning: Think about the long-term needs of the senior loved one. A downsized home might be easier to manage as they age, and it could also be more suitable if they require assistance or care.
        9. Desire for a Lifestyle Change: Some seniors want to downsize to simplify their lives, reduce stress, and enjoy retirement without the responsibilities of a larger home.
        10. Sentimental Attachment: While emotional attachment to a home is valid, it’s important to consider whether sentimental value outweighs the practical benefits of downsizing.
        11. Decluttering: Downsizing often requires decluttering and letting go of possessions. If the senior citizen is open to this process, it can lead to a lighter, more organized lifestyle.
        12. Legal and Financial Considerations: Consult legal and financial experts to understand the implications of downsizing, such as selling a home, dealing with property taxes, and managing any inheritance or estate matters.

        Ultimately, the decision to downsize should be based on a combination of these factors, the individual’s preferences, and their unique circumstances. Involve the senior in the decision-making process and seek input from family members, friends, and professionals who can provide valuable insights and support.

        If you have questions or would like to discuss the process of exploring whether it’s time to downsize and relocate and how to get started, contact Atlanta Seniors Real Estate any time.

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        The easy way to enhance your curb appeal

        Whether you are planning to sell your home or you want to age in place and enjoy your home for years to come, flowers can alter the perception of a home. Vibrant blooms will enhance your curb appeal and draw prospective buyers to your house, or the blooms can simply create lasting joy for the homeowner.

        Consider landscaping with plants that will bloom year-round — it just requires a little planning but delivers a big return.

        A recent AARP article provides practical tips on how to make the most of your outdoor space including:

        • Contact your local extension service to get a soil test.
        • Make needed adjustments to the soil and evaluate the planting area.
        • Choose plants that will work best in your environment.
        • Consult the U.S. Department of Agriculture’ ‘s plant hardiness zone map.
        • Consider native plants that are essential to pollinators.

        Click here to read the full article with more tips for planting and maintaining your flower garden.

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        Consider aging in place with home modifications.

        Real estate agents sell houses and help people find houses but, on occasion, I’ve advised clients that their best move may be no move at all. If you love a home and are able to age in place, that may be your best option. I’ll be here to facilitate a sale or purchase when the time comes, but I am committed to always doing what’s best for my clients.

        Fortunately for all of us, there are a lot of wonderful organizations who are experts in helping families right-size and make adjustments needed so that seniors can safely age in place.

        Senior relocation company Caring Transitions created a brief guide to “Bringing Rightsizing and Age in Place Modifications Together.”

        (Posted with permission from Caring Transitions of Northeast Atlanta) As we age, it’s important to consider how our living space can support our changing needs. Aging in place home modifications can help seniors maintain their independence and stay in their homes for as long as possible. Combining these modifications with rightsizing, or downsizing to a more manageable living space, can create a safe and comfortable environment for seniors.

        1. Assess Your Home for Safety and Accessibility.
          Before making any modifications to your home, it’s important to assess your current living space for safety and accessibility. This includes identifying potential hazards such as loose rugs, uneven flooring, and narrow doorways. You should also consider the accessibility of your home, including the placement of light switches, electrical outlets, and other fixtures. By identifying potential safety and accessibility issues, you can create a plan for making the necessary modifications to your home to ensure a safe and comfortable living space for seniors.
        2. Prioritize Modifications Based on Needs and Budget.
          When it comes to combining rightsizing and aging in place home modifications, it’s important to prioritize modifications based on both needs and budget. Start by identifying the most critical modifications that need to be made to ensure safety and accessibility in the home. This may include installing grab bars in the bathroom, widening doorways, or adding a stairlift. Once these critical modifications have been made, you can then focus on making additional modifications that will enhance comfort and convenience. Remember to consider your budget when making modifications and look for cost-effective solutions that will still meet your needs.
        3. Consider Universal Design Principles.
          When combining rightsizing and aging in place home modifications, it’s important to consider universal design principles. Universal design is the concept of designing products and spaces that are accessible and usable by people of all ages and abilities. This means incorporating features like zero-step entrances, lever door handles, and adjustable height countertops. By incorporating universal design principles into your home modifications, you can create a space that is not only safe and comfortable for seniors, but also for visitors and family members of all ages and abilities.

        Work with a Professional to Ensure Quality and Safety.
        When it comes to combining rightsizing and aging in place home modifications, it’s important to work with a professional to ensure that the modifications are done safely and effectively. A professional can help you assess your home and determine which modifications are necessary to create a safe and comfortable living space for seniors. They can also ensure that the modifications are done in compliance with local building codes and regulations. Additionally, a professional can help you select the right products and materials to ensure that the modifications are of high quality and will last for years to come.

        As seniors age in place, it’s important to make modifications to their homes to ensure safety and comfort. Design for aging in place includes home modifications such as grab bars, non-slip flooring, and wider doorways. These modifications can help seniors maintain their independence and reduce the risk of falls.

        In addition to home modifications, age in place home care can provide assistance with daily tasks such as cooking, cleaning, and transportation. Rightsizing and aging in place together can also be beneficial, as it allows seniors to declutter and downsize their living space while still maintaining their independence. Caring Transitions offers professional guidance and support for these transitions, as well as assistance with estate planning and other services. By incorporating these strategies and seeking professional help when needed, seniors can age in place with peace of mind and improved quality of life.

        If you are interested in Caring Transitions for relocation or estate liquidation services, contact Mike DeLeon.