LAS CRUCES ' NEW MEXICO
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• Among the top-ranked retirement cities • Over 300 days of sunshine annually • 70-degree average yearly temperature • Adjacent to many National Monuments • Top military bases within an hour’s drive • Limitless golf, tennis, and outdoor living
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FALL 2016 Retirement Guide T 80 MILITARY OFFICER SEPTEMBER 2016
But making such a move can be confusing: Evaluating entry prices, monthly fees, and the services of- fered can be like comparing apples to oranges. Not all retirees want to make that kind of challenging deci- sion for a long-term financial com- mitment, and many opt to stay in their homes as long as possible. Retired Navy officer Dick Teisher and his wife lived in a CCRC with locations all over the U.S. that pro- vided a type of time-share arrange- ment when the couple wanted to travel and offered hospice services when his wife became ill. But when she passed away, Teisher moved to a retirement community with levels of nonmedical care, including inde- pendent living, assisted living, and memory care. Like almost all retire- ment facilities, it required a rental agreement and move-in fee (in his case, about $5,000, much less than the buy-in for a CCRC, some of which can require up to $500,000) and monthly payments that vary ac- cording to housing size and levels of care, if needed.
The downsizing that precedes such a move requires forethought and quite a bit of time and effort.
For Teisher, being in a retirement facility is more necessity than prefer- ence. “I’m in my 90s, and if I were
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