Dear Savvy Senior, What can you tell me about incentive trusts? I have two adult children that are financial disasters. Before I die, I want to put some type of requirements in place that they will need to follow in order to receive their portion of my estate. Otherwise, they’ll blow it all …

Dear Savvy Senior, How much does an average funeral and body burial cost? I need to make funeral arrangements for my aunt, who’s terminally ill, and would like to have a cost idea going in so I can plan and budget appropriately.

Dear Savvy Senior, What are the cheapest cellphone options available to seniors today who only want one for emergency purposes or occasional calls? I have a cellphone now that cost me $30 per month, but I hate paying for something I hardly ever use.

Dear Savvy Senior, My 79-year-old mother, who lives alone, has fallen several times over the past year. Are there any extra precautions we should take that can help prevent this?

Dear Savvy Senior, Does Medicare cover spouses who have not worked? I have worked all my life, but my spouse worked only for a few years when we first got married but then quit to take care of our children fulltime. Will she be eligible for Medicare?

Dear Savvy Senior, I just turned 62 and am financially prepared for retirement, but I’m less certain about how to spend my time after leaving work. Can you recommend some resources or tools that can help me with this? 

Dear Savvy Senior, Can you tell me how to go about replacing important lost documents?  My wife and I recently downsized to a retirement community, and somewhere in the move we lost our Social Security and Medicare cards, birth certificates, marriage license and passports.

Dear Savvy Senior, Can you offer any helpful tips for downsizing? My husband and I are interested in moving to a condo downtown when we retire, but we need to get rid of a lot of our personal possessions before we can move. We’ve lived in the same house for almost 35 years and have accumulat…

Dear Savvy Senior, I will turn 62 in a few months and am trying to decide when to start taking my Social Security retirement benefits. Almost everything I read on this topic tells me it’s better to wait until my full retirement age or beyond. Is there ever a good reason to start early?

Dear Savvy Senior, Are there any services that you know of that help families resolve caregiving conflicts? My mother – who just turned 82 – recently had a stroke, and to make matters worse, my two siblings and I have been perpetually arguing about how to handle her caregiving needs and finances.

Dear Savvy Senior, Can you offer any information on hospice care, how to choose a good provider, and whether Medicare covers it? My grandmother has terminal cancer and wants to die at home, if possible.

Dear Savvy Senior, I have struggled with some shortness of breath for the past five years or so. I just thought I was getting older and out of shape, but a friend recently mentioned I may have COPD.  What can you tell me about this?

Dear Savvy Senior, When my brother died last year, my sister and I had a regular funeral for him and got stuck with a $12,000 bill. Can you recommend some funeral cost cutting tips or cheaper alternatives? I don’t want to stick my kids with a big funeral bill after I’m gone.

Dear Savvy Senior, I need to find some help with selling my elderly mother’s house – where she’s lived for almost 50 years – and relocating her to an apartment or condo closer to where I live. Can you recommend any businesses or services that specialize in helping seniors relocate?

Dear Savvy Senior, I would like to get my wife and I set up with some type of roadside assistance service in case we get a flat tire or our battery conks out. Can you recommend some good and affordable services for retirees on a budget?

Dear Savvy Senior, What can I do to stop the perpetual prerecorded robocalls I keep getting? I’m signed up with the National Do Not Call Registry, but it seems like I still get three or four robo telemarketing calls a day offering lower credit card interest rates, medical alert devices and more.