Five Wishes:  Helping Families Everywhere Since 1998

Caregivers often face unpleasant surprises later in life. Many people retire without considering the challenges that they – and those who help them – may face 20 years later. In the first 20 years of retirement, many retirees lose family members, suffer physical or mental decline, or face other life changes.

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I-Bonds Paying Interest Rate of 6.89%

Savings Bonds are often considered a safe and trustworthy investment because the U.S. government backs them. There are different types of savings bonds, the most recent and one of the most popular types being the I Bond.  A key feature of the I Bond is that it is inflation-protected.

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New for Caregivers

Watch this spot for new resources from WISER and our partners–last updated January 2023.

Helping someone you love to move into a nursing home can be stressful enough. Nursing homes should not try to make you personally responsible for a loved one’s bill as a condition of admission. See “Know Your Rights: Caregivers and Nursing Home Debt” from the Consumer Financial Protection Bureau.



WISER receives GOLD honors from  National Mature Media Awards for its publication, 5 Questions to Ask Your Mother or Grandmother.

NCOA’s BenefitsCheckUp tool is all new and even easier to use! The new BenefitsCheckUp includes details on 2,000 benefits in English and Spanish, free, confidential eligibility checks by program or category personalized support via a call center, chat, email, and connections to local centers. Check it out here

Congress passed the Inflation Reduction Act of 2022 (IRA), which includes sweeping Medicare prescription drug reforms and changes to the Part D program. This fact sheet provides a summary of the IRA’s health provisions that will bring cost savings to low-income older adults.

Read the new Seniors Matter article on the pros and cons of retiring early to become a full-time caregiver. 

Read the new Seniors Matter article on steps caregivers can take to help an older adult leave a financial legacy. 

When a loved one dies, you may learn about debts they owed before they died. You may not recognize these debts. If you are a surviving spouse or family member, you may even wonder if that debt now belongs to you. Read CFPB’s guide on what to do if you find yourself in this situation.