Kelly Rogers

National Sales Coach & Certified Gerontologist

NMLS ID: 1065452

AAG American Advisors Group

Phone:  916.204.4463

Email:  krogers@aag.com 

Address:  1255 Treat Blvd. Suite 300. Office 343. Walnut Creek, California 94597

Valerie VanBooven RN BSN:

This is Valerie VanBooven with the Senior Care Industry Netcast, where leaders with three or more years of experience in the senior care market share their advice. So with that, let’s get to it. In a few sentences, tell us who you are and what you do.

Kelly Rogers:

Excellent. Hi, everyone. My name is Kelly Rogers. (https://www.aag.com/seniorcareprofessionals/)

Right now I currently work for a company you might’ve heard of, American Advisors Group, known as AAG. You’ve probably seen those Tom Selleck commercials on TV. We specialize in being the nation’s leader for home equity solutions for seniors, but we also work with VAs.

It doesn’t matter your age. A lot of people think it’s just reverse, but it’s not. We want to make sure that we’re looking at all home equity options for everybody. We just happen to specialize in doing it with seniors.

Kelly Rogers:

Excited to be there. Background though is 28 years ago, my mother and I started a company called Respect Your Elders. And I got hooked into the gerontology program. I’ll give up my age here. That was back in 1992. So about 28 years ago, I did start off in the gerontology field and it was a company, Respect Your Elders, where we referred services. Most families are just in a quandrum when they’re being discharged and don’t really know what to do, where to go. They maybe had services, but they don’t know until it’s time to use it.

Kelly Rogers:

What we did is we just came up with, whether it was facility placement or in-home care or you needed an elder law attorney, support groups, Alzheimer’s Aid Society, association, so forth. I loved being able to research all of these different services that are out there for seniors that I had no idea about and trying to be like this little hub in my little area out here to help people with the right resources they need. And then now eventually went to more of the financial aspect of helping seniors.

Valerie VanBooven RN BSN:

We always could use resources. And I’m sure still today, if somebody needs a resource, you probably know where to turn. And you’re not dating yourself in this audience, because I graduated from nursing school in 1992, so I’m right there with you.

Kelly Rogers:

’92, all right.

Valerie VanBooven RN BSN:

I know exactly what you’re talking about. That just makes us wiser and smarter about all of this stuff.

Kelly Rogers:

Yeah, that’s right.

Valerie VanBooven RN BSN:

By now, we’ve both probably experienced our parents are getting older. And the beat goes on. Absolutely. I know I have limited knowledge about… And I call… I know there’s technical terms. I call them reverse mortgages. I know you do all kinds of equity, but to me, I have witnessed those be a saving grace for clients who needed to do something really expensive to their house in order to stay there, or like maybe a huge repair, like a foundation, a complete… Here in the Midwest, we have basements because we live in tornado alley.

Valerie VanBooven RN BSN:

We have basement so we can go hide. Foundations tend to crack and crumble over the years and give out. So having a foundation I guess reinforced or stop it from leaking can cost $30,000 easily.

Kelly Rogers:

Easy.

Valerie VanBooven RN BSN:

It’s amazing how much stuff costs. For a senior on a fixed income, even if their house is paid off, that’s a lot of dough. And if they don’t want to make payments on that and they really aren’t going to give the house to their… The heirs don’t really want the house, so it makes sense to… And then a couple of instances of this where a reverse mortgage made a whole lot of sense to just pay for that. And then when they’re done with the house and they move on, then the house is sold and that’s it. Reverse mortgage is paid off.

Valerie VanBooven RN BSN:

I know there’s a million different examples of how this can work for people, and you’re welcome to expand on that. But I’m going to ask you the next question which is, what is the best thing about serving aging adults? And you’re welcome to throw in there how this all works or whatever.

Kelly Rogers:

You bet. Actually, my ultimate favorite thing of working with older adults, I love to hear their stories. I know this might sound simple or cliche, but it really is the number one thing. I’m all about moving forward and growth and evolving and so forth, but that won’t exist if we don’t take some time and learn from the past and learn from those that learned what was working, what wasn’t working. I just think they have so much knowledge. And boy, they are the ones that have gone to war for us. They are the ones that have gotten us the rights that we have.

Kelly Rogers:

I love hearing their stories. That’s what gets me in my heart. And then all that does is make me want to help them even more in any way possible that I can, whether it’s helping them with Meals on Wheels, whether it’s helping them with a reverse mortgage. That is the slang word. Basically the difference is a reverse mortgage is a non-government insured mortgage. A home equity conversion mortgage, a HECM, that’s the technical term. That’s a reverse mortgage that’s insured by FHA.

Kelly Rogers:

Really there’s not a big difference just on who’s insuring it, and that insurance has protection to the heirs, the estate, the owner. No negative debt can transfer basically. And that’s probably one of the biggest misconceptions with the reverse or the HECM is that the bank owns it. And that’s definitely not true. The title stays the same. It works just like a regular loan. I just did a refinance and it’s just a lien. It’s the exact same thing. It’s just you have options if you want to pay it or not.

Kelly Rogers:

The only thing you have to do is keep up on your homeowner’s insurance and property taxes. And Valerie, you’d be surprised, a lot of people do it for big expenses. A lot of people do it because they can’t afford these inflating property taxes and homeowners insurance.

Valerie VanBooven RN BSN:

Yeah.

Kelly Rogers:

Right?

Valerie VanBooven RN BSN:

Yeah.

Kelly Rogers:

Sometimes they’re just doing it to pay for the maintenance on the home, so they don’t have to worry about that and pull from other funds and assets that they weren’t planning on doing so that they can stay at home, let alone the repairs that need to be done, especially when we want to age at home, which is what we want. If we can afford it, we would all pretty much raise our hands and say, “Yes, I would prefer to stay at home and have in-home care and home health hospice.” And that’s what we did for my Nana. That’s what got me into reverse mortgage.

Kelly Rogers:

What switched me from being a gerontologist and a specialist of helping seniors with their care and their services was my Nana was in a situation where she got cancer. Flavio, her husband, was about 15 years older. He was the only income provider. We knew when he passed, Nana would have no money. This is what taught me to go, “Okay, go look at what this reverse mortgage stuff is,” because I thought the bank owned it. They could take you when they want it.

Kelly Rogers:

You’re stealing homes from little old ladies. I thought all that stuff, or it’s going to pass all this debt onto me, the heir. I thought all of that, until I called and did some research. And as soon as I found out none of that was true, we did do it. We did the line of credit option for my Nana.

Kelly Rogers:

So that way if she needed to work here that month or needed more services or more medical equipment or something like that the insurance wouldn’t cover, we had this big line of credit we can pull from where it wasn’t taken out of my pocket and Nana still had pride that she was covering and paying for her own care at home. That’s what got me in this industry to switch over.

Valerie VanBooven RN BSN:

I think usually it is a personal experience. Having seen it with my husband’s mother, my mother-in-law, she is now in a skilled facility, but she was at some point that’s to use the reverse mortgage proceeds so she could stay in her home longer. Because if she didn’t have that… She didn’t have a lot of. She was on a fixed income. To pay back a loan that was $30,000 over however many years she could get a loan for was going to be a lot of money out of her pocket every month just to be able to stay in that house because the foundation needed to be fixed.

Valerie VanBooven RN BSN:

I mean, those are the kinds of things you don’t think about and you certainly don’t think they’re going to cost that much to be fixed, or care. Home care is going to cost… It depends on how long you need it and how much care you need, but that’s not a simple expense at all. That’s a very, very… It can be heavy. If you’re wanting to stay at home, it’s a great way to pay for those things. You have to make sure your whole family understands what you’re doing, how it works, and why you’re doing it this way.

Valerie VanBooven RN BSN:

I think to me, that was the biggest part of the whole thing is making sure that all the brothers and sisters understood what was going to happen when she passed away, what was going to happen when she went to the nursing home, did anybody want the house, did anybody want to put up the money to do this instead of her, and then have the house after she was done living in it? And if the answer was no, then we didn’t have a whole lot of other options, so let’s move forward and get her what she wants so she can stay here.

Valerie VanBooven RN BSN:

You just have to have those conversations. Whatever way you go, when you take out a loan and you’re an older person, the prospect of having to pay that back every month can be daunting. And if you can do it in a way where you don’t have to make those payments right now, I think that’s beautiful. It’s an absolutely beautiful way to do it.

Kelly Rogers:

And you hit the spot on the head. It’s all about education and communication. And that’s what it really is all about. We get in with the financial planners. We work with very wealthy and affluent individuals as well that don’t have an immediate need, but this pandemic is a perfect example. When the stock market crashed and people lost their pensions, even the other year, my father lost all their stuff as well. In these catastrophes, even wealthy individuals that have millions of dollars are choosing to look at this auction with us.

Kelly Rogers:

We have financial planners on board as well, if anybody ever needs that service, but we work directly with your financial planners as well in regards to how to protect other assets and portfolios, because that’s usually what the heirs want to inherit anyhow, not typically the house. And it’s just having it there for that safety cushion, right?

Kelly Rogers:

Whether it’s someone in an immediate need or whether it’s someone who’s just planning for the future ahead of time and wants to have an extra pot to pull from when it’s like a downmarket and you want to preserve that and leave that alone, and then you can use it temporarily. And then once the market recovers and you’re not selling for pennies on the dollar, you can sell and make a profit to pull from there. There’s really some cool strategic ways that fits the whole gamut from people living paycheck to paycheck, to people that have millions.

Kelly Rogers:

Because you’re right, especially when long-term care hits, that’s going to deplete because it’s typically private pay, right, Valerie?

Valerie VanBooven RN BSN:

Oh, absolutely. Yes. The misconception or if you haven’t ever been in this industry, which almost everybody that I talk to understands this, but for consumers out there who don’t understand, that if you want an amazing assisted living facility and an amazing nursing home, and you want all the best in the private duty home care and you want them coming in, Medicare doesn’t pay for any of that. That is not how it works. Medicare pays for short-term rehabilitative stays only. It’s not going to pay for all of your care for the rest of your life.

Valerie VanBooven RN BSN:

It’s not how it works today. It has changed a little bit over the last couple of years to provide some short-term respite in certain cases, but it’s still not enough, and is still certainly isn’t going to pay for someone who has something like Alzheimer’s disease. You can be around for very many years with Alzheimer’s disease. And if you want your parents or they want to be in the best facility ever, that’s great. We all want to be in the best facility ever, but somebody is going to have to pay for that. It goes fast. You’re in Northern California, right?

Kelly Rogers:

Oh yeah.

Valerie VanBooven RN BSN:

So it goes way faster than it even goes here, and here it’s expensive. Yeah, absolutely. There’s all kinds of different reasons why somebody might do this, but certainly it can be a lifesaver for those who really want to stay at home.

Kelly Rogers:

It’s not for everybody. Not for everybody, not at all. Sometimes the VA loan is going to be a whole lot better. Sometimes no loan will be better and be the advice, but educate yourself and connect, right? And communication.

Valerie VanBooven RN BSN:

Understand the reality versus the rumor and the misinformation that’s out there. And these have been around for a really long time, and they’re so highly regulated. I mean, just amazingly highly regulated. And if you’ve been around a while, you know how that is. It’s not like any Willy Nilly person can just go do this. I mean, there’s so much criteria you have to meet in order to be able to do it, and it all has to be authorized a million times over. It’s not like somebody can just do this off the cuff.

Valerie VanBooven RN BSN:

It’s definitely a process. It’s definitely highly regulated by the government.

Kelly Rogers:

Oh yeah. HUD and FHA have definitely increased all the protections for the borrower.

Valerie VanBooven RN BSN:

Yeah, absolutely. Tell me what other successful leaders or organizations or people in your life, maybe it’s your Nana, maybe it’s your mom and dad, who has made an impact on you with regard to the profession that you’re in now and who would you like to talk about?

Kelly Rogers:

Gosh. I’d have to say the Professor, Dr. Barbara Gillogly, over here at the American River College. They called her The Hook. When I went to college, I was going in for social work to work with children and child development. That was where I thought my heart really was sending me. And then my mom started this Respect Your Elders company and she went, “Hey, go take a few of these gerontology classes. I heard about this Dr. Barbara Gillogly.” And I went. Now, I know why they call her The Hook. You can be going in for one thing.

Kelly Rogers:

And as soon as you start taking a class with her, Valerie, it was like finally a topic that just kind of really I connected with mentally, emotionally, spiritually. It’s almost like it was a natural topic somehow out of nowhere, and I completely changed all my psychology, sociology, and everything from child development. I switched and went full throttle into gerontology until I got my certificate in it. Big kudos to Dr. Barbara Gillogly.

Valerie VanBooven RN BSN:

The Hook.

Kelly Rogers:

The Hook. Obviously my mother. I wouldn’t be in this industry without my mother and my Nana. I would have never educated myself on this option if it wasn’t for her. I’ll have to say, the caregivers out there, you guys are absolutely my heroes. 100%. You’re so overworked, whether you’re a staffer or a caregiver, I’m including everybody in the senior care industry. I’ve been there. I’ve done it. It’s 365 days a year, 24/7. And that is why I had to get out. I needed a break. I emotionally got attached. Everybody was my grandma.

Kelly Rogers:

Everybody was my grandpa. I want to thank you for sticking it out and doing and providing the services that are so needed. And I know that our caregivers are being overworked. I know the agencies and everybody are being overworked. I just want to thank you so much for doing what you do. I know a lot of these agencies have people where the borrower owes over $10,000. They’re still providing care and services out of the kindness of their heart. I want to get big shouts out to Amada and senior helpers.

Kelly Rogers:

We work with them on a corporate level, and we come in and we have those financial discussions. We don’t want you to. You’re the professional care providers. You need to work on the care plan and working with hospice and in-home care and the dietician and everything else to get the right care plan going. We will take on those embarrassing, vulnerable conversations when it comes to finances. That’s what we’re licensed to do and professionals in doing.

Kelly Rogers:

And what I’ve found is if we can bring all that together, we can fill all those private pay gaps and we can provide the care, the services, whether it’s in-home care, whether it’s coming in and retrofitting the home so it’s safely. It’s just all about that teamwork and just a huge appreciation to our caregivers out there.

Valerie VanBooven RN BSN:

Well, thank you for saying that. And I know that especially right now everybody’s scared about everything everywhere, so it’s hard to walk into a house. It’s hard to have somebody coming into your house. Nobody wants to go to a facility right now, so our caregivers really are heroes going to work every day, facing whatever challenges they face and the risks that they face, not knowing who else has been in the house. It’s just a huge gamut of things that caregivers, whether they’re professional or family, that they face every day.

Valerie VanBooven RN BSN:

Yeah, you’re right. It’s crazy and it’s rewarding at the same time, but let’s talk a little bit. You hit on something that we probably should talk about a little bit, and that is home care agencies can call you and talk to you and they can talk to you about how to help seniors who are in their services who are running out of money.

Valerie VanBooven RN BSN:

And you can probably not only guide the home care agency as to what might work and what might not work, depending on their situation, but also have the conversation with the family about the realities of everything without the home care agency having to be the one sitting there talking about something they really only half understand.

Kelly Rogers:

100%.

Valerie VanBooven RN BSN:

I think the partnership… And we’ve talked about this for a really long time. Home care agencies are always, of course, private pay. Private duty home care wants private pay clients. Private paid clients, there are certain limitations they might have on how much funding they think they have and finding more funding to keep them in service can be a challenge. But if they meet certain criteria, those are gaps that you can help overcome.

Valerie VanBooven RN BSN:

I think if more home care agencies understood that and I think if more clients understood that there may be other solutions, there may be other financial solutions, there may not be, but it’s worth exploring. I mean, even you can go as far as talking about for folks who have a lot of life insurance still, you can talk about turning in your life insurance policy or selling your life… What is it called? I don’t remember. Life settlements. There’s all kinds of options out there that we may not be familiar with.

Valerie VanBooven RN BSN:

I would encourage home care agencies to know who their professionals are in their area or wherever, so that when that time comes and they know that the credit card is starting to fail, and they know that the bills are starting to get paid longer and longer and longer out, address it sooner rather than later and know who to turn to who might be able to come up with a solution for that family.

Kelly Rogers:

100%. That’s exactly what it’s all about. And then we also work with, like I said, financial planners, elder law attorneys, people that need help getting on MediCal that specialize in that, retrofitting the home, senior real estate agents if they want to purchase maybe a home that’s right size for them, that’s closer to their family, and so forth. That’s a huge thing going on right now. And you can actually use a reverse to purchase where you come in with like half the amount of money, and then you get to pocket the other half and live in your new home.

Kelly Rogers:

That’s where you want to retire in without the payment as well, without spending all the cash you just made selling the previous home. It’s all about education and networking and having meaningful conversations, not just like, “Oh, hey, yeah. When I get someone in trouble, I’ll call you.” We want to be proactive as well. We want to help before they call and cancel, before they start lowering their services. And then we also want to be there reactively as well when they do start getting behind and so forth. I’m going to admit it, hat is where I failed.

Kelly Rogers:

As an in-home care agency owner, that’s where I failed. The only time I lost a client, Valerie, other than when they passed away was because they ran out of private funds, and they didn’t know what their options were, and they moved to a nursing facility, nothing wrong with them, but prematurely moved to a nursing facility, which they didn’t want to do. And the person did deteriorate and pass away at a much faster rate than what we were seeing at home.

Kelly Rogers:

Shame on me and congratulations and thank you to you and your audience on being open to learning, because what we have found is we’re not saying we’re the only solution. We’re saying let’s stack them. If you’ve got VA benefits and attendance, let’s get that. Let’s stack that on top if you have long-term care insurance Let’s stack that on top of any other annuities or life insurance that you can cash out on, if that’s the right option, on top of if you’re a homeowner looking at home equity.

Kelly Rogers:

When you stack all that up, what it does is it decreases all those private pay gaps that are super huge, and then people can afford the care for a longer period of time, and then more billable hours for the agency, which is how you retain your caregivers, which I know is the number one issue still. It was the issue I had. Caregiver retention is tied to client retention and decreasing those hospital visits. That’s our goal.

Valerie VanBooven RN BSN:

Money makes the world go round fortunately, or unfortunately. Knowing where to turn to find those hidden gems in your own life is really a good thing to know and in other people’s lives. This is a good option. And like you said, not for everybody. But if you know what’s waiting for everybody out there and what options they have and know who to talk to, it’s definitely worth the knowledge and the investigation of that to keep them where they want to be, which is at home.

Kelly Rogers:

Absolutely.

Valerie VanBooven RN BSN:

All right. Let’s switch gears for just a second and talk about online marketing. I ask everybody this question, how have you been doing your marketing since we cannot necessarily all the time… I know California’s got some pretty strict rules right now. We can’t really do a lot of in-person networking. I know that people are… When you need to, you sit with a mask on in front of somebody across the desk or across the room or whatever you have to do. But what about online marketing? Has that helped you? Have you been doing it? What do you see there?

Kelly Rogers:

This one would probably be kind of short and sweet. We’ve been such a high TV presence and online presence, especially with Mr. Tom Selleck back here as our spokesman. But I’ll be honest, we’re getting even more calls. We get over 50,000 inquiries every single month, Valerie. That’s done nothing but increase since this pandemic and COVID. What we want to do is we want to share that platform. We know, and we hear, and we talk to you guys, and we know that this is a big struggle.

Kelly Rogers:

You’ve got cutbacks galore, but now you’ve got to fight all this money to do all of this advertising, which is not cheap. I won’t even get into what that cost is. It’s not cheap. That’s why we want to use ours. We have a huge platform already and that’s what we want to extend out to you. Small business owners, big business owners, nationwide, local, it doesn’t matter. We have a local representative in every single state that would work with you and help you use our platform.

Kelly Rogers:

Because we get tons of calls of people wanting to know, “Hey, I need to look at some home equity options, some loan options here to afford my long-term care.” They don’t have an in-home care agency yet, or they need to go from in-home now to medical. We are building those relationships as well as, because we want to get to know you. We want to know, do you specialize in Alzheimer’s? Do you specialize in healthcare? Are you doing ADL’s with in-home care?

Kelly Rogers:

We want to know what this is because we’re connecting these 50,000 people calling into us, we’re connecting them to our local person that we know and trust. And we need more resources. We need to know more of you out there.

Valerie VanBooven RN BSN:

Yeah. I mean, whether they’re calling because they need home modifications, or they’re calling because they need care, if a home care agency makes a connection with someone like you who’s in their local area, you’re in the Northern California area, then they’ll have a resource and they can share resources, share leads and get all these calls. Not all of them are going to be for home care. But when they are, I got to refer them to somebody and vice versa. I’ve got five clients who are wanting to stay home, didn’t want to go to a nursing home.

Valerie VanBooven RN BSN:

Now they’re running out of money. They own their own homes. How can you help? It’s a great partnership. It’ great to have those people in your pocket when you need them.

Kelly Rogers:

Absolutely. We actually find ourselves introducing more of our clients to in-home care agency owners and so forth and the other way, and that is okay. We don’t care what the numbers or ratios are. We don’t even like saying referrals. We just like to introduce. We want to introduce you to folks. You introduce us to folks, but it does because of our high platform that we have, we typically are. Right now it is weighing a little bit heavier with us giving more than we’re receiving, but we receive any way.

Kelly Rogers:

Because even if they don’t move forward, as long as they’re educated, that’s all that we care about. That way they know before they call and cancel services, they know, hey, they can call me or they can call my girl in Florida or in Texas or wherever you are because we’re nationwide, and at least explore that option before I call and cancel or cut down on services and then lose that caregiver that’s like family to them, right? Yeah.

Valerie VanBooven RN BSN:

What piece of advice would you give to other senior care providers out there?

Kelly Rogers:

I would just say work together. It’s not competition. If this epidemic didn’t show one thing, I hope that it shows that it won’t work unless we all work together. It won’t work. We have to not see each other as competitors and competition. We have to see each other as comrades. We have to see each other as advocates together. And we can’t truly advocate if we only stay in our lane and we only know our part. We have to care about what our clients care about.

Kelly Rogers:

And yes, our clients definitely care about how they’re going to retire better. And that’s a whole gamut of things, right, Valerie?

Valerie VanBooven RN BSN:

Absolutely. Absolutely. As you can hear, the world is coming to an end downstairs. Someone must be home or maybe it’s the FedEx guy. I don’t know, but the dogs have decided to interrupt our little chat.

Kelly Rogers:

See, I kicked everybody out of my house because I knew my dogs would be going crazy.

Valerie VanBooven RN BSN:

Well, I have some teenagers that are supposed to be monitoring this. Apparently they failed.

Kelly Rogers:

That’s why I kicked mine out.

Valerie VanBooven RN BSN:

That’s right. Mom is on a call. It’s okay. It’s all right. This happens from time to time, so no big deal.

Kelly Rogers:

Hey, I’m a big dog lover.

Valerie VanBooven RN BSN:

All right. My last question, and I’ll mute myself so that you can have the floor and not the dogs, when you have a win in life for business, how do you like to celebrate?

Kelly Rogers:

Well, prior to COVID, right? You probably get this a lot. Prior to COVID, we would get together, the company. We either fly down to the corporate office and get together and do like a celebration dinner and kind of share testimonials and stories and things, or locally up here with the branch manager up here in our team in Northern California. We get together and break some bread and have a couple of drinks and a couple of cheers and talk about our successes and then immediately go into what’s next, right? We do. We like to celebrate.

Kelly Rogers:

We take a pause. We celebrate, and then we’re instantly into, okay, what’s the next goal? What’s the next chapter that we want to look into on getting out there and locking arms with all the different professionals out there and clients? We want to work with everybody, not just clients. We want to work with the business professionals as well. We believe that that’s going to be key, because a business professional touches so many clients.

Kelly Rogers:

And if each individual takes the time to learn a little bit more than just their portion or their part, and they can see how it fingers out and it takes all of us coming together to really allow our seniors to retire better, I think that is absolutely the key and that’s always a celebration to us. Nowadays it’s kind of celebrate with the dogs and the family. We might order a pizza, some soda or something.

Valerie VanBooven RN BSN:

That’s pretty much… We’re kind of stuck like this for a little while, but hopefully we can see the light at the end of the tunnel now. Sometime next year, well, hopefully I’ll be able to celebrate it, at least go to dinner again together.

Kelly Rogers:

Right?

Valerie VanBooven RN BSN:

That’d be super nice. Yeah.

Kelly Rogers:

I’m tired of cooking.

Valerie VanBooven RN BSN:

I don’t need to go to sporting events. I don’t need to go to rock concerts right now. I don’t need to do any crazy stuff. I just like to go to dinner with a friend.

Kelly Rogers:

Right. Miss that.

Valerie VanBooven RN BSN:

We can keep it simple. It’s totally okay. But anyway, thank you for sharing that, and I would agree. I think we need to celebrate. And I think caregivers, whether you’re a professional or family caregivers, take a moment and realize and celebrate the fact that you’re able to do this for as long as you can and the person you’re caring for really does appreciate it, whether they can tell you that or not. Wherever stage of life they’re in, I know that they appreciate it. The little celebrations are perfectly okay right now.

Kelly Rogers:

That’s right.

Valerie VanBooven RN BSN:

Absolutely. Well, I want to thank you for doing the show, for being on. You’re so well-spoken. You’ve really educated us on the basics and how to work together as business professionals to help more seniors. Thank you very much.

Kelly Rogers:

Absolutely. Thanks for having me, Valerie.