Retire & Reimagine April 30, 2025

Are You a Senior at 50? What It Means for Downsizing or Relocating for Retirement

Are you over 50 and starting to ask yourself, “Do we really need all this space?” Is now the right time to sell your home? Should you move closer to your kids or maybe to a place where winter doesn’t last half the year? If so, you’re not alone—and this message is for you.

So, who is considered a senior? That actually depends on who you ask. From a real estate and lifestyle perspective, we usually start hearing the term “senior” around age 50 or 55—not because we’re old, but because that’s when people often become eligible for certain programs, communities, and benefits. For instance, AARP membership starts at age 50, 55+ communities begin welcoming residents at—you guessed it—age 55, and property tax relief or senior tax exemptions can begin as early as 60 or 65, depending on where you live. But being labeled a senior doesn’t mean slowing down. It means you’ve earned the right to choose how you want to live. And for many people over 50, that’s when their real estate goals start to shift. They’re looking for quality of life—less stuff, more experiences, lower maintenance, and more time to create memories.

 

How do you know if it’s time to consider downsizing or relocating? Here are some signs I hear from clients all the time: “We don’t use half the rooms in this house like we used to.” “Keeping up with the yard work has gotten so much harder.” “We’d love to travel, but this house keeps us tied down.” “Our grandkids live out of state and we really miss them.” Sound familiar? Sometimes it’s about easing the physical demands of your home, and sometimes it’s financial. Maybe your house is worth significantly more than when you bought it, and you’d rather use that equity for something that brings you joy. And sometimes it’s simply about choosing the lifestyle you’ve worked toward for decades.

Let’s talk about options—this is where it gets fun. Option number one is downsizing. This means staying in your current area but moving into a home that better suits your needs today. In Connecticut, there are great choices: ranch-style homes with main-level living, townhouses with HOA-maintained lawns and snow removal, or 55+ communities with clubhouses, pools, and fitness centers—without all the upkeep. Downsizing is a great choice if you want to stay close to your doctors, friends, or favorite coffee shop, but want something easier to manage.

Option number two is relocating. This is for those ready for a full reset. Maybe you’re tired of long winters or high taxes. Maybe you want to be closer to your kids or grandkids, or are seeking a warmer climate—hello Carolinas, Florida, and Arizona! Maybe you’re eyeing a state that’s more retirement-friendly from a tax or cost-of-living perspective. And here’s a helpful tip: relocation doesn’t have to be permanent. My parents rented a home in Florida for a year to “try on” the lifestyle. It turned out not to be for them, and they moved back north—but they felt great about giving it a shot without a long-term commitment.

Here’s something many people don’t realize: you don’t have to wait until you retire to start making these changes. In fact, starting the conversation earlier gives you more control and better options. You can sell while the market is strong. You can move on your own terms rather than being rushed by health issues or family emergencies. This isn’t just a real estate decision—you’re designing the next stage of your life. That’s something to get excited about, not dread. I’ve walked this road with countless clients, and those who plan ahead always feel the most at peace with their decisions.

Whether you’re just starting to think about selling or you’re ready to list today, I’m here to help you explore what’s possible. Together, we’ll talk about the current value of your home in today’s market, how to prep your home for sale with minimal stress, whether buying, renting, or relocating makes the most sense for you, and how to make this process feel empowering, not overwhelming. I offer more than real estate expertise—I offer emotional support and a network of local resources to guide you every step of the way.

Both options—downsizing and relocating—have pros and cons. My job is to help you weigh those based on your goals, budget, and timeline. And here’s something I want you to remember: you are not alone, and it’s never too early to start planning. I talk to people in their 50s who think they have to wait until 65 to start planning for retirement, but beginning now gives you more freedom and choices. It’s okay to say, “This house is more than we need.” It’s okay to want a simpler life. And it’s absolutely okay to finally prioritize you after years of taking care of everyone else.

If you’ve been thinking about selling, downsizing, or relocating—or if you’re just curious about what that might look like—I’d love to have a conversation. No pressure, no sales pitch, just a friendly chat about your options and how I can help you move confidently toward your next chapter.

Retire & Reimagine April 15, 2025

Danbury CT Area Empty Nesters 3 Essential Things You Should Know Before Downsizing

Are you a Connecticut empty nester living in the Greater Danbury, CT area – Danbury, Bethel, Newtown, New Milford or New Fairfield? Are you considering downsizing now that the kids have flown the coop? Well, before you put your house on the market, here are three essential things that you should consider:

Number one: assess your current situation. With the kids gone, chances are your space requirements have changed. Think about how much space you need now and what you might need in the future.

Number two: evaluate your financial situation. Downsizing is a great way to reduce your expenses. Consider the costs of maintaining a large home versus the potential savings of a smaller property.

Number three: consider future needs. While moving to a smaller home may be ideal now, think about accessibility and convenience for the future. A one-story home or a home with few steps may be the right choice.

If you’re ready to downsize, call us today at 203-470-9819. Thank you for watching!

Retire & Reimagine April 10, 2025

How to Find the Perfect Location for Your Retirement Relocation

How to find the perfect location for your retirement relocation. Are you retired and would really like to move, but are having difficulty pinpointing exactly where to move to? You could take a dart and throw it at a map and just move there, but who says that you’d be happy there or that you’d even like living there? So rather than throwing a dart at a map, continue reading this post for a common-sense approach to finding your new retirement location.

We have thought about how people choose where to move to after they retire. To be honest, we have helped clients and friends with this how-to, but never really thought about it for ourselves. Retirement is not in our near future, but to be honest, the information that we’re sharing in this video today really got us thinking.

Richelle belongs to a closed group on Facebook for women who are, let’s say, older. She’s a frequent flyer in the group and not an active participant, she observes—not stalking, Richelle just observe. Little did she expect that she would gain such great insight into how people select a location to move to after retirement if the move has nothing to do with moving to be close to their children and/or grandchildren. There were over 100 responses to the post, and Richelle started reading them. The very first one was, “I moved to a place I vacationed for years and loved.” Many retirees look for fun things to do, fine dining, shopping, a university, theater, entertainment, good weather, and a fantastic governor. And she was hooked.

Richelle read many of the responses, and although people had used different routes to get to where they finally ended up, Richelle noticed four themes in many of the responses. Number one was healthcare—quality healthcare for seniors. Number two, taxes—low to no state income tax, no taxes on retirement income, lower property taxes. Number three, weather—climate. People who live in the colder sections of this country don’t want to shovel snow when they’re older. And number four, affordability—we think we all know what that one is.

So how do people hone in on exactly where to move to? Many of the posters made up lists that included the items that were important to them for their new location to have. Those items were in addition to the four themes that have already been mentioned, and they included things like proximity to friends and family—some wanted to move closer, and some wanted to move further away. Proximity to higher education—colleges, universities. Number three, proximity to a city—some people wanted to be out in the sticks, and others wanted to move right into the belly of the beast. Number four, activities—things like walking, jogging, swimming, biking, etc. Number five, no steps. Number six, a smaller house than the one they already lived in. Number seven, good to great restaurants—no bad food. Number eight, access to airports for traveling.

Once people had their list together, Richelle saw two approaches on what they did next. One was old school, and the other was techie. Old school was they went to the local library, spoke to the librarian, and did all of their research manually. Techie was they went to a Google search, typed in all the information that was on their list, and then looked at the different locations that came up and met that criteria. Next, they started to visit the locations that they thought they might be interested in living in. Some people rented VRBO, some went Airbnb, and the purpose was to immerse themselves into the communities that they were interested in moving to and get to know what was going on there.

By staying in a VRBO or an Airbnb, they were able to go to the grocery store, go to the liquor store, go to the movie theater, go to community events, and while they were out and about in the public, they spoke to the local residents. They asked questions about where things were, how do you do this, and how do you like living here. Some people ruled out towns, and it took them four years to find the ideal place, and for some people, it was love at first sight, and they just moved. They tried out the towns before buying a home with each of the longer stays in the towns that they were honing in on. This was a sensible and practical approach to drill down on exactly where to move to.

And yes, one poster did mention that she had a friend who threw a dart at a map and just picked up and moved. That poster went to visit her friend in their new location, and she loved it so much she moved there too. As a side note, Richelle learned something else. Rather than just selecting a location to move to after retirement, she learned a new acronym: CFBC—childfree by choice. We guess this is what a DINK (dual income, no kids) grows up to be.

We hope you found this information to be helpful. If you have questions, or if you’d like to start your journey to your retirement home, feel free to reach out to us.