Tag Archive for: ccrc

Sales Consultant at a table talking to senior man

Be in the Know: Life Plan Communities Offer Valuable Tax Benefits

When looking at retirement living options, buying or renting into a senior living community are well-known options. But choosing to live in a Life Plan Community offers some valuable federal tax benefits that other senior living options do not. Read on to learn more.

What is a Life Plan Community?

Life Plan Communities, also known as Continuing Care Retirement Communities (CCRCs), provide the security of having a plan in place for any future healthcare needs that might arise. Residents enjoy independent living today, with the confidence that quality care will be available if they ever need it.  Most CCRCs offer multiple service levels: Independent Living, Assisted Living, Skilled Nursing, and memory support services, all available when you need them.

What are the tax benefits?

Current federal income tax laws permit residents of CCRCs, like John Knox Village of Pompano Beach, to write off a sizeable portion of the one-time entrance fee as a medical deduction for the move-in year. Additionally, a percentage of the monthly service paid each year can be itemized as a medical expense.

At the beginning of each year, in some communities, such as John Knox Village, auditors calculate the portion of the Entrance Fees and Monthly Service Fees that are attributable to medical expenses and provide this information to residents for their tax preparation.

Can a financial advisor help me navigate this?

Tax and financial advisors can play a crucial role in helping seniors living in CCRCs and Life Plan Communities navigate the complexities of tax laws related to their unique situation. An advisor can help you understand CCRC-related tax deductions, such as:

• The amount or portion of your healthcare services and fees to the CCRC, as applicable
• Other potential itemizable deductions, such as local income taxes related to living in a CCRC
• Specific tax implications of different types of CCRC contracts, including the nuances of life care, fee-for-service, and other modified contracts

In addition, financial advisors can help seniors project future healthcare needs and provide guidance on potential tax implications for accessing long-term care services within or outside of the CCRC.

How much can I deduct?

According to Carol Enisman, Investment Advisor Representative and Managing Partner at Premier Wealth Planning in Fort Lauderdale, “The current tax code allows you to deduct a portion of your unreimbursed medical and dental expenses that exceed a set percentage of your Adjusted Gross Income.”

However, she says, it’s important to note that you’ll need to itemize your deductions rather than take a standard deduction, which would disqualify you from claiming medical expenses.

I’m not sure which type of care contract I should choose.  Can you tell me the tax benefits of each?

The tax benefits may vary, depending on which type of care contract you select. A Life Plan Community Consultant can explain the different contract options, including Type A, B, and C contracts, and what each includes. Depending on how much healthcare coverage is included in the contract you choose, the medical expense tax benefit may vary.

For some types of CCRC contracts, a portion of the entry fee and monthly fee may be applied toward future medical expenses. Essentially, this portion is considered a pre-paid medical expense and may be included as part of your annual medical expenses.

Are there any other deductions seniors should keep in mind when filing taxes?

Many healthcare-related expenses — such as hospital bills, prescriptions, dental and vision care, in-home medical care, and hearing aids — may be tax-deductible if you itemize deductions.

The IRS allows you to deduct qualified unreimbursed medical expenses that exceed 7.5% of your adjusted gross income (AGI).

In addition, transportation costs for medical care, such as mileage to and from doctor’s appointments, as well as parking and tolls — may also qualify.

The bottom line?

A Life Plan Community can offer some true financial and tax benefits that other senior living options do not.  Be sure to do your research.  Make sure you’re taking advantage of any deductions you may be eligible to take. 

Most importantly, it is always best to speak with your tax professional, who will be able to advise you with up-to-date tax regulations.

Want to learn more about John Knox Village?  Contact us today for a no-pressure conversation with a Life Plan consultant or to schedule a visit.

 

John Knox Village leadership with members of ScentsAbility posing with a golf cart JKV donated

John Knox Village Supports ScentsAbility with Golf Cart Donation

JKV forges a new community partnership with ScentsAbility Candles — Crafted by Artisans with Intellectual and Developmental Disabilities (I/DD)

The IDDeal Foundation and ScentsAbility Candles is a nonprofit organization dedicated to empowering adults with intellectual and developmental disabilities (I/DD). Founded in 2009 by Bonnie Schmidt and Denise Anderson—two devoted mothers of adult daughters with I/DD—the organization was created to provide meaningful work opportunities, purpose, and community.
After high school, many individuals with I/DD face significant challenges, including the loss of federal funding, limited pathways to independence, and feelings of social isolation. ScentsAbility was designed to change that.

Today, ScentsAbility Candles operates as an innovative social enterprise offering sustainable income, life skills training, and a vibrant community for adults with I/DD. What began as an alternative to repetitive or institutionalized tasks has evolved into a model of empowerment, offering adaptive strategies that help artisans thrive. In addition to its mission-driven programs, ScentsAbility produces a full line of beautifully crafted, artisan-scented candles.

When ScentsAbility approached John Knox Village (JKV) about the need for a two-seat golf cart to support their daily operations—transporting supplies, moving artisans between workstations, and improving workflow—then-CEO Dr. Sal Barbera immediately agreed to donate one.

“I cannot think of a better organization that can use a golf cart more than the good people at ScentsAbility,” Dr. Barbera shared.

To further support ScentsAbility’s mission during the holiday season, JKV’s Life Enrichment team hosted a hands-on candle-making demonstration for residents. Residents had a chance to get up close and personal with the ScentsAbility team, learning about their mission from Bonnie Schmidt, and making a candle. Participants learned how to create ScentsAbility’s signature Beach Bliss gel candles, complete with beach-themed decorations and embellishments—either to gift or to enjoy themselves.

JKV plans to partner on more events with ScentsAbility for fundraising and education for residents in 2026 and beyond.

To learn more about the community partners John Knox Village supports, or to learn more about life at John Knox Village, contact us to schedule a visit, or call us at 954-783-4040.

Give Yourself the Best Gift Ever: Peace of Mind

Kim Ali
JKV VP of Sales & Marketing

 

A Message from Kim Ali, VP of Sales & Marketing

As we gather with loved ones this holiday season, many of us naturally reflect on family, health, and what the future may hold. One of the most meaningful gifts you can give—both to yourself and to those who care about you—is the comfort of knowing your future is secure.

At John Knox Village, my mission is to guide individuals through the many senior living options available and to help them understand the tremendous advantages of choosing a Life-Plan Community, also known as a Continuing Care Retirement Community (CCRC).

This year has reminded all of us how quickly circumstances can change. With so much uncertainty—from fluctuating markets to world events—it’s only natural to want stability and reassurance.

That’s why now is the time to put a plan in place that protects your financial security and ensures you’ll always have the care you need.

If you’re exploring your options, you may be wondering:

• Who will support me if I need extra help?
• What will long-term care cost?
• What if my spouse and I need different types of care?
• Will I have enough resources to last my lifetime?

A Life-Plan Community provides clear, comforting answers. It offers predictable costs, guaranteed access to higher levels of care, and the peace of mind that comes from knowing you’re prepared for whatever the future brings.

At JKV—South Florida’s premier CCRC—you’ll find Independent Living, Assisted Living, Supportive Memory Care, and Skilled Nursing right on campus available when, and if, you need them. Our residents also feel confident knowing that under the leadership, warmth and vision of our new CEO, Melissa Honig, the community has a bright future.

But what truly sets JKV apart is the lifestyle with incredible amenities right on the JKV campus:

  • A 350-seat Cultural Arts Center with high-caliber performances
  • Seven exceptional restaurants led by Johnson & Wales University-trained Chef Pete Murphy
  • An Aquatic Complex that’s home to two resort pools and pickleball courts
  • Art and music studios
  • A fitness center with 50 classes a week, led by fitness professionals
  • A personal technology classroom with a dedicated Technology Engagement Coordinator
  • And more than 100 monthly programs focused on lifelong learning and joyful connection

Most importantly, JKV is a community filled with kind, supportive, welcoming people who quickly become friends.

If you’ve ever thought about securing your future—or if your family has encouraged you to explore your options—this is the moment to act. There is no greater relief than knowing you have a plan in place.

We would love to talk with you, answer your questions, and help you explore the beautiful living options available at JKV.

Contact us for a visit, or a no-pressure conversation to get more information.  Come see why giving yourself the gift of peace of mind might be the best decision you make this year.

 

Beyond Real Estate: What You’re Really Buying At JKV

Once you’ve realized that John Knox Village could be the perfect fit for you or a loved one, the next essential step is to connect with a Life Plan Consultant.

More often than not, the first question is: “What will this real estate transaction cost me?” It’s not uncommon for prospective residents to be surprised when they learn that they aren’t simply purchasing an apartment or villa.

The upfront Entrance Fee you pay secures you an all-inclusive Life-Care contract. This ensures that any future healthcare needs will be met right here on our 70-acre campus. You’re not just purchasing real estate; you’re investing in your peace of mind.

If your health changes and you require assistance, it’s all included: Assisted living, supportive memory care, skilled nursing—everything’s covered. You will have access to all levels of care without having to worry about extensive costs down the line.

Nearly 1,000 residents enjoy the vibrant community life at JKV, from the many and varied activities and friendships, to the support that comes from being surrounded by people who understand the journey of aging.

It’s not just about a home. You’re choosing a lifestyle, a community, and a promise of care.

We’re happy to answer any questions and tell you more about how living at JKV provides you with future financial security and an incredible lifestyle in a community you’ll be glad to call your home.

Headshot of Bill Kelly, JKV Chief Financial Officer

Meet the Experts at JKV: Chief Financial Officer Bill Kelly

One of the many things that sets John Knox Village of Florida apart from other senior living communities is the dedication and expertise of our team members. We are proud to introduce our newly appointed Chief Financial Officer, William “Bill” Kelly, CPA, who brings more than a decade of senior living experience to JKV.

A graduate of the University of Florida, Gainesville, Florida, with a master’s degree in accounting, Bill began his career in senior living in 2011. Before joining JKV, he served as Director of Finance for almost 10 years at Harbour’s Edge, a Lifespace Community in Delray Beach. Bill first came to JKV in 2021 as Controller, a role he had served for four years before stepping into the Chief Financial Officer position in July 2025.

With a forward-looking vision, Bill is committed to strengthening JKV’s financial foundation and ensuring long-term sustainability. His priorities include:

  • Strengthening financial resilience.
  • Building cash reserves, maintaining strong operating margins, and ensuring resources are strategically aligned with long-term community needs.
  • Harnessing technology and automation.
  • Leveraging AI tools, software, and streamlined billing processes to drive efficiency and accuracy across operations.
  • Enhancing financial reporting accuracy.
  • Providing timely, transparent, and reliable reports that support informed decision-making and maintain trust with stakeholders.
  • Investing in infrastructure and innovation.
  • Ensuring capital projects and technology upgrades position JKV to meet the expectations of future generations of residents.

Bill’s leadership style is rooted in transparency, accessibility, and stewardship.

“When I think about the work I do, I always come back to my grandmother,” he shares. “In the last few years of her life, she was homebound. I wished so much she could have had a place like John Knox Village — a community where she could be surrounded by friends, engaged in meaningful activities, and assured that her healthcare needs would be met.”

He adds, “That’s why the mission of John Knox Village means so much to me. Here, our residents don’t just have a place to live — they have a lifestyle filled with connection, security, and purpose. Whenever I’m faced with a decision, I see our residents as an extension of my own family and ask myself: ‘What would I want for my grandmother?”

Outside of work, Bill is a true Floridian. He enjoys fishing, surfing, golfing, spending time with his college friends, and celebrating the holidays with his family in Tampa.

Bill is just one of the many experts who make the experience of living at JKV unparalleled. 

At JKV, financial strength and stability are among the top considerations for residents choosing a Life-Plan Continuing Care Retirement Community. With Bill’s vision and leadership, JKV continues its 58-year tradition of innovation, ensuring that today’s residents — and future generations — enjoy the peace of mind, security, and vibrant lifestyle that define our community.

 

More Than a Move—A Lifestyle Upgrade

For more than 50 years, JKV has set the standard for delivering an all-inclusive, resort-style lifestyle tailored to every stage of retirement. The community offers world-class fitness programs, state-of-the-art amenities, delicious and healthy dining, and countless activities designed to promote overall well-being. Residents enjoy peace of mind with unlimited access to on-campus healthcare services, 24/7 EMTs, and security. Plus, with no time or financial limits on long-term care benefits, a Life-Plan contract at JKV provides a fiscal safety net and an unparalleled quality of life.

We invite you to experience the vibrant community, world-class amenities, and remarkable residents, and exceptional team members who all make John Knox Village extraordinary.   Contact us today to learn more and schedule a visit.

Doug Folsom, John Knox Village Chief Operating Officer

What JKV’s Chief Operating Officer, Doug Folsom Learned at the 2025 LeadingAge Southeast Conference

The 62nd Annual LeadingAge Southeast Convention & Exposition was a premier event for senior living professionals, offering opportunities to learn, network, and explore the latest innovations shaping the industry.

Held in Orlando, Florida, the conference left JKV Chief Operating Officer Doug Folsom energized and inspired.

“This year’s conference was amazing,” Folsom said. “The sessions I attended—covering everything from industry trends, dining innovations, and strategic planning, to the rapid growth of artificial intelligence in healthcare, legal considerations, and preparing future leaders—impressed me beyond measure.”

Fresh Ideas and Future Goals
Folsom said the conversations he had with other industry leaders sparked new ideas for enhancing resident life at JKV.

“Traditionally, continuing care retirement communities (CCRCs) have been among the last to adopt new AI and technology tools,” Folsom said. JKV’s leadership team aims to change that by exploring the purchase of smartwatches for all residents — devices that could help prevent falls, monitor blood pressure, and automatically alert healthcare staff to potential concerns.

“We want to prevent potential problems rather than passively wait for something to happen,” Folsom explained.

The Role of Education—At All Levels
Another key takeaway for Folsom was the importance of education—not only for leadership and staff but also for JKV’s 11-member Board of Directors.

“The Board needs to understand forward-thinking for the long-term, not just day-to-day living at JKV,” he said. “We need a broader scope of what the future is bringing to our industry.”

A Commitment to Stewardship
The conference left Folsom so motivated that he is now seeking additional educational opportunities in the industry, both to attend and potentially present at. Drawing on his experience as JKV’s former CFO, he remains acutely aware of the financial responsibilities facing the senior living industry.

“As always, I believe in being a good steward of our residents’ finances,” Folsom said.

At John Knox Village, the insights gained from conferences like LeadingAge Southeast fuel our ongoing commitment to excellence. By embracing innovation, investing in education at every level, and staying ahead of industry trends, we remain focused on enhancing the quality of life for our residents today and for generations to come. Whether through exploring new technologies like AI and smart health devices, reimagining wellness programs, or continually refining our operations, JKV is dedicated to leading with vision, compassion, and innovation—ensuring that our community and its residents continue to thrive in a rapidly evolving world.

More Than a Move — A Lifestyle Upgrade
For more than 58 years, John Knox Village of Pompano Beach, Florida, has set the gold standard for all-inclusive, resort-style living that empowers older adults to live life to the fullest—at every stage of retirement. The community emphasizes whole-person wellness with state-of-the-art fitness facilities, world-class programming, delicious dining, and much more. Residents enjoy peace of mind with unlimited access to on-campus healthcare professionals, 24/7 care, and comprehensive long-term care benefits. There are no time or financial limits on healthcare services—making JKV a smart, secure choice for the future.

Want to Learn More?

We invite you to experience the vibrant community, world-class amenities, remarkable residents, and exceptional team members who all make John Knox Village extraordinary.   Contact us today to learn more and schedule a visit.

About LeadingAge Southeast
Founded in 1963 as a not-for-profit corporation, LeadingAge Southeast serves members in Florida, Alabama, Louisiana, and Mississippi. Its mission is simple: To expand possibilities for aging through advocacy, education, and service. Based in Tallahassee, Florida, the association represents more than 250 communities, over 500 facilities, and 140+ business associates, serving hundreds of thousands of seniors across the region. Members benefit from up-to-date regulatory guidance, educational opportunities, legislative advocacy, group purchasing, and peer networking.

Headshot of Jennifer Stevens, VP Healthcare at John Knox Village

Meet the Experts at JKV: Jennifer Stevens, VP of Healthcare, Leading the Charge for Senior Care Excellence at JKV and Beyond

In an era where the healthcare landscape is constantly evolving, Jennifer Stevens, Vice President of Healthcare at John Knox Village (JKV), has become a beacon of leadership and advocacy in the senior living sector. With an unwavering commitment to improving the quality of life for older adults, Stevens is not only a key figure at JKV, but also a respected thought leader among Florida’s Life-Plan Continuing Care Retirement Communities (CCRCs).

Stevens’ extensive experience and dedication have propelled JKV to the forefront of senior care in South Florida. Under her guidance, JKV has earned accolades for its high standards of care, with a comprehensive range of services. JKV’s proactive approach to meeting the diverse needs of its residents has solidified its reputation as a leader in the field.

Stevens has been a strong voice for maintaining adequate government funding to ensure that essential services for older adults remain accessible.

In addition to her role at JKV, Stevens also serves on the Board of Trustees for LeadingAge Southeast, where she is a passionate advocate for senior living communities across Florida. LeadingAge Southeast is a regional association dedicated to supporting nonprofit senior living and aging services organizations in the southeastern United States. It is a part of LeadingAge, a national association that represents nonprofit providers of aging services across the country.

Through her involvement with LeadingAge, Stevens engages directly with state legislators, working to shape policies that impact the senior living industry. One of her key legislative achievements was her successful efforts to delay a bill that could have imposed regulatory overreach on CCRCs. Stevens, along with colleagues from LeadingAge Southeast and the Florida Life Care Association (FLiCRA), lobbied to revise the bill’s language, preventing potential harm to CCRCs and their residents.

Her advocacy doesn’t stop there. Stevens is deeply invested in the financial stability of long-term care services, particularly in relation to Medicare and Medicaid funding. Having engaged directly with state representatives, she has been a strong voice for maintaining adequate funding to ensure that essential services for older adults remain accessible.

“Cutting reimbursement for Medicaid would be devastating and leave many seniors without the support they need,” she warns, emphasizing the critical role that policy decisions play in the sustainability of senior care services.

At JKV, Stevens continues to innovate and push for the highest standards of care. Her leadership ensures that JKV adapts to the ever-changing needs of seniors, providing a full spectrum of care that includes Gardens West (assisted living), Seaside Cove (long-term care), The Woodlands (short- and long-term rehabilitation and skilled nursing), Home Health (in-home care), and Wellness Nursing (preventative care).

Through her tireless efforts, Stevens has shaped JKV into a community that not only prioritizes the health and well-being of its residents but also serves as a model for excellence in the senior care industry. Her work continues to inspire and empower those in the field, championing a future where older adults receive the dignity, resources, and care they deserve.  Jennifer is just one of the many experts who make the experience of living at JKV unparalleled.

 

More Than a Move—A Lifestyle Upgrade

For more than 50 years, JKV has set the standard for delivering an all-inclusive, resort-style lifestyle tailored to every stage of retirement. The community offers world-class fitness programs, state-of-the-art amenities, delicious and healthy dining, and countless activities designed to promote overall well-being. Residents enjoy peace of mind with unlimited access to on-campus healthcare services, 24/7 EMTs, and security. Plus, with no time or financial limits on long-term care benefits, a Life-Plan contract at JKV provides a fiscal safety net and an unparalleled quality of life.

We invite you to experience the vibrant community, world-class amenities, and remarkable residents, and exceptional team members who all make John Knox Village extraordinary.   Contact us today to learn more and schedule a visit.

GAZETTE – June/July 2025

John Knox Village Gazette - June/July 2025 - Front page

READ THE FULL EDITION HERE!

 

 

Move-In Manager Phyllis discusses design options with two residents, Jackie and Dave while standing in the Design Center

Meet the Experts at JKV: Making Moves Easy: How Phyllis Juber Ensures Seamless Transitions

Whether it’s just around the block or across the country, moving can often be a stressful experience. Transitioning from a long-time house to a new community can be overwhelming. However, new residents to John Knox Village (JKV) in Pompano Beach, Florida, find this move refreshingly smooth. How is that possible? It’s all thanks to our dedicated Move-In Manager, Phyllis Juber, who brings a wealth of expertise to ensure a seamless transition from their old house to their new villa or apartment home at JKV.

Personalized Support Every Step of the Way

Phyllis personally meets with each new resident to understand their unique needs—whether it’s downsizing, packing, handling valuables, or making home upgrades before they move in. She coordinates with trusted vendors, oversees renovation work orders, and ensures new homes are move-in ready, complete with updated flooring, appliances, and any requested improvements.

On move-in day, Phyllis is hands-on, managing logistics, answering last-minute questions, and even providing lunch to make the experience as comfortable as possible.

A Reputation for Excellence

“Phyllis makes the process seamless,” says Kim Ali, Vice President of Sales & Marketing. “She’s a trusted resource, turning a stressful experience into an enjoyable one.”

With 12 years of dedicated service at the internationally-award-winning Life Plan Continuing Care Retirement Community, Phyllis quickly advanced from a Marketing Assistant to her current role due to her strong work ethic and attention to detail.

Prior to JKV, she spent 25 years in Sales and Marketing at an international manufacturing company, where she honed her expertise in vendor coordination, event planning, and marketing strategy—skills that now benefit every new JKV resident she assists.

Resident Testimonials: The Phyllis Difference

Residents Leland and Linda B. share their experience:

“Phyllis worked very hard for us and provided everything exactly as she promised.  As we left our 4,000 sq ft. home for our new Heritage apartment, we found the adjustment unexpectedly easy.  Phyllis became a friend whom we enjoyed working with so very much.  She has the skills to meet your needs and worked tirelessly to make our transition effortless.”

Resident Clark R. shares his experience:

“Kudos to Phyllis Juber! I had the pleasure of working with Phyllis TWICE! My first experience was moving to Cassels Tower in 2020. She helped facilitate my move—from the selection of the house movers to the day the last box was unpacked. She was patient and kind, answering all my questions. She could not have made it any easier! My second move at JKV to Westlake took place just a year ago. Many thanks to Phyllis for making everything look so easy!”

Sherri K., a resident of Village Towers, echoes this sentiment:

“Phyllis holds your hand throughout the move-in process. She has a calming effect, always positive and ready to do whatever is necessary to help. She became my friend and troubleshooter even after my move, and she’s just fantastic.”

More Than a Move—A Lifestyle Upgrade

For more than 50 years, JKV has set the standard for delivering an all-inclusive, resort-style lifestyle tailored to every stage of retirement. The community offers world-class fitness programs, state-of-the-art amenities, delicious and healthy dining, and countless activities designed to promote overall well-being. Residents enjoy peace of mind with unlimited access to on-campus healthcare services, 24/7 EMTs, and security. Plus, with no time or financial limits on long-term care benefits, a Life-Plan contract at JKV provides a fiscal safety net and an unparalleled quality of life.

Ready to Make Your Move?

At JKV, your transition to a new chapter doesn’t have to be overwhelming. With Phyllis Juber’s expert guidance, you can experience a stress-free move and start enjoying all that JKV has to offer right away.  Phyllis is just one of the many experts who make the experience of living at JKV unparalleled.

Your new adventure awaits!

We invite you to experience the vibrant community, world-class amenities, and remarkable residents, and exceptional team members who all make John Knox Village extraordinary.   Contact us today to learn more and schedule a visit.

JKV in the News: At the Apex: ‘Best in Wellness’ Senior Living Communities

John Knox Village of Pompano Beach, Florida, proudly announces being awarded a 2023 ICAA NuStep Pinnacle and Beacon Award for “Best in Wellness”.  The “Best in Wellness” awards shine a light on senior living communities that lead the way in a comprehensive and evolving approach to wellness that enhances the lives of residents and employees.

Although the Journal on Active Aging previously announced the names of 2023’s winners, they are being featured again as part of the International Council on Active Aging (ICAA) published series, highlighting the ICAA NuStep Beacon and Pinnacle Awards’ winning communities.

ICAA awards 25 senior living communities each year with their NuStep Beacon award, recognizing senior living communities that lead the industry in making wellness an integral part of community life. With only the Top 5 receiving the prestige of the Pinnacle award, John Knox Village of Florida is proud to be recognized as one of them.

 

 

Front page of article featuring 'Best in Wellness' Senior Living Communities award winners

 

 

Read the full article here!

 

 

GAZETTE – April/May 2025

READ THE FULL EDITION HERE!