We are proud to announce the 2025 Lynchburg Living Community Champions—a group of dedicated individuals whose unwavering commitment to advocacy and service has significantly enhanced our community. These champions work both within organizations and directly in the community to support vulnerable populations, providing essential resources and support to those in need.

Their tireless efforts and selfless dedication exemplify the spirit of community engagement, making a profound impact on the lives of many. We honor their contributions and celebrate their role in fostering a more inclusive and compassionate environment for all residents of Lynchburg.

Their work inspires us all to join in the effort to create lasting positive change in our community.

Annie Stewart Lambert

Annie Stewart Lambert
Award-Winning Author, Musician, Mental Health Coach, and Community Cheerleader
LynchburgVAChurch.com and TheNarrowWay.co

How did your journey of community service/philanthropy begin? What inspired you to start giving back to your community? For years, I carried the secret of surviving childhood sexual and physical abuse that nearly crushed me. But out of that darkness, God gave me a new voice, a voice not only for myself, but for others who could not yet speak. Writing, music, and faith became my way to survive, and then my way to serve. What began as brokenness became a calling to bring healing wherever it was needed most.

Can you describe the primary causes or initiatives you are passionate about? Are there specific issues or populations you are most dedicated to supporting? I am devoted to mental health advocacy, faith-centered healing, and amplifying the voices of survivors of all different types of trauma and abuse. I love celebrating the people of our city who exhibit compassion and kindness.

What organizations or projects are you currently involved with? In what capacity do you work with these organizations? I lead LynchburgVAChurch.com, documenting my journey to visit all of the hundreds of churches in our city as well as leading TheNarrowWay.co. I am the author of bestselling Christian books, and this journey has people following in more than 120 countries. My music, born from both grief and faith, streams worldwide. I also serve as a mental health coach and advocate for survivors and work for World Help, a Christian humanitarian aid organization.

What have been the most impactful moments or achievements in your community work? Is there a particular experience or accomplishment that stands out? The most powerful moment of my life was breaking years of silence about abuse. It was terrifying, but necessary. When I spoke, I discovered my story was not mine alone. Survivors came forward, saying, “Because you spoke, I can too.” That moment ignited a movement in my heart that has never stopped. My first book, The Fig Tree Withered But She Lived, became a number one new release and best seller, proof that God can break chains for folks far beyond our city. Recognition as Best Civic Leader for the last two years is humbling, and the truest reward is hearing from someone who whispers, “Your words saved me.” That is why I will never stop speaking, writing, and serving.

Any final thoughts or messages you’d like to share with the community?

Every street, every church, every neighborhood in Lynchburg carries both beauty and brokenness. What will define us is not whether brokenness exists, but whether we dare to see it and respond with love. When we notice the unseen, we step into the highest calling of community!

Adedamola “Dammy” Onafowokan

Adedamola “Dammy” Onafowokan
Grant Project Director for the Lynchburg Adult Recovery and Bedford Family Recovery Courts (LARC & BFRC)
Horizon Behavioral Health

How did your journey of community service/philanthropy begin?

What inspired you to start giving back to your community? My inspiration to give back to the community comes from my parents. Growing up, they always modeled giving back to the community and giving to others as predicated by their Christian faith. I observed this all through my childhood and it’s an example that has guided me in my personal and professional journey through life. I started at Horizon as a Mentor Coordinator for at-risk youth at Horizon in 2013 and it has been an honor to give back to a community that has given so much to me and my family.

What have been the most impactful moments or achievements in your community work? Is there a particular experience or accomplishment that stands out? The most impactful moments for me are easily the graduations of our recovery court participants.

To see the culmination of all their hard work, aided by our collaboration and assistance, is truly gratifying. We routinely first encounter our participants at a low point in their lives. To watch them battle through adversity, setbacks and challenges, and come out on the other side with new leases on life, their sobriety, and a newfound appreciation for their community and their families, is truly satisfying. I cannot point to a singular accomplishment that stands out to me, however, interacting with our participants outside of the courtroom setting during our pro-social outings and watching them interact with their kids or just enjoying the community of which they are a part of is extremely fulfilling.

Who or what has been the biggest influence on your work in the community? Are there individuals, organizations, or experiences that have shaped your approach to service? The biggest influence on my work in the community is living and raising a family in that very same community. Having come to Lynchburg for college, then also living in Lynchburg, Amherst, and now Bedford County, I am personally invested in the flourishing and well-being of this area not only for my job, but for my family that calls this region home. From my church, my co-workers at Horizon, to the numerous community partners and wonderful individuals I’ve had the pleasure of working with over the years, each of them has taught me something about what it means to serve.

How do you think others can get involved or contribute to the causes you are passionate about? Our recovery courts are always in need of sponsors for our participants, community partners to provide opportunities for employment or community service where applicable and general support and encouragement to those making strides towards recovery. There are myriad ways to get involved.

Hayley Jones

Hayley Jones
Community Engagement Coordinator (PSG) & Program Director (GOTR)
Pierce Street Gateway & Girls on the Run Central Virginia and Blue Ridge

How did your journey of community service/philanthropy begin? What inspired you to start giving back to your community? I had the privilege of growing up overseas and had a unique opportunity to do humanitarian work with refugees alongside my family in middle and high school.

Those experiences definitely shaped who I am today and gave me a passion for volunteer work and for giving back to my community. From there I went on to study Social Work in college, and found a love for working with non-profits here in Lynchburg through my internship that I did with Girls on the Run at the time.

What organizations or projects are you currently involved with? In what capacity do you work with these organizations? I currently work for Girls on the Run Central Virginia & Blue Ridge as their Program Director for the greater Lynchburg area, and with Pierce Street Gateway as their Community Engagement Coordinator. I also get to work with the Lynchburg Area Youth Sports Initiative and Liveable Lynchburg as a volunteer.

What have been the most impactful moments or achievements in your community work? Is there a particular experience or accomplishment that stands out? It’s incredibly difficult to pinpoint one single impactful experience. There have been countless moments and interactions that have been impactful, help to bring me back into focus, and remind me of why this work is so incredibly important. I think that all of my favorite moments have a common thread, and that is relationships. Whether it’s a Girls on the Run participant who remembers me visiting her school coming to hug me at the 5K, a Girls on the Run Coach coming over to catch up when we run into one another, or a neighbor from Pierce Street stopping by to chat on a Saturday morning in the community garden, the moments that are the most impactful all happen because we’ve built a genuine community. Showing up, being present, and putting yourself out there to develop real, personal relationships can be difficult, but the rewards far outweigh the challenges.

How do you think others can get involved or contribute to the causes you are passionate about? I truly believe that you will never regret volunteering for something you’re passionate about! Whether it’s one of the organizations I’ve worked with or another cause entirely, find something you’re passionate about and reach out about volunteer opportunities.

Visit sharegreaterlynchburg.org for a great resource to help you get started!

Any final thoughts or messages you’d like to share with the community? Community isn’t something that just happens or that you stumble upon, it’s something that we have to build together. By giving back, we play a vital role in building those spaces of connection and belonging that we all desire and need. Let’s step up, give back, and grow community together.

Rex Brust

Rex Brust
President
Purple Heart Homes Central Virginia Chapter

How did your journey of community service/philanthropy begin? What inspired you to start giving back to your community? In my career I had spent 12 years in the U.S. Army followed by 40 years working for defense contractors serving the military and I retired in 2016. Prior to my retirement I went looking for an activity or group that I would enjoy working with after retirement. What I found was Rolling Thunder, a 501(c)3 veteran support group that focused on helping veterans in need. I spent 10 years with this organization developing my passion for community service with a focus on military veterans and the mental health aspects surrounding military suicides.

What organizations or projects are you currently involved with? In what capacity do you work with these organizations? I serve with three local 501(c)3 charitable organizations. I am the President of the Central Virginia Chapter of Purple Heart Homes, I am a board member of the Lynchburg Area Veterans Council, and I am the Public Relations Officer for Combat Veterans Motorcycle Association (CVMA) chapter 27-11 Lynchburg, VA.

How do you think others can get involved or contribute to the causes you are passionate about? Everyone can do something, whether that is provide volunteer labor, contribute monetarily, or simply speak positively about a community support project to elicit help for a charity, project, or individual. There are many organizations that offer help to the needy and all one has to do is get involved.

In what ways can local businesses, organizations, or individuals better support community efforts? In my many years working with charitable organizations, what I see as the key ways others can better support community efforts is to get involved. As everyone knows, 501(c)3 charitable organizations live by the generosity of others and they spend an enormous amount of time fundraising and seeking support of volunteers. Businesses and organizations could help by adopting a charity of their choosing and provide them support throughout the year. Or, they could select several charities and support their fundraising events. Individuals can help by volunteering their time even if it is just a few hours at a time.

Any final thoughts or messages you’d like to share with the community? Community organizations provide a tremendous service to the underserved and individuals in need, far more than is ever recognized. If you have the ability to help, find a charitable organization (preferably local) you believe in and get involved. You can make a difference and a positive impact on our community.

Sheriff Mike Brown & Dr. Janet Brown

Sheriff Mike Brown & Dr. Janet Brown
Founders and Advisors
Safe Surfin’ Foundation

How did your journey of community service/philanthropy begin? What inspired you to start giving back to
your community?

In 1998, our journey began as a law enforcement mission—protecting our youth from the sexual predators who exploit the Internet.

I commanded a congressionally funded Internet Crimes Against Children Task Force for 24 years. What began as an investigative duty grew into a lifelong commitment with my wife, Dr. Janet Brown, to safeguard children online and empower families through education and prevention.

Can you describe the primary causes or initiatives you are passionate about? Are there specific issues or populations you are most dedicated to supporting? We are dedicated to protecting children from online predators. With an estimated 500,000 predators online at any moment, school-aged youth remain the most vulnerable population. Our mission is to shield them through education, advocacy, and proactive prevention programs.

What have been the most impactful moments or achievements in your community work? Is there a particular experience or accomplishment that stands out? One of the most impactful moments in my law enforcement career was arresting “Dr. Evil” in 2000—a predator from North Carolina who targeted preteen girls. Beyond that single case, the creation of the CyberSwat program has been transformative—empowering students to teach their peers about online safety. This innovative youth-led initiative has expanded across schools, mentoring young leaders to confront issues such as cyberbullying and exploitation head-on. Our work has also influenced state and national policy, including mandated internet safety education in West Virginia. These achievements—direct arrests of offenders, pioneering prevention programs, and legislative victories—are milestones that stand out in our fight to protect children.

How do you think others can get involved or contribute to the causes you are passionate about? Visit safesurfin.org to volunteer, partner, or make a donation. Every contribution strengthens our mission to protect children and support families in navigating the digital world safely.

Any final thoughts or messages you’d like to share with the community? Protecting children online is not just law enforcement’s job—it’s a shared responsibility; a calling that belongs to all of us. When families, schools, businesses, and law enforcement stand united, predators lose their power.

Every act of service—whether teaching, mentoring, or donating—builds a safer tomorrow. Together, we can create a community where every child grows up safe, and has access to the bright future they deserve. Every effort, large or small, makes a difference. Please, consider helping us in our mission.

Amenities That Make Senior Living Feel Like Home

Today’s senior living experience looks far different than it did even a decade ago. What once centered primarily on safety and support has evolved into something broader—communities that foster independence, connection, and joy. Across Central Virginia, senior living providers and in-home care agencies are designing spaces and programs that go beyond the basics, blending comfort with creativity and care with community.

Everyday Comforts, Thoughtfully Designed

At Runk & Pratt Senior Living Communities, daily convenience and modern wellness go hand in hand. “It’s the everyday support—done reliably—that truly changes the day,” said Vickie Runk, CEO of Runk & Pratt Companies.

“Chef-prepared meals, housekeeping, dependable transportation, and on-site nursing oversight keep life simple and safe. What’s new is how we combine those comforts with modern wellness and engagement: therapy that comes to you, brain-health and fitness built into the calendar, and technology that reduces risk without feeling intrusive.”

Residents, she said, benefit most from the freedom that consistency allows. “Home starts with choice,” Runk said. “Our apartment-style options let you set your pace, then step out to shared dining, clubs, worship services, and outings. The goal is a world without walls—bring services in, and keep people connected by going out.”

Bringing Care Home

For those who prefer to age in place, BrightStar Care provides a full continuum of in-home services designed to meet clients wherever they are. “Our agency’s goal is to provide the right type of assistance that allows residents of all ages to remain safely and comfortably in their homes—wherever ‘home’ is—an apartment, single family, or a senior living neighborhood,” said Jenifer Alty Massie, Regional Sales and Marketing Director, speaking alongside Regional Director of Operations Andrew Butler and owners Kerry and Rob Massie.

From companion care and meal preparation to skilled nursing, the agency’s model is built on flexibility. “We tailor the care to the client’s current needs,” Alty Massie said. “Care is provided wherever the client calls home.”

BrightStar is also the only home care agency in the area accredited by The Joint Commission—a distinction that reflects their focus on excellence. “That third-party oversight assures we meet a higher standard in home care,” she said. “As their needs change, we change with them.”

Connection and Compassion

At Bentley Commons at Lynchburg, connection is both a philosophy and a practice. “They are very appreciative that we provide 24/7 nursing care with LPNs/RNs on staff and/or on call to give care for our residents, as well as having a MD/Nurse Practitioner who comes to see them in their home on a weekly basis,” said Kristi Taylor, Director of Community Relations.

The community’s design and programming encourage residents to live with confidence and autonomy.

“It’s important to us that our residents feel a sense of pride when they’re at home with us,” Taylor said. “We encourage them to make their apartments their homes and encourage them to move about the community as independently as they can, to connect with their peers in a variety of ways during activities and meals, and to let us know how we can best support them when they need a little extra help.”

From its large apartments and pet-friendly policies to its in-house therapy team and fenced backyard walking path, Bentley Commons offers a space where residents can remain active and social—while knowing help is always nearby.

“With tenured staff that care about our residents like their own family,” Taylor said, “everyone gets the care they deserve.”

A group of four multi-ethnic seniors sitting together on patio furniture outdoors, talking and smiling, drinking tea or coffee. One of the men and the African American senior woman are toasting with their cups. They are in retirement, relaxed and enjoying spending time with friends.

Culture and Community at The Summit

For The Summit, a LifeSpire of Virginia community in Lynchburg, amenities are important—but people come first. “It’s not even the services or amenities, it’s the people and the culture,” said Brenda Dixon, Marketing Director. “While The Summit offers a beautiful campus with 125 acres, a lake, and walking trails right in the heart of Wyndhurst, along with robust event programming, it’s the truly interactive, welcoming, and inclusive nature of the people who live and work here that makes the biggest difference.”

That same spirit drives the community’s ongoing $80 million expansion, which will include multipurpose spaces for gatherings, volunteering, clubs, and entertainment. “People want choices and they want to make decisions for themselves,” Dixon said. “By creating spaces, organizing events, and designing programming that supports the people who live here, we foster relationships, independence, and a strong sense of community.”

The expansion’s showpiece—Blue Ridge Commons—will feature a 14,000-square-foot wellness center and a saltwater pool with retractable doors and massive windows. “This design gives people the experience of being indoors while feeling outdoors,” Dixon said. “With easy access to go back and forth when the weather is nice, it creates a truly unique and appealing space.”

Hospitality Meets Heart

At Westminster Canterbury Lynchburg, wellness and hospitality intertwine to create a vibrant, engaging environment. “With home maintenance gone, our residents have more time to spend doing as they wish,” said Trish Chapman, Director of Marketing.

Residents enjoy three distinct dining venues, each with its own personality. The Canterbury Café offers soups, salads, brick-oven pizzas, and alfresco dining; the James River Grille provides a relaxed, country-club atmosphere with fresh, locally inspired fare; and the Dogwood Dining Room delivers an elegant dinner experience with seasonal menus and fine dining favorites like lobster tail and scallops.

“Our amenities are designed to enhance not just daily living, but the overall sense of community and well-being,” Chapman said. “Whether sharing a meal with friends, attending a concert, walking the nature trail, or joining a fitness class, residents have countless opportunities to build meaningful relationships and stay engaged in community life.”

Creativity also thrives at Westminster Canterbury, where residents enjoy access to an art studio, woodworking shop, and heated indoor pool for group fitness and water aerobics. “Our Wellness Center embodies a holistic philosophy, offering spaces and programs that nurture physical, emotional, and spiritual well-being,” Chapman said. “Our Person-Directed Living program ensures that care and services adapt to each individual’s preferences and needs.”

As a continuing care retirement community, Westminster Canterbury offers 5-Star healthcare—fully owned and operated on campus. “This ensures that residents receive the highest level of service, attention, and continuity of care—all within a warm, welcoming environment they’re proud to call home,” Chapman said.

A Shared Mission: Living Fully

Whether it’s Runk & Pratt’s multisensory memory support rooms, BrightStar’s at-home flexibility, Bentley Commons’ family-like atmosphere, The Summit’s resort-style amenities, or Westminster Canterbury’s emphasis on wellness and choice, Central Virginia’s senior living leaders share a single mission:
to help residents live with freedom, connection, and joy.

“We’re family-owned and local, so we know people by name and build programs that truly matter here,” Runk said. “Our continuum—independent living, assisted living, memory support, and daytime adult day—keeps friends together and keeps care personal when needs change.”

Alty Massie echoed that sentiment. “What truly sets us apart is our unwavering commitment to being a trusted resource and guide for families navigating the complexities of aging and care,” she said.

From independent living to continuing care, the message is the same: home should feel open, vibrant, and full of possibility—no matter where you find it.

Back to 2025 Senior Planning Guide

By the time most people reach retirement, they’ve built a lifetime of savings, assets, and personal information—exactly the kinds of things scammers want most. From fake IRS calls and fraudulent investment opportunities to convincing text messages about package deliveries, modern scams are more sophisticated than ever. And while seniors are often the targets, experts say anyone can fall for them.

An Evolving Threat

Attorney Sara Pope, owner of Sara Pope Law PLLC, has seen a sharp rise in technology-driven scams in recent years. “I often have clients or prospective clients call with questions about mailings, phone calls, or emails that look like they are from a government entity, claiming they owe additional fees or expenses related to their property, or payments for Medicare,” she said. “With AI, the scams are getting more sophisticated, that is for sure!”

Attorney Peter Holstead Davies of Davies & Davies noted that emotional manipulation is one of the most common tactics. “People have gotten calls saying that their child or grandchild is in trouble, such as being held in jail, and that money needs to be sent ASAP,” he said. “We have had people receive calls saying that they won a prize and need to send in money to receive the prize.”

Attorney Ron Feinman, Managing Attorney at Virginia Elder Law, PLC, said that scams increasingly arrive through everyday technology. “Emails with attachments or links, even if they look like they are coming from someone you know,” he said. “Scammers can make an email look like it is coming from someone you know or a site you trust, but it’s not—click on the link and download malware that will steal your identity or your money or both. Always check directly with the source to make sure the email is really from them.”

The combination of high emotion, perceived authority, and digital realism often makes even cautious people act quickly—sometimes before realizing something is off.

Weighing up their wealth management options

Subtle Signs and Smart Habits

Not all scams are easy to spot. “Oftentimes, there aren’t warning signs,” Pope said. That’s why maintaining open communication and a culture of transparency is so important. “If you have a senior citizen in your life, talk to them frequently and let them know you are here for them,” she said. “Many people in that generation don’t want to bother their neighbor or family member. Let them know you are a resource if they have questions about anything.”

Davies agreed that vigilance and oversight can go a long way. “Someone may want to watch over the finances,” he said. “And maybe someone should watch the watcher… Some people have privacy concerns and do not want their family knowing their financial business, but transparency may allow others to help by keeping an eye on things.”

Feinman added that family awareness often reveals early red flags. “Lots of new charges on their account, your older relative being secretive about their spending, or a new ‘best friend’ helping with their finances can all be warning signs,” he said.

Seniors can also take small, proactive steps to protect their digital and financial accounts:
• Never click on links in texts or emails from unknown sources. Instead, visit the company’s official website or app directly.
• Use strong, unique passwords and consider a password manager such as LastPass or OnePass to securely store them.
• Enable two-factor authentication (2FA) for online banking and credit cards to receive real-time fraud alerts.
Pope shared how one simple security measure protected her personally. “This one thing personally saved me $14,000 once,” she said. “Because I set up fraud alerts, I received a text that my credit card had a $14,000 transaction from Las Vegas. Someone had stolen my credit card data while I was traveling… The credit card fraud claims office handled it immediately. I didn’t have to pay a dime.”

Legal and Financial Safeguards

While technology helps prevent certain kinds of fraud, other protections are best built into a person’s financial and estate planning. Pope recommends establishing safeguards before a problem arises.

“If someone is older, disabled, or needs money management, it is often a good idea to have a power of attorney in place,” she said. “This allows a trusted person to have access to your accounts and can monitor activity for you, pay your bills securely, and work with your banks if needed.”

She also noted that a revocable trust can offer additional security for property and assets, while title insurance and identity-theft protection can help recover costs if a scam does occur. “The best way to mitigate risk,” she added, “is to have a trusted advisor or friend you can talk to if you receive a communication that you are not sure about. I always tell my clients that if it is a REAL government agency, you ALWAYS have time to verify later. Never act out of fear or impulse and pay immediately. Talk to someone first.”

Feinman suggested taking advantage of safeguards already available through financial institutions. “Be sure to include a ‘trusted contact’ for any brokerage or investment account,” he said. “The investment firm will notify this person if it spots anything suspicious. This is a free service offered by all legitimate firms.”

He also encouraged families to revisit these precautions regularly. “The scams are getting more sophisticated every day—keep reminding yourself: never send money or click a link without contacting the other party through a means you initiate.”

Davies added that legal oversight doesn’t mean giving up independence. “Having someone oversee finances can be helpful,” he said. “It is important that someone not feel like they’re giving up their rights to conduct their own business, but having a second set of eyes on spending can help mitigate loss.”

When It Happens—Not If

Even the most careful person can still become a victim. If you suspect you’ve been scammed, act quickly. Pope advises starting with law enforcement. “You should first file a police report and they can direct you on immediate steps,” she said. “If this involves identity theft, you should also contact the Federal Trade Commission and file a report with that agency. After this, contact your bank, credit card companies, and the three major credit bureaus… to place a fraud alert on your credit file (this is free).”

Feinman outlined additional immediate steps: “Contact all bank and other financial accounts and place a hold except for automatic payments already established. Call all three credit bureaus and put an immediate hold on your credit accounts. Contact all credit-card companies and cancel your cards to get new ones. Call your lawyer and your family and ask for help.”

Most importantly, Davies said, don’t let shame stop you from seeking help. “Don’t feel like it’s your fault,” he said. “Scammers are increasingly sophisticated, and the sooner someone shares concerns with trusted family or friends, the sooner they can get help.”

Financial exploitation thrives in secrecy, but open conversations—within families, with advisors, and with community resources—can make all the difference. For local support, Pope points to organizations like the Beard Center on Aging and the Central Virginia Alliance for Community Living, both of which provide education and advocacy for older adults.

Protecting against scams isn’t about fear; it’s about empowerment. With a few smart safeguards and the right people in your corner, peace of mind is possible.

Disclaimer: This article is intended for general informational purposes and is not intended to be legal advice. Consult an attorney if you need legal advice.

Back to 2025 Senior Planning Guide

A single-serve treat that comes together in minutes—spiced with molasses, ginger, and cinnamon.

Ingredients:
3 tablespoons all purpose flour
1 tablespoon nut butter of your choice (peanut butter, almond butter, cashew butter, etc.)
2 teaspoons brown sugar, packed
1 teaspoon molasses
2 tablespoon milk of your choice (dairy milk, almond milk, soy milk, oat milk, cashew milk, etc.)
¼ teaspoon ground cinnamon
¼ teaspoon ground ginger
¼ teaspoon ground nutmeg
¼ teaspoon ground cloves
¼ teaspoon baking powder
Pinch of sea salt

Directions:
Spray a microwave safe coffee mug with cooking spray or wipe with a light layer of neutral oil or butter.

Whisk all ingredients directly inside of the mug until a cake-like batter is achieved.

Microwave for 60 to 75 seconds, just until the cake rises and the center is set.

Enjoy warm, topped with whipped cream, powdered sugar, or sprinkles (or all three!) if desired.

Same cozy base, two directions: one sweet for late-night cravings, one bright for holiday mornings.

Convert this recipe to a Citrus Glazed Gingerbread Mug Cake – Stir in a teaspoon of orange zest before microwaving, then drizzle with a quick glaze made from powdered sugar and orange juice.

Read more recipes from the 12 Cakes of Christmas

The holiday season arrives with plenty of sparkle—family gatherings, twinkling lights, and the spirit of generosity. But behind the festive cheer, it’s also the time of year when financial stress tends to creep in. From the endless gift lists to travel expenses and seasonal splurges, many households start January staring down credit card bills they wish they’d avoided.

Financial wellness doesn’t mean skipping out on the holiday fun. Instead, it’s about creating balance: enjoying meaningful traditions and celebrations without setting yourself up for months of stress. With a little planning and a shift in perspective, you can celebrate fully and still feel confident about your financial health as the new year begins.

Start With a Holiday Budget

The first step toward financial wellness during the holidays is clear-eyed planning. A budget acts like a roadmap—it tells your money where to go rather than leaving you to wonder where it went.

List anticipated expenses. Gifts are often the first thing that comes to mind, but don’t forget wrapping supplies, holiday meals, travel costs, decorations, or year-end charitable giving.

Set a spending cap.

Be realistic about what you can afford, and remember that this number should fit within your overall monthly budget.

Use cash or debit when possible. This prevents overspending and ensures you don’t rely on credit cards to cover gaps.

A good rule of thumb is the “50/30/20” guideline: no more than 50 percent of income toward needs, 30 percent for wants, and 20 percent for savings or debt repayment. Your holiday spending should come from the “wants” category—not from funds that cover essentials or your emergency savings.

Rethink Gift Giving

For many families, gifts account for the bulk of holiday spending. But thoughtful giving doesn’t have to mean extravagant price tags. In fact, some of the most memorable gifts are the ones that carry personal meaning rather than a high price point.

Experiences over things. Tickets to a show, a day trip, or even a homemade “coupon” for babysitting or a shared meal often create lasting memories.
Set family limits. Consider drawing names for a gift exchange instead of buying for every relative, or set spending caps so no one feels pressured
to overspend.

Make it personal. Handmade gifts, framed photos, or passing along a treasured family recipe cost little but carry enormous sentimental value.
Reframing the gift-giving mindset also teaches children valuable lessons. Instead of focusing on quantity, encourage them to consider why they are giving—and what will genuinely make the recipient feel loved.

Plan Ahead for Holiday Meals and Travel

The holiday table is another place where budgets often balloon. Between hosting family dinners, contributing to potlucks, or covering extra grocery runs, food expenses add up quickly.

Create menus early. Planning meals in advance allows you to shop strategically and take advantage of sales.

Share the load. Encourage family-style celebrations where everyone contributes a dish. This cuts costs for the host and makes gatherings more collaborative.

Be mindful of travel. If trips are part of your traditions, book flights or accommodations early, and look for off-peak travel days. Even shifting travel by a single day can result in big savings.

Avoid the January Blues

One of the most common regrets people report is starting the new year saddled with holiday debt. January can feel like a financial hangover if the bills outweigh the memories. Preventing that means keeping future you in mind while celebrating in the present.

Track spending in real time. Use a budgeting app or a simple spreadsheet to log purchases as you go.

Resist impulse buys. Sales can be tempting, but remind yourself that saving 30 percent is still spending 70 percent.

Consider sinking funds. If possible, start saving for the next holiday season in January. Setting aside a small amount each month spreads the financial load across the year.

Focus on Meaning, Not Money

It’s worth remembering that the heart of the holiday season isn’t about material abundance. What we cherish most are often the simple moments: gathering around the table, caroling with neighbors, or watching a child’s eyes light up at a holiday parade. These experiences cost little but carry deep value.

Consider starting new traditions that emphasize connection over consumption:

• Volunteering as a family at a local nonprofit.
• Hosting a cookie swap instead of buying dozens of store-bought treats.
• Taking a neighborhood walk to enjoy holiday lights.
• These traditions enrich the season without straining the budget, and they often become the most cherished memories

Enter the New Year Confident

Financial wellness is about more than numbers—it’s about peace of mind. By managing holiday expenses intentionally, reframing the way you give, and keeping perspective on what matters most, you can start the new year with a sense of confidence rather than anxiety.

The holidays are fleeting, but the financial decisions you make now linger into the months that follow. With thoughtful planning and a focus on meaning, you can create a holiday season that’s joyful, memorable, and financially healthy.

Three Quick Tips for Stress-Free Holiday Spending

1. Set a Limit and Stick to It
Decide how much you can spend this season and divide that across gifts, meals, and extras. Keep it written down so you don’t lose track.
2. Shop with Intention
Make a list before you shop—online or in-store—and avoid browsing without a plan. Impulse buys add up faster than you think.
3. Give the Gift of Time
A handwritten letter, a homemade treat, or a day spent together often means more than anything you can buy.

Ingredients:
1 cup all purpose flour
1 teaspoon baking powder
¼ teaspoon salt
¼ cup sugar
1 egg
¼ cup sour cream
4 tablespoons milk
5 tablespoons butter melted and divided
1 teaspoon vanilla extract
½ cup chopped fresh cranberries (can use frozen)
½ cup white chocolate chips
Sugar for coating

Directions:
Preheat the oven to 350 °F.

In a bowl mix together your dry ingredients and stir to combine.

Add your egg, sour cream, milk, 1 tablespoon butter, and vanilla extract and stir until just combined.

Fold in your cranberries and white chocolate chips.

Spray your loaf pan with non-stick cooking spray and pipe or spoon your donut batter into wells.

Bake for about 30-35 minutes, or until a toothpick inserted into the center comes out clean.

Remove your loaf pan from the oven and invert onto a cooling rack, let cool until able to handle.

Brush the top of the loaf pan with remaining melted butter and sprinkle on sugar

Read more recipes from the 12 Cakes of Christmas

Senior-Friendly Getaways and Planning Tips

Travel doesn’t have an age limit—it simply requires a little more preparation and a thoughtful approach. For today’s active seniors, getting away offers more than sightseeing; it provides opportunities for connection, learning, and renewed vitality.

Whether it’s exploring Virginia’s scenic trails, joining a group tour abroad, or visiting family across the country, travel is one of the most rewarding ways to stay engaged and energized.

Fortunately, with a few smart strategies and resources, travel can be comfortable, safe, and stress-free—no matter the destination.

Start with the Right Destination

The best trips begin with realistic planning. For seniors, that often means choosing destinations that match your energy level, mobility, and interests. Look for places that offer a balance of relaxation and exploration, such as walkable historic districts, coastal towns with accessible boardwalks, or resort areas with on-site amenities.

Cruises remain a popular option because they combine travel, dining, entertainment, and healthcare access all in one place. Closer to home, many find that small-group tours or guided bus trips provide structure without the stress of logistics. And for those who prefer independent travel, choosing a home base—like a cozy inn, vacation rental, or resort—allows for flexible day trips without overexertion.

If international travel is on your list, focus on destinations known for accessibility and reliable medical infrastructure. Western Europe, Canada, and select parts of Asia (such as Japan and Singapore) are known for organized public transit and senior-friendly attractions.

Pack Light, Plan Smart

Mobility and comfort are key to an enjoyable trip. When possible, pack only what you can easily carry, and opt for lightweight luggage with spinner wheels. Choose wrinkle-resistant clothing that can be mixed and matched, and keep essential medications in your carry-on—along with a printed list of prescriptions and your doctor’s contact information.

It’s also wise to make digital and physical copies of important documents such as your passport, ID, travel insurance policy, and itinerary. Store one set in your suitcase and another with a trusted family member at home.

Technology can be a major advantage for senior travelers. Smartphone apps like TripIt, Roadtrippers, and Google Maps help organize itineraries and directions, while translation and currency apps make international travel easier than ever.

Build in Rest and Flexibility

One of the great joys of retirement travel is having the time to slow down. Avoid overbooking your days—schedule one or two main activities and leave room for rest or spontaneous exploration. Consider staying longer in one location rather than rushing through several.

Many seniors find it helpful to book flights and tours during off-peak hours to reduce crowds and stress. If you’re driving, plan frequent stops to stretch and hydrate. If you’re flying, request wheelchair assistance in advance or ask for a seat closer to the front of the plane for easier boarding.

Rest days aren’t wasted time—they’re what make travel sustainable and enjoyable. Use them to explore local cafés, stroll through markets, or simply enjoy the scenery from a comfortable spot.

Prioritize Health and Safety

Before traveling, check with your healthcare provider to make sure you’re cleared for the trip, especially if you have chronic conditions. Discuss vaccinations or medications that might be needed for certain destinations.

Travel insurance is a must, particularly for international trips. Look for policies that cover trip cancellations, lost baggage, and medical emergencies abroad. It’s also wise to research the nearest hospital or clinic at your destination ahead of time.

When booking accommodations, look for properties with accessibility features like elevators, walk-in showers, and grab bars. If you use mobility aids, contact hotels or tour companies beforehand to confirm they can accommodate your needs.

Stay Connected

Part of safe, enjoyable travel is staying connected to loved ones. Share your itinerary and contact details with a family member or friend, and check in regularly. Many seniors use group chats or video calls to keep loved ones updated on their adventures—it’s an easy way to stay in touch and provides peace of mind for everyone.

If you’re traveling solo, consider joining senior travel groups or guided tours. They not only handle logistics but also provide a built-in social experience. Many companies now offer senior-specific travel packages with accessible transportation, slower-paced schedules, and opportunities for shared experiences with like-minded travelers.

Rediscover the Joy of the Journey

Travel in later life isn’t about racing through bucket lists—it’s about savoring each experience. Whether it’s hearing the ocean from your balcony, tasting a local specialty, or discovering a hidden garden, travel enriches the mind and soul.

With the right planning and a willingness to adapt, seniors can continue to explore the world safely, comfortably, and joyfully. Because travel, at its heart, is less about distance—and more about discovery.

Back to 2025 Senior Planning Guide

A soft, delicate white chocolate sponge layered with peppermint-kissed buttercream and topped with crushed candy canes for holiday crunch.

Photo by Ashlee Glen

Ingredients: For the Cake
10 oz white chocolate
1 ¼ cups milk room temperature
2 ¼ cups all purpose flour
2 ½ teaspoons baking powder
½ teaspoon salt
10 tablespoons unsalted butter, room temperature
1 ¼ cups granulated sugar
4 large eggs room temperature
2 teaspoons vanilla extract

For the Frosting
1 ¼ cups granulated sugar
⅔ cup water
5 large egg whitespinch of salt
1 lb unsalted butter, room temperature
2 teaspoons vanilla extract
½ teaspoon peppermint extract

Directions:
Preheat oven to 350°F. Grease and flour two 8-inch cake pans.

Mix the white chocolate and milk together in a microwave safe bowl. Melt the white chocolate and mix together in the microwave, at 30 second intervals, until smooth; let cool slightly.

In a bowl, whisk together flour, baking powder, and salt.

In a separate bowl, cream butter and sugar until light and fluffy. Add eggs one at a time, then mix in vanilla.

Add ⅓ of the flour mixture into the butter mixture and mix until just combined. Add half of the melted white chocolate mixture and stir until just combined. Add another ⅓ of the flour and stir to combined. Add the remaining white chocolate mixture followed by the remaining flour mixture.

Divide batter evenly between pans (it helps to use a kitchen scale here), bake 25–30 minutes, or until a toothpick comes out clean. Cool completely.
To make the frosting, mix together the sugar and water in a small saucepan and cook until it is 238 degrees F. Do not stir.

While the sugar is cooking, clean and dry your mixer. Whip the egg whites and add the pinch of salt. Whip until the whites form stiff peaks.

Once the sugar is at the right temperature, turn the speed of the mixer to medium-high and carefully pour the mixture between the whisk and side of the bowl. Do not scrape in the sugar (and be mindful to not get any sugar on you, as it will be quite hot).

Once all the sugar is in the mixer, beat on high until the meringue is cooled to room temperature. Turn down the speed and slowly add the butter, one tablespoon, at a time until it is fully incorporated. Stir in the extracts (tasting as you add the peppermint).

Frost your cake with your icing and decorate as desired—with white sprinkles, sanding sugar, crushed peppermint.

Read more recipes from the 12 Cakes of Christmas

Is there anything more quintessentially Christmas than a fruit cake? This rich, spiced loaf filled with dried fruits and nuts is brushed with brandy for depth and moisture.

Ingredients:
¾ cup unsalted butter, diced into small cubes
1 packed cup light brown sugar
2 ⅔ cups mixed dried fruit
1 cup glacé cherries, roughly chopped
1 cup dried cranberries
Zest and juice of 1 orange
Zest of 1 lemon
½ cup cherry brandy + 4 tablespoons, separated
½ cup ground almonds (coarsely ground)
3 large eggs, lightly whisked
1 ⅔ cup all purpose flour
½ teaspoon baking powder
1 teaspoon ground mixed spice
1 teaspoon cinnamon
1/4 teaspoon ground allspice

Directions:
In a large saucepan, combine the unsalted butter and brown sugar.

Add the mixed dried fruit, glacé cherries, and dried cranberries. Stir in the orange zest and juice, the lemon zest, and ½ cup of cherry brandy.
Heat this mixture over medium heat until it gently bubbles, then simmer for about 10 minutes, stirring occasionally. After 10 minutes, set the pan aside to cool slightly.

Preheat oven to 300°F.

Line an 8-inch springform pan with parchment paper.

To the cooled fruit mixture in your saucepan, add the coarsely ground almonds and stir well.

Add the eggs to the mixture, stirring until fully combined and smooth.

In a separate bowl, whisk together all purpose flour, baking powder, mixed spice, cinnamon, and allspice.

Gradually incorporate the dry ingredients into the fruit mixture, stirring until well combined.

Spoon the mixture into the prepared springform pan and spread evenly.

Bake for 45 minutes.

After 45 minutes, reduce the oven temperature to 275°F and continue baking for an additional 60 to 75 minutes, or until the top of the cake turns a dark, golden brown and a skewer inserted into the center comes out clean. If the top is starting to look too dark while baking, tent the pan with foil.

Once the cake is baked, remove it from the oven and use a skewer to make 10 to 12 holes across the surface.

While the cake is still warm, drizzle 4 tablespoons of cherry brandy over the top, allowing it to soak in.

Let the cake cool completely in the pan before removing it. Store in an airtight container at room temperature.

Read more recipes from the 12 Cakes of Christmas

Caramelized pecans crown a moist pumpkin-spice cake flipped after baking for dramatic presentation.

Photo by Ashlee Glen

Ingredients:
For the Pecan Topping:
1/4 cup salted butter, room temperature
1/3 cup light brown sugar, lightly packed
1/4 cup pure maple syrup
1 teaspoon vanilla extract
1/4 teaspoon ground cinnamon
1 cup roughly chopped pecans

For the Pumpkin Cake:
1/4 cup neutral oil
1/2 cup granulated sugar
1/2 cup light brown sugar, lightly packed
2 large eggs, room temperature
1/8 cup Greek yogurt, or sour cream
3/4 cup pumpkin puree
1 cup all purpose flour
2 teaspoon baking powder
1/2 teaspoon baking soda
1/2 teaspoon fine sea salt
1 teaspoon cinnamon
1/2 teaspoon nutmeg
1/2 teaspoon ginger
1/4 teaspoon ground cloves
1/4 teaspoon allspice

Directions:
Pecan Topping
Preheat the oven to 350°F and grease and line a square 8-inch baking pan with butter and parchment paper.

Combine the butter, brown sugar, and maple syrup in a saucepan, and heat on medium-low. Whisk until the butter is melted and the mixture is smooth. Remove from the heat and fold in the vanilla, cinnamon, and pecans.

Spread the pecan mixture evenly into the prepared pan and set aside.

Pumpkin Cake
In a large bowl whisk together the oil with the sugars until they’re well combined. Add the eggs, one at a time.

Whisk in the yogurt and pumpkin and mix until smooth.

Mix in the flour, baking powder, baking soda, salt, and spices and stir until the flour is fully incorporated.

Spread the cake batter over the pecan topping and bake for 40-45 minutes.

Let the cake rest for 10 minutes and then invert on top of a cutting board or cake plate.

Remove the parchment paper and, while the cake is still warm, gently score the cake into even squares.

This will help you cut the cake once it’s cooled and set.

Read more recipes from the 12 Cakes of Christmas