They’ve become like family to me. And that’s what I want every senior and their loved ones to know: downsizing isn’t just a real estate decision — it’s a life planning decision.

Uncertainty is a constant. This isn’t an argument against planning. It’s a call to rethink what planning is for.

Without proper planning, a generous act could backfire. If the art was self-created or held as inventory, deductions are limited to the cost basis, often negligible, rather than market value.