Health Benefits of Walking

Walking pic


Based in Sacramento, Carolyn M. Young provides fiduciary services to clients in six counties throughout the state. Approximately 15-20 percent of the fiduciary services Carolyn M. Young provides to her clients are pro bono. Outside of work, Ms. Young walks approximately 5 miles each day.

Below are three major health benefits of walking.

1. Improves mood and cognitive function: Studies show that walking can help to reduce the symptoms of depression. Women who walk at least 1.5 hours per week have been found to have better cognitive function than those who spend less than 40 minutes per week walking.

2. Prevents type 2 diabetes: Walking at least 150 minutes per week and losing 7 percent of one’s body fat—equivalent to 12-15 pounds—can help to reduce the risk of diabetes by almost 60 percent.

3. Strengthens the heart: Research shows that the mortality rates for men who walk less than a mile each day are higher than those who walk in excess of 2 miles each day. For women who walk more than 3 hours per week, their risk of heart attack is reduced by 35 percent compared to women who do not walk.


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Common Terms Used When Handling Trusts


Carolyn M. Young Fiduciary Services pic

Carolyn M. Young Fiduciary Services

As president and owner of Carolyn M. Young Fiduciary Services, Ms. Young is responsible for administering trusts for her clients; she also serves as a conservator, executor, and guardian for clients’ financial and health care needs. Since 1986, Carolyn M. Young Fiduciary Services has served clients in the counties of El Dorado, Nevada, Placer, Sacramento, San Joaquin, and Yolo in California.

Below are a few of the common terms used when handling trusts.

Abatement: Abatement refers to the devaluation of a gift in a will resulting from an insufficiency of funds to cover all gifts once the estate’s legal obligations are paid in full.

Conservator: A conservator is a court-appointed individual or institution responsible for managing and caring for the property of someone who is incapable of caring for it himself or herself.

Escheat: In the event that there are no heirs or next of kin, an escheat is the reversion of property to the state. This originally was only applicable to real property but now includes all types of property.

Inter vivos trust: An inter vivos trust is one that is made by a living person. This can be done for a variety of reasons, including estate planning, asset protection, and to protect beneficiaries who may be undergoing personal difficulties.

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Juvenile Diabetes Research Foundation Surpasses $1 BIL in Fundraising

Juvenile Diabetes Research Foundation pic

Juvenile Diabetes Research Foundation

Carolyn Young, owner of Carolyn M. Young Fiduciary Services, has nearly 30 years of experience in her field. In addition to assisting people living in the Sacramento, California, region with their financial needs, Ms. Young enjoys spending time with her grandchildren, one of whom was diagnosed with juvenile diabetes. In support of her grandchild, she donates to the Juvenile Diabetes Research Foundation (JDRF).

The largest non-governmental funder of type 1 diabetes research, the JDRF organizes a number of programs to support research on juvenile diabetes, such as the annual Walk to Cure Diabetes. Each year, US groups host more than 200 Walks, while more events take place internationally. JDRF organizers report that nearly 1 million people take part in the flagship fundraising event each year.

Through these worldwide events, the foundation has raised over $1 billion since 1992 to fund type 1 diabetes research. This milestone was reached through the support of both large and small donations and, of course, through the dedication of the walkers.

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Senior Gateway Tools Seeks to Protect Seniors from Financial Abuse

The founder of Carolyn M. Young Fiduciary Services, Carolyn Young is a licensed professional fiduciary serving residents of Sacramento, California, and the surrounding region. A member of the Professional Fiduciary Association of California (PFAC), Ms. Young manages more than $75 million in assets for a variety of clients, including seniors.

In the interest of better serving seniors living in California, the Elder Financial Abuse Interagency Roundtable (E-FAIR) recently launched the Senior Gateway, an online tool focused on consumer protection. The website, which is hosted by the California Department of Insurance (CDI), is found at

The site is designed to provide information to inform seniors and their caretakers about the potentials for scams and other forms of abuse. The resources offered by the Senior Gateway include information on preventing and reporting financial fraud and other types of financial abuse targeting seniors. It also features educational resources on insurance annuities; health care options; and investment options, such as reverse mortgages.

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What Is Required of a Professional Fiduciary?

A state licensed fiduciary and charter member of the Professional Fiduciary Association of California, Carolyn Young is the owner of Carolyn M. Young Fiduciary Services, a personal and financial services company based in Sacramento. Carolyn M. Young Fiduciary Services oversees and administers $75 million in assets under court appointments and various trust agreements on behalf of clients.

The role of professional fiduciary is one of personal trust and sacred responsibility. Such an individual works on behalf of his or her clients in a manner that ensures the clients’ best interests and legally expressed wishes are addressed and carried out in the areas of finance, health, and personal care as well as in estate administration and distribution.

Whether a professional fiduciary receives appointment by agreement or by court order, the appointment signifies both a legal obligation and a high degree of personal trust in the professional knowledge, judgment, and capabilities of the fiduciary to act in the client’s best interests. Professional fiduciaries licensed in California must meet education and/or experience requirements specified by the state Professional Fiduciaries Bureau. In addition, licensed fiduciaries must maintain annual continuing education requirements and, in most cases, a surety bond once they begin practice.

Individuals considering hiring a professional fiduciary in California can consult with a professional licensing organization, such as the Professional Fiduciaries Bureau, or membership group, such as the Professional Fiduciary Association of California, to seek out qualified practitioners.

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Juvenile Diabetes Research Foundation’s Ride to Cure Diabetes Event

Carolyn M. Young owns and operates Carolyn M. Young Fiduciary Services, headquartered in Sacramento, California. Aside from her responsibilities in providing fiduciary services to trust and estate clients, Carolyn M. Young actively supports the Juvenile Diabetes Research Foundation.

The Juvenile Diabetes Research Foundation (JDRF) is preparing to host its sixth and final Ride to Cure Diabetes Event for 2013, which is scheduled to take place November 21-24, 2013, in Tucson, Arizona. Now in its 30th year, the Tucson ride is part of the University Medical Center’s Tour de Tucson, recognized as one of the country’s premier bicycling events for people of all ages and fitness levels. The Ride to Cure Events are designed to help raise money to fund research and develop a cure for juvenile diabetes.

As the leading organization worldwide that raises funds for Type 1 diabetes research, the JDRF is dedicated to improving the lives of individuals living with the disease and to eradicating Type 1 diabetes. To date, the JDRF has raised more than $1.7 billion, granting more than $110 million for diabetes research in 2012 alone.

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Overview of the Fiduciary Profession

Carolyn M. Young provides fiduciary services to clients in six counties in California through her eponymous firm, Carolyn M. Young Fiduciary Services. In that capacity, Ms. Young assumes responsibility for administering the estates of clients who have passed away or can no longer manage their financial affairs.

Here is a brief overview of the fiduciary profession.

Question: What is a fiduciary?

A fiduciary is an advisor who assumes responsibility for an individual’s estate and is responsible for administering the estate in the event of resignation, incapacity, or death.

Question: What are the responsibilities of a fiduciary?

Among their many responsibilities, fiduciaries act as trustees, executors, or conservators of an individual’s trust or estate. A few of the duties include the sale or rental of real estate, the sale or storage of personal property, and guidance in regard to financial matters.

Question: How does one become a fiduciary?

In the state of California, any individual who acts in the capacity of an agent with a power of attorney, in the case of a trustee, guardian, or conservator, must obtain his or her license as a California Professional Fiduciary. All California fiduciaries are governed by the Professional Fiduciaries Bureau.

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