Helping familes who are transitioning a loved one into a long-term healthcare environment.

There are basically three ways to pay for long-term care. 

Long-term care insurance
Private pay
Government assistance

Long-term care insurance is by far the best way to pay for care.  But did you know that only 5% of the senior population has this type of coverage?  Did you also know there are alternatives to traditional long-term care insurance that are cheaper and easier to qualify for?

If you don't have long-term care insurance, you will be asked to 'spend down' your assets to get to the maximum allowable . . . $2000 (lower in some states).  You have just begun the 'private pay' option.  This option could cost you over $8,000 per month.

Governement benefits, on the other hand, are used to pay for care when assets are depleted or income is insufficient to pay the monthly cost of care.  Most seniors cannot afford the $5,000 per month or more that is required when they are seeking care and eventually run out of money.  It is at this time that Medicaid begins to pay.  The only question is, why did they wait until they ran out of money?  Could Medicaid have begun paying the bills sooner if they had only known what to do? 


We work with you, your family, your financial advisor, and attorney to provide a custom-tailored plan to help you make your retirement dollars last your lifetime. 

Cutting through the maze of Medicaid eligibility has left many families frustrated and broke.  Simply knowing what to do . . . and when to do it . . . can save you thousands of dollars per month that would normally go to a nursing home or home healthcare company.  Knowing your rights under the law can protect you from going broke.

We analyze your current situation and advise you according to the rules and regulations of the state where you reside or where you will be receiving care.  We match you up with a qualified advisor and/or elder law attorney (if necessary) to make sure you and your family have someone locally to support you and to deal with Medicaid caseworkers.

We also provide you with the written information you will need to support your planning efforts.


We are often contacted by famililes that are worried about what will happen . . . but care is not needed now.  Is there anything they can do to prepare for what is likely to happen?  (70% of people over the age of 65 will require some form of extended care)

The answer is 'yes'.  Pre-planning is something we do with clients who are unable or cannot afford long-term care insurance.  Without this type of coverage, assets can be consumed at the rate of $5,000 or more per month.  How long would your nestegg last at that rate?

If you fall into this category, call us today and we can work with you to show you how you can protect your estate to the maximum allowed under your state's rules and regulations.  When can you gift assets?  To whom can you gift assets?  How much?  How can you protect the home from estate recovery?  Can I pay my children to care for me?  What if I sell my house and move in with the kids?  What about my car?

All of these questions are raised and answered when we work with our clients.  Call us today to learn how we can help you?

A personalized plan can help you legally protect a certain amount of assets and income for use by your spouse and family.

We team together with your financial advisor and attorney to make sure your plan falls within the guidelines established by your state.

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