Financial Planning

Long Term Care Insurance – Long Term Care (LTC) Costs without the aid of Long Term Care Insurance can be devastating. Allow our LTC Specialist to work with you to obtain coverage that is right for you. It makes sense to consult with someone who has worked in Long Term Care. We have access to top companies in the insurance industry and can shop and compare the policies and prices for you.   Estate Planning – No one can predict, but you have the power to manage your estate. We help you determine what is appropriate for you and your family upon death We work with attorney who are specialists in Elder Law. Wills, Living Trusts, Special Needs Trusts, Miller Trusts, Guardianship or documents such as Power of Attorneys and Living Wills are all available options. Medicaid Planning – The process of becoming eligible for Medicaid benefits is a maze of confusing rules and regulations. We work with attorneys who specialize in this area and who are knowledgeable of the requirements and qualification techniques that make the process manageable.   Tax Planning – Our clients have access to specialists in income tax reduction and estate planning strategies to protect assets accumulated over one's lifetime. Individuals and Business Owners need to have knowledgeable resources for matters that arrive when death or disability occurs. Some strategies involve life insurance or annuities that fund trusts or provide the moneys necessary for surviving family members or business associates. We specialize in conducting thorough benefit analysis for those who have Medicare Part A, Part B, Part D in conjunction with Social Security benefits. Careful and thorough analysis is made of all current benefits and insurance coverage and discussions on other resources that our clients could be entitled to such as Medicaid coverage, VA Benefits, and other local and state programs.