Services

I'll bring your finances to life through Wealth Accumulation, Paycheck Protection and Lifetime Income. 

Medicaid Planning

Advance preparation is the best action to help protect one's assets, while still being able to qualify for Medicaid when the need arises.

The basic premise of Medicaid planning is to move countable or unprotected assets into non countable or protected assets to legally shift the burden for the cost of the patients care onto the government. Additionally, Medicaid planning attempts to ensure transfers of assets to heirs, fully protect a healthy community spouse, and avoid or limit Estate Recovery. There are two primary Medicaid programs:

Medicaid Long Term Care - Medicaid LTC is a Public-Private partnership, with rules to balance the cost of care between the patient and the State.

Life Insurance 

Life insurance is designed to provide you with the reassurance that your dependents will be looked after if you’re no longer there to provide.

Term life insurance is designed to pay a death benefit when the insured passes. It can be customized for length to provide a level premium over a specific period and/or the death benefit can be surrendered which can lower the premium as well. The word “Term” in Term life insurance refers to how long the policy is designed to provide a level premium. Once outside the “Term” the policy does not expire, instead the premium increases and the individual decides whether to pay the higher premium to keep the policy in force or to let it lapse and lose the death benefit protection.

Paycheck Protection

Loss of income from disabling events can be protected by using disability insurance policies.

A disabling event causing an inability to work and earn money can significantly derail the best plans. Loss of income from disabling events can be protected by using disability insurance policies. Access to disability insurance can be found in most employee benefit packages offered by employers. Private disability policies can be purchased if they are not accessible through an employer or to provide additional benefits beyond the employer plan.