• Medicare Supplements, including Medicare Advantage
  
• Fixed Annuities including Guaranteed Lifetime Income
  
• Estate Planning Trust maximum $100,000
  -Funds excluded from Medicaid spend-down after five years
  -The Trust will pay funeral costs with any excess funds going to a named beneficiary or estate of the insured
  
• Funeral Expense Trust maximum $15,000
  -May be immediately exempt for Medicaid qualification
  -Funeral costs paid first with any excess funds going to the estate of the insured
  -Trust is policy owner and beneficiary
  
• Long-Term Care using Special Life Insurance options or Asset-based LTC

We are experienced in working with clients who are planning to arrange their assets for the optimum wealth transfer. We help safeguard against the potential of Long-Term Care expenses, eroding the assets using some or all of the above strategies, and working with clients’ legal and accounting advisors.

We can also assist in the “Crisis Situation”, where the client, or family needs to quickly and aggressively be in the “spend-down” mode in order to qualify for Medicaid.