Quality Service Focused On HELPING FAMILIES


We are not a law firm nor do we provide legal services. If legal services are needed, third party attorneys are available to assist you.

It's never easy to think about or plan for our older family members' late stages, or even end of life situations. The substantial growth of America's elderly population is driving the exploding demand for Housing options, Home care, Future medical care and Financial options. In the coming years, the baby-boom generation will spark an unprecedented increase in the size of the elderly population. As life spans continue to increase for the fastest growing sector of the U.S. population, senior citizens and their families will face challenging questions regarding the delivery of health care and the protection of their assets.

Planning is vital to you and your family's well-being.

Families should begin to prepare long before someone starts having trouble with certain aspects of their life. Taking the time to prepare for this stage of life is well worth the small effort it will take to ensure the peace of mind you and your family deserve.

We are here to help your family dealing with moving someone from home to a nursing home or assisted living facility, dealing with the issue surrounding terminal or long term illness or just dealing with daily financial issues.

At, we provide quality services in a compassionate, easy to understand manner. We understand the anxieties and concerns individuals experience as they look for answers to the problem before them. We work closely with your professionals to design and implement a customized plan to address all of your concerns and help you achieve short and long term goals.


Resources for Elder Information Center

Helping Families Plan for the Future

To learn more please


What people frequently ask

What is Medicare?

Medicare, the nation's largest health insurance program, is nationally managed by the Centers for Medicare and Medicaid Services (CMS). Medicare is a government sponsored program that helps pay for medical care. Medicare provides health insurance for those age 65 and older or, if younger, those entitled to Social Security disability benefits.

Who is eligible for Medicare?

Generally, persons age 65 or older, and those with certain disabilities or diseases are eligible for Medicare Parts A and B. Anyone eligible for Parts A and B is eligible for Parts C and D.

What if we need help finding a nursing home?

Planning for long-term living arrangements for elderly individuals is becoming increasingly important in our society. The best time to plan for the possibility of nursing home care is when you're still healthy. By doing so, you may be able to pay for your long-term care and preserve assets for your loved ones?

We can help contact professionals in the industry who can help you locate a facility. We also can direct you to these professionals who are devoted to helping seniors and family members of seniors. Finally, we have experience working with certain nursing homes, and we have contacts to help with the process of finding and entering a nursing home for you or your loved one.

Where will your parents live?

If your parents are like many older folks, where they will live will depend on how healthy they are. As your parents grow older, their health may deteriorate so much that they can no longer live on their own. At this point, you may need to find them in-home health care or health care within a retirement community or nursing home. Another option is that you may insist they come live with you.

What is Guardianship?

A Guardianship is a crucial legal tool that allows one person or entity to make decisions for another (the ward). If the court declares an individual legally incapacitated, some or all of his/her legal rights can be removed. This incapacitated individual then becomes a Ward and the person who is appointed to care for the incapacitated individual and their property is called a guardian. The guardian of both the incapacitated person and their property may not necessarily be the same individual. The court may appoint an individual as the guardian of the incapacitated person, and/or the guardian of the incapacitated person's property. Guardianship proceedings are supervised by the court and can be costly and time consuming. Generally guardianship proceedings are avoided if you have an effective durable power of attorney and/or medical directives in place.

What is Medicaid?

Medicaid is a joint federal and state funded program which provides medical insurance for qualifying low-income individuals including those who are aged, blind, or disabled. Medicaid is funded by both the federal and state governments. On average, states pay about half the cost of Medicaid, although the percentage varies from state to state. No state program can be more restrictive than the federal law.

If I need long-term care, what are my options?

Long term care insurance is designed to cover the cost of long-term care if you need it in the future. Caring for your aging parents is something you hope you can handle when the time comes, but it's the last thing you want to think about. There are various living arrangements that can be utilized to deliver Long-term care as you loved ones health deteriorates. You can deliver Long-term care at home, in assisted living or in a nursing home, depending on the level of care needed.

An additional option may be a continuing care retirement communities (CCRCs) which provide, independent-living dwellings, as well as assisted-living and skilled-nursing facilities. Depending on your required level of care, younger residents may not initially need much care, while older residents may require round the clock care.

How do I pay for long-term care?

Basically, there are four ways to pay for long-term care: (1) Private Pay, (2) Medicare, which only covers short-term rehabilitation for skilled nursing care, (3) Long-term care insurance, (4) Medicaid, which is the only government program that pays for long-term care.

Does Medicare Cover the Cost of Long-Term Care?

No. This is one of the most common misconception of seniors. Medicare covers short-term rehabilitation but does not cover custodial care at home or in a nursing home. If you need help with activities of daily living such as eating, bathing, toileting, or transferring in and out of bed, these are considered custodial needs and are not covered by Medicare.

If I want to stay in my own home, do I have other options besides a nursing home?

Yes. If you want to stay in your home, you have options that may be less expensive and stressful than a nursing home. You could obtain a reverse mortgage on your home, long-term care insurance or support through federal or state funding sources. Additionally, a family member, friend or paid caretaker may be able to help you with your personal care. If you want to stay in your home, you should seek professional advice in order to plan accordingly and get the help you need.


©2017 Broadridge Investor Solutions, Inc.

Estate Planning

Planning for Long Term Care

Social Security

Special Needs Planning

Contact us

Comprehensive Solutions, Compassionate Help.