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Is It Too Late To Start My Retirement Planning Over?

By Rick Law,  Estate, Asset & Retirement Tax Attorney at Law ElderLaw in Western Chicagoland.

It’s a statement I used to hear all too regularly at the height of the recession.  Clients coming into my office would lament,  “We have lost so much in our mutual funds that I should just sell EVERYTHING and start over.”  I would ask, “How do you know that you have a taxable loss?”  Typically, the answer was something along the lines of, “Everybody knows that the whole market is down by at least 40%! That’s how I know.”

The markets are arguably in a better place than even a couple years ago, but still, many people are panicking and making the same big mistakes in dealing with investment losses.  The two main errors made are:

  • Thinking that perceived investment losses are the same as tax losses; and
  • Failing to understand that any withdrawal from an IRA, 401(k), or 403(b) will always be treated as ordinary income.

The loss our client feels is what I call the “the quarterly statement loss,” but it is not usually the same as a taxable loss. If you ignore Mr. Taxman’s rules, you could wind up compounding your losses.  The way to compute a taxable loss is to look up what you originally paid for an asset and compare that purchase price to the current sale price.  Let’s say that your rental property would sell today for $200,000, but in 2015, it would have sold for $300,000. What kind of a loss have you suffered?  Does the tax-man think that you have a loss?  The answer is, no!

If you bought your investment real estate at $300,000 in 2014, and in 2016 you sell at $200,000, then Mr. Taxman will agree that you have a long-term capital loss of $100,000 (please assume that we are ignoring depreciation and other adjustments).

But, if you are like most of my clients, you may have purchased the asset a long time ago at a price that is lower than today’s sale price.  If you sell today, you may have a significant tax bill, even though you feel like you have ‘suffered’ a loss of value.

For example, if you bought the rental property in 1975 for $50,000, the actual gain or loss will be computed from the original sales price (less any depreciation that you took as a deduction on an annual basis) compared to the current sales price.  So, if you sell that property now, you will be looking at a significant taxable gain.

It’s critical that you remember that money in your IRA represents deferred wages.  No matter when or how the money comes out of your IRA, it will be treated as if you are now receiving those wages.  You pay the income tax rate to the federal and state government.  The government never allows you to treat IRA withdrawals as a tax loss.

If you’re ready to start getting your estate in order and secure your assets for the “worst-case” scenario, please give our office a call at 800-310-3100. Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now.

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick was named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!

 


Putting Together the Pieces of the Aging Puzzle

 From Estate, Asset and Retirement Tax Lawyer Rick Law of the Multi-Generation law firm at Law ElderLaw in West Suburban Aurora, Illinois.

Due to the nature of typical elder law representation, it is particularly important that we spend time educating our clients and their families to understand the attorney-client relationship.  We have a duty to represent our client, and in doing so, put their minds at ease.  That way, we can ask the important questions when the time comes.

To be an elder law attorneys, it is a calling, rather than a calculated business decision.  Usually due to the frailty of someone we love… a parent, a spouse, a sibling… elder law has chosen us.

The fact, that the legal advice we provide may be the least complicated piece of the client’s aging puzzle is music to our ears.  My goal has always been to explain how we help, and what next steps we can take, in simple, understandable English…at least when possible.

Many times the client’s adult children have an agenda which conflicts with that of the senior. We strive to mediate those conflicts and seek our client’s best interests. We help clients and families put together the “aging puzzle” with its many ill-fitting pieces of frail health, caregiving needs, survivor care concerns, financial decisions, residential options, family relationships, insufficient assets, substitute decision-makers, cumbersome probate, end-of-life decisions, and more.

I’ve always hoped to make the planning experience “transformational” rather than “transactional.”  We strive to be more than dispute mediators, or standard document drafters.

As elder law attorneys, we empower lives for the better in a way. This often impacts whole families for years to come. We believe that we are providing important services for our clients our communities, and our country.

Too many families needlessly lose everything they have.  Don’t let that be you.  If you need help paying the overwhelming cost of long term care, give our office a call at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now, because when you’re out of money, you’re out of options!

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick was named the #1 Illinois elder law estate planning attorney for the past 8 years in a row by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


Transformation Over Transaction

By Estate Planning attorney Rick Law.  Rick is founder of the multi-generational law firm at Law ElderLaw.  Estate, Asset & Retirement Tax Attorneys serving Kane, Kendall, and DuPage counties in Illinois.

One of the goals in our practice is to make the client’s experience “transformational” rather than “transactional.”  This means doing more than simple legal task fulfillment such as resolving a dispute, drafting a document, or closing a real estate deal.  As elder law attorneys, we empower lives for the better in a way which will impact whole families for years to come. We believe that we are providing important services our clients cannot get elsewhere.

Our clients rely upon us for more than traditional legal advice.  We help clients and families put together the “aging puzzle” with its many ill-fitting pieces of frail health, caregiving needs, survivor care concerns, financial decisions, residential options, family relationships, insufficient assets, substitute decision-makers, cumbersome probate, end-of-life decisions, and more.  In fact, the legal advice we provide may be the least complicated piece of the client’s aging puzzle.

When clients get information from other sources, whether it is the government, a care facility, their banker, or even another family member, the person giving the answers may be well-meaning, but it is not their job to put the senior-client’s interests first. The elder law attorney is the filtering advocate for the frail senior. Our code of legal responsibility demands that we place our client’s interests first.

The scope of our legal services is defined by the client’s overall circumstances. We work at the juncture of estate planning, disability, Medicare, Medicaid, VA benefits, financial planning, health care, family dynamics, tax law, and medicine.

If you’re ready to start getting your estate in order and secure your assets for the “worst-case” scenario, please give our office a call at 800-310-3100. Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now.

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick was named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


A Multi Generation Law Firm

 By  Attorney Rick Law of the Estate, Asset and Retirement Tax law firm of Law ElderLaw, home of the Estate Planning Center at Law ElderLaw in Aurora, IL.

As a prospective client, it’s completely reasonable for you ask your attorney about their own succession plans.

I was born in 1950 and my life expectancy is about 14 more years.  When I was on vacation a few years back, one of my attorney acquaintances died suddenly of a heart attack. He was 61 and a sole practitioner… kind of leaves you to wonder;  was he ready for the unexpected? What’s happening with his client’s files?  Thankfully, Law ElderLaw is a multigeneration firm filled with talented and personable lawyers, not the least of which is my Daughter, Diana.

Whatever attorney you choose, they should take no offense if you ask, “How old are you?”; “How will you keep track of my secure files in the future?”; and “What is your succession plan if something happens to you?”  Every client deserves to know the answers to those questions.

Here at Law ElderLaw one of our goals is to run our law practice with modern, business-style systems designed to care for our clients every step of the way.  Our systems begin with sending our message to prospective clients and ends with our final information and electronic file storage.  But most importantly, at Law ElderLaw we provide services to our clients as a team.  Running a law practice today requires management of much more than just the legal work, and we take that seriously—for ourselves and for our clients.

Let me leave you with a story;

Lola finished signing her estate plan documents and looked up at me and sighed, “That is such a relief!  Every time we drive in bad weather, I worry about dying before we have provided for our granddaughters.”

She has a lovely Spanish accent, so those words were definitely music to this attorney’s ears.

But then with a note of concern, she looked directly at my face and asked, “How old are you?”  Her worry had just changed from completing her estate plan to worrying about whether or not I would outlive her.

She wanted to feel confident that I would be around to help provide guidance for her granddaughter’s trust. And rightfully so! “ I am 65,” I responded, “and the good news is that Law ElderLaw has a second generation built-in. I am the oldest at our firm, but we have many young, capable people here to hold your hand if something happens to me.”

Too many families needlessly lose everything they have.  Don’t let that be you.  If you need help paying the overwhelming cost of long term care, give our office a call at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now, because when you’re out of money, you’re out of options!

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick was named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


Do I Need a Caregiver Agreement?

By Estate, Asset and Retirement Tax Lawyer Rick Law of the Estate Planning Center at Law ElderLaw. 

Familial caregivers are typically compensated according to what the state along with your attorney determines to be “Fair Market Value”.  This may prevent transfers of money from one family member to the next from being counted as gifting or Medicaid spend down, when substantive caregiving services were rendered.

Once your elder law attorney has provided an evidentiary basis to prove that the transfer of assets were for fair market value, they still must demonstrate that the transfer of assets was made for reasons other than to qualify for Medicaid or that the elder receiving the caregiving services intended to pay for the services.

Simply providing verbal assurances that seniors were not considering applying for Medicaid when they transferred assets to the caregiver child is not sufficient proof that the assets were transferred for a reason other than to qualify for Medicaid.

It is important to recognize that anyone applying for nursing home Medicaid benefits is burdened by the presumption that any transfer of assets for less than fair market value is deemed to have been motivated by an intent to impoverish oneself to qualify for Medicaid benefits. While the presumption is rebuttable, those who sit in judgment of the evidence are the employees of the state Medicaid department who do not often rule in favor of the Medicaid applicant. The senior needs to have a written personal-care agreement and extensive supporting documentation.

However, even though the parties to the personal-care agreement may have anticipated being forced to use nursing home Medicaid when and if the senior’s assets become exhausted, that does not preclude them from giving “reliable proof” that the senior intended to receive valuable services in exchange for the transfer of assets.

Hearing officers and judges will examine the senior’s personal-care agreement, looking for reliable proof that the assets were exchanged for valuable services. There is some disagreement as to how specific the written agreement must be, but it is best to make the agreement as specific as possible.

In some states, it may be essential that the personal-care agreement be entered into prior to services being rendered. In other states, those reviewing the contract will be looking for specifics such as how long the services will last, how many hours per week, what standards of services are being provided, and what, if any, provisions provide for a refund.

In some cases, those reviewing the contract may investigate whether the services mentioned in the agreement were actually the services that were performed. Thus, while a valid, written caregiver agreement is a necessity, it is difficult to find a universal standard for what must be included in the agreement.

Too many families needlessly lose everything they have.  Don’t let that be you.  If you need help paying the overwhelming cost of long term care, give our office a call at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now, because when you’re out of money, you’re out of options!

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick was named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


The Cowboy Code

By Attorney Rick Law of the Estate, Asset and Retirement Tax Lawyers at Law ElderLaw.  Home of the Estate Planning Center at Law ElderLaw in the Western Chicagoland suburb of Aurora, in Illinois.

I grew up (like most baby boomers) in the age of the TV Cowboy Hero. We were saturated with the “Code of the West” as the good guys of the cinematic Old West rode, roped, and fought their way into our hearts and minds.

The Good Guys wore white hats (with the exception of Hopalong Cassidy) and selflessly fought evil as they helped the poor, oppressed, innocent, and vulnerable.

It was always easy to recognize the Bad Guys…

They didn’t just rustle stock from the honest folk. As a clear allegory for our now adult lives, the bad guys often came in the form of bankers and businessmen… misusing their power and position to cheat good and hard-working citizens out of their homes, ranches, and livestock.

Like many idealistic law students, I carried that “cowboy code” inside me. I imagined using my legal skills to fight injustice and protect the innocent—just as my heroes had done.

But I soon found that real lawyering is seldom as glamorous and interesting as a TV show, so I spent the better part of my first 25 years becoming very efficient and effective at moving mountains of documents for clients, mostly real estate and tax documents. It was not the work of a hero, but it paid the bills.

Around 2000, due in large part to the aging issues of my parents, and my parents’ generation, I became a part of a small “tribe” of lawyers who practice elder law.  A combination of estate planning, taxation, health care, Medicare, Medicaid, elder abuse, and more, elder lawyers focus on assisting the frail and elderly to help achieve their goals of quality health care, while striving to avoid needless impoverishment.

As I mentioned, I have been touched by a loved one’s long-term illness or a disability, and because of this, I strive to help the ones who need help the most; the widow(er), the caregiver spouse/adult child, and the frail elderly.  That, to me, makes being an elder law attorney the modern equivalent of Dale Evans, Roy Rogers, or Hopalong Cassidy.

Too many families needlessly lose everything they have.  Don’t let that be you.  If you need help paying the overwhelming cost of long term care, give our office a call at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now, because when you’re out of money, you’re out of options!

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick was named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!

 


Starting the Final Arrangement Conversation

By Estate and Asset Protection Attorney Rick Law. Founder of the Multi-generational Estate Planning Center At Law ElderLaw in Aurora.  Serving Kane, Kendall, DuPage Will and Cook counties in Illinois.

They say the only two assurances in life are death and taxes, so most people can consider that they are going to die…someday.  Actually accepting this truth is another feat altogether.  This commonplace denial goes a long way to explain the fact that 85% of the adult population are without a simple will, power of attorney, or health care directive…

I recall the instance about 40 years ago (my how time flies!), when my wife I announced to her parents that we were expecting our first child.  Having been raised in an era where that conversation was a cultural taboo, my father-in-law inquired innocently if it was okay to talk about someone being pregnant… my, how things have changed!

These days we need only to glance through our social media accounts to be subjected to conversations about PMS or flagging male libido. Even in this time when “anything goes,” I’m often surprised to encounter a familial taboo.

As an estate planning attorney, I facilitate discussions about life, death, and disability. When I begin this conversation with clients and their families,  I almost always run into resistance. Even terminally ill seniors will often say, “Funerals are for the living, so do whatever you want. Why should I care?” But families really want to know how their loved ones feel about these issues. When seniors choose to talk about it, they often find it very meaningful to share their expectations.

A Final Arrangement Conversation should have at least two distinct elements:

  1. A written expression of your attitudes and desires for life-prolonging treatment (or lack thereof) in the event that you are incapacitated, have been diagnosed as being terminally ill, or are suffering from a long-term memory-robbing illness; and
  2. A written expression of your attitudes, desires, expectations, payment source, etc. regarding your final wishes–how your family should handle your funeral, burial, cremation, religious tradition, probable cost, music, choices of service providers, etc

Although it’s difficult, I recommend that you take the time to have the Final Arrangement Conversation with your family. Once we overcome this conversational taboo, the discussion almost always ends with a hug.

If you’re ready to start getting your estate in order and secure your assets for the “worst-case” scenario, please give our office a call at 800-310-3100. Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now.

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick was named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!

 


Personal Care Contracts and Medicaid

By attorney Rick Law of the Estate, Asset and Retirement Tax Lawyers at Law ElderLaw in West suburban Aurora in Illinois.

Seniors suffering from dementia who wish to qualify for state-paid nursing home care are required to spend down until they only have $2,000 in countable assets (this number varies from state to state). The state Medicaid agency is going to examine all major financial transactions that occurred during the five years prior to Medicaid application. This is where the personal-care contract needs to be very precise in how it details the care being provided.

The state Medicaid agency will be looking to see if the caregiver agreement is being used to allow the parent to simply gift assets to children and still apply for long-term care on the state’s dime. State Medicaid agencies will generally look at two factors to determine whether a transfer of assets disqualifies the person receiving the care for Medicaid benefits:

  1. the fair market value of the transaction
  2. the intent behind the transaction

While that may sound simple enough, determining the prevailing price of eldercare services is not as easy as it sounds. Just about everyone, including hearing officers and judges, has a different opinion as to how to determine the prevailing price for caregivers.

In some states, it may be essential that the personal-care agreement be entered into prior to services being rendered. In other states, those reviewing the contract will be looking for specifics such as how long the services will last, how many hours per week, what standards of services are being provided, and what, if any, provisions provide for a refund.

Too many families needlessly lose everything they have.  Don’t let that be you.  If you need help paying the overwhelming cost of long term care, give our office a call at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now, because when you’re out of money, you’re out of options!

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick has been named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles.  His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being lost to the expenses of long term care.  Call 800-310-3100 for your free consultation now!

 


Our Mission at Law ElderLaw

By estate planning attorney Rick Law.  Rick is founder of the multi-generation law firm Law ElderLaw in West Suburban Aurora, IL. 

Are you aware that a catastrophic illness could wipe out virtually all your financial resources?  What will happen to you if you outlive your money?  You can learn how to protect your life savings and your legacy during our free vision meeting.  Call our office at 800-310-3100 to ask for more information or set up an appointment.

At Law ElderLaw, our mission is to help seniors protect their assets from unnecessary taxes, legal expenses, and the devastating cost of catastrophic healthcare or long-lasting nursing home fees.  Our goal is to make sure your assets will last you a lifetime, and passed on to your loved ones in the most timely and cost-effective manner.

You may be surprised to find that elder law attorneys are of a different breed than other lawyers.

Not only are we familiar with professional resources for you and your loved ones, but we are also ready to provide you with many community resources to help meet your family’s needs.  Serving over 400 Illinois families every year, we have walked this difficult road before and we understand the delicate situations that surround end-of-life planning.

Come in and talk to us, we can help you along this path.

Too many families needlessly lose everything they have.  Don’t let that be you.  If you need help paying the overwhelming cost of long term care, give our office a call at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now, because when you’re out of money, you’re out of options!

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick has been named the #1 Illinois elder law estate planning attorney for the past 8 years in a row by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


Could Medicaid Help Pay for Your In-Home Care? Part 2

By estate planning attorney Rick Law.  Rick is founder of the Estate Planning Center at Law ElderLaw in West Suburban Aurora, IL.  LEL is a multi-generation law firm.

In the last installment of my blog, you learned some of the basics of Medicaid in Illinois – and why you need to be informed about it even if you still have money!

The Illinois Department on Aging’s Community Care Program helps seniors who might otherwise need nursing home care to remain at home by providing help that the senior may need.  This includes help within the home, as well as in the community.

This program allows qualifying seniors to keep their independence, while providing cost-effective alternatives to a nursing home.

Some of the benefits of the Community Care Program include:

  • In-Home Help is available to provide assistance with household tasks and personal care for older adults who are moderately impaired. It could be something as simple as uncapping medications and providing water, or even assisting with personal care, cleaning, doing laundry, preparing meals.  Help with more complex tasks is also included, such as meal planning, shopping and arranging transportation.
  • Emergency Home Response Service provides the senior with a signaling device for 24-hour emergency coverage.  That way, if help is needed (such as a fall or a fire), the senior can easily alert the authorities and get fast help.
  • Adult Day Services offer older adults the opportunity to interact with other people in a safe, supervised setting outside the home. Snacks and a noon meal are provided, and participants may enjoy everything from arts and crafts to card games. Counseling and physical therapy with trained professionals are also available in some centers. Adult day service centers can greatly help caregiving family members who may need a few hours to themselves, or who work outside the home during the day. In many adult day service centers funded by the Illinois Department on Aging, specialized programs are available for seniors with memory problems such as Alzheimer’s or dementia.

Too many families needlessly lose everything they have.  Don’t let that be you.  If you need help paying the overwhelming cost of long term care, give our office a call at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now, because when you’re out of money, you’re out of options!

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick was named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!