1 Block West of the Chicago Premium Outlet Mall (800) 810-3100
  By Rick Law, elder law and estate planning attorney at the Estate, Asset and Retirement Tax Law Firm of Law Elder Law in Aurora, IL.   Finding a dependable, trustworthy, long-term caregiver is something that families often grapple with…  retaining a great caregiver is the other half of the struggle that families encounter when faced with disabilities and/or long-term diseases. The majority of the folks we encounter are impacted by Alzheimer’s Disease and the resulting progressive dementia. Alzheimer’s often causes people to lose their inhibitions and judgement, or what my mother calls our “thin veneer of civilization.” Mike Rohan is the president of All-Trust Home Care, a firm that helps place professional caregivers in the home environment, as well as assisted living and nursing home situations.  He once shared with me that his company used to have a constant problem in staffing for Alzheimer’s clients; caregivers would often quit or demand reassignment after only a week or two.  He said, “People with AD can present challenging behaviors, such as screaming, repetitive questions, paranoia, non-cooperation, and even violent aggression.  Very few caregivers have been trained in how to deal positively with these challenges.” In an effort to serve both his employees and the All-Trust clients, Mike decided to seek out a solution. He signed up for a program offered through the Alzheimer’s Association called the “Best Friends Approach to Dementia”, and attended the “Train the Trainer” classes for the best friends approach.  After completing the program, Mike began to teach his firm’s caregivers how to implement the Alzheimer’s care ideas included in the best friends approach.  The results have been nothing short of revolutionary. It has worked out so well, that All-Trust has been offering training classes every Tuesday at their Hinsdale office, and every Thursday at their Deerfield office with some Saturday classes.  The classes are not only for their employees, client family members, but for members of the community as well. You can find out more about Mike and All-Trust Home Care at www.alltrusthomecare.com Caregivers now have the tools that need to communicate effectively with their clients, despite the barriers of the clients’ dementia-related behaviors.  The quality of life for both the caregivers and care receivers has been remarkably improved.  In fact, Mike smiled broadly when he stated, “Before we implemented the best friends approach training, it was difficult to retain staff.  But now I cannot think of anyone who has quit.” Similarly, at Law Elder Law, we’ve added new seminars several times a month to serve the community at large. We address the issues important to you and your family, from estate, retirement and asset protection topics to navigating the ever changing and often uncertain landscape of aging, planning, and preparing. RSVP today for one of our complimentary upcoming seminars at lawelderlaw.com/events. If your loved one has memory problems and you’re afraid of the consequences that may bring, give our office a call today 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 Elder Law, 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!
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By Law Elder Law’s Rick Law. The LEL team is comprised of Estate, Asset & Retirement Tax Planning attorneys in the Western Chicago suburb of Aurora in Illinois. Planning ahead to protect your surviving spouse is one of the best things you can do to protect your loved ones.  The problem is, some people wait until it’s too late.  I’ve said it before, when you’re out of money, you’re out of options. So what are some of the things you need to plan and protect against?
  • Loss of a Social Security Check
  • Possible loss of pension
  • Survivor’s taxes may be higher because
    • Single person tax brackets are compressed
    • The big 4 tax deductions are gone
      • Mortgage Interest
      • Dependent children
      • Charities
      • 401k & IRA deductions
  • Inflation
There could be a myriad of reasons why these items would affect you, but now is the time to protect your spouse’s future income with tax planning to increase the net spendable dollars. In the end, it’s all about your family – your surviving spouse and your children.  At Law Elder Law, we can help create trusts tailored specifically to each beneficiary. This level of targeted planning can help protect your adult child’s inheritance from:
  • Divorce
  • Bankruptcy
  • Creditors
  • Predators
  • Inability to handle money
  • Poor decisions
  • Taxes
  • Eccentricities
But what about you?  An estate and asset protection plan also needs to protect you!  Are your assets at risk? Will you lose your house if long-term care is required?  Depending where you are on the elder care journey, our firm may be able to help you better navigate the twists and turns, and the pitfalls and roadblocks of planning to live.  That’s right, because we all know we’re going to die… but what if you live? What if a protracted illness sees you stuck in a care facility for an extended period of time? Will you have the resources to survive without leaving your spouse destitute? Will your children have an inheritance when you’re gone? That’s where the experienced professionals at Law Elder Law come in.  Our team is ready to help you plan and protect your future, for better or worse. 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, Estate, Asset, and Retirement Tax Attorney 8 times named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine, Rick has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law Elder Law, LLP, focusing in Estate, Asset and Retirement Taxes. 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!
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by Rick Law, Aurora, Illinois Estate, Asset and Retirement Tax Attorney.  Rick Is Founder of the Estate Planning Center at Law Elder Law and presents multiple complementary workshops every month on how you can plan and protect your future. Back in 2008 I had the pleasure of working with Rocky Greene as he held the hand of one of his clients who was beginning to slip into the early stages of dementia. Because of his proactive concern for his clients, he worked with his clients (a husband and wife in their 70’s) and their adult children in helping them to modify their existing estate plan into a long-term care plan with asset preservation for the healthy spouse and appropriate distributions for the children at the time of the death of both of the spouses. I decided to give Rocky a call to ask him what was going on in the financial investment world from his perspective. There are four crucial areas of investment management, all of which need to be addressed to have a truly healthy financial plan for the future:
  • Level of Risk.  When someone asks Rocky about investment management, he counters by asking them a question right back: How you are going to manage your money, not only in an up market, but also in a down market, or in a sideways market?  The key to getting the most out of your investments is not by blindly following your financial advisor, but by doing what is right for you.  The key to good investment management is communication.  Individuals need to be able to share with their financial manager what level of risk they are willing to tolerate.  Some will be comfortable playing the market and hoping they’ll win big.  But for those who insist upon guarantees, an annuity may be the best choice available to them.
  • Proper Insurance Planning.  No matter what your level of risk, investment management also includes the having proper insurance for any of life’s risks.  This includes not only the obvious, life insurance, but also the less obvious: long-term care insurance, and appropriate liability insurance in the event that you are sued.
  • Estate Planning.  It is absolutely critical that you put together a proper estate plan so that your inheritance goals will be properly structured in writing, not only from a tax standpoint but also to determine who is in charge.  Every person, regardless of the size of his or her estate, needs to take the time to put together a plan with directions to loved ones, detailing not only what should be done, but what should not be done with the worldly assets that are left behind.
  • Medicaid/Public Benefits Planning.  Lastly, Rocky believes that Medicaid/public benefits planning is essential!  In today’s environment, even a $2 million net worth individual or couple can have their life savings completely destroyed by failure to properly plan for long-term care.  These days, when you have the very real possibility of one or both individuals needing long-term care for 8 to 12 years, it is easy to take an estate from $2 million or more to absolute zero in that period of time.  To avoid this, you need more than basic planning—you need long-term care planning as well.
A healthy body isn’t achieved by fixing one aspect of your lifestyle and then stopping; it includes giving attention to diet, exercise, mental health, and environmental factors.  Neither does a healthy financial plan stop after making a change in just one area.  You must give attention to all the components of your body of investments to have a truly healthy financial portfolio. 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, Estate, Asset and Retirement Tax Attorney Rick has been named #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine 8 times in a row. 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 Elder Law, 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
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By Estate, Asset and Retirement Tax Lawyer Rick Law of the Estate Planning Center at Law Elder Law.  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 Elder Law, 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!
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By estate planning attorney Rick Law.  Rick is founder of the multi-generation law firm Law Elder Law 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 Elder Law, 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 Elder Law, 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!
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By estate planning attorney Rick Law.  Rick is founder of the multi-generation law firm Law Elder Law in West Suburban Aurora, IL.   In my last installment of this blog, you learned a little about what probate is – and why you’ll likely want to avoid it at all costs! As you might imagine, if your family is forced to deal with probate for months or years, it can become extremely costly. In addition, what passes through probate is made public record… meaning all your laundry is aired, for better or for worse. In my office, I have seen too many people fail to plan properly. Unfortunately, the person who failed to plan has not only passed their estate to their loved ones, but they have also passed a huge burden onto their children and/or spouse. The good news is, with proper documents in place, you can avoid putting that load on the ones you love after you pass.  With planning that is right for your unique situation, you can put your mind at ease that your family will have the best possible outcome when you die. Always be sure you talk to a qualified Elder Law attorney before you take any steps.  While probate can be expensive and inconvenient, for some it is the best option.  Every person’s circumstances are different.  Make sure you’re making the right choice for your family before you put anything in place. Call my office at (630) 585-5200 to find out what’s right for your situation. 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 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 Elder Law, 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!
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By estate planning attorney Rick Law.  Rick is founder of the Estate Planning Center at Law Elder Law in West Suburban Aurora, IL.  LEL is a multi-generation law firm. There are countless lawyers who can help you draw up a will and other papers to tell the courts what to do with your assets when you die.  Just about anyone who has passed the bar exam can write you up a “Death Plan.”  The problem is just that – a will only comes to life after you die.  You need an estate plan that ensures your quality of life while you are still alive. There are very few attorneys who focus on just how to give you or your loved one a “Life Plan.”  What Law Elder Law specializes in is not just how to divvy out your assets when you’re gone, but how to make sure those assets remain intact while you are alive so you have a legacy to leave to your loved ones.  With the cost of nursing home care averaging $6,000 per month, a lifetime of savings can be wiped out in a matter of months. Law Elder Law works to protect your assets, legally, and assure you that you will not be left out of money, out of options, and robbed of dignity.    You don’t have to outlive your money or your assets. Rick Law has organized Law Elder Law to provide the answers that “throw a lifeline” to individuals in danger of sinking under the weight of a long-term nursing care burden, or those who want to make sure they are never faced with that crisis situation.    Call LEL toll-free at 1-800-810-3100. 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 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 Elder Law, 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!
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By estate planning attorney Rick Law.  Rick is founder of the Estate Planning Center at Law Elder Law in West Suburban Aurora, IL.  LEL is a multi-generation law firm. Dementia and chronic illness can be one of the most devastating experiences a family can face.   Rick Law, through both his family and friends, has experienced that devastation and responded to it by founding Law Elder Law. LEL is a firm dedicated to helping victims’ families not only cope with their grief and confusion, but discover how they can save the assets their loved one has worked a lifetime to achieve. Rick has seen the incredible burden that is borne not only by the families of his clients, but has  been affected within his own family. He has watched as family members have exhausted their own health and emotional resources by being sacrificial caregivers. This sacrifice is a major motivator that has caused us to develop the services and systems of Law Elder Law. We are dedicated to protecting and serving the elderly and those who love them. Rick began his work in the area of Elder Law in 2000, when he received a frantic call from friends that began with a panic-driven question, “Rick, my husband has been diagnosed with Alzheimer’s disease. Am I going to lose my house?  Everything we’ve worked for?  What can I do?” At the time that Rick received this question, he responded, “I don’t know.” Even though Rick did not know the answer, he did not let that stop him from setting out to help his friends. He embarked on a mission to find the answers for this aging couple, and others in distress. That phone call led Rick to discover the answers to questions that families in crisis ask, and desperately need to have answered. He learned quickly that almost no one seemed to know how to advise clients in this type of crisis. 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 Elder Law, 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!
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By Estate Planning and Elder Law Attorney Rick Law of the Estate Planning Center at Law Elder Law.  LEL is a multi-generation firm serving seniors and their families in Aurora, IL just West of Chicago off of the I-88 tollway.   An all too familiar phone call came into our office the other day: “My mom is elderly and ailing, and my siblings and I need advice on how to help her.  Our folks have a decent monthly income and assets, but the nursing home costs are three times that much! Nobody made any plans for this. My parents never expected to live this long. We don’t know what to do.  I can’t have them live with me. Help me, please!” Nobody enjoys the feelings of hopelessness and impending doom brought upon by this kind of situation. But “We don’t know what to do!” is just the beginning of the journey for the concerned family. Often we get this phone call from the child or spouse caretaker because the person in need of care isn’t ready to admit yet that they need help.  We can’t force a parent to get assistance, but we can be the “voice of authority,” to tell them when it’s time to start letting go and facing reality.  It is our job as elder law attorneys to help our senior clients–and those who love them–make those tough end-of-life and long-term care decisions The call from the kids has several possible motives, and more specifically, several underlying emotions:
  • Love and responsibility: to provide the best care for mom or dad with the least destruction of their assets during their lives.
  • Seeking relief: the need to lift the care and cost burden off the caregiver, who may be the caller himself or another loved one.
  • Fear of loss: the desire to conserve the benefits of the parental assets, either during the parents’ lives or at the time of their deaths.
  • Greed: the desire to get access to the parents’ assets so the assets will not be “lost.”
  • Confusion: Looking for a source of care and comfort at a time of great emotional and financial stress.
  • Guilt: for not being able to do more for a needy parent, spouse, or other loved one.
  • Shame: one man recently said to us, “I just can’t believe that I have to put the love of my life in a nursing home.”
  • Anger: “Why did my parents not plan better?” “Why me? My siblings never help me take care of dad.” “I wish he would just die.”
  • Frustration: over conflict with declining parents.
  • Self-preservation: worry about how much of their own limited resources must be used to provide parental care.
If your loved one has memory problems and you’re afraid of the consequences that may bring, give our office a call today 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 Elder Law, 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!
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By estate planning attorney Rick Law.  Rick is founder of the Estate Planning Center at Law Elder Law in West Suburban Aurora, IL.  LEL is a multi-generation law firm. A Love and Protection Trust can be used to help safely provide for:
  • A loved one with a drug or gambling addiction
  • A child with a controlling spouse or partner
  • A child who has failed to launch
  • Those who will simply never be able to handle money, for any reason
  • An unemployable person
  • Someone who is at risk of being taken advantage of by creditors or predators
  • A loved one who makes poor life choices
  • Any loved one who is vulnerable
A Love and Protection Trust is designed to be a legal tool that can provide protection, motivation, and encouragement for an adult child who is unable to make careful and supportive decisions with his or her money. The LPT works to make certain that your investment in your adult child is used to further your caring purposes, positive values, and enduring concerns for his or her well-being. The way this works is that a trustee will use your written trust instructions to help safeguard your property in order to benefit your child. Trained investment professionals will defend the money and work to maximize a reasonable and profitable return on the assets that you have left. By law and by the trust document itself, the trustee must make wise and intelligent decisions to protect your child and your trust. Unfortunately, it happens all too often that adult children squander their entire inheritance – unless you take control by making a gift of love and protection by using a lifetime trust. The LPT prevents an adult child from foolishly spending, wasting, and losing your hard-earned estate. Your investment in your child is protected from creditors, failed marriages, and other predators. Some adult children are extremely vulnerable to creditor lawsuits and many other types of legal claims. An LPT can be designed to discourage substance abuse and to provide for the special needs of your adult child. You can and should build protective walls around the legacy that you have chosen to leave your loved one. You can truly build a fortress with this trust. At its most basic, a love and protection trust will be there for your child long after you are no longer able to be directly involved. Your legacy of love, protection, and sound investments will give your adult child the best chance to have money still available if and when he or she eventually chooses to seek help to make a positive life transformation. Call our office to discover more about how you can help rescue your vulnerable child for their whole lifetime. 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 Elder Law, 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!
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