Asset Preservation and Long-Term Care

Are you ready for the expense of long-term care?

The Heltzel Kalloz Financial Advisory Group has a vast knowledge of helping seniors and their families plan for their Long-Term Care needs. Often as we age, our medical or long-term care expenses increase. If this is not planned for, you may see a significant depletion of assets. Our team works with local estate attorneys to give you the education you need to avoid losing your life savings.



    - Are provided by Elder Law Attorneys that we work closely with, at affordable cost for our clients.

    - These trusts help shelter wealth from look-back periods, can assist in qualifying for Veterans Administration (VA) programs, avoid the worry of probate, and more.    

VA Benefits

     - Help pay for nursing home and assisted living costs

Medicaid Compliant Single Premium Immediate Annuities (SPIA)s

     - This type of SPIA can provide financial protection for the common spouse if the Husband/Wife is in extensive care

          It must have the following parameters:

           - Irrevocable

           - Non-assignable

           - Actuarially sound

           - Designate the state medicaid agency as the beneficiary

           - Provide for equal payments with no deferred or balloon payments

     - Please consult Elder Law Attorney before proceeding.

We can assist you and your family with long-term care planning and protect your tomorrow by making these important decisions today! 

Social Security Fact Sheet

Medicare Fact Sheet

Click here to learn more about our long-term care planning services or to schedule an appointment. We look forward to helping you with your family's long-term care needs.