In previous bog posts, I have emphasized the importance of having a power of attorney. Without a comprehensive power of attorney, many people are unable to handle the financial affairs of their loved ones, nor make health care decisions without court intervention (conservatorship and guardianship). Unfortunately, it continues to be our experience that many people, including financial advisors, accountants and even some attorneys do not understand what exactly is a power of

The elderly are increasingly looking to their families to provide care for their needs. Unfortunately, as the growth of the elderly population outpaces the younger generation, there are fewer caregivers available to take care of elderly loved ones. This causes significant stress on caregivers as they try to handle the care for a loved one (often on their own) while also managing their own family. The typical family caregiver is a female in her mid to late forties, works full-

As explained in past newsletters, the Medicaid rules often cause a lot of confusion. Hardly a day goes by that someone will assume that they cannot do anything to protect their assets. In fact, clients are often astonished to learn that the Medicaid rules actually do provide a number of legal strategies to protect assets. This newsletter focuses on planning options for married couples when one spouse requires nursing home care Recently, a client was seeking help because his w