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Click here for our Elder Planning brochure

As we grow older, our needs may change ... but not our most important goals.

We all want to manage our obligations, while we make the most of our opportunities. We all want to preserve our assets, provide for our families, and prepare for our futures.

Meeting these goals means handling an increasingly complex connection between income and expenses; investment decisions and estate planning; health care needs and housing options.

That's exactly what our Elder Planning Services can help you do.

Elder Planning Services is a unique, customized package of services designed to help you maintain your lifestyle and independence. It offers you the objective advice, in-depth information and expert assistance you need to make your best choices - all from a source you trust.

For an excellent guide on facing important end-of-life decisions for you or a loved one, please click here.

Here are some of the ways Elder Planning Services can help you make your best choices so you can get the most out of life. Decide which ones matter to you ... then call us today!

Analyzing and monitoring income and expenses
  • Keeping tabs on your money
  • Assessing your investments
Estate planning
  • Minimizing your family's tax burden
  • Planning the transfer of assets and making the most of your bequests
  • Developing a gifting strategy to meet your financial and personal objectives
Retirement issues
  • Arranging retirement account distributions
  • Naming beneficiaries
  • Addressing questions about Social Security/Medicare
  • Filing claims and appeals
Structuring and funding trusts
  • Understanding tax considerations
  • Arranging charitable giving
  • Developing asset protection strategies
Long-term care
  • Evaluating the benefits, features and carriers of long-term care insurance
  • Understanding your long-term care options
  • Assessing the pros and cons of funding options
Lifestyle considerations
  • Buying or selling a home or other property
  • Minimizing estate and tax ramifications of real estate choices
  • Determining the assets you need to maintain your lifestyle

Caution:  Asset protection plans should be developed and implemented well before problems arise. Due to the fraudulent transfer laws, asset transfers that occur close in proximity to the filing of a lawsuit or bankruptcy can be interpreted by the court as a fraudulent transfer. Proper structuring of these assets is imperative please seek proper legal and tax advice prior to engaging in re-titling/structuring of any assets. Please note that laws are subject to change and can have an impact on your asset protection strategy.
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 IRS CIRCULAR 230 NOTICE: Pursuant to recently enacted U.S. Treasury Department Regulations, we are now required advise you that, unless otherwise expressly indicated, any federal tax advice expressed above was neither written nor intended by the sender or this firm to be used and cannot be used by any taxpayer for the purpose of avoiding penalties that may be imposed under U.S. tax law. If any person uses or refers to any such tax advice in promoting, marketing or recommending a partnership or other entity, investment plan or arrangement to any taxpayer, then the advice should be considered to have been written to support the promotion or marketing by a person other than the sender or this firm of that transaction or matter, and such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

Copyright © 2016 Michael David Schulman. All rights reserved.

Check the background of this financial professional on FINRA's BrokerCheck.