Planning

Medicaid Pre-Planning & Crisis Planning


Pre-Planning is done when a client does not need immediate long-term care services. It is also for the client that does not anticipate needing long-term care anytime soon. Pre-Planning is for clients that do not want to deplete their assets on long-term care in the future. Pre-Planning preserves assets for spouses and future generations. One...
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My Loved One Passed Away Without a Will – Now What?


If you have been tasked with settling the estate of deceased loved one who has not left a will, you probably have several questions about how their estate will be distributed. When someone passes away without having created a last will and testament during their lifetime, their assets and property are distributed in probate court...
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Who Pays When Parents Die With Debt?


Some people worry that if their parent dies with debt, that they will be responsible for paying it off. In most cases, this is not true. In the probate process, when a person dies, their assets become part of the estate, and it's the value of the estate that pays for any debt the person...
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Reverse Mortgages Can Provide Retirement Security


If you’re 62 or older and need a source of money to pay off your current mortgage, make home repairs, supplement your retirement income or pay for any other expenses, you may have considered a reverse mortgage. A reverse mortgage is a loan that allows you to convert part of the equity in your home into...
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How Seniors Can Protect Themselves from Fraud


Two basic strategies can help seniors and their families lessen the chances of becoming a victim of investment fraud. One is to Practice Self Defense by following five simple steps. A second strategy involves a broader and more specific approach. Below, the section How Family, Friends, Caregivers, and Investment Professionals Can Help provides questions and checklists that can help protect...
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Talking Heads, Chasing Yield, and Other Top Investor Threats


Most New Year's lists of the financial variety are inflicted on the public for no apparent reason. No one consistently predicts the direction of the stock market or can tell you the 10 Best Mutual Funds to buy or which mattresses will best conceal your cash. The Texas State Securities Board’s list of Top Threats To...
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Medicaid For the Aged and Disabled in Texas


According to Medicare.gov, there are 1,219 nursing homes in Texas, of which 95% of them accept Medicaid. Of the 35 nursing homes in Fort Worth, only 7 are not certified to receive reimbursements for services provided to Medicaid recipients. A nursing home must follow Medicaid-specific regulations in order to maintain their Medicaid Certification. These regulations...
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Advance Directives


What kind of medical care would you want if you were too ill or hurt to express your wishes? Advance directives are legal documents that allow you to convey your decisions about end-of-life care ahead of time. They provide a way for you to communicate your wishes to family, friends and health care professionals, and...
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Investor Alert: Pension Advance Scams


If you are receiving regular payments from your pension, keep an eye out for sales pitches that ask you to trade the stability of those payments for the opportunity to make a quick buck. The come-on will probably be as subtle as a used-car ad: Are you earning a pension from your former employer and need...
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Fort Worth Investment Advisor Revoked for Fraud, Unregistered Activity


Texas Securities Commissioner John Morgan on March 18 entered a Disciplinary Order revoking the registration of James Poe, a Fort Worth investment adviser representative who was found to have engaged in fraudulent practices and sold securities without being properly registered. Jim Poe & Associates Inc., Poe’s investment advisory firm, was also sanctioned for failing to disclose...
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