Tag Archive for: lifeplan

Estate Planning Is Dumb, A Waste Of Time

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You Scream, I Scream, We All Scream For Ice Cream!
We Also Scream To Avoid Planning

“We have forty million reasons for failure, but not a single excuse.”
—Rudyard Kipling

“It is better to offer no excuse than a bad one.”
—George Washington

Are You A Failure At Making Excuses?

Poor Rudyard Kipling. He is like you. Forty million reasons, but not a single excuse? Perhaps he lacked skill. Or talent. Not even a single excuse in a gigantic 40 million straw haystack of reasons? And you are in the same boat. Have you ever come up with an excuse that satisfied your spouse? Me neither.

George Washington, Founding Father, spoke with the voice of experience: “Better to offer no excuse than a bad one.” How could it be that George Washington, “First in war, first in peace, and first in the hearts of his countrymen.” failed so miserably at making excuses? And fail at excuses he did… How else could he learn that bad excuses are the worst? And when George failed to excuse failure, what did he do? Founder the United States. Revolutionary. Beat the British. Farmer. Inventor. Statesman. Stuff like that.

You have 40 million reasons to avoid LifePlanning™. But when your dearly beloved suggests planning ahead, your 40 million reasons to do something else strangely evaporate. Like mist in the morning sun. Dense fog one minute, clear day the next. What is this phenomenon? The answer is obvious!

It is not reasons that you lack, but excuses. And we are here to help. As a public service. No charge. Expert excuses, here for the reading. High quality, too. When it comes to shirking important responsibilities, ordinary, everyday dodges will not suffice. You need professional help.

Tip-Top Training And Practical Preparation In The Art Of Avoidance

Otter: No, I think we have to go all out. I think that this situation absolutely requires a really futile and stupid gesture be done on somebody’s part.
Bluto: And we’re just the guys to do it.
—Animal House, 1978

Four years at the University of Notre Dame, majoring in Philosophy and English. Juris Doctor from the Boston University School of Law.

Master of Laws, Taxation from Georgetown University Law Center. Judicial clerk. Five years in the Army Judge Advocate General’s Corps, mostly on the Army General Staff, at the Pentagon. Topped off by a couple years with BigLaw. Then 32 years of growth: from one guy answering the telephone all alone to a firm of 50 persnickity professionals. Need know-how? Get know-how. Now.

We don’t just solve problems, we observe how folks run away from problems, too! Flee from foul facts. Dismiss, diminish, deride loved ones’ concerns. Deny, discount, deflect their own painful predicaments. Years of daily experience with responsible, middle-class, hard-working men and women who would prefer to chew their arm off than submit to the terrible torture that is estate planning.

Who else has seen it all? Who else can help you escape? You are in good hands. You came to the right shop. It is not an easy job. And we’re just the guys to do it.

Loudly And Firmly Proclaim These Affirmations Three (3) Times:

  • Only Nerds Want To Retire Comfortably Financial Security Is Bad. And Impossible
  • I Want To Die Broke, Splurging My Last Nickels On Long-Term Care
  • I Look Forward To Nursing Home Poverty My Spouse Can Look Out For Herself. Or Himself.
  • My Kids Don’t Need Money And Would Waste Any Inheritance Anyway

Take a deep breath. Excellent! You have achieved the correct state of mind. Remember, last week we covered the first four Excellent Excuses. Let us get down to this week’s Decisive Defenses to avoid any attempt at making you look ahead.

LifePlanning™ Is Unnecessary And A Total Waste Of Time & Money Because

Don’t loudmouths always impress you? So always lead off with an audacious affirmation!

Number One: Raise your voice and daringly declare: “LifePlanning™ is Stupid, Superfluous, and a…”

Number Two: Quickly follow with one of these Negative Nuggets:

#5 … Waste Of Time Because I Only Have A House And An IRA!

Are you opposed to draining your Individual Retirement Account (or 401(k) or 403(b) or Thrift Savings Plan or other retirement account) for long-term care? Of course not! Money in a retirement plan account is just a number, it does not reflect years of working and saving, right? Besides, what would you do with that money anyway? Might as well shoot it out the door at $10,000 to $15,000 per month. And you might get lucky. Maybe you only need assisted living services that cost $5,000 to $10,000 per month. Happy Days! And home care services are only $25 per hour and up. Foolish to worry about preserving that retirement money for your spouse when the government knows so much better than you do about how to spend it.

And everybody says that the homestead is “PROTECTED” so nothing to worry about there! Of course, even without planning, the house will go through probate to your family. And when everybody was explaining how the house was “PROTECTED”, everybody also told you that if you need help (Medicaid) with long-term care, the state wants its money back. And when you go through probate, because you are too smart to waste money on planning, the state will collect its payback. From your house. Which maybe isn’t so “protected”, after all…

Of course your kids would never sell your house while you need care, right? That’s why you do not even have to think about having cash instead of a house anymore. Cash that must be “spent down.” That is not a problem because you can keep $2,000 of it. More Happy Days!

So don’t worry! There is no way you would be one of the 70% of folks who the federal government says will need skilled nursing long- term care services for an average of 3 years or one of the 20% who will need services for 5 years or more. And neither would your spouse. So you should not be concerned about $360,000 to $900,000 of skilled care costs. Never happen.

#6 … Waste Of Time Because I Hate Medicaid

Since everyone always has saved enough money to pay for long-term care, there is no need for any government long-term care program. So Medicaid is bad and wrong. It is just like Social Security.

Everyone always has saved enough money to pay for their retirement. There’s is no need for any government retirement income program.

But wait! Social Security is different! You paid in. With every paycheck, the government skimmed off 15.3% FICA (employer and employee) to pay for Social Security. So getting some return on your payroll taxes is OK!

Help me out here… Is Medicaid different? Did you ever get a paycheck where you didn’t pay federal and state income taxes on every nickel you earned? Does the government run Medicaid for free? Did you somehow skip out on paying for Medicaid? With every paycheck. And Social Security check too?

Why are you opposed to getting something back for all the dollars you paid in? It is OK to get Social Security because you paid taxes for it. But it is bad to get long-term care Medicaid because you paid taxes for it?

There are lots and lots of Medicaid programs – dozens of them. Most Medicaid programs provide for our fellow Americans who have very little.

But there is a slice of Medicaid, middle-class Medicaid, that pays for long-term care. For all Americans. Even you.

For most Medicaid programs, you have to be broke. Middle-class Medicaid lets you keep your house, up to $700,000. And your stuff, no limit on value. And your “motorized vehicle”, also no limit.

So, Medicaid is bad and you hate it. You hate it so much that you will spend all your money. Then, sell the house and all your stuff, spend all that too. And then wind up on Medicaid anyway. Sounds like a plan to me! Good luck with that.

#7 … Waste Of Time Because Medicaid Nursing Homes Are Lousy Nursing Homes!

Medicaid nursing homes, long term care facilities, skilled nursing facilities, assisted living facilities, and anyone else who provides Medicaid care are just the worst! If a facility accepts Medicaid, the place smells bad, the staff is rude, the management is poor, and the care is awful. God forbid that you or a loved one is ever condemned to a Medicaid facility or is forced to receive Medicaid services. Great excuse!

Gee, I wonder what percentage of skilled nursing facilities accept Medicaid? 10%? 30%? 50%?

Actually every skilled nursing facility accepts Medicaid. All of them. 100%. Do you have enough money to pay $10,000 – $15,000 per month for skilled care? For an average of 3 years. With a good chance of 5 years? Is it ridiculous to think that nursing homes would like to get paid when you go broke? Are you opposed to caregivers getting paid? Do nursing homes get everything for free?

Not so fast! Everybody knows that there are very few “Medicaid beds”. You know, the ones that they seal with plastic. So the bedbugs cannot escape. Just a few Medicaid beds.

Funny thing, though. About 70-80% of long-term, skilled nursing facility residents are paid for by Medicaid. How did that happen? Maybe because all beds are Medicare-certified. And all Medicare beds can be paid with Medicaid dollars.

#8 … Waste Of Time Because Medicaid Is For Poor People!

Medicaid is for poor people (meaning people without any money or stuff). And you have money and stuff, so Medicaid is not for you! Logical!

Makes sense!

Question: How long will you have any money or stuff if you are paying $10-15,000 per month for long-term care?

Are you opposed to not going broke? Is it ridiculous to think that you (or your loved one) might get better care if your life savings had not melted away like a snowflake on a hot griddle? Are you against paying for the extra services you want?

You get a shower a week in a long-term care facility. How often do you shower now? Are you against paying some of your hard-earned savings to get a shower more frequently?

If your long-term care “insurance” (also known as Medicaid) paid for the $10-15,000 cost of basic services, and, if your lifesavings were intact, would you choose to spend some of those savings to make your days more pleasant? Do you want to be poor? Is poverty more noble? Is it honorable to spend down a lifetime of work in a matter of months? Does it make sense to believe that the government knows best? Is it foolish to plan for your future?

#9 … Waste Of Time Because I Am Not Getting Older, I Am Getting Better!

Yesterday I was looking in the mirror. I felt depressed. I said to my bride of 15 years, “Honey, when I look in the mirror I see an old, fat, bald guy, and it depresses me. “Honey,” I said, “I need your help.”

“Oh?” said the love of my life, “How may I be of service?”

“Honey,” I replied, “I need a compliment. Looking at this fat, old, bald guy in the mirror here is bringing me down. I really feel the need for some compassion, a compliment would sure make me feel better!”

“Well,” said my soulmate, “Your eyesight is damn near perfect!”

Since I have been wearing glasses since the 8th grade, my wife’s compliment was exactly what the doctor ordered. I felt better immediately. So, when I ask you, “Is it ridiculous to think that you are not getting older, you are getting better?” Remember this little love tale of mine. And draw your own conclusions.

And the hits just keep on coming! More great excuses are on their way!

Here’s A Sneak Preview Of The Next Fabulous Five Excuses To Avoid Planning:

#10 … Waste Of Time Because It Is Overkill!
#11 … Waste Of Time Because I Will Spend It All Anyway!
#12 … Waste Of Time Because Medicaid Won’t Work When I Need It!
#13 … Waste Of Time Because Every Other Attorney Must Be Doing This!
#14 … Waste Of Time Because If This Worked, Every Other Attorney Would Be Doing This!

Is Now A Bad Time For A Real Solution?

Perhaps you already have all the answers. Maybe this is no problem at all. Possibly you do not believe in the passage of time.

Your habits and values have earned you peace of mind and financial security. LifePlanning™ is the easy part. You worked for the peace that only comes with financial security. What is most important, legal documents? Avoiding probate, is that the best you can do? Is family about inheritance? Or are the deeper things most significant?

Is any of this easy? Do you want to get lost in the overwhelming flood of claims and promises? Or would you like straight answers?

Well, here you are. Now you know. No excuses. Get the information, insight, inspiration. It is your turn. Ignore the message? Invite poverty? Or get the freely offered information. To make wise decisions. For you. For your loved ones.

The LifePlan™ Workshop has been the first step on the path to security and peace for thousands of families. Why not your family?

NO POVERTY. NO CHARITY. NO WASTE.
It is not chance. It is choice. Your choice.

Get Information Now.
(800) 317-2812

Why Your Shiny Brand-New Estate Plan Is A Dangerous Clunker!

Simple Questions… That Nobody Asks Until It Is Too Late.

Things Everybody Takes For Granted… But Shouldn’t

Would You Happily Put Your Kids In The Back Seat Of A Pinto?

Eyewitness: “the car exploded “like a large napalm bomb” when it was hit”

Why does anyone plan their estate? Why did you spend all that time and money for a will or trust? If you are like most people, you plan ahead for peace of mind. Sure, the future is uncertain, but we are not helpless. Estate planning and elder law can ensure that our life’s work will serve us. And our families or loved ones. Too bad most planning does not work that way.

What does everybody know about the Ford Pinto? It was a good-looking car. Economical! Popular in the 70’s. Millions sold. But it had an unfortunate tendency to explode on impact, engulfing its passengers in a gasoline fireball. With disastrous consequences for all concerned. Yikes!

I love my 1956 Chevrolet BelAir. Less than 26000 miles on the odometer. All original, from the canvas “carpet” to the radio with tubes rather than transistors. But the dashboard is painted steel, no padding. Seatbelts? Not in 1956. The steering column is solid metal. That ends in a point. Disturbing tendency to turn the driver into a shish kebab in a head-on collision. Airbags not invented yet. Whoops!

I do like to drive my BelAir… it is not a museum piece. But I drive it carefully. Cautiously. Defensively. With my kid in the backseat.

Today’s cars are loaded with airbags, mirrors, collision avoidance systems, backup cameras, beepers, buzzers, bells and whistles. New cars have airbags all over the place. Some slam on the brakes automatically. The Caddy even tightens your seatbelt before a crash. Nothing to worry about. Whew!

Your Estate Plan Is An Edsel

Most estate planning is like the Edsel. Obsolete from the get-go. Answering the wrong questions. And doing it poorly.

The Wrong Goals: Avoid Probate. Save Taxes. Get It to the Kids. These things all happen after you die. But you are not dead yet. Shouldn’t we be a little concerned with what happens before you die? Maybe taking care of you is the best way to take care of them.

How do you feel, loading your kids into the backseat of a 1975 Pinto? Taking them to school. Driving around town. Going to see grandma. Safe? Secure? Or are your eyes locked on that tiny rearview mirror. Fearfully scanning for danger?

Why Is LifePlanning™ Never Obsolete?

LifePlanning™ is not a Pinto. Or a 50’s Edsel. LifePlanning™ is focused on you. On the real concerns that affect you and your family. Incapacity. Dementia.

These dangers are real. Ignore them if you like. At your peril. That is what the Pinto folks did. With explosive results. You can take an outdated, obsolete approach. With an estate plan that has not evolved since the 1950’s. Resulting in Nursing Home Poverty. No choice for you. No legacy for the kids.

LifePlanning™ maximizes the things that are most important to you. We all have to go sometime, but why rush it? Why not remain alert? Independent? Engaged? Aware? In charge? Why shouldn’t your choices matter? Refuse to let others decide “what to do” with you! Reject dependence.

LifePlanning™ gets you the benefits you have earned, while preserving life savings. Not for the kids, but to supplement those earned benefits. Eight thousand dollars a month ($8,000/ month) for assisted living. Fifteen thousand ($15,000/month) for skilled care. Who can afford it? Medicaid is the way America pays for long-term care. Medicaid wants you broke. Medicaid is the government solution.

LifePlanning™ says OK! You earned the government solution. But since when was the government solution adequate? Why did you work? Take overtime? Save and invest? You do not have to settle. You can make your lifesavings work for you while receiving the benefits you earned.

Is A “Pinto” Plan “Good Enough” For Your Spouse And Family? For You? Why Don’t You Deserve “Cadillac” Planning? Is The “Cadillac” Plan Too Good For Your Spouse? Your Family? Why?

Thousands of middle-class families have used LifePlanning™ to get the peace of mind that comes from loading your family into the safest, most comfortable vehicle possible. Without thorough planning you will spend yourself into Nursing Home Poverty. You get what they feel like giving.

Not what you have earned. Not what you want. Not what you deserve. With a whimper, not a bang. Quieter than a flaming fireball of dramatic death, but just as devastating. To you. To your family. Are you really opposed to getting a small return on all the tax dollars you paid in?

Without LifePlanning™ , you are driving a Pinto. Do not have good answers to the questions. No one has your back. Maybe things will work out. Maybe you will get home today. Maybe. Why not be sure? Do you think security is a bad thing?

LifePlanning™ preserves your lifesavings. You never go broke. Your earnings serve you throughout your lifetime. And that means…
You stay home. Longer. You get the help you need, that your spouse needs. Clear-eyed. Relevant. Participating in your own care.

The Choice Is Yours. Does Quality Of Life Matter To You?

We Wasted 2021. See It Through in ‘22!

Last year, the number of regular folks planning their futures dropped. Significantly. Fewer people focused on planning ahead, LifePlanning™. I fear 2021 was a year of wasted opportunity for regular families. Devastating.

Get the information you want. In- person workshops and one-on-one meetings. Recorded and live-streaming webinars. Like you, we have never stopped serving. As you seek out new ways to accomplish your life’s work, we are on the same journey. By your side. Making the rules work for the people who play by the rules.

Sixty minutes to personal control. Now and as long as you wish. Because you earned it. Avoid Nursing Home Poverty. Thousands of middle-class families have learned and use these techniques. Why not yours?

Got Questions? Get Answers!
Get Answers Now… The Call That Changes Your Life…
(800) 317-2812

Come To An In-Person Workshop…
Livestream On-Line And Get Answers
To Your Particular Questions Whatever It Takes To Serve!

Losing a Loved One… Do Not Go Gentle Into That Good Night

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Can The Last Days Be The Best Days?

Do not go gentle into that good night, Old age should burn and rave at close of day;
Rage, rage against the dying of the light.
—Dylan Thomas, 1947

Newsflash: Life Is Not Easy

Don’t we live in a loud, demanding world? Personal and professional responsibilities compete for each moment of attention. Spouse, Children, Parents, Job, Commitments. And you want to do it all. For everyone. To satisfy each person’s need. You run as hard as you can, as fast as you can. Will it be enough? Will you be satisfied with your choices, your decisions? Have you had enough practice with the balancing act? Navigating through conflicting imperatives is second nature to us now, like breathing out and breathing in. Does that make it easy?

Gratitude comes in moments of calm reflection. As you consider your own life, who are your heroes? With whom do you seek to spend time? Business partners? Professional colleagues? Bankers or financial advisors? With whom do we spend the most time? Are our brief moments with loved ones: good friends, grandparents, parents, brothers, sisters, wife, husband, children… are they insignificant? Are personal, intimate experiences and relationships without meaning? Are commercial attachments the most important?

You are an adult. A grownup. You know the truth that younger people seek to deny. You know that: Life is choices. Balance is critical. There are no easy answers. Hard decisions must be made. Family responsibilities are real and must be honored. Obligations to business team members and others who rely on you are genuine, too. You cannot run away from the tough stuff. You cannot pretend it is easy. You cannot wish it away. That is not how the world works. Whatever the storybooks say.

Hold Yourself To Account

When your mother closes her eyes for the last time, will she regret that you did everything possible for her comfort and support in her twilight hours? Or will she wish that you had closed another deal? Taken some more overtime? Kept your nose to the grindstone?

Will your aging father be disappointed that you spent as much time as possible with him and provided well when you could not be at his side? Or will he be distressed that you preferred his companionship to another company meeting?

Having done the very best you can for your loved ones in their time of need, will you feel guilty? You have run the race, fought the good fight, poured yourself lovingly into care for your loved one. You were there when you could be. You provided for care when you could not. Is it ridiculous to think that you could be contented, even quietly proud, while grieving the loss of that special person?

Something Is Gained And Something Is Lost In Living Every Day

Not many World War II veterans are still around. There are a few. Like my father. Winding down a life that stretched almost 97 years. Still “sharp as a tack” he still does things according to his own notions. He has no mental limitations and has never seemed to appreciate his own physical limits. So, my brothers and sisters and I have been taking turns living with Dad, a couple weeks at a time. For years. A couple weeks at a time, sharing the opportunity, so that Dad is never alone. Well, hardly ever.

Recently a checkup revealed a serious progression of congestive heart failure. Not unexpected, not welcome either. So we decided to spend a few more days with Dad. Two of my brothers were already staying there.

On the way to his house, one morning, my brother called to redirect me to the hospital. Dad was unresponsive. The EMTs said his heart had stopped and they put him on an external pacemaker in the ambulance.

Dad woke up in the hospital. And immediately demanded to go home. And rejected the idea of a pacemaker. Which the doctor said was his only chance for continued life. Which Dad firmly refused again. Consistent with earlier statements.

So the doctor got the palliative medicines ready. Turned off the machine. And… Dad kept going without the machine. An astonished doctor said he would not try to explain it and that Dad could go home.

When will that final moment arrive? Not yet. But 8 children, 20 grandchildren, and a couple of new great-grandchildren got one more opportunity to know Dad.

Available Options Are Unacceptable

When my mother suffered from the dementia which led to her death, over 10 years ago, their LifePlan™ preserved 50 years of lifesavings. Mom’s months in the nursing home did not mean Dad’s impoverishment. Dad has spent the last years with security and peace of mind.

But now the limitations of the system have struck home. More profoundly than ever before. Hospice has been wonderful, a Godsend. But Dad now needs round the clock care. No one wants him in a long-term care facility. Least of all himself.

But how to provide care? My family’s solution only works if you had 8 children most of whom could work remotely. And we are not all medical people. We do not know what to do. Or how to do it.

The current situation is simply not acceptable. Dad is ready, willing and able to hire a Certified Nursing Assistant, even an RN. But the demand is so great, they are hard to find. At any price.

Does it seem right to you that the person you have hired to keep watch overnight gets more sleep than you do? Well at least you didn’t wake your caregiver by snoring. As she woke Dad. Twice. As the video shows.

Large families like my father’s are few and getting fewer. There once was something called the “Sandwich Generation”. When your children were willing to care for their own kids and care for you as well. The Sandwich Generation is almost a thing of the past. Not quite gone yet, but…

Over the last 32 years there have been tremendous changes in long-term care. From “Nursing Home or Nothing!” to a wide range of options and choices. From an acceptance that your lifesavings would be quickly eaten up by long-term care costs, to the realization that there are programs that can preserve those savings. For yourself. For your family.

At-home care has changed also. The “friend from church” or “neighbor lady” who could be counted on to help out for $5/hour… gone. She has either retired or been hired at $20/hour by an agency. An agency that charges $40/ hour for caregivers with minimal training and no credentials. “Caregivers” who cannot stay awake.

For 32 years, I have rejected traditional notions of estate planning. Traditional planning is failure planning. My firm pioneered and advocates for LifePlanning™. No Poverty: You will not go broke. No Charity: Your caregivers will get paid. No Waste: Your heirs will get their inheritance.

Maybe it is time to reject traditional notions of at-home care. Are you opposed to living your last days independently in familiar surroundings? Is it a ridiculous idea to expect you could receive cheerful, professional, wide-awake care without a nursing facility? LifePlanningTM™ has always focused on preserving your lifesavings so that your lifetime of work and thrift would continue to serve you until the very end.

But what if the services are not available? What if the money does not matter because the choices for care are so limited? Or not acceptable? Who will fill the gap? Who can you trust? Is now a bad time for a new solution?

Is Now A Bad Time For A Real Solution?

Perhaps you think you already have an answer to this problem. Maybe you do not see this as a problem at all. It is possible that you do not believe in the passage of time or its effects on you.

For many years, that’s how I felt about my father. He seemed to never age. Always the same peppery mix of cutting humor, sentimentality, ferocious attention to detail, and strength. He has not changed in his personality, but he is no longer independent.

My brothers and sisters and I have been privileged to be with him almost the entire time. Without each other, this moment would have come years ago. We have come to terms with the situation. But I am determined that everyone should be able to make good choices.

Peace of mind and financial security are waiting for everyone who practices LifePlanning™. You know that peace only begins with financial security. Are legal documents the most important? Is avoiding probate the best you can do for yourself or your loved ones? Is family about inheritance? Or are these things only significant to support the foundation of your family?

Do you think finding the best care is easy? Do you want to get lost in the overwhelming flood of claims and promises? Or would you like straight answers?

Well, here you are. Now you know. No excuses. Get the information, insight, inspiration. It is your turn. Ignore the message? Invite poverty? Or get the freely offered information. To make wise decisions. For you. For your loved ones.

The LifePlan™ Workshop has been the first step on the path to security and peace for thousands of families. Why not your family?

No Poverty. No Charity. No Waste.
It is not chance. It is choice. Your choice.
Get Information Now. 800-317-2812

We Sure Do Love Resolutions… Mostly We Love Ignoring Them

New Year’s Resolutions
Safe To Go Back To The Gym?

Top Ten New Year’s Resolutions
From the Home Office in Grand Rapids, Michigan, here are the top ten New Year’s Resolutions:

1. Exercise more
2. Lose weight
3. Get organized
4. Learn a new skill or hobby
5. Live life to the fullest
6. Save more money / spend less money
7. Quit smoking
8. Spend more time with family and friends
9. Travel more
10. Read more

—GOSKILLS.COM

Alert Readers will may notice that LifePlan™ made the list 3 times:
#3 Get Organized,
#5 Live Life to the Fullest,
#6 Save More Money.

New Year’s Resolutions Are Hard!

By now, of course, you have probably can’t remember your New Year’s Resolutions. Forget about trying to actually carry them out. Well, The Michigan Elder Law Reporter is always here to help! Are you against achieving 3 New Year’s Resolutions all at once? Is the beginning of another mad and merry year a bad time to get started? Is it a ridiculous idea to think that attending a LifePlan™ Workshop could be the start of something really big for you and your family?

LifePlan™ Workshop Resolutions Are Easy!

At the top of this page are the Workshop listings. Go. Pick a date and location. Pick up the phone or email us. Or sign up on our website by clicking HERE. Pick up your date. Come to the Workshop. In a few short minutes (60 minutes, but it goes fast) you will have accomplished 3 of the top 10 most popular New Year’s resolutions. And enjoyed some fresh-baked oatmeal raisin cookies, too.

Well, here you are. Now you know. No excuses. Get the information, insight, inspiration. It is your turn. Ignore the message? Invite poverty? Or get the freely offered information. To make wise decisions. For you. For your loved ones.

No Poverty. No Charity. No Waste.
It is not chance. It is choice. Your choice.
Get Information Now. 800-317-2812

Just In Time For Christmas Gift-Giving…

Job 19:23-24
An Answer To Job’s Prayer?

NOTE: A professional journalist, a mild-mannered reporter for a great metropolitan newspaper (who wisely insisted on anonymity) made the mistake of sitting down to interview David about his new book, “How To Keep The Gold In The Golden Years.” Several hours later, Clark said he had enough material to write his own book. Would you like to know what they discussed? Read on…

PROCEED AT YOUR OWN RISK: The following is a blatant attempt to get you to buy David’s new book. You have been warned. You will also be delighted if you actually buy the book.

CLICK HERE TO BUY THE BOOK!

Why Do America’s Middle-class Seniors Go Broke?

New book reveals how they wring out your lifesavings and hang you out to dry. Your Family’s Personal Attorney offers middle-class savers surprising insights so you can ‘keep the gold in the golden years’

No one has to tell you that Middle-class America is under siege. Prices are skyrocketing. Government enforces strict obedience from some (you), none from others (not you). That’s fair! Right? Everybody blaming everybody else. Toxic politics. That’s fair! Right? Trillions for the politicians! And who pays? Look in the mirror. That’s fair! Right?

David grew up when families were big, every kid had a paper route, and you stayed out until the streetlights came on. Boy Scouts, Girl Scouts, Kiwanis, YWCA. You worked because that is what good people did. And you saved. For the future. Education. You went to church, and you believed. “Do unto others…” “Let your ‘yes’ be yes, and your ‘no’ be no.” David might be a lot like you.

From paper route to restaurant jobs to autobody repair. Army scholarship to Notre Dame. Boston University Law School. Captain, Army JAG Corps. Jumping out of airplanes, working at the Pentagon. Georgetown University Law. Big law firm time. Solo practice. 40 years practicing law. Radio show host. Newspaper opinion writer. Never forgetting where he started, who he is.

Guided by respect and love for America’s overlooked Middle-Class families. Seeing and solving regular folks’ problems. Maybe other lawyers and professionals just don’t get it. Can’t see? or Don’t care? Does it make a difference? Forty years working for you. Fighting Nursing Home Poverty. You earned the American Dream. You do not have to surrender.

They told him, “You cannot combine authentic humor and serious scholarship.” David said, “Hold my beer!” Read the book. Find out for yourself. Thousands already know. David’s “Elder Law Reporter” appears in almost all weekly newspapers. For some, it is the only reason to keep their subscription. Others clip their favorites. Some have a complete collection! For almost 20 years, his two-hour call-in radio show has been a beacon of wit and wisdom. Humor and insight, a powerful combination.

Growing his law practice throughout Michigan, David is an attorney who has focused on securing the future for middle-class families. By preserving their hard-earned money, they can choose how to live. And they can give advice! Having heard “You ought to write a book!” thousands of times, David is now sharing the mindset that illustrates and explains how to win by bucking the herd mentality to retirement planning.

David L. Carrier and his team of 50 attorneys, paralegals, accountants, and specialists, deliver elder law and estate planning results from offices in Grand Rapids, Holland, Norton Shores and Portage. Combing the archives, compiling true stories and real solutions from years of newsletters, blogs, and newspaper columns. David lays bare the truth that the system works against average individuals who work hard and follow the rules.

“How to Keep the Gold in the Golden Years: Protect Your Family Against Nursing Home Poverty,” is a fast-paced, entertaining read that will change the way you think about retirement and long-term care forever. Through real-life scenarios and accurate accounts demonstrating the widening gap between the experience of people who should be aging with grace and comfort and hard reality of nursing home poverty on bare government assistance. You have already done the hard work, but is it hard to believe that bad advice leads to poor results? See how those who plan properly have ensured that their lifesavings and estates serve themselves and their families. Not big-spending, self-important politicians and government bureaucrats.

“Middle-class families spend all of their lives working hard, saving more than they spend, paying down the house, hanging on to the family heirlooms,” said Carrier during a recent phone interview. “And then they go broke from long-term care bills. The inheritance is gone from that, or because their estates weren’t handled the right way, the taxman gets it all. It’s not right. It’s a shame, but that’s the way the middle-class has been getting screwed for a long time.”

Is there anyone who doesn’t like a free sample? One chapter, which is available to read for free, details how two women, close friends from high school, with similar lives made different choices. Drastically, tragically, different results. Carrier lays out the scenario, writing:

“Both couples were doing fine. Their homes were paid off and worth about $175,000. With $200,000 in savings and $75,000 of life insurance, they felt secure. Not to mention having prepaid their funerals. Each couple had three kids and three grandchildren. They even like the in-laws!

“You have friends like these women. Middle-class people who enrich the world. Generous spirits. Authentic kindness. Get it done attitude. Nice homes, colorful gardens. Debt free. Comfortable cash cushion (not that the kids would know). Coupon clipping and natural thrift. No extravagant or expensive habits. Except spoiling their grandchildren. But what is going on with Fred and Barney? Why does Fred put the car keys in the refrigerator? Barney gets so confused with the simplest things. And it is getting worse.”

One woman, Wilma, accepts reality and assistance. The program of all-inclusive care for the elderly, which she has paid for through her taxes, eases the strain. In contrast, her closest friend, Betty, rejects the very idea of help as nonsensical promises. But when then their men are stricken with Alzheimer’s, reality comes knocking on the door. Wilma’s husband, Fred, receives care from outside aides and the family keeps what is theirs. Betty, meanwhile, bears the burden of care for Barney, wearing herself out. Building a rickety financial house of cards that eventually collapses. Dooming herself and her unfortunate husband.

“Betty ran the race. Betty fought the good fight. At the ultimate cost to herself, she did what she believed was necessary. Rapidly pouring out the savings and accomplishments of a lifetime. All gone in the blink of an eye. Is there anything more tragic than needless suffering? When a good person refuses the helping hand, it is more than sadness. When refusal leads to catastrophe, it is more than regret.

“Wilma too ran the race, fought the good fight. Wilma had been there for Fred to the ultimate end. Hospice at the house. Familiar PACE folks who supplied the hospital bed, Hoyer lift and other necessary equipment and services. Given fair warning, the kids made it in from out of town. It was sad, heartbreaking. But not tragic. Surrounded by family and friends. Secure. At peace. What did the lord have in store for her now? Wilma did not know. But she looked forward to finding out.

“Most people, reading this article, will choose Betty’s path. Most people, faced with long-term care costs, close their eyes. Reject reality. Hope for the best. As lifesavings evaporate like a snowflake on a hot griddle.”

After 40 years practicing law, is it ridiculous to think that Carrier might have discovered the path that preserves what you own and protects what you value? That is the difference between Wilma and Betty. Forty years of experience have gone into the LifePlan™ system. Constant development that incorporates many strategies and delivers on three key goals: Keeping savings intact, paying for the continuing care, and getting beneficiaries what they deserve. Impossible? Maybe. Maybe not.

Carrier’s single-minded focus has resulted in:
• 50,000+ families attending Carrier LifePlan™ workshops.
• 15,000+ families trusting their security and their future to the LifePlan™ approach.
• $800,000,000+ dollars protected from lawsuits and long-term care.
• 2,000+ loved ones receiving the skilled nursing benefits they earned without going broke or accepting mediocre levels of care.

Carrier says that following the herd seems like the safe bet, but that when the herd has been stampeding off the cliff, for decades… well, maybe it would not be such a bad idea to consider an alternative path.

If most folks are losing, does that make losing a good idea? “I’ve got the plan for your family, and it’s been battle-tested to defend your ability to live as you want, not as you’re told. Haven’t you earned that right? I think so!”

FREE WORKSHOPS: Learn more about David Carrier’s LifePlan™ strategy!

The LifePlan™ secures families’ futures and gives middle-class Michigan the winning game plan. Carrier offers free sixty-minute workshops that start to answer the most frequently asked questions, including:
• Should I believe that it is impossible to protect my health, home lifesavings, family and legacy?
• Why is an outdated will worse than no plan at all?
• Do I want strangers making financial and medical decisions for me? Do I want to shut out my family and friends?
• How can I control the care I get (and do not get) in a medical emergency?
• Should I sacrifice my kids’ inheritance to accident, illness, divorce, bankruptcy, or their own poor choices?
• Are you against (legitimately) avoiding heavy taxes under the new IRA “reform” and “stimulus rescue” boondoggles?

Planning is critical for peace of mind not only for yourself, but also your family, Carrier said. Once you are in control and secure. A clearly structured LifePlan™ saves families and relationships from exploding during emotional times.

Carrier says too many people spend their lives focused on dying. Is it a good idea to be preoccupied with what happens to your wealth when you’re dead and gone? David stresses that you should live for you and your spouse first. Is your vision, your fondest wish, to enjoy exciting life experiences, volunteer work, helping with the grandkids’ tuition, or just relaxing at your cozy country cottage or cabin? Have you given up on the idea that you can achieve your personal goals working with your family’s personal attorney and the LifePlan™ Team?

“You can get in complete control of your future instead of having no control at all,” he said.

Get Information Now. (800) 317-2812
How badly would it hurt you to buy the book?

https://booklaunch.davidcarrierlaw.com/

The Secret Hiding In Plain Sight

Your Estate Plan Is Doomed | Why Your Trust Will Fail | What Everybody Knows And No One Will Tell You

Why People Do Estate Planning

Nobody likes estate planning. Estate planning is like castor oil when you were a kid. You had to take it. It was supposed to be good for you. Not sure how or why. But it was unpleasant.

Like insurance, but worse. With insurance, you must have coverage. Just in case. Same with estate planning. You do not want to, you are not sure why you have to, but you must.

If you are like most folks, you do the estate planning because:

1. You have stuff now. House, money, investments.
2. You know you will die. At some point.
3. You think you will have some leftover stuff when you die.
4. You like some people. Spouse. Kids. Friends. Charities.
5. You do not want the government to get your stuff.
6. You want the people you like to get your stuff. Because why not?

Has anyone told you that you are likely to die without stuff? Without leftovers. Has anyone told you that long-term care will drain you dry? If there are no leftovers, why bother? Now you know. Consider yourself told.

Death Is Not The Problem

Some folks believe we will all pass over the Great Divide to the Other Side. Glorious! Other folks hold that sooner or later the organic metabolism that makes up your consciousness will cease and that will be that. Food for worms and nothing more. There are many variations on this basic theme.

Death is not your main problem. Those who survive you will figure out what to do with your remains. And whatever is left of your stuff. This can be done well or poorly. Mostly poorly.

Great families make great plans. Truth to tell, it is not that hard to do it right. But you are not going to see it anyway. Not really your primary problem.

Life Is The Problem

In the Army, I often heard (and often repeated) that, “There are no problems, just opportunities to excel!” Your life is your opportunity. And middle-class folks like you tend to make the most of the gift. That is great. You are independent. You did the work. You get to make choices. Until you cannot.

If you are like most people, you think that tomorrow will be like today. Pretty much. You handled things today. You will handle things tomorrow. And the next day. And the next. But that is not accurate. For most of us, at some point, we will not be able to carry on as we have. That is the castor-oil reality. And most estate planning has nothing, zero, zip, zilch to help you deal with this new, inevitable situation.

LifePlanning™ Is The Solution

LifePlanning™ is focused on you here and now. How do you maintain your independence? How can you stay in control and in charge for as long as humanly possible? Your freedom is what planning should be all about.

The Secret Truth: LifePlanning™ Is Like Hearing Aids

Why do folks buy hearing aids? Did you know that the #1 reason has nothing to do with chirping birds or adjusting the TV volume? The real reason is something no one will admit. It is kind of embarrassing. That is how you know it is true. Folks buy hearing aids because if you cannot hear, your kids will believe that you cannot think. And that is the first step to the kids “helping” you to give up your freedom. The first step to “we can’t trust mom and dad with the kids.”

The real reason for LifePlanning™ is to keep your edge. You do not need lectures. You do not need to hear how nice it is to live at Shady Acres. You do not need another Shady Acres brochure. You want to keep your home. And live there. And you might need some help with that. LifePlanning™ is how to get the help to keep your independence.

Your Trust Will Fail

You went the extra mile. Spent the extra dollars. Got the big binder. Got a trust. Everything is all good now, right? Not so fast.

Everybody knows that trusts fail. Almost all the time. Your financial advisor, insurance agent, banker, accountant. They all know that you will not re-title your assets to the trust. Sure, you will get some stuff in there. Maybe. Most folks have very little in the trust. One survey says 96% of trusts do not avoid probate.

The Institute for Continuing Legal Education gives out certificates to attorneys who want to practice estate planning. Including trust planning. Lawyers who want to be certified must take a whole raft of courses to get that piece of paper. When asked recently about the problem of trusts that do not avoid probate, the instructor was clear. “That is what the pour over will is for. No problem.”

Think about this. The instructor is a highly qualified and experienced estate planning attorney. Partner in a huge, prestigious multi-state law firm. This person is teaching would-be estate planning attorneys that going through probate is no big deal. Did you think that the whole point of the trust was to avoid probate? Whoops. Besides, probate is not that bad… they say…

Your LifePlan™ Will Not Fail

LifePlanning™ means your funding coach works with you to get the job done. To help make sure that your assets are safely in the appropriate trust. It is not easy. It takes time. Two months on average. But there are no shortcuts. No easy way out. And everyone knows it.

LifePlanning™ Is The Solution

LifePlanning™ is the way you keep your stuff. And at the same time, qualify for the government benefits you have earned. Focused on you here and now. By acting early, rather than waiting until the last minute, you will qualify for benefits that may mean you never need residential long-term care. Let’s face it, who can afford the $9000-$12,000 to $15,000 per month costs of skilled nursing? Even a little at home care is ruinously expensive at $30 – $50 per hour.

LifePlanning™ gets you what you have earned. Assistance to stay at home. Health care that keeps you healthy, active, engaged with your grandkids. Free to be your best self.

LifePlanning™ Prevents Tragedy

Nothing is more tragic than one spouse dying while caring for the other. The other spouse now faces institutional care. Which their spouse sacrificed everything to avoid. And that is what happens 40-50% of the time. LifePlanning™ supports the caregiver as well as the disabled spouse. Getting necessary benefits. Staying home. Maximizing potential. Living life to the full.

I Don’t Want Government Help!

Middle-class folks are independent do-it-yourself types. Government hand-out? Perish the thought! Understandable. But.

Government demands taxes. You pay taxes. You never thought you would see any of that money again, right? No return on that investment. This is a return on that investment. Unusual times.

That is the LifePlan™ approach to estate planning and elder law. You paid in, why shouldn’t you be paid back? If you need it. When you need it? Learn more. You can do this.

Secure Your Independence Today… Get Started

COVID flaring up again. Isolation for holidays. Merry Christmas? What are we waiting for? Isn’t today is the best time to plan? Begin by calling the LifePlan™ Hotline: 800-317-2812.

Get Information You Need: Your Life, You Choose!

COVID has not gone away. New challenges arise daily. The risks to your freedom to choose, to your ability to keep what you have earned and built have not gone away. And neither have we. It is your stuff… protect it. And yourself. With complete control. LifePlanning™ means your choices matter, whatever life brings.

How can LifePlanning™ protect your middle-class life savings? How to get this information?

Are you like thousands of Michigan families who played by the rules and earned homes, cottages, farms, lifesavings? Would you like the rules to work for you, for a change? Why wait until it is too late?

GET ANSWERS NOW… CALL THE LIFEPLAN™ HOTLINE
(800) 317-2812

LifePlan™ Workshops are Available Now!

Live, Streaming and Recorded “What could it hurt?”

How I Failed My Father… And How I am Fixing It

PLAIN AS THE NOSE ON YOUR FACE

NONE SO BLIND AS THEY WHO WILL NOT SEE

YOU PROBABLY KNOW MY DAD

Everyone knows somebody like my father. I bet you are a lot like him in many ways. My Dad is the sort who always goes the extra mile. Always giving everything he had. Looking out for others. Going out of his way. Generous. Hard-working.

Dad enlisted in the Navy during WWII, as soon as he could. Following his older brother, an officer and PT boat commander. Dad served stateside, as a Photographer’s Mate, at the Philadelphia Naval Air Station. Mostly taking pictures of crashed airplanes. And the remains of the trainees who crashed them.

After the war, he went to college on the GI Bill. Surrounded by other sailors, soldiers, airmen and Marines. A generation of men and women who did not feel sorry for themselves. They had seen evil and death. The world was balanced on the edge of a knife. And they did their duty. They saved the world. Look it up.

Then they came back and went to college. And got married. And raised families. And were grateful for the ordinariness of life. Thirty years ago, when I first started my law practice, I was privileged to meet many of these men and women. So many heroes. The real kind.

They are almost all gone now. But they made a lasting impression. Among them, my dad is not unusual. But how many of us have the same quality?

When Dad met Mom, he settled down. Became a teacher, like so many of his Navy buddies. Teachers in the 1950’s were not paid very much. All worked through the summers. Most had a second job. Mom wanted a large family. Dad came from a large family. He knew what was required. So.

My father got up early… had to be at school by 8 a.m. A tough school in a bad neighborhood. When the bell rang at 3 in the afternoon, Dad came home and took a nap. By 6 in the evening, he was punching the clock at the local brewery. Bottled beer all night. Dad clocked out at 2 in the morning. Came home. Took a nap. At 7 a.m., he started all over again. For 16 years.

Did I mention he was also taking college courses for his master’s degree? Yeah, he did that too. Eventually he took on enough extra jobs at school to quit the brewery. He ran the breakfast program, lunch program, after-school program. He was pretty happy that he did not have to work until 2 a.m. anymore.

Like you, he was active at church. Joined the Lions Club. Volunteered for stuff. Helped out in ways no one ever saw… no one ever knew.

Dad and Mom raised 8 children. Five boys, three girls. I’m the second. I have an older sister. Their example was powerful. And we are all doing quite well. Thank you.

Mom died ten years ago. Dad still lives on his own. Pretty much. At 96 years old, he cannot do what he used to. But he keeps trying. A few weeks ago, he was painting the handrail on the brick stairs leading the front door. Lost his balance. Fell to the brick stairs. Fell on his face. Not the first time. Still OK. He insists.

So, the kids take turns staying with Dad. Just to be there. Just in case. My two weeks is coming up soon. We talk together to set the calendar, to make sure someone is always with Dad. And we talk about options. Including assisted living.

This is where my failure became obvious.

WHAT TO DO ABOUT DAD (OR MOM): THE KIDS’ CONVERSATION

Your children are talking about you. Deny it if you wish, but it is the truth. What to do about Mom? What to do about Dad? How long can they stay at home? What sort of behaviors do you see? What does it mean? What do we do now? Well-meaning questions. By good-natured people. Who truly love you. But are concerned. With your best interests in mind. What they think are your “best interests” anyway.

Recently, as we were setting the Visiting Kids Calendar, one of my brothers asked, “Why isn’t Dad on this PACE program you keep talking about?”

I had no answer. Honestly. You have heard the old saying, “The shoemaker’s kids go barefoot!” It is not that bad. When Mom needed skilled nursing home care for the months before she died, we were ready. LifePlan™ to the rescue.

Dad was not impoverished. There was no Medicaid Mortgage. Mom got the care she needed, at a top long-term care facility. Dad’s years of taxpaying and planning were rewarded.

Ten years later. Dad’s needs are increasing. With 8 kids, he will never be alone. But we are not medical people. What about those needs?

My brother saw what I did not. PACE – the Program of All-inclusive Care for the Elderly was designed for my Dad. He stays at home. With his woodwork shop. Puttering around, fixing this, painting that. Independent. Proud. And getting just the right amount of help to keep him that way.

Was I embarrassed to have overlooked the contribution PACE could make to my own father’s ability to live life on his own terms? You bet. I wish I had proposed the solution. But a good idea is a good idea, whomever comes up with it.

SEE THE LIGHT, OVERCOME BLINDNESS

Most folks who seek answers are relieved and pleased they learn that effective solutions do exist. Thousands of families have honored my team and me with their confidence and trust. And those families have received the benefits they have earned and deserve.

But I have often been puzzled when some families reject the same answers that other families have embraced. It is not unusual for some folks to come back to us, often after months and sometimes years of “spending down,” exhausting their lifesavings. Selling the farm.

If you are like me, you learn from your mistakes. And you try not to repeat the same- old, same-old. I failed my Dad by not seeing how the PACE program could greatly improve his quality of life. But I see it now, and I am taking action. To preserve his independence. His choices. My Dad, and yours, and you, deserve to enjoy life. On your own terms. Not crammed, shoved, or stuffed into someone else’s idea of what you need.

Most people have never heard of PACE. But now you will know. You will be the expert.

COVID NURSING HOME DEATH TRAP

Everyone knows COVID-19 decimates older folks. National reporting confirms the worst place for COVID victims is a long-term care facility. The undeniable tragic history: if you were in a nursing home, your risk of death from COVID-19 was 70 times greater. Did autocratic Executive Orders in New York, New Jersey and Michigan cause thousands of extra deaths? Of course they did. We know that now. But what can we do?

Over the last couple of years, we reported good news about at-home care. Michigan changed the Program of All-inclusive Care for the Elderly – PACE. Eligibility expanded for thousands of new families. Families can now keep their life savings, cottage, farm, rental properties, business. Poverty is no longer required… provided you follow the complex rules. Care services are free. Keep your income. No co-pay, doughnut hole or other contribution.

Many Michigan families have acted on this new information. They have secured at-home care for their loved ones. PACE has kept them safe from the deadly COVID-19 virus stalking long-term care facilities. Healthier at home!

HEALTHY SKEPTICISM OR DEADLY DOUBT?

Many more families cannot believe it is possible. But they could benefit from PACE. Healthy skepticism hardens into stubborn rejection. Everyone suffers. Clinging to the idea that it is “too good to be true” or “fake news”?

Pitiful. Naturally, some folks are uncertain and suspicious. Rightfully so! But accurate information and proof beat unfounded fears every day. Fact: You do not have to accept nursing home poverty for yourself or your loved one.

DO YOU OR YOUR LOVED ONE QUALIFY?

ANSWER YES TO 3 QUESTIONS:

1. Need help with activities of daily life? Memory problems? Oxygen therapy? Blindness? Dialysis? These are just a few of the many ways to qualify.
2. Are you safe at home?
3. Gross social security less than $2382? (Special rules for pension income.)

Let’s do the homework together. Most folks get the benefits they need for independence and security. Information costs nothing. You can find out. Today.

Get Answers Now: 800-317-2812

COVID-19 RULE CHANGES WILL NOT LAST

COVID-19 emergency rules are temporary.

The benefits are permanent. When the emergency is over, these favorable rules will be gone. Of course, this may not be for you. Why not find out? Is it so bad to get back a little from the tax dollars you have paid?

WHAT BENEFITS DOES PACE PROVIDE?

Folks always want to know: What can PACE do for me? You have a team on your side. Your PACE team is doctors, therapists, dieticians, nurses, physician assistants, administrators. All work together to provide the best solution. Want more detail? You can receive:

ADULT DAY HEALTH CENTER
• On-Site Physician/Medical Supervision
• Nursing Care
• Physical Therapy
• Occupational Therapy
• Recreational Therapy
• Activities and Exercise
• Breakfast, Lunch, Snack
• Nutritional Counseling
• Social Services
• Dental Care
• Audiology
• Optometry
• Podiatry MEDICAL SPECIALISTS
• Women’s Services
• Dentistry and Dentures
• Optometry and Eyeglasses
• Audiology and Hearing Aids
• Podiatry, Diabetic Shoes and Orthotics
• Cardiology
• Rheumatology OUTPATIENT SERVICES
• Lab Tests
• Radiology
• X-Rays
• Outpatient Surgery

PRIMARY CARE PHYSICIAN
• On call 24 hours a day, seven days a week.

HOME HEALTH AND HOME CARE SERVICES
• Skilled Nursing and Assisted Living
• Physical and Occupational Therapy
• Personal Care
• Chore Services
• Meal Preparation

INPATIENT SERVICES
• Emergency Room Visits
• Hospitalizations
• Inpatient Specialist
• Skilled Inpatient Rehabilitation

TRANSPORTATION SERVICES PRESCRIPTIONS And OVER-THE-COUNTER MEDICATIONS

FAMILY/CAREGIVER SUPPORT SERVICES
• Respite Care and Caregiver Education

REHAB And DURABLE MEDICAL EQUIPMENT
• Wheelchairs
• Walkers
• Oxygen
• Hospital Beds
• Diabetic Testing Supplies
• Adult Day Care

Get the straight story. Your loved one is counting on you. Don’t let them down. It’s simple and free.

Call 800-317-2812.
Your Discovery meeting and Analysis meeting are waiting for you. Get it done.

Life Is The Test… Why Not Win It?

Americans Love A Winner And Will Not Tolerate A Loser.

— George S. Patton

What is so different about you? What enables middle class folks to rise and win, time after time? Facing and beating challenges? At 7 years old, I began helping another kid on his paper route. Lucky for me, there was a block of triple decker houses and Paulie did not like climbing stairs. A few years later, my next younger brother and I had our own route. Hot in the summer. Cold in the winter. Raining or snowing from time to time. On foot.

We did not always whistle while we worked. But the Carrier boys delivered the Evening Bulletin 6 nights a week. And early Sunday mornings, before church, the Journal-Bulletin. You have done the same.

Throughout your life, you took the overtime. The second job. Doing what it took. My weekends at Notre Dame were spent delivering pizza. As a law student, I worked full time on the graveyard shift as a security guard. Just like you. What else could we have done? We had a job. We saw the need. We got it done. We learned it from our folks. After beating the bad guys in WWII, our parents went to work. Dad taught school all day, came home, changed clothes, and put in 8 more hours at the Narragansett brewery. For 16 years. Mom was an RN. After raising 8 kids, she pinned her nurse’s cap back on and resumed nursing.

Details vary, but your family lived the same values. How do I know? Thirty years of talking to and planning for your folks. And you.

These are the times that try men’s souls. The summer soldier and the sunshine patriot will, in this crisis, shrink from the service of their country…yet we have this consolation with us, that the harder the conflict, the more glorious the triumph.

— Thomas S. Paine

And now COVID. The Elder Plague. Death rates: way down. Therapies: better and improving. So much winning. But we are not done yet. COVID is real. COVID can strike close to home.

By a series of commonplace coincidences, a team member tested positive for COVID. Several of us are now waiting on our own test results. We should be fine. Since the beginning, the Carrier Law team has taken every recommended precaution. And come up with a few of our own. Hand sanitizer, videoconferencing, outdoor workshops, social distancing, masks, working from home, plexiglass barriers, ultraviolet lights, temperature checks, screening protocols, Clorox-ing conference rooms, prudent behavior. Not perfect.

Last Friday, I spent a few hours (in the rain) climbing through trees on one of those courses. Team building with several paralegals. Outdoors, yes. Distanced, yes. Wearing masks, yes. Until that triumphant team photo at the finish. Mask off. Picture! Mask on. Well. So now we wait for the test results.

One more thing to be taken in stride. Aren’t we all waiting on “test results”? What will your “Alzheimer’s test” reveal? Of course, there is no such “test.” We find out only as time goes by. With COVID, we face reality, we do not wish it away. Most of us will eventually face dementia. Personally. Not just our spouse or a loved one. Lots of statistics. One bottom-line fact.

The trouble in American life today, in business as well as in sports, is that too many
people are afraid of competition. The result is that in some circles people have come to sneer at success if it costs hard work and training and sacrifice.

— Knute Rockne

We, the middle class, do not deny reality. We accept it, make our peace, and do the best we can. With optimism and good cheer. Lots of critics have lots to say about us baby-boomers.

But all agree that when we see what we want, we go get it. Make it happen. Rejecting the counsels of gloom and doom. With open eyes and stout hearts.

When you are facing long-term care, dementia, end of life issues, there are a million questions and few reliable answers.

Many people, including otherwise competent financial planners, well-known attorneys, and respected members of the community, seem to believe that you should go broke when facing these issues. Maybe they are unaware of the options. Perhaps they are in denial. Is there a moral imperative that you should go broke? Some “experts” seem to think there is.

Americans play to win all the time. The very thought of losing is hateful to americans.

— George S. Patton

Like you, I completely reject the idea that losing is okay. Like you, I believe in winning. We all have challenges and sometimes we do lose. But we never “get used to it.” Why should we? Losing is a bitter pill. I may have to take my medicine, but I do not have to like it.

If you want to go broke, as some folks think you should, you do not need me. The state is very good at making a bonfire of your lifesavings. The state helps only when you comply with their rules. And for most folks, compliance means poverty, insecurity, loss. Unacceptable.

[W]ith firmness in the right as god gives us to see the right let us strive on to finish the work we are in…

— Abraham Lincoln

LifePlanning™ is middle class Michigan’s tool kit for winning. Comply with their rules? Yes, absolutely. If you want to win, you must know how to play the game. Thirty years of study, experience, testing and delivering results have produced the LifePlan™ system. Techniques and tools that preserve, protect, and defend your right to decide how you will live.

You earned that right through decades of work and conscientious stewardship. Isn’t it ridiculous to suggest that impoverishing yourself, your spouse, your family is somehow noble? Isn’t it foolish to reject your own life experience for the defeatist counsels of the “wise”?

LifePlanning™ means your choices matter, whatever the test results. Are you like thousands of Michigan families who played by the rules and earned homes, cottages, farms, lifesavings? Would you like the rules to work for you, for a change? Are you waiting for the test results?

Are you waiting until it is too late? Would you like to know now?

GET ANSWERS NOW… CALL THE LIFEPLAN™ HOTLINE
1-800-317-2812

LifePlan™ Workshops are Available Now: Live, Streaming and Recorded
What could it hurt?

This Is Jeopardy!® Let’s Meet Today’s Contestant… It’s You

A Pandemic Of Potpourri
Did Somebody Get Into The “Potent Potables”?

Ten Inspirational Quotes
Profound Or Just Confusing?
You Be The Judge.

1. It’s not the days in your life, but the life in your days that counts. — Brian Williams
2. The best way to predict the future, is to create it. — President Abraham Lincoln
3. Success is how high you bounce when you hit bottom. — General George S. Patton
4. A career is wonderful, but you can’t curl up with it on a cold night. — Marilyn Monroe
5. I’ve missed more than 9,000 shots in my career. I’ve lost almost 300 games. 26 times, I’ve been trusted to take the game winning shot and missed. I’ve failed over and over and over again in my life. And that is why I succeed. — Michael Jordan
6. You only live once. But if you do it right, once is enough. — Mae West
7. To avoid criticism: Say Nothing. Do Nothing. Be Nothing. — Aristotle
8. When the grass looks greener on the other side of the fence, it may be that they take better care of it there. — Cecil Selig
9. Keep away from people who try to belittle your ambitions. Small people always do that, but the really great ones make you feel that you, too, can become great. — Mark Twain
10. We can’t help everyone, but everyone can help someone. — Ronald Reagan

BONUS QUOTE: “What is written in the Law?” Jesus replied. “How do you read it?” He answered, “ ‘Love the Lord your God with all your heart and with all your soul and with all your strength and with all your mind’ and ‘Love your neighbor as yourself.’ ” “You have answered correctly,” Jesus said. “Do this and you will live.” — Luke 10:26-28

MEDICARE MISHEGAS
“OY VEY! DE GOY IST USING A YIDDISH WORD… SOME CHUTZPAH, DA KLUTZ!”
“QUIT WITH DE KVETCHING, BUBBE… MENSCH OR MESHUGGENEH, WHO CAN SAY?
HE’S TRYING AND THAT AIN’T BUPKIS” BASICS

1. Medicare is a Mulligatawny Stew of Health Insurance Options, including Original Medicare, Medicare Advantage, and Part D Prescription Drug Plans.
2. 2.1 million Michiganders, Michiganians, or Great Lakes Staters are enrolled in Medicare.
3. Everything Changes Every Year! Open Enrollment is NOW! GOOD STUFF is available.

MEDICARE ADVANTAGE SUPPLEMENT INSURANCE (PART C AND SOMETIMES PART D)

1. Average Monthly Medicare Advantage Insurance Premiums DROPPED from $35 to $29 per month for 2022.
2. 25 new Medicare Advantage Plans are available in 2022. Total: 191 DIFFERENT Plans.
3. Some Medicare Advantage Plans have ZERO, that is $0 per month premiums.
4. 18 Advantage Plans offer rewards and incentives for healthy behaviors.
5. Advantage Plans, including Advantage Plans with ZERO premiums, are available to ALL (that’s 100%) of Michigan Medicare folks.

MEDICARE STAND ALONE PRESCRIPTION DRUG PLAN (PART D)

1. 23 Stand Alone Prescription Drug Plans (Part D) are available in 2022.
2. Many Advantage Plans include Part D coverage.
3. 99% of Medicare recipients can lower their 2021 premiums.
4. Part D Plans start at $7.50 per month.

OPEN ENROLLMENT… OPEN ENROLLMENT… OPEN ENROLLMENT

You get the chance every year to change your MEDICARE SUPPLEMENT INSURANCE. The time is NOW! From October 15 through December 7. Do NOT miss this opportunity to evaluate your Medicare insurance. Maybe you already have the best plan of all time. Maybe there’s a new one that would fit you better. You do not get to complain if you do not get involved. So get involved in your own health care insurance. You have choices.

The Government evaluates all the various plans and assigns STAR ratings to each. One Star or Five Stars? That is your choice. The ratings are available right now on MEDICARE.GOV.

GET INFORMATION NOW!

“Don’t be a shmendrik… Listen to the spiel… Mazel Tov!”

You can watch a super video class on your 2022 Medicare choices. It is so easy!
1. Prepare a nice hot cup of tea. And a muffin or scone.
2. Go To davidcarrierlaw.com
3. Click on “Free Workshops”
4. Click on “Visiting Expert Series”
5. When You Get to the Visiting Expert Series page, scroll down to “In Case You Missed It.”
6. Click on “Medicare AEP (Annual Election Period)”.
7. Relax! Sip the tea. Nosh the scone. Absorb the information!
8. Decide… Do you want to make changes?

THE REST OF THE STORY…

Your Medicare, along with Medicare Supplement Insurance and Medicare Advantage Plans are essential pieces in assembling the puzzle of your health plan. Hospitalization. Disease. Injury. Bad Stuff that Happens. Medicare is there when you need acute care. Or a new knee.

But Medicare is only part of the story. What about long-term care? What about at-home care or assisted living? What about nursing home care? What about the $185.50 co-pay for Days 21-100 of rehabilitation services? What about NO COVERAGE AT ALL for Days 100+? Medicare is not the answer for these questions.

Medicaid is the rest of the story… Find out at a LifePlan™ Workshop. Or come to the Navigating Medicaid Webinar sponsored by MLive!

PANDEMIC PANDEMONIUM: FREE COVID CASH
TRILLION HERE, TRILLION THERE, PRETTY SOON YOU’RE TALKING REAL MONEY
EMPLOYEE RETENTION TAX CREDIT – THROW MONEY OUT THE WINDOW!

FULL DISCLOSURE: For the last 31 years, from the very start, the Firm paid taxes. And paid. And paid. Freedom is not free. Blessings of Liberty have a price. But now we have the World Turned Upside Down. Government wants to give the Firm money. To keep folks employed. To keep the lights on. And the Firm has said yes. Including this galloping geyser of cash called the Employee Retention Tax Credit. The Firm is happy to duke it out with other law firms on any fair ground. But when the government starts spewing cash, the game is rigged. And it’s either play by their rules or lose. The Firm does not like to lose. So, the Firm took the PPP. And the ERTC. And we don’t like it. But your highly trained, motivated, and grateful team is still here to serve you and your family.

The 2020 CARES Act gave us this payroll tax credit. The Employee Retention Tax Credit. It has been extended through December 2021. The ERTC is worth up to $10,000 per employee for 2020. For 2021, it’s up to $28,000 per employee (70% of each employee’s earnings, per quarter, up to $7000). This is not chump change.

You get the money if:
a. Your business was partially (or fully) shut down by COVID, or
b. Your revenue was down by 20% in any 2021 quarter this year (50% in any 2020 quarter) as against the same quarter in 2019.
c. By the way, what if your income was down in the first quarter, but not the second? Under the alternate quarter rule, you can use the first quarter to qualify for the ERTC in the second quarter.
1. Here’s where it gets crazy. You can still claim the credit in the first quarter! Your business only qualifies for one quarter, but you can claim for 2 quarters? Yes. Nuts, right?
d. ERTC is supposed to offset employer payroll taxes. And it does. But what if you do not have enough employer payroll taxes to use up the credit? The IRS sends you a check. Not kidding.
e. Jed Clampett was surprised to find oil in his backyard. You may be just as shocked to discover this little fountain of fun. Too bad, you missed out in 2020, right? Nope, just go back, amend your returns, and get a nice fat government check.

EXIT QUESTION: Would You Give $3.5 Trillion Dollars to the Goof-balls Who Dreamed This Up? Do You Think They Would Spend the Money Wisely? Would You Want Them Running a Hotdog Stand? Collecting Your Garbage? (Apologies to waste haulers everywhere!)

SURE IS GREAT TO FIND OUT HOW THINGS REALLY WORK…
UNCOVER THE ELEPHANT!

Elephants to the left of us, elephants to the right… Sneaky devils! Cleverly camouflaged by the global investment industry, the legal profession, government, and others.

Can you handle the truth? I knew you could! Come find out what is really going on…

Most people know that long-term care is the stinkiest elephant in the herd. But you can get the straight story. Accurate information. Clear thinking. What you truly need to know.

Of course, you are busy. So much going on. We make it easy. Get the information, insight, inspiration you need. To live your life. Make smart decisions. Cut through the fog. It is your turn. For you. For your loved ones.

NO POVERTY. NO CHARITY. NO WASTE.
It is not chance. It is choice. Your choice.
Get Information Now.
800-317-2812

They Do Not Hate You; They Despise You

“Contemptible Idiots Who Are Kind Of Evil”

Clowns Are Leading The Parade While You Do The Work

Ever wonder what elite experts think about you? Probably not. You have a life to live. Bills to pay. Kids to raise. Grandchildren to spoil. You are busy. Lots of stuff going on. And yet. You cannot help noticing that things are not what they should be. Or used to be.

“Some Ideas Are So Stupid That Only Intellectuals Believe Them.”
—George Orwell

You expect politicians to be hypocrites. Tell you to do one thing, while they do the opposite. Wear masks! Except at my fundraiser/birthday party/hairdresser. No riots… stay between the velvet ropes! Unless you are firebombing federal courthouses, shooting commercial fireworks at police officers, or assaulting people in cars. By the way, shoplifting is A-OK! And rent is optional.

Everybody knows university professors are out of touch. Their job is to think Great Thoughts. Re-segregate campuses on racial lines. Tear down, cover up, or suppress politically incorrect art, speech, thought. In Madison, Wisconsin, they are removing a landmark boulder from campus, at great expense, because someone, about a hundred years ago, may have used a racial epithet in referring to that boulder. Harvard’s new chaplain is a loud and proud atheist (Let that sink in.). Insist that fairness requires women athletes to compete with “twig and berries” athletes who “identify” otherwise. Even at the Olympics.

Still, you expected more of military leaders, but… Abandon the guys who helped us fight for the last 20 years. Overnight. Slander our foreign allies who lost 70,000 dead. Abandon hundreds of billions of dollars in advanced weaponry, aircraft, ammunition, electronics, and military installations to folks who want to kill us. A/k/a bad guys. The same bad guys who also, by the way, want to subjugate the population. Again. And export terror. Again. Meanwhile, the British and the French (the French!!) rescue their civilians, while the 82nd Airborne is ordered to stand down and leave American citizens to their fate. Stupefying. (Unless you know any British or French soldiers.)

“If You Would Only Recognize That Life Is Hard, Things Would Be So Much Easier For You.”
—Louis D. Brandeis

You and I know that the world is a harsh place. Making the right decisions is a challenge. Follow through is tough. We make mistakes. Do things wrong. Take our lumps. Accept responsibility. Apologize. Fix it. And move on. Do better next time. Results. No excuses. Yes, it is difficult. But you do it anyway because that is what it takes. For you. But not for them.

Some folks rise high in academia, corporate culture, and government. Smart people who punched their tickets at Harvard, Yale, and other prestigious institutions. They did work hard to punch those tickets. Scrambling to the top of the heap is not easy, simple, or fair. And now they never make mistakes. They fell into the trap. They believe what is said about them. Surrounded by an impenetrable cocoon of adoring supporters, reality does not bite, it does not even bark.

Military fiasco? Fire the lieutenants, captains, majors. Give medals to the colonels and generals. Political disaster? No worries! If you are of the correct persuasion, it never happened. If they cannot cover it up, biased media will bend over backwards to make excuses. Educational calamity? Cannot read, write, do math, think? Eliminate honor roll. Close “elite” high schools. Erase standards.

Ever wonder how the people doing these things can live with themselves? Puzzling, isn’t it? You do not need me to tell you things are bad. Look out the window. Yes, your news sources are controlled. Directly and indirectly. Mostly by herd instinct. Wrong opinion? Get cancelled. No Tweets for You! No Facebook either. Too bad that some things are too big to cover up entirely. Afghanistan. COVID. January 6. Ongoing riots.

If you failed at your job as enormously as these folks, the “elite experts” fail, you would be on your knees praying for forgiveness. Which is why you never will fail so completely. You have the gift of humility. Humanity.

We all count on one another to grow the food, pump the oil, mine the coal, keep the electricity on, stock the shelves, build the houses, fix the cars, fill the teeth, engineer the bridges, pave the roads, replace the knees, administer the medicine, rehabilitate the sick, research the cures… We work hard, but who’s complaining? The people who are better than you. They are complaining. You annoy them. They must put up with you. They do not like it.

Arrogance and blindness. Human frailties. They go together and we all suffer from them. But when arrogance and blindness overwhelm common sense, practicality, and basic decency… well, sometimes you get a book! Like this one:

How To Talk To A Science Denier
Conversations With Flat Earthers, Climate Deniers And Others Who Deny Reason
Lee Mcintyre, Mit Press

Professor McIntyre has a distinguished resume. Harvard. Boston University. Wesleyan University. University of Michigan (Ann Arbor) (of course!), Tufts. A genuine, certificated, credentialed smart person. Deep thinker. Author. Honored intellectual. Candid, too.

Unlike some other experts, he wants to talk to you. Show you the errors of your ways. In his book, he “shows that anyone can fight back against science deniers”. Courageous! The professor “use[s] his persuasive powers as a philosopher to convert” you. And he wants to teach like-minded others how to do the same. In his promotional material there is a good bit of blather about dealing with folks like us “calmly and respectfully.” A U of M professor who reviewed the work agrees. She thinks he is a champion of “listening respectfully, discussing science patiently, and fostering interpersonal trust.” Too bad she did not read the book.

Fortunately, our hero is not content with winking to his audience. He drops the mask in the book. You do not have to wonder what he thinks of you, he tells you:

“When speaking to a contemptible idiot who is kind of evil, don’t call them a contemptible idiot who is kind of evil! Many contemptible idiots find that language insulting.”

Wow. Way to “foster interpersonal trust”! Just lie to the rubes. They will never notice. Just be polite. Unless you just cannot stand being polite to contemptible idiots who are kind of evil.

“When speaking to them, we should remember that it is an insult to use the word ‘anti-vaxxer.’”

One reviewer then counted “109 uses of the term “anti-vaxx” in the book.” Interspersed with calls to civility are his true feelings. Your skepticism? Nothing more than “ridiculous conspiracy theories and partisan nonsense”. Thank you, professor!

Professor M did do some real field work. Went to an airport hotel. Spoke with Flat Earth Society members. At their convention. Well.

Out of 330 million Americans, he found the few needles in the haystack who think the world is flat. Or at least claim to think it’s flat. Hey, it’s a club. Perhaps a little common sense is in order. Don’t people join clubs for lots of reasons? I have heard of another club claiming direct descent from the stoneworkers who built the pyramids. George Washington was a member. Quick, get the fact-checkers!

But mostly, the good professor deceives himself, and his chosen audience, by describing absurdly extreme caricatures. He then beats up on those false images. COVID deniers. Anti-vaxxers. Global warming deniers. So much denial! Plus a GMO skeptic. Not sure how he fits in.

It is the sort of thing I remember from freshman year dormitory BS sessions at Notre Dame. Supreme confidence. Argumentative skill. Closed mind. Strawman Fallacy in Technicolor. Or Kodachrome.

You say, so what? Grifters gotta grift. Academic authors must flatter their audience. One more book catering to “intellectuals’” invulnerable, insufferable notions of themselves as the good and wise. What else is new?

But Professor M has done us a huge service. Without his candid revelations, you might wonder “Just how do they think about us?” The mystery is over. Case closed. The “Let’s talk” psychobabble is an amateurish smokescreen.

This is how the clowns got to lead the parade. We believed what they were saying. But they did not believe it themselves. We were conned. It was always a confidence game. They do not hate you. They do not respect you enough for that. They despise you, you contemptible idiot who is kind of evil.

Look around and see the consequences.

Never Complain And
Never Explain
—Benjamin Disraeli

The hour is late. There is no time to complain. Professor M would just write another book. But we are not helpless, and we are not hopeless. Have we faced worse than this? I do not know. What I do know is that it is up to us to make it right, one family, your family, at a time.

What does it have to do with Elder Law? Quite a bit.

The federal government says long-term care awaits 70% of Americans aged 65 or older. Three-year average length of care. And for 1-in-5, that three-year average goes to more than five years. Who pays for this care? You do. You did. Every paycheck. Every health insurance premium payment.

We, the middle class, bear the greatest burden of long-term care. Can you pay $12,000 per month without strain? Congratulations! I’d call you rich. Is paying $12,000 per month a joke because you don’t have two nickels? Don’t worry… we will pay for you.

Does a $12,000 per month bill make you sick to your stomach because it means losing the security of lifesavings? Don’t you wish you had a cottage or cabin to sell. Wouldn’t it be nice if there were an extra car or truck to trade for a month of long-term care? But all you have are the CDs and life insurance you managed to scrape out of the grocery, heating, and car bills. And when it is all gone? Now you are broke. Your choices do not matter. You get what they feel like giving you.

Isn’t it obvious? Middle class families are targeted by long-term care costs. Savings evaporate. Grandparents helping grandchildren… Prohibited, Penalized.

Professor M has done you an enormous favor. Learn his lesson. You thought you were saving for your own retirement and then to offer a stepstool for the next generation. They have other ideas.

LifePlanning™ keeps the American Dream alive. LifePlanning™ rejects Nursing Home Poverty. LifePlanning™ preserves your hard-earned dollars to serve your spouse, you, and the next generations. You earned it. You paid in. You did the right things.

And now they want you broke. Dispirited. Discredited. Dependent. Why do they want you a beggar? Because beggars are easier to please.

Must you go broke? Can you preserve what you have earned, protect what you value? Yes, you can. LifePlanning™ preserves your savings. LifePlanning™ does not create wealth, you did that. I know it wasn’t easy. LifePlanning™ makes the rules work for people who play by the rules. That is you.

Maybe thousands of LifePlanning™ Michigan families are wrong. Perhaps the thousands who have received long-term care benefits while preserving their life’s work are mistaken. It is possible that just want to surrender. Give up. Wave the white flag. That is OK. Personal Choice.

Or maybe the hundreds of millions in homes, farms, and other assets protected by LifePlanning™ Michigan families will preserve and strengthen our middle-class values. For you. For the next generation.

Think about it? Not enough. Those who wish to tear down America are acting. So should you. Find out how. Ask questions. Get answers. LifePlan™ Workshops are available on-line and in person. Don’t look back with regret. Face the future with hope and confidence.

Here’s how you start:

1. Call 1-800-317-2812.
2. Get the next LifePlan™ Workshop.

Easy. See you there!

Client Success Stories…

We were very happy with the information at the workshop on Estate Planning [LifePlan workshop]. Amanda was very helpful in explaining the options we could choose from to protect our assets from excessive taxes.

All questions were answered in depth and in a manner that was very understandable. I left feeling confident that we can contact them at any time for help navigating the system.

The staff are incredibly professional. My mother was treated with utmost respect. Her paperwork was organized and concise. I dealt with David and Jim and they spoke in terms my mother and I could understand.

I was totally lost when my husband’s dementia got bad. David and his group helped me feel in control again. They are there to help me whenever I need them. I should have done this sooner.

Perfect balance of pleasant and professional. Starting with workshops with targeted info, to chit chat with David (and all the staff we met) – great experience. Thank you!

My husband and I just returned from your workshop in Portage…We are so pleased we attended and came away with so much information and insight. The workshop was well organized, well presented and your staff was wonderful. Patrick made things fun, and as he promised, the time flew by. Thanks you again for 2 very well spent hours.

Donna & Stephanie are extremely professional, on top of everything, friendly and just a joy to work with. Very prompt on phone calls, emails, etc. I am very thankful for these two people!

We have been extremely pleased with the professional service of David and the staff. It has been a pleasure working with everyone to make sure our future is secure. David was also very helpful finding an out of state attorney to help our parent’s address their Elder law needs.

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“The Law Offices of David L. Carrier is an estate planning and elder law firm located in Western Michigan. Our main office is in Grand Rapids, and we have 3 other conveniently located offices in West Michigan. We specialize in medicaid crisis planning, estate planning, elder law, probate, wills and trusts.

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