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The Importance of Thinking Differently and Planning

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I wanted to talk to you today about the importance of thinking differently and planning.

I take my job very seriously, as I’m sure you take your family, hard earned money, property, and legacy seriously.

One of the things that I had to do to transition from a general practitioner to an elder law attorney was a lot of study, a lot of planning, a lot of thinking differently. We really have done that over the last couple of years; I’ve really done that over the last couple of years.

We were honored last night by the Cleveland County Chamber of Commerce with an Emerging 10 Award, which I’m extremely thrilled with. There were 9 other great businesses honored along with us, and we all got this glass award which I’ve been carrying around since last night.


That helps me look at and realize all the hard work that I’ve put in, that we’ve put in over the last couple of years. We wouldn’t be able to offer the services and legal strategies tailored to the senior population that we do unless we had done a lot of planning ahead of time.

The Importance of Planning

A couple of years ago, I sat down and said, “Okay, we’ve been doing a lot of estate planning, we’ve been doing some elder law services, but you know, I really want to go all in. Deep end of the pool. Jump in with both feet.”

And we got after it. We aggressively started laying the foundation and planned to really work our knowledge in that area. We joined national elder law attorney groups and did what it takes to move us in that direction. There’s still tons of planning to do going forward, and I’ll do that continuously, whether it’s retooling plans, planning for the quarter, planning for the next year, and so on.

But sometimes we forget to plan for some of the biggest things that are coming down the road. That’s what I wanted to talk about.

What’s your plan? Maybe you’re still working every day, or perhaps you’re in your 60s, 70s, or 80s. You’ve worked your life, and you’re in retirement now.

Do you have enough money to make it through retirement? Maybe you do, but you want to make sure that you can pass on a legacy for your children. To make their lives a little easier and better, or to pass on some farm land or your home.

Do you want to help set up a college fund for your grandkids and make sure that’s protected and that the funds are only used to fund their higher education?

Those are all possibilities with planning. I always say, nothing gets done unless it gets scheduled. There’s another saying along with that, that there’s if there’s no intention, there’s no tension.

That intention is what gets you to do what you need to do. So if I wanted to plan something, what I need to do is identify the steps I need to take, and I need to put those steps on a calendar and make sure that they’re scheduled so that I devote my time to doing them.

The One Constant in Life

I’d like to ask a few questions, if that’s okay, and just walk you through what might be a good thought process for you to plan to save your hard earned money and property.

What’s the one constant in life? Well, the one constant in life is change.

As much as we plan or think we know what’s going to happen, we can guarantee that things are going to change. We can try to anticipate that change, but things are going to change regardless.

You know there’s a two-thirds chance that, if you’re over 65 right now, you’re going to need some type of long term care in your life, whether that’s at-home care, assisted living care, or nursing home care.

If and when your current health should change, you need to be prepared for how you’re going to pay for that. What are your options? What is your strategy to make sure that you can keep all the money you’ve worked for and use that?

Maybe you’re a married couple. If one party should have a health problem, what’s the strategy to make sure that all the assets for retirement, the income and property, isn’t spent down and sold or leans placed on it because of a healthcare problem of just one of the spouses.

These are things that we need to think about.

Think About Your Goals

The second thing is, what are your goals? Are they to keep your land and money during your lifetime? That’s a rhetorical question really, I know that’s you’re goal.

But is there an element there that you want to pass those assets down? Is there a farm you want to keep in the family that’s very important? Is there a vacation property that you want to make sure that the family’s still able to use, in your memory, after you’re gone?

What are you plans for that money and property after you’re gone? What are your goals there?

So the first thing is that we need to say change is constant and we need to plan. Then identify some goals out there to have healthcare options, protect money and property, pass it on, and then to carry that further. That would be to set up trusts or something of that nature to make sure the grandkids go to college, that you can help with that and that you’re remembered when those things take place.

Reap the Rewards

The last thing is, what’s your reward? What drives you?

Is it that you know that Johnny or Susie, your grandkids, are going to go to college? Is it that you have peace of mind, sleep better, and have less stress because you know you have that binder on a shelf or in a safe place that has all your important legal documents there?

That your entire plan is going to grow with you. That you’ve already done everything under the law to take care of that. You can put that behind you, or at least have peace of mind that you know those things are taken care of. The property’s protected, you have healthcare options. You have a plan in place.

Setting the Plan in Motion

Finally, how are you going to get that plan in place? Well, obviously, I know a little bit about that. Call your elder law attorney, call our office and we’ll set you up for an appointment, and we’ll sit down and talk about it.

We’ll go through these steps. I firmly believe in being extremely regimented with my client interactions and our planning sessions. We’re going to look at what your assets are, if you have your foundational documents in place.

Do you even have the basics? Do you have the power of attorney? General durable power of attorney, healthcare power of attorney, wills.

What does your asset picture look like? Go online, fill out our estate planning workbook. I’d be glad to take a look at it. We can meet and talk about it.

Do you need to go online and do some research? Go to, and I have tons of video blogs like this one, podcasts, blog pieces, and newsletters. Our newsletter, the Elder Law Report, gives you constantly updated information on any changes in helping protect your hard earned assets and legacy.

That’s just a great way to get something delivered directly to your inbox, once a month or so.

Come to one of our seminars. We give seminars on different topics all of the time. You can check the seminar schedule on our website.

Like our Facebook page. We put out constant information daily, and sometimes multiple times a day, on what’s going on at our firm and in the elder law community.

To Sum It All Up

  • Know that change is constant
  • Identify your goals and rewards for planning
  • Figure out how to achieve those goals
  • Research by contacting your elder law attorney and financial planner.


THE ABLE ACT: A New Tool for the Special Needs Community

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Greg McIntyre
Elder Law Attorney

Late in 2014, the ABLE (“Achieving a Better Life Experience”) Act was signed into law.  The law is aimed at achieving a manner in which those with special needs can save money without losing needs based public benefits such as SSI or Medicaid . This is an important issue and, perhaps the greatest accomplishment of the Act is that it brings attention to this valuable community and addresses a serious struggle that they face.  The fact that the ABLE act had strong bi-partisan support is encouraging for the special needs community and those who serve it. 

While an ABLE account does not replace other tools, like special needs trusts, it is a tool that adds an option for us in serving our clients with special needs.  In this issue of the ElderCounselor, we will discuss the new law, when it applies, its limitations and its uses.  We are hopeful this will give you a general understanding of the Act.


The ABLE Act Defined

The ABLE Act is a federal law that allows states to establish a savings program for persons with disabilities.  The program is modeled after the 529 savings accounts.  ABLE accounts may be used to accumulate savings, with certain restrictions, for use by a beneficiary with a disability.

An ABLE account may be established by any contributor (a parent, friend, family member or the person with a disability) for the benefit of an eligible beneficiary of any age so long as that person can establish they met the criteria prior to age 26. An eligible beneficiary is an individual who meets the standard for disability prior to turning the age of 26.  A recipient of SSI or SSDI satisfies this requirement while those who do not receive such benefits must be certified under the act.


Financial Limitations on the ABLE Act

While the ABLE Act has made strides in bringing to light the issue of saving for those with disabilities, there are limits to the Act.  For example, the Act imposes a limit as to the amount of savings that can be held in an ABLE account.

The first such limitation deals with the annual contribution amount, which may not exceed the annual gift-tax exclusion amount (currently $14,000).  In addition, ABLE accounts may only accumulate aggregate contributions up to the state’s limit on qualified tuition programs (i.e. 529 accounts), which ranges between $300,000 and $400,000.  And, finally, SSI exempts only the first $100,000 of an able account.  Therefore, if an individual receives SSI, his or her ABLE account may not exceed $100,000 and he/she may have other assets up to only $2,000.  Otherwise, the individual will become ineligible to continue receiving SSI, but can remain eligible for Medicaid.


Medicaid Payback

It is important to note that the ABLE account is a “Medicaid Payback” account.  This means that the Act requires a provision in the account that upon the death of the beneficiary of the account, Medicaid payments made on behalf of the beneficiary subsequent to the establishment of the ABLE account must be reimbursed with any remaining funds.  As a professional serving those with special needs, attention to the client’s priorities should be weighed carefully when determining the amount of savings to place in an ABLE account given this payback provision.  When a beneficiary of an ABLE account is receiving Medicaid, it is important to consider how much should be placed in the ABLE account to limit what may be recovered by Medicaid at the end of the beneficiary’s life.


Tax Benefits

ABLE accounts have tax benefits similar to 529 accounts.  Qualified distributions from the account are not counted as taxable to either the contributor or the beneficiary.  Qualified distributions include expenses paid for the benefit of the beneficiary related to:  education, housing, transportation, employment training and support, assistive technology and personal support services, health, prevention and wellness, financial management and administrative services, legal fees, expenses for oversight and monitoring, funeral and burial expenses, and any other expenses approved by the Secretary of Treasury.

In addition, earnings on the ABLE account are not taxable to the contributor or to the beneficiary.  Contributions, however, are made from post-tax income.

Finally, assets in an ABLE account may be rolled over to another ABLE account for the benefit of another qualified individual who is a brother, sister, stepbrother, or stepsister of the beneficiary.


Uses of the ABLE Act

A person receiving needs-based government benefits often has a dilemma when it comes to saving, whether for education or for unexpected events, all while maintaining public benefits such as SSI.  In order to receive SSI, a person with a disability must have assets under $2,000. The ABLE Act makes saving possible…up to a point.  Now the individual can remain on SSI and save a modest amount in an ABLE account (up to $14,000 per year).

Persons with disabilities who are employed may want to utilize an ABLE account to save a portion of their income while remaining qualified for SSI.  In addition, families may want to contribute to an ABLE account for their loved ones with disabilities in smaller increments.  These same families may also desire to use other tools available such as Special Needs Trusts, which may be more flexible.

On the other hand, the ABLE account will not be useful for people who have become disabled due to an accident and who are receiving a judgment or settlement for a significant amount.  And, it doesn’t work for a person with special needs in receiving a large inheritance.  There are several other instances where an ABLE account is not the answer.



Every tool has its use and the ABLE account is no exception.  Knowing when it is appropriate and knowing when another option might be more so is something we can assist with.  Please call us if you would like to learn more about this new law and how it might help you, a family member or one of your clients.  We are always happy to hear from you!

Emerging 10 Businesses in Cleveland County

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Humbled and Blessed – Mcintyre Elder Law was nominated for the “Emerging 10” businesses in Cleveland County. #blessed

Virtual Office Tour

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Check out our office and meet our team!

Understanding Social Security Survivor Benefits

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An earlier issue of The ElderCounselor addressed social security benefits generally and when to apply. In this issue, we will address the critical yet often-misunderstood topic of Social Security survivor benefits. This e-newsletter is based in part upon an article by Frank Rainaldi and William Rainaldi, first published in Trusts & Estates magazine and available on

 Survivors Benefits

According to the Social Security Administration, a surviving spouse may be eligible to receive the deceased spouse’s full retirement benefits at full retirement age (“FRA”).  For survivor benefits only, FRA is 66 for anyone born before 1957, and it increases two months every year until it reaches 67 for those persons born in 1962 or later. (For a regular retirement or spousal benefit, FRA is 66 for anyone born before 1955 and it increases two months every year until it reaches 67 in 1960.)  (E.g., see

Simply stated, survivors benefits are determined by looking first at the age of the deceased spouse, and then at the age of the surviving spouse.  In other words, we look at the amount of the benefit available to or being paid to the deceased spouse.  Then, we use the age of the surviving spouse to determine if benefits are paid early or at FRA; if the surviving spouse’s benefits are paid before 65, we must apply an actuarial reduction to the deceased spouse’s benefits.

It is important to note a key difference between survivor benefits and spousal benefits.  Spousal retirement benefits provide a maximum 50% of the other spouse’s primary insurance amount (PIA). Alternatively, survivors’ benefits are a maximum 100% of the deceased spouse’s retirement benefit.

Also, note the difference between the PIA and retirement benefit, which is critical when considering deferred retirement credits (DRCs).  DRCs can increase benefits by 8% per year when the worker elects to start collecting after FRA, up to a maximum increase of 32% for deferral to age 70. Note, however, that DRCs apply only for survivor benefits; DRCs do not increase the PIA and thus they aren’t applicable to spousal benefits. Therefore, if one spouse has the higher personal benefit and waits until age 70 to begin collecting, the full benefit with DRCs would be payable to the surviving spouse.

 The Most Common Scenario – Both Spouses Reach FRA

The most common scenario is when death occurs after both spouses have reached their respective FRA.  In this case, the survivor benefit is simply the higher of the two benefits.  If one spouse is collecting $2,500 and the other is collecting $2,000, the surviving spouse’s benefit would be $2,500.  It actually does not matter which spouse dies, the survivor benefit is still $2,500.

For example, assume Mr. A has a personal benefit of $2,000, the amount he would receive at age 66.  If he elects to defer until age 69 he would get a 24% increase in his personal benefit to $2,480.

Now let’s say Mrs. A. never worked outside the home.  When Mr. A. is age 66, the spousal benefit would be 50 percent, or $1,000. Note, however, that the spousal benefit would still be $1,000 (not $1,240) when he is age 70 because the 24% increase does not apply to spousal benefits.  But DRCs do apply to survivor benefits.  So, when Mr. A. dies, Mrs. A. would get the full $2,480 as a survivor benefit.

What if the first spouse dies prior to age 62?  The benefit will be the deceased worker’s recalculated PIA, which is based on a different set of assumptions.  It uses the worker’s earnings for a “substitute year” and a different set of required Social Security credits for the applicable age.  This special PIA calculation can only help; it can’t hurt.  It only applies if it provides a higher PIA then the regular PIA calculation.

What if death occurs after age 62 but prior to FRA after taking early retirement benefits?  The benefit will be the deceased worker’s reduced retirement benefit.  This is one good reason not to retire early.  Note that there is a minimum benefit of 82.5% of the deceased worker’s PIA, not including any actuarial reduction in benefits.

 Surviving Spouse Collects Early

If the surviving spouse elects to collect before her own FRA, as with other Social Security retirement benefits there is an actuarial reduction.  For a personal, spousal or divorced spouse’s benefit, one can start as early as age 62.  However, a surviving spouse can start collecting as early as age 60.  If the survivor benefit is at FRA or later, there is no actuarial reduction.

It’s important to note that the surviving spouse has additional options.  Suppose the surviving spouse is age 60 and not collecting any benefits. When the other spouse dies, she has the option of receiving her actuarially reduced personal benefit, then later switching to a full-unreduced survivor benefit at FRA.  This could limit the downside of collecting early.

To determine the monthly reduction amount, simply take 28.5% divided by the number of months between age 60 and the survivor FRA determined above.   The “Widow Limit” caps the survivor’s benefit at the larger of the benefit the deceased would have received if he or she were still alive, or 82.5% of the deceased PIA. This Widow Limit only comes into play if the deceased claimed benefits prior to his or her FRA. The following, from, graphically explains these options.


Suppose the surviving spouse started collecting a reduced personal benefit at 62, and her spouse dies when she is 64.  At that point, she has the option of continuing to collect her personal benefit for two more years and then switching to a full, unreduced survivor benefit at age 66.

Of course, the survivor cannot collect both benefits at the same time; the survivor must choose one or the other.  Only one switch is allowed.  If the surviving spouse is already collecting a personal benefit, she could not go from a personal benefit to a survivor benefit and then back to the personal benefit.

Understanding survivor benefits is especially important when there is a significant age difference between the two spouses.  When one spouse may outlive the other by a considerable margin, survivor benefits are a much more important than “file and suspend” or “spousal only.”  In that case, it is often a good idea to make sure that the spouse with the higher personal benefit defer until age 70, if possible.


A former spouse who is age 60 or older (50-59 if disabled) can get benefits if the marriage lasted at least 10 years.  However, there is no age or length of marriage requirement if the former spouse is caring for her or his natural or adopted child who is younger than 16 or who is disabled and entitled to benefits based upon your work.  Benefits paid to a former spouse who meets age or disability requirement does not affect the benefits for other survivors based upon the worker’s record. However, the benefits paid to a former spouse who is caring for a minor or disabled child do affect other survivor benefits.


Generally, the survivor cannot get survivor’s benefits if he or she remarries before age 60. But remarriage after age 60 (or age 50 with a disability) will not prevent the survivor from getting benefit payments based on the former spouse’s benefits. And at age 62 or older, the survivor may get benefits based on the new spouse’s work, if those benefits would be higher.


Social Security survivor benefits offer a surviving spouse the opportunity to significantly increase her or his benefits based upon the benefits payable to the deceased spouse. Therefore, it’s important that seniors and their loved ones understand how to maximize those benefits. Accessing survivor benefits and understanding what is available is an important piece in helping seniors with their overall planning goals.  Please contact our office if you have any questions or if we can be of assistance to someone you know.



Five Things that Elder Law Attorneys are Thankful For

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ThankfulThis is the time of year we like to pause and reflect on that for which we are thankful.  In our personal lives, we often share these thoughts around the table at Thanksgiving.  In our professional life, the words “thank you” are not said often enough.  We would like to dedicate this issue of The ElderCounselor to say “thank you” for the people and things that make our lives more fulfilling. Here are five things we Elder Law attorneys are thankful for.

The Ability to Help Clients Plan Before a Crisis Happens

            Elder Law attorneys care greatly for their senior clients and like to see things go smoothly for them, especially as difficult issues arise, such as finding and paying for long-term care.  Clients who understand the need to plan early are more likely to find a smooth path into these transitions.

            While typical estate planning includes planning for incapacity during one’s lifetime as well as distribution of one’s assets upon their passing, Elder Law attorneys have an added focus of planning with long-term care in mind.  Often a traditional estate plan will have the same documents that an Elder Law attorney puts in place, like a Revocable Living Trust; a Pour-Over Will; a Durable Power of Attorney; a Health Care Power of Attorney; and a HIPAA Authorization.  However, the provisions within the documents vary significantly depending on the focus of the attorney drafting them.  Because one focus of the Elder Law attorney is to help  clients plan for the possibility of needing long-term care while protecting the home and other assets, our planning documents often include an irrevocable trust designed specifically for this purpose.  Other documents, like the Durable Power of Attorney, will include enhanced powers that allow the agent to engage in Medicaid and/or Veterans Administration (“VA”) pension planning. 

            Adding enhanced provisions to existing planning documents enables those trusted persons to pursue additional planning strategies if and when the time comes for the senior to utilize long-term care.  When the time comes for Medicaid planning or VA pension planning, it is imperative for the trustee and/or the agent to have the authority to take specific actions on behalf of the elderly person, like the authority to establish and fund an irrevocable trust, file a Medicaid application or prepare a VA pension application.  The grant of authority must be clearly stated within the documents yet these powers are not normally found in general estate-planning documents. 

            Having clients in our office long before they are in need of long-term care allows Elder Law attorneys to successfully and efficiently assist clients when they need it.  We are all thankful when we have such a client.

Other Professionals

            An Elder Law attorney’s office is much more than a place where legal analysis is conducted or where legal documents are prepared.  It is also a place where seniors are heard, encouraged to express all of the issues they are facing, and where connections are made.

            We are thankful to have ongoing relationships with other professionals that are compassionate about the elderly.  Our clients are much better off because of these other professionals.  For example, many times a Placement Specialist is needed to help a client find the best facility to meet their long-term care needs.  Sometimes a family needs a Care Manager for a variety of reasons including to act as an advocate or to oversee care provided to a loved one.  Professional Fiduciaries can be an amazing resource for families as they can alleviate stress from family members allowing family to just “be there” for the senior.  CPAs, Financial Advisors, other Estate Planning attorneys, Real Estate agents, Insurance agents and a plethora of other senior-centric professionals are invaluable to the Elder Law attorney devoted to their clients.

            These relationships are not only personally fulfilling, but also allow us to comprehensively serve our clients. 

Non-Profit Organizations

            There are many non-profit organizations that are dedicated to making life better for the elderly and who support Elder Law attorneys and for that we are thankful. These organizations keep us up to date on the issues facing the elderly, give us a heads up on changes in the laws across the country and continue to provide new ideas on how to best serve our clientele.  The National Association of Elder Law Attorneys, the Alzheimer’s Association and the National Council on Aging are a few of the organizations that Elder Law attorneys can connect with to better serve our clients.   We are all in this together and working toward a common goal to serve seniors and their loved ones the best way possible.

Trustworthy and Committed Family Members

Although we occasionally serve an elderly client who has no family members or close friends, we are thankful when trustworthy and committed family members are available to the client.

            Many of the strategies we have available to us only work when a client has trusted people to assist in the strategy.  Many thanks go to adult children who are committed to their parents.  Spouses who are still devoted to your ill spouse after “how-many-ever” years of marriage are also greatly appreciated by Elder Law attorneys!  Without you our work would be much more difficult.  Without you, the strategies we employ would fail to work the way they are meant to work.  You are vital to the health and welfare of your elderly loved one.

            It is often the family member who finds the Elder Law Attorney for the elderly client.  As technology changes, the older client sometimes has a difficult time finding the necessary resources.  We are very grateful to those family members who seek out an Elder Law attorney and bring us together.

Our Own Support System

            Advocating for a senior can be stressful for a variety of reasons.  While it is one of the most fulfilling jobs we can think of, it brings with it concerns for our clients that can creep up at all hours of the night.  As with any professional whose heart is a big part of their service, our support systems are essential to our well-being.

            Our support systems include our family members, professional colleagues, neighbors and our friends.  Without our supporters, we would be unable to continue doing what we love. 

Happy Thanksgiving to all of you!  Enjoy your family and friends this holiday season.  If you have any clients or know of anyone who would benefit from the assistance of an Elder Law Attorney, please do not hesitate to contact us.  We are always happy to hear from you and your clients.  Happy holidays!



Choose Wisely Grasshopper! Choosing an Attorney – Why Education is Important…

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The topic of this blog post is choosing wisely, grasshopper. We’re going to talk about how the education of your attorney is so important.

Why is it important? I was recently at a elder law immersion bootcamp in Tampa, Florida, learning advanced planning and strategy with attorneys from across the country. Simply getting the education down there is a great value in itself.

But if I’m just showing up, just taking in the information that’s put out, that’s one thing. That’s really a minor part of what we were doing.

We’re staying up on changes on federal and state laws. This complicated area of law changes all the time. For example, federal regulations and state medicaid laws are constantly updated. As well as tax laws, trust rules, and other things of that nature.

So keeping up to date on those changes, learning cutting edge tools and strategies, the new developments, and new types of trusts, revocable and irrevocable.

Then communicating with other leading attorneys from across the nation who really know their stuff. Getting out of my box in Shelby and the Charlotte area of North Carolina and seeing what other people from around the country are doing. It’s so important to educate yourself in any profession, but it’s definitely something to look at if you’re searching for an attorney.

You want somebody who’s getting out of their comfort zone, who’s not just confining themselves – not dabbling.

Do not dabble in any area of law, especially not elder law. I think any good attorney will tell you this.

In any area you’re thinking about hiring an attorney, one of the greatest benefits is doing what I’m doing right now: talking to other attorneys. And conferring with them outside of the classroom setting, kind of a mastermind group.

Discussing different ideas, kicking things around – how to solve problems for a specific client or different scenarios that we can go through to be a better lawyer or run a better practice.

These things are extremely beneficial, as well as keeping those relationships up. So I can go to that well again and have a bevy of excellent leaders in their field around the country who can solve any problem that comes my way, crush any problem that comes our way.

Whether I know it or have seen it before or not, I’m going to have a deep bench. Some of you have heard me say that before, a really deep bench that I can go to, the groups that I’m involved in. And that’s the benefit of these types of conferences and being involved in national groups in a specific area of law.


Choose Wisely Grasshopper! Choosing an Attorney – Why Education is Important…

in Articles by Greg McIntyre 1 Comment

Coming to you from Tampa, Florida at a National Elder Law Boot Camp Seminar with Attorney Mario Correa from Chicago, Illinois. Mario and I discuss why it is extremely important for you to choose the correct attorney for your planning needs. Education and resources can make a huge difference. Don’t dabble… Be “All In!”

Long-Term Care Financial Planning

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Kevin Nervegna with GCG financial educates us on advanced financial strategies to plan to protect your hard-earned money and property from a long-term care situation.

Elder Law Basics – Protecting Your Hard Earned Money & Property

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Do you know someone who has lost their home and property due to an unforeseen long-term healthcare need? Learn how to protect yourself. Learn how to protect your hard earned money and property. Elder Law Attorney, Greg McIntyre will give a short presentation on how to do just that. Come join us for a night of fun and education.

This event will take place on Tuesday, October 7, from 6:00 – 7:00 p.m. at The Owl’s Eye Vineyard & Winery. Dinner will be served, and you are welcome to bring a spouse or friend.

Please RSVP by calling McIntyre Elder Law at 704-259-7040 or by emailing by Friday, October 3.

Sponsored by: McIntyre Elder Law, GCG Wealth Management, Crystal Springs Retirement Estates and Yadkin Bank.

Elder Law Basics

Elder Law Basics

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