Jun
21
4:00 pm16:00

Home Care Solutions for Successful Aging

On this week’s Life Happens Radio, attorney Lou Pierro and Life Care Manager Katherine Rosenblatt shared creative strategies that combine Geriatric Care Management and Elder Law to help listeners stay at home longer with affordable, quality care.

Lou and Katherine also talked about "EverHome Care Advisers," a new program that gives clients both financial and personal care options all under one roof at Pierro, Connor & Associates. If your goal is for a loved one to age at home as long as possible, then listen to this Life Happens Radio Show to hear how we can help.

Jun
10
11:00 am11:00

This Ain't Your Grandpa's Life Insurance...

Hello, World!

This week on Life Happens Radio, we debunked a lot of the myths surrounding permanent life insurance, so you will have the best information to decide how much, and what type, of life insurance is right for you.  We used to think that life was insurance was "only good if you died."  And, in some ways, we were right!

During this program, though, Bob Vandy and Brian Johnson highlighted some of the recent changes that have taken place with life insurance - including the broader availability of "living benefit" riders, which can allow a policyholder to use the life insurance BEFORE he or she passes away, giving more flexibility than ever before to use life insurance while we are still living, making it an integral part of our overall planning.

Listen in to Brian and Bob's show to learn more!

 

Jun
3
11:00 am11:00

Set Your Graduates Up For Success

Hosts: Lou Pierro and Dean Skarlis

The College Advisor of New York founded by Dr. Dean Skarlis, has counseled hundreds of students through the college selection and preparatory process. Dr. Dean Skarlis shares his "insider's" knowledge on all aspects of college planning.

May
27
May 28

Health Care Reform and the Impact on Medicaid LTC

Hosted by: Lou Pierro and Frank Hemming

 

On this episode of Life Happens Radio, hosts Lou Pierro and Frank Hemming discussed the takeaways from the 22nd Annual Elder Law Forum at the Century House (Latham, NY), and how Trump's proposed budget affects seniors.

They also discussed Community Medicaid in New York, why clients should work with Geriatric Care Managers and the realities of home care under the Managed Long-Term Care System.

May
20
11:00 am11:00

The Five-Year Look-Back Period

Hosts: Aaron Connor and Frank Hemming

 

One of the most misunderstood aspects of Medicaid is the look-back period for asset transfers, and how that affects eligibility for elderly people in need of long-term care. Medicaid is designed to pay for long-term care once the individual’s funds and assets are spent down.

Many people turn to long-term planning, so they can protect their hard-earned money. Often the goal is to pass on some portion of their savings and assets to loved ones.

Tune in on May 20th to Life Happens Radio, as Medicaid experts Aaron Connor and Frank Hemming explain the process of the five-year look-back. They will also be answering your questions about the complex system of Medicaid.

May
13
11:00 am11:00

Planning for Disability and More

Hosts: Bob Vandy and Brian Johnson

 

May is Disability Insurance Awareness Month (DIAM).  In concert with May & DIAM, Bob Vandy and Brian Johnson are going to provide you with some basic information you need to properly plan for the unlikely, but potentially devastating, event of a disability, which could severely compromise your financial security in the event you can’t work because of an illness or injury and lose some or all of your income.  Bob and Brian will also address some additional related insurance related topics, as well as address some of the questions our listeners have had about insurance planning.  Tune into this informative broadcast for some great updated information for your insurance planning.

May
6
11:00 am11:00

Advantages of a Living Trust

Hosts: Aaron Connor & Nicole Hurley

 

If you want to control and protect your assets during your lifetime, a Revocable Living Trust may be the perfect fit for your long-term planning needs. This week on Life Happens Radio, attorneys Aaron Connor and Nicole Hurley will discuss the real benefits of a Revocable Trust versus a Will. Learn about the flexibility to make changes to the terms of the trust at any time, how to avoid the costs of probate, and the ability to set up the smooth transfer of assets to beneficiaries upon your death. Aaron and Nicole will be ready to take your calls, so tune into Life Happens Radio on May 6.

Apr
29
11:00 am11:00

Future Care Planning for Special Needs Loved Ones

Hosted by: Aaron Connor & Kevin Horner

 

A child with disabilities requires special care now and in the future, but because there are so many immediate needs, many parents and caregivers put off planning for the future; but waiting too long carries risks.

How are clothing expenses going to be paid? Where will you find affordable housing with supportive services for your loved one with special needs? How can you put in place a care plan that will provide a full and rewarding life, yet still provide a safety net? These are all important questions that should be answered when a child is younger, before he or she transitions into adulthood or when a parent/guardian passes away.

On this episode of Life Happens Radio, hosts Aaron Connor and Kevin Horner discussed why Future Care Planning is so important. You also learn how to ensure your loved one with special needs has a comprehensive long-term plan.

Apr
22
11:00 am11:00

Estate Planning: Everything You Need to Get Started

 

Hosted by: Lou Pierro & David Staggs

Are you preparing for your first estate planning meeting? Has it been a while since your documents have been reviewed? Hosts Lou Pierro and David Staggs cover the gamut of necessary tools, techniques, and documents to help achieve your goals.

This show covered all the basics of estate planning such as Wills, Powers of Attorney, Health Care Proxies, Trusts and other essential documents to help create your first plan or enhance your existing one.

Apr
8
11:00 am11:00

Don’t Get April-‘Fooled’ – the Top 10 Misconceptions about Insurance Planning

Hosted by: Bob Vandy & Brian Johnson

 

We hope you were able to join us for this broadcast.  If not, you should be aware that the “3 Amigos” – Bob Vandy, Brian Johnson and Lou Pierro – were all on hand to educate our listeners on some of the biggest misconceptions in insurance planning; in particular when it comes to life insurance and long-term care insurance.  It is important to remember that something that is untrue doesn’t BECOME true just because we hear it over and over.  Tuning in to Life Happens Radio, and this particular session, will help you avoid being MIS-informed!

You will also hear about New York LTC Brokers upcoming May 17, 2017 consumer seminar entitled “AgeLess: a Prescription for Successful Aging,” with special guest Dr. Bob Pokorski – give it a listen TODAY!

Apr
1
11:00 am11:00

Planning for the Future, While Staying in Control

Hosted by Aaron Connor & Frank Hemming

 

 

This week on Life Happens Radio hosts Aaron Connor and Frank Hemming will discuss how to maintain your independence as you grow older.   Aaron and Frank will explore strategies and planning concepts that enable you to avoid the need for a nursing home while protecting your assets and providing you with the ability to age in the comfort of your own house.  During this episode you will learn how to provide your family with sound legal planning that will protect and control your assets as the need for care becomes a necessity.

Mar
18
11:00 am11:00

Acting Now: Discussions about Medicaid Planning

 

Hosts: Aaron Connor and Frank Hemming

Did you know that even if you are in good health now, would be the prime time to do your Medicaid Planning? Medicaid Planning protects your family and your assets. This week on Life Happens Radio your hosts Aaron Connor and Frank Hemming will discuss why it could be important to plan ahead, especially when it comes to gifts for your children and grand-children. Aaron and Frank will also talk about ways to be prepared for the issues that arise while obtaining benefits, and why you should work closely with an experienced Elder Law Attorney to guide you through the process.

Mar
11
11:00 am11:00

Observations from a Successful and Experienced LTC Insurance Agent

Hosts: Bob Vandy and Brian Johnson, with Guest speaker Eric Hukey

 

In this edition of Life Happens radio, we had a special guest in the studio.  Erick Hukey is a local, and highly successful agent specializing in LTC planning and LTC insurance solutions.  He shared his thoughts on the things he commonly hears in speaking with so many clients – why they decide to look into LTC insurance, the most common age people are looking into it, considerations in plan design and more.
Tune in to this informative Life Happens podcast for some helpful hints when considering LTC planning and insurance.

Mar
4
11:00 am11:00

Strategies for Staying in Your Own Home - Forever!!!

Lou email HS.jpg
 

Host: Lou Pierro with Guest, Katherine Rosenblatt

On this episode of Life Happens, hosts Lou Pierro and Katherine Rosenblatt discussed how no one “dreams” of spending their “Golden Years” in a nursing home, yet millions of people do.

With careful planning, however, we can live life independently, in the comfort of our own home, with the people and things we love all around us.  Studies show that 70% of Americans age 65 and older will need Long Term Services and Supports (LTSS) at some point in their lifetime. The hosts discussed some steps to take towards mastering your destiny as an aging American.

Lou and Katherine also discussed EverHome Care Advisors, a powerful new company giving seniors and people with disabilities in the Capital Region real solutions in real time, enabling you or your loved one to stay at home and make your castle a health care fortress. 

Katherine Rosenblatt, LMSW, is a member of the Aging Life Care Association (also known as Geriatric Care Managers), and founder of Capital District Elder Care.  As part of EverHome Care Advisors, she works closely with families to navigate the complex health and long-term care systems, providing a range of crisis and planning services including a comprehensive assessment of care needs and available resources, followed by a personalized care plan.  With the EverHome team Katherine identifies appropriate services, evaluates the possible need for alternative living options, and puts the action plan in place for an improved quality of life for you or your loved one while eliminating uncertainty and reducing stress.

Lou Pierro has over 33 years of experience as an Elder Law attorney, and is an innovator in the elder care marketplace, having founded Pierro, Connor and Associates, LLC, Elder Counsel and EverHome Care Advisors.  Through EverHome, a single call can open the door to a world of options all designed to give families the care they need, when they need it, without breaking the bank.

Feb
25
11:00 am11:00

Strategic Planning Steps: Implementing Your Estate Plan

Hosts: Lou Pierro and David Staggs

Lou Pierro Headshot.jpg
 

Putting together an estate plan, or updating one already in place, can be a daunting task.  Listen as attorneys Lou Pierro and David Staggs, along with Bob Vandy, give you instructions on how to get started and what tools are avaialble to build the plan, such as Trusts, Wills, Power of Attorney and more.  You will learn how to reduce taxes, lower costs, protect assets and provide the best plan for your heirs.

Feb
18
11:00 am11:00

Navigating the Medicaid Maze

HOSTS: Aaron Connor and Frank Hemming III

 

On this episode of Life Happens Radio, hosts Aaron Connor and Frank Hemming discussed how obtaining your Medicaid benefits is not a quick and simple process.  We found out that eligibility is a complex road that must be expertly navigated in order to avoid penalties or the outright rejection of your benefits. They discussed how to becoming eligible for Medicaid, requires providing the government with copious details that canvas the last five years of your life.  The hosts also examined how to avoid delays in your benefits and steer clear of the potential disasters when filing for Medicaid.

Feb
11
11:00 am11:00

Insure Your Love

Hosts: Bob Vandy and Brian Johnson

 

“In this ‘pre-Valentine’s Day’ edition of Life Happens radio, Bob Vandy and Brian Johnson shared some great tips on ‘Insuring Your Love.’  Study after study shows that we buy insurance for one main reason – because we LOVE someone.  And, having the right life, Long-Term Care or Disability insurance in place helps protect not only ourselves, but also our loved ones, from an unexpected occurrence like a premature death, disability or extended or chronic care event.  If you want up to date information on the most cost effective and efficient ways to ‘insure your love’ this podcast is for you!”

 

Feb
4
11:00 am11:00

When is it Time to Service Your Estate Plan?

Hosts: Lou Pierro and Nicole Hurley

Lou_Pierro
 

Attorneys Lou Pierro and Nicole Hurley provide tips on the best ways to update your plan, reasons you would update and how often you would be meeting with your team.  Protecting assets, the use of trusts, Medicaid rules, avoiding probate and other substantive issues are addressed.

Jan
28
11:00 am11:00

Trusts: The most powerful weapons in the Estate Planning arsenal

HOSTS: Lou Pierro and Kevin Horner

On this episode of Life Happens Radio, hosts Lou Pierro and Kevin Horner discussed how trusts work, including roles of grantor, trustee, and beneficiary.  They also talk about the advantages of trusts in avoiding probate, as well as disability planning, protecting beneficiaries from divorce, creditors, and Medicaid planning.

Jan
21
11:00 am11:00

Medicaid Planning: Thinking INSIDE the Right Box

HOSTS: Aaron Connor and David Staggs

This concept of thinking inside the right box, as applied to Medicaid planning, refers to having the knowledge into making the right decisions.  In this episode of Life Happens Radio, your hosts Aaron Connor and David Staggs introduce the “box,” how to get in it, and why it can be important. This episode will challenge you to reconsider your approach to Medicaid planning.

Jan
14
11:30 am11:30

Insurance Trends in 2017

HOSTS: Bob Vandy and Brian Johnson

Bob Vandy
Brian Johnson
 

Tune in to this session of Life Happens Radio, as Bob Vandy and Brian Johnson discuss the things to look out for in your risk (and “consequence”) management for the coming year. What has changed – or may change - in Life, Long term Care, Disability and other insurance planning?

Brian and Bob will help you identify key areas to pay attention to, changes to consider and, perhaps most important, what will NOT change in 2017! Tune in to this informative show!

 
Jan
7
11:00 am11:00

Medicaid and Long Term Services in Your Own Home.

HOSTS: Lou Pierro, Aaron Connor and Frank Hemming

This week on Life Happens Radio, our hosts and attorneys, Lou Pierro, Aaron Connor, and Frank Hemming addressed the Who, What, Where, and How as some of the key questions on accessing and paying for Long-Term Care. These answers are vital to living as independently as possible, and receiving health care in your own home.  These discussions included topics such as preparing your home for a lifetime of living, the Medicaid ‘5-Year Look Back’, the new Medicaid, Managed Long Term Care programs, Navigating Medicaid income and asset rules in New York, Estate Planning Basics, Geriatric Care Management and Medicaid Homecare programs and services.

Dec
31
11:30 am11:30

New Years Eve Show: What should your goals be for the New Year?

It’s hard to believe 2016 is almost over, and with 2017 just around the corner, it’s time to make your New Year’s resolutions. For many people, the standard resolution is getting organized, and along these lines, let’s make it a year to get our estate plans in order.

Estate planning is all too often our ‘when I have time’ or ‘next year’ task. Instead, it should be one of your top goals of 2017. Whether it is creating a will, disability planning, creating a medical power of attorney or considering a living trust – these are not tasks that should be left, once again, for next year.

An estate planning attorney can help you with your estate planning New Year’s resolutions, and help to ensure your family’s needs and goals are met.

Host Lou Pierro and Robert Vandy give concrete steps to successful planning, covering strategies for getting organized to start the new year, including:

  • Start to take a thorough inventory of all of your assets
  • Begin taking a thorough inventory of all your legal documents
  • Review 2016 spending
  • Review Long Term Goals
  • Contact your financial advisor, consider new investment options
  • Wait until next year to exercise your stock options.
  • Take advantage of tax-deferred retirement plans. To reduce your taxable income this year, maximize your IRA and 401(k) contributions.
  • Harvest investment losses.
  • Pre-pay state income taxes.
  • Ramp up your charitable contributions. Distribute trust income, even if it's not required.
  • New Year’s [Insurance] Resolutions o Resolve to provide the best insurance solutions for your estate planning needs
    • Resolve to protect your loved ones against the impact of taxes and other risks
    • Resolve to review your insurance policies and other documents to make sure they don’t need updating
    • Resolve to make sure you have the right beneficiaries named on your life insurance policies
    • Resolve to ensure against life happening in the way of long-term care, or premature death.
  • Build your team in 2017… and more!
Dec
17
11:30 am11:30

Home for the Holidays: A Good Time to Discuss Aging Life Care & Long Term Care Planning with Your Loved Ones

Host: Lou Pierro
Guest: Katherine Rosenblatt

Description: It is the holiday season, which means families are making their travel arrangements and dinner plans for the festive occasions.  There will be much to share around these joyous occasions; one thing you may want to share and discuss during the holidays with your family is your financial standing and future health plans, especially for long term care. Although it may not always be an easy conversation to have, the holidays are a great opportunity to discuss your plans and make some important decisions while you are all together.

This week on Life Happens Radio our host, Lou Pierro and guest host Katherine Rosenblatt, will be addressing what an Aging Life Care Professional is, and how one can be effective in yours or loved ones long term planning.

Katherine Rosenblatt will offer some of her expertise and guidance when dealing with elderly care and how to approach these specific subjects.  She is the Geriatric Care Manager of Capital District Elder Care. Capital District Elder Care assess, supports and advocates for your loved one, crafting a personalized care plan based on a comprehensive assessment of essential components such as, Physical/Medical, Functional, Emotional/Cognitive/Spiritual, and Financial.

Katherine has over 20 years of Social Work service in the Capital District, and has focused her career solely on healthcare settings. Katherine is very skilled at working with clients and families at a time of changing health status, and the resulting stress this places on all.

 

Dec
10
11:30 am11:30

"Home (and Planning!) for the Holidays - What to Talk About with Family This Holiday Season"

Hosts: Bob Vandy/Brian Johnson

Description: The Holidays are a time to spend and reconnect with family, "disconnect" from work for a while, and remember why we hold those we love so dear.  Often, the Holidays also represents the best - and, for some, ONLY - time in the year that you can have a meaningful, face-to-face discussion about planning.  This is especially true when parents or other family members are aging and may need help in later years.
In this edition of Life Happens Radio, we'll talk about "having the conversation" with family members, about planning for things like Long-Term, extended or "chronic" care, including what it means...and how to pay for it.  In addition to regular co-hosts Brian Johnson and Bob Vandy, Paul Silva will be a guest host this show to talk about a little known planning device that those who CAN'T qualify for an insurance based solution case use to help offset the cost of care.  Tune in on December 10 from 11AM to Noon on Life Happens radio!

Dec
3
11:30 am11:30

ESTATE PLANNING: A DIFFERENT KIND OF HOLIDAY PLAN

Hosts: Lou Pierro/Aaron Connor

Description: As the holiday season fast approaches, no doubt many of us are looking forward to family gatherings, trimming trees, wrapping gifts and updating our Estate Plan…

Yes, that’s right, your estate plan needs to change as often as your life changes. If there’s a new member of your family at your table this year, or perhaps a missing member, then you might need to update your estate plan.

Perhaps you’ve never taken the time to create an estate plan at all. The idea may sound grandiose, but if you have any assets and anyone to whom you would like to give those assets, then you need an estate plan. Do you want to enter the holiday season knowing that your loss could put the loved ones around your table in an uncertain position?

Tune in to Life Happens Radio and listen as attorneys Lou Pierro and Aaron Connor discuss why the holidays are a good time to think about your estate planning and how to accomplish some of the steps on the checklist of estate planning actions.

Dec
1
12:30 pm12:30

Special Needs: What is Future Care Planning? When Should I Start The Process?

A child with disabilities requires special care now and in the future, but because there are so many immediate needs to take care of, many parents and caregivers put off planning for the future. They say, “I’ll do it tomorrow,” and before you know it too many “tomorrows” have passed, and the future is here, and little or no planning has occurred. Now what? How are clothing expenses going to be paid? Where will you find affordable housing with supportive services for your loved one with special needs? How does one put in place a care plan that will provide a full and rewarding life, yet still provide the safety net that needs to be in place? These are all important questions that should be answered when a child is younger, rather than when they transition into adulthood or when a parent/guardian passes away.

Tune in to Life Happens Radio, November 26, as attorneys Lou Pierro and Kevin Horner discuss why Future Care Planning is so important and what options you have to ensure your loved one with special needs has a comprehensive future care plan.