Dec
9
11:00 AM11:00

“The Truth about Insurance at Work, and What Santa Has in Store”

There are quite a few myths and misunderstandings out there about insurance coverage we may have through work, what it covers, for how long, and if I leave a job. 

While health insurance is often most thought of (especially this time of year), and we won’t cover it in this radio show, there are often other types of coverage your employer may offer.  Do you REALLY know how they all work?

Join Bob Vandy and Brian Johnson from Advisors Insurance Brokers (a.k.a. New York Long Term Care Brokers), and their special guest Rob Ritter from Allstate, as they help educate you on the truths, the myths and key things to keep in mind as you examine your work-related insurance coverage and benefits – both now and in the future.

Tune in Saturday, December 9 at 11am for this timely topic. And if you have a question, give Bob, Brian and Rob a call LIVE on the air at 1-800-TALK WGY.

Life Happens…Are YOU Prepared?!

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Oct
28
11:00 AM11:00

"The Six Biggest Estate Planning Mistakes"

 October 28,2017

11 a.m.- 12 p.m.

"The 6 Biggest Estate Planning Mistakes"

 

 

In this week’s edition of Life Happens Radio, Attorneys Lou Pierro and Rebecca Cerny will share six of the biggest estate planning mistakes.

Estate planning may seem simple to some, but it's important to make sure all of your bases are covered. Some common mistakes include: failing to fund a trust, not checking benneficiary designations and not planning for a disability. Rebecca and Lou will discuss how to avoid these mistakes and make sure you have the right plan in place. 

Got a question? Tune in on Saturday, October 28, when Lou and Rebecca will be taking your calls live on the air at 1-800-TALK-WGY. 

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Oct
21
11:00 AM11:00

"Avoid the Hassle: Hire an Elder Law Attorney When Planning for Medicaid"

In this week’s edition of Life Happens Radio, Attorneys Lou Pierro, Aaron Connor and Frank Hemming will highlight five reasons you should always hire an Elder Law attorney when planning for Medicaid.

Doing it yourself may seem more cost effective, but in reality hiring an Elder Law attorney can SAVE you money, time and a serious amount of stress. 

Got a question? Tune in on Saturday, October 21, when Aaron, Lou and Frank will be taking your calls live on the air at 1-800-TALK-WGY. 

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Oct
20
11:00 AM11:00

"A Look Back and a Look Forward: Insurance Update"

In this week’s edition of Life Happens Radio, listen as Brian Johnson and Bob Vandy review some of the concepts and ideas that were covered in the September Workshop "Live Long and Prosper", as well as go over November’s “Long-Term Care Insurance Awareness Month.”

They give up-to-date information to help you plan properly for the possibility of an extended care event, as well as other planning ideas.

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Oct
4
3:30 PM15:30

You,too, Can Qualify: Medicaid Stories

Saturday, October 7, 2017

Join attorneys Aaron Connor and Frank Hemming on Saturday for a unique 30 minute Life Happens Radio show to precede the game on WGY. They've got the inside scoop on unlocking Medicaid benefits that could get your loved one quality healthcare without breaking the bank. Tune in from 11:00-11:30am!

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Sep
18
3:30 PM15:30

"LIAM" is Back!

What is “LIAM?”  Well…it’s Life Insurance Awareness Month, of course! 

Each September, the planning community takes time to educate the public about, and stress the importance of, planning in advance for the unlikely event of an untimely death.  Also, as our listeners know, the entire Life Happens team advocate for educated planning, and this show will be no exception.

Listen in as Bob Vandy helps clarify some confusion when it comes to life insurance, share some of the latest developments in product design (including how to use life insurance to solve MORE than just the life insurance need!), give you some helpful tips when shopping for it, and direct you to some resources that can help you make educated decisions about what product(s) might fit your situation best.

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Sep
9
11:00 AM11:00

Real Life Medicaid Success Stories

Clients sometimes tell us, “I almost didn’t come in to speak with you because I figured no one could help me.“ To their surprise and relief: we often can.

Just because you have a unique situation doesn’t mean Medicaid isn’t available to you. There’s frequently a solution, if you know the ‘ins and outs’ of this complex federal program. That’s one of our specialties at Pierro, Connor & Associates, LLC.

On this edition of LHR, you’ll hear real-life examples of clients who qualified for Medicaid despite their unusual circumstances. Those include:

  • Out-of-state clients moving back to New York for long-term care
  • One spouse needs home care; the other needs a nursing home
  • Applicants who have substantial income and assets

Listen in to hear hosts Aaron Connor and Frank Hemming share strategies that could get your loved one qualified for Medicaid.

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Sep
2
11:00 AM11:00

Labor Day Weekend Show

As kids are heading back to school, it’s the perfect time for grown-ups to get a lesson or two in smart retirement planning. Maybe your children are off to college and you are trying to care for parents, work and plan for the future? Or you’ve been concerned about preserving assets and aging independently in these financially rocky times. If this sounds familiar, then you'll want to listen to last Saturday’s refresher course on Life Happens Radio!

Joining host Lou Pierro last weekend was Katherine Rosenblatt, geriatric care manager with EverHome Care Advisors, a program of Pierro, Connor & Associates. In this Back-to-School show, Lou and Katherine discussed how to find the right care for your loved ones while protecting their life savings. Strategies included:

  • Personalized care plans
  • Asset protection planning
  • Medicaid applications
  • Legal and financial solutions

Hosted by Lou Pierro, Esq. and Katherine Rosenblatt, LMSW

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Aug
26
11:00 AM11:00

Alzheimer's and Dementia: Meeting the Challenges

Past Show - 8.26.17

"Alzheimer's and Dementia: Meeting the Challenges"

8.26.17

Host Lou Pierro with guest Beth Boivin, Executive Director & CEO, Alzheimer's Association Northeastern New York Chapter

Chances are you know someone with Alzheimer’s Disease. One out of three adults have personal contact with a friend, relative or neighbor who is affected. So how can you best offer support through compassion, care giving or financial help?

On Saturday’s edition of Life Happens Radio, a special guest joined host Lou Pierro to share strategies on meeting those challenges with Alzheimer’s Disease and dementia. Beth Boivin, who leads the Northeastern New York Chapter of the Alzheimer’s Association, talked about the best ways to enhance care and support your loved one, as Lou detailed the latest legal tools to obtain quality healthcare without ‘spending down’ life savings. By combining these techniques, you can access options for housing, home care, Medicaid, guardianship and all the resources offered by the Alzheimer’s Association.

Lou and Beth also informed listeners on how to register for our upcoming free seminar, "Legal and Financial Strategies for Caregivers" on September 13 in Hudson. Its not to late to sign up! Click here to register.

 

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Aug
19
11:00 AM11:00

Amplify Your Estate Planning

8.19.17

Hosts Lou Pierro, Aaron Connor and Frank Hemming

This summer we have shared strategies to "simplify" and "fortify" your estate planning. On this episode of Life Happens Radio, we tackled the third and final show in this series. Attorneys Lou Pierro, Aaron Connor and Frank Hemming shared ways to help "amplify" your wealth. 

Using life insurance is one approach to help boost assets, or even replace your income.

Lou, Aaron and Frank also discussed ways to minimize taxes on IRA's. Examples of how to do this include Roth conversion, charitable planning and SRTs.

Listen to the podcast, and call our office if interested in scheduling a free consultation to discuss how to amplify your estate planning: (518) 459-2100.

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Aug
12
11:00 AM11:00

Risks and Consequences - Planning is No Game

Hosts Bob Vandy and Brian Johnson with Guest Host Harley Gordon

In the August 12 edition of Life Happens Radio, Brian Johnson and Bob Vandy shared some interesting insights into “being prepared” for the unexpected, and paying closer attention to the impact of certain life-altering events, rather than just the risk they may represent.

It sounds like a subtle distinction – and it is – but by focusing on the consequences of a premature death, or disabling or extended care event can often help us paint a clearer picture of why it is important to plan in advance for the unexpected. 

Bob and Brian were joined by Harley Gordon, an Elder Law Attorney and founder of the Corporation for Long Term Care Certification. 

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Aug
5
11:00 AM11:00

Fortify Your Estate Planning

Show on 8.5.17

Hosts Lou Pierro, Aaron Connor and David Staggs, Esq.

In this podcast edition of Life Happens Radio, we talked about "Fortifying" your estate plans. This includes asset protection for yourself, fiduciaries and beneficiaries. It was the second in our three part series, beginning with "Simplifying Your Estate Planning" on July 29.

On August 5th, hosts Lou Pierro, Aaron Connor and David Staggs described the key things you should know about fortifying your estate. This included the essentials on dealing with creditors, health care and divorce issues, as well as powers of attorney and executor/trustee considerations. And when it comes to your heirs, our elder law experts explained options to secure your financial future while preserving assets - responsibly.

Check out our pre-recorded show, to fortify your estate planning knowledge. Give us a call at our office with any questions - (518) 459-2100. And tune in August 19 for the final theme in this series: "Amplifying Your Estate Planning."
Thanks for listening to Life Happens Radio!

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Jul
29
11:00 AM11:00

Simplify Your Estate Planning

Life can be full of complexity, but estate planning doesn't have to be overly complicated or confusing. The key is in the approach and expert guidance.

 

On the July 29th edition of Life Happens Radio, elder law attorneys Lou Pierro and Nicole Hurley shared tools and techniques to SIMPLIFY your life, grow your wealth and protect your family.

In this podcast, you'll learn how to get your affairs in order while avoiding probate, coordinating assets, clearly identifying fiduciaries, and clarifying your wishes - regarding healthcare, beneficiaries and even final arrangements. 

Tune in every Saturday from 11am-12pm, when we'll take your calls live on WGY, by calling  1-800-TALK-WGY. 

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Jul
22
11:00 AM11:00

Staying Independent - Part II!

On this edition of Life Happens Radio, we continued our discussion on the importance of independence, and how to properly plan in your financial and legal life to PRESERVE that independence as we age. Hosts Bob Vandy and Brian Johnson zeroed in on the importance of proper insurance planning in making sure that we – and our loved ones – can remain independent in the event of an unforeseen event.  Would you like to know more about how the right insurance plans can ensure your (or your family’s) independence, freedom, choice and dignity if the unthinkable happens (e.g. a premature death, illness or injury preventing you form working, chronic, extended or “long-term” care event)?  If so, listen to this podcast and tune every Saturday from 11 AM to 12 Noon on WGY – 810 AM, 103.1 FM, or streaming live at wgy.com or via the iHeartRadio app.

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Jul
15
11:00 AM11:00

Medicaid Crisis Planning: There's Still Time

If you've lost sleep over how to pay for your family member's care needs - at home, an assisted living or nursing home - we understand. Most people can't afford to pay privately for long-term care and may believe they need to become impoverished in order to become eligible for government assistance to cover the bills.

Fortunately, we offer some solutions that could ease those concerns.

On the July 15th edition of Life Happens Radio, attorneys Aaron Connor and Frank Hemming laid out strategies for crisis planning using Medicaid. With a customized legal plan, your loved one won’t have to spend down his or her life savings, even if help is needed right away.

With options that include gifting, promissory notes, asset protection trusts and pooled trusts, you can qualify for Medicaid quickly and potentially preserve a portion of that nest egg.

Take a listen to the July 15 podcast when Aaron and Frank shared valuable advice, real-life stories and took questions from callers. 

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Jul
8
11:00 AM11:00

Protect Your Loved One with Special Needs

If you have a loved one with special needs, are you concerned about his or her future personal needs and financial security? Do you worry about meeting both your loved one's health and well-being…and your own? 

On this week's Life Happens Radio, host Lou Pierro is joined by guests from the Albany and Washington-Warren County ARC to offer answers and legal solutions to these questions.

Peter Guidarelli, an ARC Foundation Board Member, and Jennifer McCullough, former PR Director and ARC volunteer, will be describing how ARC helps special needs families, and the chance to learn more at two ARC Family Forums on July 25 and August 8, where Pierro, Connor & Associates will present options to address current and future needs for families that include an individual with disabilities. 

Tune in to Life Happens Radio on WGY, July 8 from 11am-12pm and call in to ask Lou, Peter and Jennifer your questions.

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Jul
1
11:00 AM11:00

Stay "Independent" in your Home and Finances

As we celebrate our Nation's independence over the 4th of July holiday weekend, it's also an opportune time to consider how to attain your personal independence. Have you taken solid steps to plan for your financial security? Will you be able to afford spending the Golden Years of retirement at home with quality healthcare? 

On the July 1st edition of Life Happens Radio, we presented a multi-faceted path to financial freedom through estate and long-term care planning. Attorneys Lou Pierro and David Staggs of Pierro, Connor & Associates, and Bob Vandy of New York Long-Term Care Brokers, shared state-of-the-art strategies, tools and techniques. They also talked about navigating family conflicts when 'fireworks' erupt over long-term planning. 

Check out the July 1 edition of Life Happens Radio for a combination of patriotism and planning -- that will set you on the path to Independence.

 

 

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Jun
24
11:00 AM11:00

Qualifying for Medicaid: Five Things You Should Know

Are you overwhelmed by the prospect of applying for Medicaid? Worried about filling out stacks of paperwork, ‘spending down’ your retirement accounts or having to move to a nursing home?  We understand, because the rules of this government-funded benefits program are complex and vary from state to state. 

But have no fear. On the June 24th episode of Life Happens Radio, attorneys Aaron Connor and Frank Hemming cued up FIVE essential facts and strategies to set you on the path to obtain Medicaid. They offered valuable advice about deadlines, the 5-year look back, and the truth about the costs to qualify for Medicaid – tips that have already helped thousands of our clients pay for long-term care.

Aaron and Frank also answered your questioned on the air, so take a listen to the June 24 Life Happens Radio show!

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Jun
17
11:00 AM11:00

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.

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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!

 

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May
27
to 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.

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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.

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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.

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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.

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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.

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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.

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