Aug
12
11:00am11:00am

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. 

View Event →
Aug
5
11:00am11:00am

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!

View Event →
Jul
29
11:00am11:00am

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. 

View Event →
Jul
22
11:00am11:00am

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.

View Event →
Jul
15
11:00am11:00am

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. 

View Event →
Jul
8
11:00am11:00am

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.

View Event →
Jul
1
11:00am11:00am

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.

 

 

View Event →
Jun
24
11:00am11:00am

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!

View Event →
Jun
17
11:00am11:00am

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.

View Event →
Jun
10
11:00am11:00am

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!

 

View Event →
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.

View Event →
May
20
11:00am11:00am

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.

View Event →
May
13
11:00am11:00am

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.

View Event →
May
6
11:00am11:00am

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.

View Event →
Apr
29
11:00am11:00am

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.

View Event →
Apr
22
11:00am11:00am

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.

View Event →
Apr
8
11:00am11:00am

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!

View Event →
Apr
1
11:00am11:00am

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.

View Event →
Mar
18
11:00am11:00am

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.

View Event →
Mar
11
11:00am11:00am

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.

View Event →
Mar
4
11:00am11:00am

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.

View Event →
Feb
25
11:00am11:00am

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.

View Event →
Feb
18
11:00am11:00am

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.

View Event →
Feb
11
11:00am11:00am

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!”

 

View Event →
Jan
28
11:00am11:00am

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.

View Event →
Jan
21
11:00am11:00am

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.

View Event →