Filtering by: past show

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.

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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.

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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!

 
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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.

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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!
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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.

 

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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!

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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.

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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.

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Nov
19
12:30 PM12:30

"Stress Test Your Estate Plan" - Determining when and how you need to update your Estate Plan

Estate plans are living, breathing creations that need to be revisited as your life, values and laws change. Listen as Lou Pierro and Nicole Hurley discuss ways to assess whether you need to update your plan and once you have decided to update, how to determine what type of plan is teh best fit for you.

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Nov
12
12:30 PM12:30

“Planning for the Unexpected; What if I or a Loved one has a Long Term Care Event?”

November is Long Term Care Insurance Awareness Month and the Life Happens Radio team has some valuable information to share. Planning for an unforeseen Long-Term or extended care event continues to be the biggest threat to our retirement portfolios and planning.  At care costs of up to $150,000 - $200,000 annually, even a fairly short term (e.g. 1-2 years) can have a significant impact on our retirement security, and that of our spouse or other loved ones.  Often, we see situations where people have failed to plan ahead of time, and are left to far fewer options, and those options often compromise the control we desire over our care decisions.  The good news is that there ARE ways to plan in advance.  In fact, there are actually MORE options available to consumers now than ever before.  But, how do we sort through them?  In this session, Brian Johnson and Bob Vandy will share some great insights to help you sort things out.  They will look at actual case studies, the pros and cons of the various solutions, and help you make the most informed decisions about what’s best for you. 

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Oct
29
12:30 PM12:30

The Evolution of Your Estate Plan

As you go through life and experience changes in your family, health, location, career etc.; your Estate Planning needs will also evolve and change throughout the different stages in your life. In this ‘Life Happens’ radio show, Aaron Connor and David Staggs discuss the various stages of life and how and when different Estate Planning, including Long Term Care, actions should be applied. It is important to manage and maintain your plan throughout the years in order to ensure the strategy you’ve selected will continue to maximize your peace of mind and protect your legacy.

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Oct
15
12:30 PM12:30

“What will happen to our son or daughter when we are gone?”

Hello, World!

Thinking about your child’s financial future is frightening enough but adding in a child’s special needs can create additional concern. 

Parents often wonder who will care for the child and how the child’s needs will be met once they are no longer around. If you have a young or adult child with special needs, you might consider setting up a special needs trust to help support that person financially after you die. Leaving money directly to a person with special needs will likely keep that person from qualifying for government benefits. Leaving money to a special needs trust, allows you to improve the quality of life for your loved one, without jeopardizing eligibility for benefits. Tune in this Saturday as our hosts discuss the basics of setting up a Special Needs Trust.

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Oct
8
12:30 PM12:30

Everyone likes to give to charity in the most tax-efficient way possible but what does that mean?

Hello, World!

Everyone likes to give to charity in the most tax-efficient way possible but what does that mean – and how do you do it? This week's hosts will look at how to achieve Charitable Planning and Giving goals using life insurance and other various estate planning strategies.

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Sep
24
12:30 PM12:30

"I'm in good health, should I really be considering Medicaid planning now?"

Hello, World!

Even if you're in good health, now would be the prime time to do your Medicaid Planning. Medicaid Planning protects your family and your assets. This Saturday you will learn why it could be important to plan ahead, especially when it comes to gifts for your children and grand-children. The Life Happens hosts will discuss 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.

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Sep
17
12:30 PM12:30

Myths and Realities with Life Insurance

September is Life Insurance Awareness Month. How’s your “Life Insurance IQ?” If you are like most people - and you’re being honest - it’s probably pretty low. In this show, we’ll help you change that. We will help you build up your life insurance knowledge so you can make informed, educated decisions about your life insurance planning. Bob Vandy and Brian Johnson will cover:
- Some of the MYTHS about life insurance (does something become true just because people keep saying it?)
- Term insurance – is it for EVERYONE? Is it cheaper to buy it online or through an agent?
- Do I need life insurance in retirement?
- The LIVING benefits of life insurance (who knew!?)
- Using life insurance to offset the Long Term Care risk
- Why Life Insurance has been popular as an “asset class”
- Listener Q&A – we’ve had some great questions posed on our website and Facebook page; we’ll get to as many of those as we can
- And more…!

So, don’t miss this informative and PRACTICAL show, where Brian and Bob will give you the ammo you need to make the best choices for you and your loved ones!

Life Happens…Are You Prepared? You will be if you listen to this program!

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Sep
10
12:30 PM12:30

Top 10 Estate Planning Mistakes

Poor estate planning can cost you family, fortune and friends.  With the right advice, however, you can accomplish your goals and leave a legacy that preserves your wealth and provides individual solutions for each of your family members. In this show, hosts Kevin Horner and David Staggs discuss the 10 most common planning mistakes and their possible solutions, including planning goals, addressing 'non-estate' issues, tax planning and organization.

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Sep
3
12:00 PM12:00

Planning for College - How to choose and pay for the right school.

Dr. Dean Skarlis founded and serves as President of The College Advisor of New York which has counseled hundreds of high school students in their quest for the best education possible. Learn the inside scoop on issues such as:
1. Do all colleges offer merit scholarships?

2. How can families reduce the cost of college?

3. What’s the highest income you can earn and still receive financial aid?

4. What are the top 3 mistakes that families make in the college admissions process?

5. What are the top 3 factors colleges consider when evaluating applicants?

6. How should parents become involved in the college admissions process? To what extent should they be involved?
RESOURCES: http://collegeadvisorny.com/ and http://www.pierrolaw.com/

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Aug
27
12:00 PM12:00

Choosing Hope Over Fear: Preparing For Life After An Alzheimer’s Diagnosis

Facing the loss of one's ability to handle basic daily decisions can be devastating, and families struggle with the void left when Alzheimer's or other forms of dementia strike. What can you do about it? Join special guest Dr. Richard Holub, Neurologist and Alzheimer's researcher, and host Lou Pierro for a thorough, open and enlightening discussion on how to be prepared when the unthinkable happens, what treatments are available, what research has shown about a possible cure and the latest drug trials. Also learn what legal steps can be taken to prepare, and what to do if it catches you by surprise.

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Aug
13
12:00 PM12:00

Insurance Q&A with Brian and Bob

Many of you have asked questions – and you ask some great ones - via our Life Happens website or Facebook page, or by calling in to the show while on the air. We don’t always have time during the live shows to answer those questions. In this show, Brian Johnson and Bob Vandy will take some time to sift through and answer some of those insurance or risk management questions so many of you have asked but they haven’t had time to address on the air. They will also take live call in questions, so jot yours down today and have them ready for Saturday August 13 from 11AM to Noon. Life Happens – Are You Prepared? You will be if you listen in on August 13!

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Aug
6
12:00 PM12:00

Estate Planning 101

Whether you are preparing your first estate plan or looking at it for the first time in a while, this show is the perfect overview to help you identify your plan’s need and to help you achieve your goals.

This show covers the basics of estate planning such as Wills, Powers of Attorney, Trusts and other essential documents to help you create your first plan or to enhance existing plans.

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Jul
30
12:00 PM12:00

Avoiding The Courtroom

Dealing with the hardship of family disputes, a contested will, or claims of inheritance can be emotionally difficult, expensive and lead to months or even years of stress as the court determines who is rightfully entitled to the assets.

Life Happens, avoiding a deceedance courtroom will educate you in ways to avoid the costly, time consuming situations of Probate, along with the adversity of other common estate plan conflicts. This show will unveil simple steps and sound strategies that will help you avoid lengthy disputes over the distribution of an inheritance and contests over a probated will, guardianship or disability.

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Jul
23
12:00 PM12:00

One of the Best Kept Financial Planning Secrets There Is

Tune into Life Happens Radio on July 23rd to learn about one of the best kept financial secrets. It’s a secret so good the IRS probably doesn’t want you to know about it. What if there was a tool that allowed you to:
*Accumulate money on a tax deferred basis
*Take money out on a tax free basis
*Provide an “auto completion” feature that made sure your family’s goals are met if you are not there to complete them

Would you want to know more about it?

Probably so. Tune in to Life Happens Radio on Saturday July 23rd from 11:00 AM to Noon to learn more!

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Jul
16
12:00 PM12:00

Medicaid & You: The Details, Potential Delays & Decisions In Your Application

Obtaining your Medicaid benefits is not a quick and simple process. Eligibility is a complex road that must be navigated by expertise in order to avoid penalties, or the outright rejection of your benefits. To become eligible for Medicaid you will be required to provide the government with copious details that canvas the last five years of your life. If you are considering Medicaid, this will be an eye opening show for you.

You will learn how to avoid delays in your benefits, and how to steer clear of the potential disasters when filing for Medicaid on your own. This show will prepare you for challenges, and illustrate you how you can overcome obstacles in the application process, and educate you in the differences between Medicaid and Medicare. Listen now to find out how an Elder Law Attorney can help you simplify your Medicaid application process, minimize your frustrations and maximize your Medicaid benefits.

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Jul
9
12:00 PM12:00

Customized Concepts for Estate & Long-Term Care Planning

Do not become a victim of a one size fits all plan. You’re an individual; your goals for your assets and your needs for care are individualized as well, so why let a generic strategy guide your future? Designing a strategy that provides you with a customized combination of safeguards for your assets, provides a roadmap for care and peace of mind for the future is critical. Check out this show to learn about the opportunity you have to create a powerful, effective plan that allows you to provide for you and your loved ones exactly as you wish.

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Jul
2
12:00 PM12:00

Maintaining Your Independence

In honor of Independence Day host Lou Pierro and special guest Joe Jackson, joined forces as The Elder Law and Geriatric Care Militia that will free you from the tyranny of the health care system. This show 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. This week you can discover how to provide your family with sound legal planning that will protect and control your assets as the need for care becomes a necessity." Learn how to maintain your independence in 2016; tune in at 11am on Saturday, July 2!

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