The Elements of Our Service
Richard J. Pelletier, J.D., provides a powerful strategy for Sheltering Investors from Risk.
We protect our clients from risk with proven, measured strategies for limiting drawdown. We offer solutions that give you confidence that you are truly protected on the downside while also participating in the upside.
When Long-Term Care insurance is NOT available, or is approaching its limits for coverage, to respond to unexpected long term care needs for Home Care, Assisted Living Facility, and/or admission to a Nursing Home the crisis is magnified by a lack of prior planning to coordinate many existing out dated or inadequate legal documents with current assets with very changing Mass Health/ Medicaid rules for eligibility.
Prior planning can preserve significant assets for the spouse and family under current rules, but only if the assets have been Pre-Positioned, and legal documents have been custom designed to interact with specific assets in a manner focused on retention of assets, asset preservation, and navigating eligibility rules and challenges.
With the ever increasing cost of Medicare premiums, a deduction each month from your Social Security check, negative outflows from the Social Security Fund in 2029, the peak year for Baby Bummers then eligible to start Social Security Benefits, Unfunded Pension Liability of both Private and especially Public Sector Pensions, any of these could severely diminish your planned retirement monthly income?
Small changes now, years ahead of what will be almost a certain reduction in payment benefits, can position our clients to better survive what could be Draconian modification to their "safety net."