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Many families don't feel like they have an "estate" to protect or are convinced by google or Aunt Sherry's neighbor or worse, some social worker or nursing home that there's nothing you can do but give it away or spend it all. The truth is the law exists to protect you from becoming indigent, and they update them quarterly.


Medicaid and Veterans benefits are not just for the indigent. There are laws and rules regarding exemptions and deductions that you need to know about in order to claim them. These rules are to protect the middle class from becoming indigent.


The Ard Law Firm, PLLC focuses on assisting families like yours preserve as many assets as the law allows to ensure you have to freedom to choose your caregivers, care facility and care providers.

Asset protection planning involves making prudent decisions today to protect yourself, your family and your hard-earned assets from loss due to lawsuits, creditors, bankruptcies or medical crises. The type of legal planning we focus on is especially prudent for the middle class, whose personal assets could be at risk due the nature of their crisis.

While no one believes lightning will strike them, wealth created through a lifetime of work, saving and investing can be lost overnight if these forms of "lightning" do strike. To protect your assets from such disaster, proper risk management strategies should be given careful consideration.


These strategies include exempting your assets from the claims of creditors, limiting your liability through legal entities such as trusts, and transferring your risk through insurance.


One such vehicle is the Asset Protection Trust. You can use for Veterans or Medicaid eligibility. In some instances you can choose to continue being the trustee, opt to keep the income off the trust, even have the opportunity in later planning to change the beneficiaries.


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