Comprehensive Retirement, Financial, and Insurance Solutions

Our retirement planning services are designed to provide financial security for your loved ones. With tailored plans and expert guidance from a Certified Elder Law Attorney and National Social Security Advisor, you can ensure peace of mind knowing your family is protected in connection with life’s predictable events.
• Long-term Care Analysis – As you can see from the Retirement Plan puzzle to the right, most retirement planners ignore the fact that 70% of the U.S. population will need long-term care for years prior to death, so most so-called “retirement plans” leave long-term care insurance blurry and out of the equation, while also leaving Medicaid out of your plan completely because they don’t understand the incredible benefits of intentionally leveraging long-term care insurance and long-term care Medicaid benefits as part of a good Retirement Plan. We do Retirement Planning right, giving both long-term care insurance and long-term care Medicaid the due place they deserve!
• Roth Conversion Analysis – evaluating whether and when to convert pre-tax retirement funds to a Roth IRA to optimize lifetime and generational tax outcomes.
• Qualified Plan and IRA Liquidation and Asset-Protection Funding Analysis – evaluating whether to liquidate qualified retirement plans (such as 401(k), 403(b), and 457(b) plans) and/or traditional IRAs, pay the associated income tax, and contribute the after-tax proceeds to an irrevocable asset protection trust for Medicaid asset protection, Veterans asset protection, lawsuit asset protection, and estate-transfer purposes.
• Social Security Claiming Optimization – evaluating the best time to claim Social Security Benefits, whether on your employment record or your spouse’s record.
• Important Note – Neither Lifecare Financial Services nor any of its affiliates, including Evan Farr, provide any specific securities recommendations, portfolio-management services, or discretionary trading authority over client accounts, nor do they implement any investment transactions.