The Raw Truth: Long-Term Care Payment CRISIS

Safe, socially-distanced free seminar provides lunch and information to protect assets and qualify for long-term care benefits

Seven in 10 retirees need some form of assisted living. That’s shocking, but even more extreme than that is this: A retired married couple’s chances of one spouse needing some form of assisted living or nursing home care is 91%!

My name is Daniel Stidham and I founded Stidham Financial Services Inc. with a very specific goal in mind. We work with Independent Attorneys to help people position their assets so that they can qualify for all state and federal benefits to cover nearly all of their long-term care bills.

Plus, if possible, we help to arrange an income they can never outlive while protecting their principal from market downturns for their spouse or children.

The benefits are literally sitting there, but due to lack of a solid, safe, and secure plan, many people are simply denied. They end up having to pay 100% of the cost of their own long term care out of their pocket.

This quite literally forces all their money to go to this huge cost – as much as $6,570 per month – and takes it out of the hands of a spouse or children.

The false sense of security

So many people I meet think they have done their planning and that they are set. Then, it’s discovered that someone along the way has recommended they get a revocable trust so that their estate avoids Probate.

In the opinion of the attorneys we work with, in Arkansas, a revocable trust is not necessary to avoid probate. Here is what that means. If either the husband or wife dies and both names are on the deed, the house automatically avoids probate. If the IRA or 401k has the spouse as the beneficiary, that avoids probate. If spouse dies and the checking and savings accounts have the spouses name on it, then those avoid probate. And the vehicles avoid probate in Arkansas by simply taking the death certificate to the DMV and it is transferred easily, avoiding probate.

So, in the end what did the revocable trust do? Nothing.

But it actually gets worse. When faced with entering an assisted living or nursing home facility, the facility will ask if you have a trust and according to the attorneys we work with, you will have to say yes. You must answer this way because you are likely the grantor and/or trustee of your revocable trust. Because this is true, the facility will simply tell you to open up that trust and begin paying for your care using that money.

There is a better way. We have developed a way to literally protect up to 100% of your assets. We can do this in a way that allows you to answer “no” when asked if you own a trust. Then, you will meet the criteria for the federal and state benefits that can cover all of your long-term care costs. Except for a very small out of pocket expense based on income not assets.

Plus, depending on your service to this great country, you may qualify for up to $2,230 per month tax free for life.

In the end, I have built Stidham Financial Services to protect you and your family from the huge amount of rules and regulations that very often penalize and deny people benefits. We help you get what you deserve so that you can protect and pass on what you have worked so hard for.

The right professional

In my opinion, it’s sad. Many people go through their entire lives not knowing there are very safe, proven, and shockingly simply steps cant protection against losing money, but they never ask the right questions. They rely on the wrong specialist. If you unfortunately had a brain injury, you would seek a neurologist, not a general M.D. The same is true when it comes to financial strategies.

They may have had the same financial "advisor" for the past 20 years and are afraid to change.

But, you must consider change. That advisor was the absolute right choice during your “accumulation phase” of your life, but now that you are retired, a completely different set of asset protection strategies must be used. And, in our experience, there are no other professionals that know how to get the kind of results we do for our clients.

Our exclusive seminars make you aware of the options you have so you can avoid being taken advantage of by a system that feels like it’s rigged against you. We give you the power and control to protect yourself, family, and lifestyle.

Free lunch

Many professionals in this port” or some other type of giveaway. I’m not going to do that. Instead, I’m simply going to invite you to the free lunch seminar that we are presenting in cooperation with a local independent attorney.

It’s free. There is no selling of any kind. No specific products or solutions will be mentioned. I do not allow it. We will simply be providing a very current, live-presentation on the current state of retirement and estate planning.

Then, at the conclusion of the seminar, if you’ve heard information that sounds good to you and you want to know more about exactly what it would mean for you and your family, you’ll have the chance to sign up for a oneon-one meeting at our offices. Keep in mind that even at that meeting, we will not ask for any personal information. No account numbers, no social security numbers, nothing like that. We will simply ask general questions to determine what solutions might be the best fit for your situation.

You are under no obligation at all. We simply feel very strongly that this is information that MUST be shared.

In the end, we have saved millions for our clients.

Now, you’re invited to our seminar to discover what this means for you and your family.