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Mary called with the following story.  Mom had sold her home in New Jersey 8 years ago.  The plan was for Mom to live with Mary in New York.  However, her health deteriorated rapidly and she never moved in with Mary, instead living in an assisted living facility in New

Readers of my blog know that I have written often of the need to plan ahead because nobody, especially the government, is going to bail you out.  The last round of changes to the Medicaid program were made more than 5 years ago and have had a dire impact on

Tying up legal loose ends is so important.   Mary and John had been divorced 15 years ago.  They had split their assets, with John keeping his retirement account and Mary keeping the house.  John now needs nursing home care.  “It shouldn’t be a problem”, I told Mary.  “He’ll need to