< Previous200 |www.stlouistimes.comINSURANCE Comfort Long Term Care Phone: 314-821-5001 Fax: 314-821-5015 9986 Manchester Rd., Ste. 202, Glendale, MO 63122 Email: bill@comfortltc.com Website: www.ComfortLTC.com MISSOURI LISTINGSFor more information, visit CardioSmart.org/CADIf you would like to download or order additional posters on various topics, visit CardioSmart.org/Posters Information provided for educational purposes only. Please consult your health care provider regarding your specific health needs.CORONARY ARTERY DISEASEKNOW THE SIGNSWhat is CORONARY ARTERY DISEASE?CAD is a NARROWING OF THE CORONARY ARTERIES that supply blood and oxygen to the heart.It is THE MOST COMMON TYPE of heart disease.It KILLS 370,000+people annually.It can lead to CHEST PAIN, HEART ATTACK, HEART FAILURE & HEART RHYTHM problems.Nausea/vomitingEven heart attackChest painFatigueShortnessof breathDon’t smokeAdopt a heart-healthy eating planLifestyle changesExerciseregularlyManage stressGet to a healthybody weightKnow yournumbersHow to PREVENT itHow to TREAT itsuch as angioplasty or coronary bypass surgery Procedures/Surgeries Medications for high cholesterol, high blood pressureKeep your diabetes (if you have it) controlled©2016, American College of Cardiology. Z1638Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO, Bond IL, Clinton IL, Madison IL, Monroe IL, Randolph IL, St. Clair IL, Washington IL In Business Since: 1999 Description: Comfort Long Term Care is a brokerage insurance agency specializing in LTC insurance. We represent multiple companies with a full range of LTC insurance strategies. Contact us for a sales-free initial consultation. | 2012017 - SENIORS’ RESOURCE GUIDELEGAL, FINANCIAL and ESTATE PLANNINGIf you’re like most people, your daily life is focused on your immediate needs and those of your family. Legal preparedness attached to a pre-planned financial strategy can help the chances of your future arriving without any major surprises. But you don’t have to do it alone. With the aid of legal, financial and accounting assistance the many hurdles of planning a future can be faced and overcome, one step at a time.Questions & Answers When Looking For An Elder and Special Needs Law Attorney What is Elder Law? Legal issues that affect the elderly are growing in number. Our laws and regulations are becoming more complex, and each state has different laws. Actions taken by older people with regard to a single matter may have unintended legal effects. It is important for attorneys dealing with the elderly to have a broad understanding of the laws that may have an impact on a given situation, to avoid future problems. Elder Law encompasses many different fields of law. Some of these include:• Preservation/transfer of assets seeking to avoid s pousal impoverishment when one spouse enters a nursing home• Medicaid• Medicare claims and appeals• Social Security and disability claims and appeals• Supplemental and long term health insurance issues• Tax planning• Disability planning, including use of durable powers of attorney, living trusts, “living wills,” for financial management and health care decisions, and other means of delegating management and decision-making to another in case of incompetency or incapacity• Access to health care in a managed care environment• Conservatorships and guardianships• Estate planning, including planning for the manage-ment of one’s estate during life and its disposition on death through the use of trusts, wills and other planning documents• Probate and administration of estates• Administration and management of trusts• Long-term care placements in nursing home and life care communities• Nursing home issues including questions of patients’ rights and nursing home quality• Elder abuse and fraud recovery cases• Housing issues, including discrimination and home equity conversions• Age discrimination in employment• Retirement, including public and private retirement benefits, survivor benefits and pension benefits• Health law• Mental health law Most attorneys do not specialize in every one of these areas. So when an attorney says he/she practices Elder Law, find out which of these matters he/she handles. You will want to hire the attorney who regularly handles matters in the area of law of concern to your particular case and who will know enough about the other fields to question whether the action being tak-en might be affected by laws in any of the other areas of law. For example, if you are going to rewrite your will and your spouse is ill, the estate planner needs to know enough about Medicaid to know whether there are legal issues with regard to your spouse’s inheritance. Attorneys who primarily work with the elderly appreciate the complex financial and social decisions their clients face. El-Continued on page 202202 |www.stlouistimes.comder Law attorneys bring to their practice a knowledge of their clients that allows them and their staff to ignore the myths relat-ing to aging and the competence of the elderly. At the same time, they will take into account and empathize with some of the true physical and mental difficulties that often accompany the aging process. Their understanding of the afflictions of the aged al-lows them to determine more easily the difference between the physical versus the mental disability of a client. They are more aware of real-life problems, health and otherwise, that tend to crop up as persons age. They are tied into a formal or informal system of social workers, geriatric care managers, psychologists, and other elder care professionals who may be of assistance to you. All these things will hopefully make you more comfortable when dealing with them and ease your way as you try to resolve your legal issues.Finding An Elder Law Attorney Your first question may be: How do I find an Elder Law attor-ney? Before making the effort, step back a moment and try to determine whether you actually have a legal problem in which an attorney needs to be involved. If you’re not sure, ask your clergy, your social worker, your financial advisor, or a trusted friend to help you decide whether this is a legal issue rather than a medical or a social services issue. Legal expertise is expensive and it serves you well to know that you actually need legal assis-tance before seeking an attorney. There are many places to find an attorney in your city or state who specializes in problems of the elderly. Check with lo-cal agencies to obtain good quality local referrals. Some of the groups you may want to contact include:• Alzheimer’s Association• American Association of Retired Persons• Area Agency (or Council) on Aging• Children of Aging Parents• Health Insurance Association of American• National Academy of Elder Law Attorneys• National Citizen’s Coalition for Nursing Home Reform• Older Women’s League• Social Security Office• State Civil Liberties Union• State or Local Bar Association• Support Groups for specific diseases• Hospital or Nursing Home Social Services Department If you know any attorneys ask them for a referral to an Elder Law attorney. An attorney is in a good position to know who handles such issues and whether that person is a good attorney. Such persons are often the best and safest sources of referrals.Take the time to interview prospective attorneys. Not every attorney is right for each client. The attorney/client relations must be built on mutual trust and understanding. Ask questions about fees and services.Ask Questions First Ask lots of questions before selecting an Elder Law attorney. You don’t want to end up in the office of an attorney who can’t help you. Start with the initial phone call. It is not unusual to speak only to a secretary, receptionist, or office manager during an initial call or before actually meeting with the attorney. If so, ask this person your questions.• How long has the attorney been in practice?• Does his/her practice emphasize a particular area of law• How long has he/she been in this field?• What percentage of his/her practice is devoted to Elder Law?• Is there a fee for the first consultation, and if so how much is it?• Given the nature of your problem, what information should you bring with you to the initial consultation?Questions and AnswersContinued from page 201Continued on page 203LEGAL, FINANCIAL and ESTATE PLANNING | 2032017 - SENIORS’ RESOURCE GUIDEQuestions and AnswersContinued from page 202 The answers to your questions will assist you in determin-ing whether that particular attorney has those qualifications important to you for a successful attorney/client relationship. If you have a specific legal issue that requires immediate attention, be sure to inform the office of this during the initial telephone conversation.Once You Have Found an Elder Law Attorney When you have found an appropriate attorney, make an ap-pointment to see him/her. During the initial consultation, you will be asked to give the attorney an overview of the reason you are seeking assistance, so be sure to organize and bring all the information pertinent to your situation. After you have explained your situation, ask:• What will it take to resolve it?• Are there any alternate courses of action?• What are the advantages and disadvantages of each possibility?• How many attorneys are in the office?• Who will handle your case?• Has that attorney handled matters of this kind in the past?• If a trial may be involved, does he/she do trial work? If not, who does the trial work? If so how many trials has he/she handled?• Is that attorney a member of the local bar association, is health advocacy committee or trust and estates committee?• How are fees computed?• What is his/her estimate of the cost to resolve your problem and how long will it take?Discussing Fees There are many different ways of charging fees and each at-torney will choose to work differently. Be aware of how your attorney charges. You will also want to know how often he/she bills. Some attorneys bill weekly, some bill monthly, some bill upon completion of work. Ask about these matters at the initial conference, so there will be no surprises. If you don’t under-stand, ask again. If you need clarification, say so. It is very im-portant that you feel comfortable in this area. Some attorneys charge by the hour with different hourly rates for work performed by attorneys, paralegals, and secretaries. If this is the case, find out what the rates are. Other attorneys charge a flat fee for all or part of the services. This is not un-usual, for example, if you are having documents prepared. Your attorney might use a combination of these billing methods. In addition to fees, most attorneys will charge you out-of-pocket expenses. Out-of-pocket expenses typically include charges for copies, postage, messenger fees, court fees, depo-sition fees, long distance telephone calls, and other such costs. Find out if there will be any other incidental costs. The attorney may ask for a retainer. This is money paid before the attorney starts working on your case. It is usually placed in a trust account and each time the attorney bills you, he/she pays himself or herself out of that account. Expenses may be paid directly from the trust account. The size of the retainer may range from a small percentage of the estimated cost to the full amount. In many cases, the total fee will be higher than the retainer.Get It In Writing Once you decide to hire the attorney, ask that your arrange-ment be put in writing. The writing can be a letter or a formal contract. It should spell out what services the attorney will per-form for you and what the fee and expense arrangement will be. Remember — even if your agreement remains oral and is not put in writing, you have made a contract and are responsible for all charges for work done by the attorney and his/her staff.Make It A Good Experience A positive and open relationship between an attorney and a client benefits everyone. The key to getting it is communication. The communication starts with asking the kinds of questions contained in this brochure. Use the answers to the questions as a guide not only to the attorney’s qualification, but also as a way of determining whether you can comfortably work with this person. If your concerns are given short shrift, if you don’t like the answers to the questions, if you don’t like the attorney’s reaction to being asked all those questions, or if you simply do not feel relaxed with this particular person, do not hire that person. Only if you are satisfied with the attorney you have hired from the very start will you trust him or her to do the best job for you. Only if you have established a relationship of open communication will you be able to resolve any difficulties which may arise between the two of you. If you take the time to make sure that you are happy right at the beginning you can make this a productive experience for both you and the attor-ney. You will thank yourself, and your attorney will thank you. This information is provided as a public service and is not intended as legal advice. Such advice should be obtained from a qualified Elder and Special Needs Law attorney.Reprinted from the National Academy of Elder Law Attorney’s, Inc.SRGLEGAL, FINANCIAL and ESTATE PLANNING204 |www.stlouistimes.comLEGAL, FINANCIAL and ESTATE PLANNINGEstate Planning Many Americans have estate plans in place — but unfortu-nately, many are incomplete and the most important subjects aren’t even addressed. Your estate plan should include:• A will. A will provides instructions for distributing assets to your family and other beneficiaries. You will also appoint someone to be an executor to pay final expenses, taxes, etc. and then distribute the remaining assets. If you have minor children, a will is also a way to designate a guardian for them. A will doesn’t take effect until you die and it cannot provide for management of your assets if you become in-capacitated. That’s why it is necessary to have other estate planning documents in place which become effective if you should be unable to act.• A durable power of attorney designating who will handle your business affairs and health-care decisions if you are disabled or unable to act. A power of attorney is a legal document in which you name another person to act on your behalf. You can give this person/agent broad or limited powers. You should choose this person carefully because he or she will be able to sell, invest and spend or distribute your assets. A tradi-tional power of attorney terminates upon your disability or death. A durable power of attorney continues during inca-pacity and terminates upon your death.• A power of attorney for health care (living will). A health-care power of attorney authorizes the person you designate to make medical decisions for you in the event you are unable to do so yourself. This document, coupled with a living will are necessary to avoid family conflicts and even court intervention should you become unable to make your own health care decisions. A living will provides your wishes regarding the use of life-sustaining measures in the event of a terminal illness. It says what you want done and what you don’t want done but doesn’t give any individual the legal authority to speak for you. That is why it is usually coupled with a health-care power of attorney.• A revocable living trust to transfer, manage and distrib-ute assets while you are alive and that will avoid probate after your death. There are many different kinds of trusts, which are usu-ally put in place to minimize estate taxes. Each trust has benefits and should be discussed with your attorney. There are marital trusts, charitable trusts, generation-skipping trusts, bypass trusts, testamentary trusts, qualified termi-nable interest property trusts, and so on. A revocable living trust is a trust often used in estate plans. By transferring assets into a revocable living trust, you can manage your financial affairs during your lifetime and provide management if you become incapacitated. A revocable living trust lets trust assets avoid probate, keeps personal information private, and can designate the dispo-sition of trust assets to future generations.• A form where you can list all your assets and where they are located.• A do not resuscitate, or DNR, medical order written by a doctor. It instructs health-care providers not to do cardiopul-monary resuscitation (CPR) if a patient’s breathing stops or if the patient’s heart stops beating. Some feel this is an important document while others don’t. • A legacy letter. This is a document designed to pass “ethical values” from one generation to the next. Traditional wills involve what you want your loved ones to have. Ethical wills involve what you want your loved ones to know. • A discussion with your attorney involving whom you want to inherit various assets. • A decision as to whom you want making medical deci-sions if you are unable to act yourself. • A list of how you want your assets distributed. Have this discussion with your attorney and/or spouse or appropriate family member, trustee, etc.• A decision as to whether you want to name a guardian for your minor children, if any. • A discussion with your accountant/CPA and attorney as to the tax consequences of your estate plan.• Check your digital footprints. Most people aren’t aware of the full extent of their digital presence and a review of the steps necessary to protect online information after your death or if you are no longer able to act is warranted.• Letters to your spouse/family. Consider writing a letter to your spouse or family regarding your wishes should you need to be removed from life support. This letter will make their doing so a great deal easier if you reiterate that this is your wish with a personal, not formal, request.Reprinted from Marketwatch.comSRG | 2052017 - SENIORS’ RESOURCE GUIDELEGAL, FINANCIAL and ESTATE PLANNINGWes Coulson, CELA * Managing Attorney Over 35 years of experience Licensed in Missouri and Illinois Illinois Office 774 Sunset Blvd. Suite 200 O’Fallon, IL 62269 618-632-7000 Missouri Office 2200 Westport Plaza Dr. Suite 221 St. Louis, MO 63146 314-567-9292 “Your Trusted Advisor on the Elder Care Journey” * Certified Elder Law Attorney by the National Elder Law Foundation. Neither the Supreme Court nor the Bar of Missouri or Illinois reviews or approves certifying organizations or specialist designations. The choice of a lawyer is an important decision and should not be based solely upon advertisements. www.coulsonelderlaw.com We’re dedicated to assisting the elderly, persons with special needs, Veterans, their caregivers and their families. We pride ourselves in our ability to develop individual life care, estate, and asset preservation plans that best address our clients’ needs in a caring and practical way. Call us today for your FREE telephone consultation. Medicaid Planning Alzheimer’s Planning Estate Planning Special Needs Planning Asset Preservation Planning Veterans Benefits Planning Life Care Planning MISSOURI LISTINGSACSIA Partners LLC Phone: 314-803-7003 4345 Kingbolt Blvd., St. Louis, MO 63129 Email: jreinker@charter.net Website: lifetimerts.com Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO, Bond IL, Clinton IL, Madison IL, Monroe IL, Randolph IL, St. Clair IL, Washington IL In Business Since: 1979 Description: Long Term Care Planning Specialist - Providing comprehensive funding options to help protect retirement savings and burden on families. We provide a (no cost no obligation) consultation to help people make better informed decisions. NAELA Member? No Other Accreditations: AALTCI, CLTCAmen, Gantner & Capriano - Attorneys at Law, Your Estate Matters, L.L.C. Phone: 314-966-8077 Fax: 314-966-5906 10805 Sunset Office Drive, Suite 100, St. Louis, MO 63127 Email: webmaster@yourestatematters.com Website: www.yourestatematters.com Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO, Bond IL, Clinton IL, Madison IL, Monroe IL, Randolph IL, St. Clair IL, Washington IL In Business Since: 2011 Description: Amen, Gantner & Capriano, Your Estate Matters, L.L.C. is an estate planning law firm based in St. Louis, Missouri whose mission is to help families secure their legacies by embracing each client as a member of our law firm family through long-term, personal advisory relationships. Schedule a consultation to learn important information to make an informed decision about your family’s future. NAELA Member? Yes Other Accreditations: American Academy of Estate Planning Attorneys, Estate Planning Council of St. Louis“The very best thing you can do for the whole world is to make the most of yourself.”- Wallace Wattles“Your time is limited, so don’t waste it living someone else’s life.“ - Steve Jobs206 |www.stlouistimes.comAXIUS Financial Phone: 636-493-9600 2085 Bluestone Dr., St. Charles, MO 63303 Email: steve.stillman@axiusfinancial.com Website: www.axiusfinancial.com Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO, Bond IL, Clinton IL, Madison IL, Monroe IL, Randolph IL, St. Clair IL, Washington IL In Business Since: 2000 Description: AXIUS Financial is an independent full service financial advisory firm serving the greater metropolitan area as well as some out of state clients. Steve Stillman uses proven techniques to help families facing long term care crisis and need strategies to help cover unexpected medical costs and to protect family assets. Steve helps you explore and potentially obtain government assistance such as veterans. NAELA Member? No Other Accreditations: Active member: Financial Planning Association, Senior Services Task Force, Breakthrough CoalitionBeck Estate Planning & Elder Law, LLC. Phone: 636-946-7899 Fax: 636-946-2118 2777 West Clay, St. Charles, MO 63301 Email: vdurney@beckelderlaw.com Website: www.beckelderlaw.com Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO In Business Since: 1977 Description: At Beck Estate Planning & Elder Law, LLC our focus is providing peace of mind to seniors & their families by developing a long-term care plan to maximize independence, maintain quality of life & identify resources to pay for care. We offer a free, one hour no obligation, consultation that provides options so families can make informed decisions. Putting the pieces together, providing peace of mind. NAELA Member? Yes Other Accreditations: The Bar Association of Metropolitan St. Louis, The Missouri Bar Association, NAELA, AATEELA, VAGACoulson Elder Law Phone: 314-567-9292 / 618-632-7000 Fax: 618-632-7333 2200 Westport Plaza Dr., Suite 221, St. Louis, MO 63146 Email: info@coulsonelderlaw.com Website: www.coulsonelderlaw.com Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO, Bond IL, Clinton IL, Madison IL, Monroe IL, Randolph IL, St. Clair IL, Washington IL In Business Since: 2001 Description: We’re dedicated to assisting the elderly, persons with special needs, veterans, their caregivers and their families. We pride ourselves in our ability to develop individual life care, estate, and asset preservation plans that best address our clients’ needs in a caring and practical way. NAELA Member? Yes Other Accreditations: Certified Elder Law Attorney, VA AccreditedCounty Older Resident Programs, CORP Phone: 314-615-4516 Fax: 314-615-7619 9666 Olive Blvd., Suite 510, St. Louis, MO 63132 Email: sschafers@stlouisco.com Website: www.co.st-louis.mo.us/dhs/CORP.html Counties Served: St. Louis MO In Business Since: 1975 Description: The County Older Resident Programs, CORP offers free non-litigation services for St. Louis County residents ages 60 and older with income of $34,000 or less. Assistance is provided one day each month at various St. Louis County locations. CORP volunteer attorneys offer consultation regarding wills, powers of attorney, deeds and other matters not involving litigations. NAELA Member? NoDebra K. Schuster & Associates Phone: 314-991-2602 Fax: 314-991-8009 1120 Olivette Executive Prkwy., Suite 220, St. Louis, MO 63132 Email: dks@dschuster.comWebsite: www.dschuster.com Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO Steven StillmanFinancial Advisor steve.stillman@axiusfinancial.comCrisis Long-Term Care • Estate Preservation Retirement Income • Wealth ManagementHelping FamiliesProduce, Protect and Pass On Wealth!2085 Bluestone Drive, St. Charles, MO 63303636.493.9600 www.axiusfinancial.comRegistered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and AXIUS, are not affiliated. Insurance Services provided as an Independent Agent.LEGAL, FINANCIAL and ESTATE PLANNING | 2072017 - SENIORS’ RESOURCE GUIDEIn Business Since: 2002 Description: Our mission is to provide the best possible advice and support for our client’s individual circumstances in a timely and comprehensive manner. Our first priority is to get to know our client’s needs and what their greatest concerns and values are. We make house calls: It can be difficult for some of our client’s to travel to our office so we often meet with them wherever they need us to go. NAELA Member? Yes Other Accreditations: Life Care Planning Law Firm Assn, MO Assn of Attorney Mediators. See our website for a full listingEdward Jones / Jeff Ponte Phone: 314-469-1696 Fax: 888-731-8230 14278 Ladue Rd., Chesterfield , MO 63017 Email: jeffrey.ponte@edwardjones.com Website: www.edwardjones.com Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO In Business Since: 1922 Description: You may think all investment firms are the same. However, Edward Jones has made a conscious decision to serve you, the individual investor, differently. It’s more than lip service. See for yourself how this approach can help make a difference for you and your family. Call Jeff Ponte today to learn more. NAELA Member? No Other Accreditations: Series 07-General Securities Series 66-Combined State Law Exam Elder and Estate Planning Law Firm Phone: 314-918-0088 Fax: 877-580-5204 8780 Big Bend Blvd., Suite G, St. Louis, MO 63119 Email: mark@stlelderlaw.com Website: www.stlelderlaw.com Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO In Business Since: 2002 Description: Providing solutions to achieve the highest quality senior living possible. Experienced in: Estate planning, powers of attorney, wills, trusts, veterans benefits, Medicaid planning, long-term care planning, and probate. NAELA Member? Yes Other Accreditations: Accredited Attorney with the Department of Veterans AffairsMARTHA C. BROWN & ASSOCIATES , LLCELDER LAW ATTORNEYS Martha C. Brown, CELA* Alicia A. AlbusNikki Mitchell 220 W. Lockwood, Suite 203St. Louis, MO 63119314-962-0186314-962-1298 FAX Website: www.elderlawstlouis.com Serving seniors and their families in the areas ofElder Law, Medicaid and Long-Term Care Planning,Estate Planning, Life Care Planning, Fiduciary Litigation/AdvocacyGuardianship/Conservatorship Estates, Probate/Trust Administration, Tort Settlement Assistance, Veterans Benefits and Estate Planning for the Disabled including Special Needs TrustsCertified Elder Law Attorney* as certified by the National Elder Law Foundation*Neither the Supreme Court of MO nor the Missouri Bar reviews or approves certifications, organizations or specialist designations.The choice of a lawyer is an important decision and should not be based solely upon advertisements. FontsLogo VariationsColorsTrajan Pro BoldABCDEFGHIJKLMNOPQRSTUVWXYZ1234567890!@#$%^&*()CMYK: 52, 44, 44, 8RGB: 127, 127, 126HEX: 111820Pantone: Cool Gray 9 CCMYK: 100, 100, 34, 29RGB: 36, 32, 87HEX: 242057Pantone: 274 CColor StandardBlack & White StandardReversed v1Reversed v2Quinn Estate & Elder Law, LLC Logo Style Guide Solid planning always leads to a better future. Choosing the right person to assist in estate planning and in navigating the complex issues related to health and elder care is crucial. Quinn Estate and Elder Law, LLC is the right choice. Founded by Gregory F. Quinn and Paul E. Ground in 1975 and now led by Brian G. Quinn, this Manchester-based law firm is dedicated to helping people – whether that means avoiding the devastating costs of a long-term care crisis or achieving peace of mind with estate plans that meet each individual’s needs. Brian and his team are experienced in all aspects of elder law and Brian has personally assisted in successfully securing hundreds of claims for government benefits, including Veterans Pension and Medicaid claims, on behalf of his clients. Learn more by calling Quinn Estate and Elder Law, LLC today.14611 Manchester Road | Manchester | 636.394.7242Brian G. Quinn, Attorney At LawWWW.QUINNESTATELAW.COMLEGAL, FINANCIAL and ESTATE PLANNING208 |www.stlouistimes.comElderCareAdvisors Phone: 636-395-0877 Fax: 636-441-8780 14611 Manchester Road, Manchester, MO 63011 Email: deirdre@eldercareadvisors.org Website: www.QuinnEstateLaw.com Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO In Business Since: 2013 Description: Advising families on legal and financial solutions for seniors. We educate families on long term care options including veteran’s benefits and Medicaid planning. We connect families to our member professionals, elder law attorneys and financial specialists with free consultations. NAELA Member? NoLaw Office of Christine A. Gilsinan, CELA Phone: 314-962-0760 Fax: 314-962-8699 34 North Gore Avenue, Suite 103 Webster Groves, MO 63119-2343 Email: hpaulik@solaw.com Website: www.seniorlegalservices.com Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO In Business Since: 1976 Description: Estate planning, trusts, special needs trusts, probate, retirement asset planning, beneficiary designations, elder law, Medicare and Medicaid. NAELA Member? Yes Other Accreditations: CELA - Certified Elder Law Attorney by the National Elder Law FoundationLaw Office of Julie A. Berkowitz, CELA Phone: 314-725-9696 Fax: 314-725-0066 500 N. Skinker Blvd., St. Louis, MO 63130 Email: julie@elderlawstl.com Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO In Business Since: 1998 Description: Ms. Berkowitz is certified as an elder law attorney by the National Elder Law Foundation. She focuses her practice on Elder Law issues which include, Medicaid eligibility, estate planning, special needs trusts for disabled individuals, probate, durable powers of attorney, guardianships and conservatorships. NAELA Member? Yes Other Accreditations: CELA, Certified Elder Law Attorney by the National Elder Law FoundationLegacy Appraisals Phone: 314-412-6098 7522 Big Bend Blvd., St. Louis, MO 63119 Email: maria@legacy-appraisals.com Website: www.legacy-appraisals.com Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO, Bond IL, Clinton IL, Madison IL, Monroe IL, Randolph IL, St. Clair IL, Washington IL In Business Since: 1998 Description: Certified appraisals for fine jewelry, fine art, antiques, personal property, estate, trust, probate, insurance, charitable donation. USPAP certified. NAELA Member? No Other Accreditations: International Society of Appraisers, AM, National Assoc of Jewelry Appraisers, USPAP, CAGALegacy Appraisals Phone: 314-412-6098 7915 Big Bend Blvd., St. Louis, MO 63119 Email: maria@legacy-apprasials.com Website: www.legacy-appraisals.com Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO, Bond IL, Clinton IL, Madison IL, Monroe IL, Randolph IL, St. Clair IL, Washington IL In Business Since: 2013 Description: Personal property, fine art, estate jewelry, appraisals and liquidation. NAELA Member? Yes Other Accreditations: International Society of Appraisers, Appraisers Association of America, NAJALegal Services of Eastern Missouri Phone: 314-534-4200 Fax: 314-534-1425 4232 Forest Park Ave., St. Louis, MO 63108 Email: info@lsem.org Website: www.lsem.org Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO In Business Since: 1956 Description: Provides free legal services to 60+ individuals who are socially and economically disadvantaged, in accord with the Older Americans Act. St. Louis Area Agency on Aging and Mid-East Area Agency on Aging contract with Legal Services of Eastern Missouri to deliver legal assistance to this population. NAELA Member? NoLiberty Home Equity Solutions Phone: 314-952-9600 5988 Mid Rivers Mall Dr., Suite 214, St. Peters, MO 63304 Email: wade.brooks@libertyhomeequity.com Counties Served: Franklin MO, Jefferson MO, St. Charles MO, St. Louis MO, St. Louis City MO In Business Since: 2004 Description: Liberty Home Equity Solutions is a top-volume nationwide reverse mortgage lender with a local field office to serve the St. Louis, MO area clients. We offer same or next day in home appointments. NAELA Member? No Other Accreditations: National Reverse Mortgage Lenders AssociationLEGAL, FINANCIAL and ESTATE PLANNINGThe Elder & Disability Advocacy Firm of Christine A. Alsop, LLCOUR PRACTICE AREAS:Client Advocacy | Fiduciary Litigation | Estate Planning (Durable Powers of Attorney, Wills, Trusts, etc.)Special Needs Trusts | Guardianships & Conservatorships | Probate & Trust AdministrationLong-Term Care Planning | Asset Preservation Tactics | Government Benefits EligibilityMedicaid Planning | Veterans Benefits | Lien Resolution | Medicare Set-Aside Arrangements (MSAs)Connect with us on social media, visit our website and subscribe to our blog for valuable resources, event/seminar information, more client testimonials, company announcements and more!Call our office today to schedule an initial consultation with Attorney Christine Alsop or Attorney Thomas McCarthy:(314) 644-32006654 Chippewa Street, St. Louis, MO 63109www.AlsopElderLaw.comThe choice of a lawyer should not be based solely on advertising.Client Testimonials• “You all were caring, loving people who treated us as family.”• “Loved the educational approach. We felt respected and a part of the process. We haven’t had any experiences with a law firm like this before.”• “We believe that in addition to providing competent, professional advice that all members of your team sincerely cared about our family’s welfare and individual concerns and circumstances.” • “Your firm presented information clearly. I felt that you truly had the best interests of my mother in mind.”• “Everyone at your firm was compassionate, caring, professional and efficient. Communication was clear and prompt. Honestly speaking, I would have never been able to get through my parents’ affairs without your help. I thank you so very much!”In the maze of confusion, there IS a solution. Present this ad for a 10% discountNext >