This presentation provides an overview of the road map needed to avoid the land mines and traps related to Medicaid. Proper planning is needed to preserve a legacy, cover final expenses and still be eligible for all available Medicaid benefits.

1. Protecting Wealth in Retirement Tipping the Scales in Your Favor Medicaid and What You Need to Know to Be Prepared Presented by Steven Stanganelli, MSF, CRPC, CFP ® CERTIFIED FINANCIAL PLANNER ™ Professional

2. Steven Stanganelli, CRPC®, CFP® CERTIFIED FINANCIAL PLANNER ™ Professional CHARTERED RETIREMENT PLANNING COUNSELOR (SM) Steve Stanganelli, MSF, CRPC, CFP ® Steve Stanganelli, a financial advisor since 1999, is a board-certified financial planning professional who has been awarded a five-star quality rating by Paladin Registry, an independent advisor rating service. Steve’s fee-only financial planning practice focuses on providing practical advice to help clients make smarter financial decisions to preserve and protect wealth. Steve holds the certification of CERTIFIED FINANCIAL PLANNER ™ and CHARTERED RETIREMENT PLANNING COUNSELOR designation. Steve earned his Master of Science degree in Finance (MSF) from Bentley College with high distinction and a BA with honors from the University of Massachusetts – Lowell. Practical Solutions for Everyday Life Call: 978-388-0020 Or 978-621-8268 Or Steve@focus-capital.com For More Information: www.paladinregistry.com Steve Stanganelli, MSF, CRPC, CFP (Call 978-388-0020 for more information)

21. Transfers that Work A Funeral/Final Expense Trust A specific purpose insurance product that is irrevocable, un-assignable and readily available to pay the actual costs of a person’s final funeral, cremation and related expenses. Proceeds from such a trust are portable and usable anywhere. In addition, assets assigned to the trust are protected from creditors and are compliant with Medicaid, SSI and VA benefits. Steve Stanganelli, MSF, CRPC, CFP (Call 978-388-0020 for more information)

23. How the Funeral Trust Works Funeral Trust Funeral and Service Providers Excess Funds paid to Estate or Residual Beneficiary Pre-Planning Funds Up to $12,500 * Guaranteed Issue Life Insurance Policy * Pre-Planning Funds can come from savings, 1035 Exchanges or investments and can create a trust or trusts with a cumulative value of $12,500 (or $25,000 in MA) Policy Assigned to Death Benefit GROWS – Tax Free! Submit claims and invoices Funds avoid probate and delays; Funeral expenses covered immediately Claims Paid Next Day Steve Stanganelli, MSF, CRPC, CFP (Call 978-388-0020 for more information)

24. Comparing Methods of Pre-Funding * Consult with an elder law attorney to see if this product will work with your specific needs and circumstances. Steve Stanganelli, MSF, CRPC, CFP (Call 978-388-0020 for more information) Benefits paid directly to any Funeral Home Protected from Probate Protected from Lawsuits & Creditors Protected from Income Taxes Protected from Medicaid Spend Down Savings NO NO NO NO NO Annuity NO YES Depends on State NO NO Traditional Life Insurance NO YES Depends on State YES NO Funeral Trust thru Specific Life Insurers YES YES YES YES * YES

25. What You Need to Know for Medicaid Benefits Asset Preservation Educating Professionals and the Public on Estate Planning Medicade eligibility rules Vary Significantly From State to State, You Must Seek Expert Counsel In your Jurisdiction