Techniques to Protect Your Assets & Income

Learn These Perfectly Legal Strategies to Protect Your Assets and Income From the Devastating Costs of Long Term Care

Protecting your assets and income against devastating long-term care costs is not only legal, it’s ethical.

The United States Supreme Court reinforced this principal when it ruled that each of us has;

“the legal right to decrease the amount of his or her taxes, or altogether avoid them, by means which the law permits, cannot be doubted.”

Federal and state law allows you to legally and ethically protect your assets and income.  But doing so requires planning in advance and a thorough understanding of the laws that protect you and have been successfully used in the past and are being used in the present.  But make no mistake about it; Medicaid laws change often.  In fact, asset and income protection strategies that were rejected by the state several years ago are today permitted and vice versa.  You’ll need guidance to get you through it. We can help.

What is a Look Back Period and How Does it Apply to New Jersey Eligibility?

The strategies we use at Hanlon Niemann & Wright address the permissible spend down of savings and resources, the prepayment of eligible expenses and converting countable assets to non-countable assets, like single premium “no cash value” annuities, etc.   We look to convert non-exempt assets into streams of income that can be made available to a community spouse, disabled child, relative and even the applicant himself or herself. It’s completely legal and can be very effective.

We also utilize leverage and borrowing techniques and personal service contracts to maximize the resources available to individuals.

Finally, and with enough pre-planning, one can employ gifting strategies to family members and/or irrevocable trusts which can achieve Medicaid eligibility before or after the 5 year look-back period.

Since a person’s home is often their most valuable asset, we can even employ strategies to protect your home as well.  The home occupies a unique position in Medicaid planning. When dealing with the home, the goal is one of protecting it from estate recovery following the death of the owner who may be a nursing home resident/Medicaid recipient.

Fredrick P. Niemann Esq.

Is it worth it to explore protecting  your income and assets?  I think so.  Call me today and let’s go over your family’s present and future long-term health care needs.  I’ll give you many ideas and things to think about to make an informed decision.

Don’t be tomorrow’s family who says, “I wish I had come to see you “X” years ago; we could have avoided or at least minimized the economic loss we are about to face.”

I look forward to meeting with you soon.

Call me toll-free at (855) 376-5291 or

email me at



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