Protect Your Family’s Future: How Estate Planning and Medicaid Planning Work Together
When it comes to protecting your family’s future, smart planning makes all the difference—whether it’s navigating the complexities of Medicaid or ensuring your estate plan is rock solid. Both of these processes are about safeguarding what matters most to you, and when done right, they provide peace of mind that your family will be cared for no matter what life throws your way.
Saving a Home During Medicaid Planning
Take the Martins, for example. They came to me terrified. Linda’s husband, Tom, had just been admitted to a nursing home, and Medicaid felt like their only option to afford the $10,000-per-month bill. Linda was convinced they’d lose their home in the process. “We worked our whole lives for that house,” she said. “I can’t lose it now.”
Here’s the thing: Medicaid planning is full of myths, and one of the biggest is that you’ll lose your home if you apply. In Florida, for instance, your primary residence is often exempt, as long as it meets certain criteria. The Martins didn’t know this—and they’re not alone. Most people get overwhelmed trying to decipher the rules and end up making costly mistakes, like selling assets they didn’t need to sell. That’s where the right guidance makes all the difference. 
We started by confirming that their home met Medicaid’s criteria, including the equity limit. Then we protected their other assets, like a retirement account and a small savings fund, by repositioning some of their funds into a Medicaid-compliant annuity. This ensured Tom’s care was covered without forcing Linda to sell their home or drain their savings.
This case, like so many others, reminded me that Medicaid planning isn’t about gaming the system. It’s about working within the rules to protect the things you’ve worked so hard to build.
Estate Planning: It’s Smarter (and Funnier) Than You Think
Similarly, estate planning often feels overwhelming—but it doesn’t have to. Let’s be honest: most people think estate planning is only for the super-rich or super-old. (Spoiler alert: it’s for everyone.) Whether you’re leaving behind a mansion or just your favorite coffee mug, you need a plan.
I’ll never forget Josh, one of my clients who came in convinced estate planning wasn’t for him. “Andrew,” he said, “I’ve got nothing to leave behind except student loans.” (Cue the laugh track.) But after we talked, he realized estate planning isn’t just about money—it’s about making decisions now so your loved ones aren’t left guessing later.
And here’s the kicker: we’ve made it easier than ever to keep your estate plan updated with our new Estate in One Place program. It’s like having your estate plan on autopilot—but without the scary robots. Current clients get their first year free, and new clients who book a consultation before January 31st will also snag the first year on us. That’s $695 you can put back in your pocket—or spend on something way less exciting, like new tires.
Protect What Matters Most
Whether you’re safeguarding your home through Medicaid planning or making decisions for your family’s future with an estate plan, the smartest thing you can do this year is to act. Don’t let fear or confusion stop you from protecting what you’ve worked so hard to build.
If you’re ready to take the next step, Request a consultation today. Let’s secure your family’s future—and who knows, you might even laugh a little along the way.