Speaker
Michael Guerrero

Session Details

Blending Public & Private: Financial Strategies for Sustainable In-Home Long-Term Care

Health Care & Home Care

Date: Saturday, August 23, 2025
Time: 3:45 pm

This session will explore the intersection of public and private financial strategies in creating sustainable in-home long-term care plans. Designed for aging professionals and financial advisors, attendees will learn how to blend Medicaid benefits with private resources such as insurance products and personal savings, ensuring clients receive high-quality care while preserving assets. Special attention will be given to tax-efficient insurance solutions, including hybrid life insurance policies, annuities, and Medicaid-compliant annuities, to minimize tax liabilities and maximize financial outcomes.

Participants will also gain insights into Medicaid programs that support in-home care, spend-down strategies to qualify for Medicaid, and the role of Certified Senior Advisors (CSAs) in guiding families through complex financial decisions. Through real-life case studies and actionable strategies, attendees will leave equipped with practical tools to design personalized, sustainable care plans that align with clients’ financial goals and long-term needs.

Learning Objectives:

1. Understand how to blend Medicaid benefits with private resources to create comprehensive, sustainable long-term care plans that meet both financial and care goals.
2. Learn strategies for utilizing tax-efficient insurance products, such as hybrid life insurance policies and Medicaid-compliant annuities, to optimize financial outcomes and minimize tax liabilities.
3. Gain practical insights into collaborating with other professionals (e.g., CSAs, financial planners, care managers, and elder law attorneys) to ensure compliance, address changing care needs, and build adaptable long-term care plans.