A retirement transition can mean a new way of working, a new kind of lifestyle, even a new address. When you find yourself moving from one phase of life to the next, professional advice and comprehensive estate planning will help you to protect and preserve what's important in your life. John Zarcaro is committed to helping you protect the people and values you cherish.
He's an estate planning attorney who can help you leave a lasting legacy for your children and grandchildren. Tour this site to learn about the value John provides for couples and families who want to leave enduring legacies. He's an elder law attorney who can help you protect your home and other assets from being consumed by long-term care costs.
John knows that being your attorney requires more than just technical proficiency. He also takes the time to provide you with personal attention and service. John takes the time to understand your priorities, and then create solutions to fit your needs. His client-centered approach inspires trust and confidence - you know he's looking out for you and your family.
He's an estate planning attorney who can help you leave a lasting legacy for your children and grandchildren. Tour this site to learn about the value John provides for couples and families who want to leave enduring legacies. He's an elder law attorney who can help you protect your home and other assets from being consumed by long-term care costs.
John knows that being your attorney requires more than just technical proficiency. He also takes the time to provide you with personal attention and service. John takes the time to understand your priorities, and then create solutions to fit your needs. His client-centered approach inspires trust and confidence - you know he's looking out for you and your family.
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Comprehensive estate planning covers nearly every aspect of life.
It begins with protecting yourself and your personal dignity, and extends to protecting your loved ones and your hard-earned assets.
Elder law is another aspect of estate planning, focusing primarily on the needs of families and individuals as they age.
Issues of aging include senior housing and home care, long-term (or nursing home) care, guardianships and health care documents, Medicare and Medi-Cal (California Medicaid).
Learn more about our Elder Law services.
It begins with protecting yourself and your personal dignity, and extends to protecting your loved ones and your hard-earned assets.
Elder law is another aspect of estate planning, focusing primarily on the needs of families and individuals as they age.
Issues of aging include senior housing and home care, long-term (or nursing home) care, guardianships and health care documents, Medicare and Medi-Cal (California Medicaid).
Learn more about our Elder Law services.
Elder law is another aspect of estate planning, focusing primarily on the needs of families and individuals as they age.
Issues of aging include senior housing and home care, long-term (or nursing home) care, guardianships and health care documents, Medicare and Medi-Cal (California Medicaid).
As our population ages, more and more of us confront elder law-related issues, whether for ourselves or our parents.
One of the most pressing issues is long-term nursing home care, which usually is not covered by traditional health insurance.
Issues of aging include senior housing and home care, long-term (or nursing home) care, guardianships and health care documents, Medicare and Medi-Cal (California Medicaid).
As our population ages, more and more of us confront elder law-related issues, whether for ourselves or our parents.
One of the most pressing issues is long-term nursing home care, which usually is not covered by traditional health insurance.
One of the goals behind Medi-Cal estate planning is to protect your countable or non-exempt assets (assets other than your home) from being consumed by long-term care costs.
Keep in mind that nursing care can exceed $200,000 a year and most people who suffer a catastrophic illness or disability are forced to apply for Medi-Cal.
In 2017 the applicable law in California is still the Medicare Catastrophic Coverage Act (MCCA) of 1988.
Under MCCA, there are certain planning techniques that we can use to avoid a spend-down of your money and other countable assets and help you to qualify for Medi-Cal without triggering a period of ineligibility for Medi-Cal benefits.
Keep in mind that nursing care can exceed $200,000 a year and most people who suffer a catastrophic illness or disability are forced to apply for Medi-Cal.
In 2017 the applicable law in California is still the Medicare Catastrophic Coverage Act (MCCA) of 1988.
Under MCCA, there are certain planning techniques that we can use to avoid a spend-down of your money and other countable assets and help you to qualify for Medi-Cal without triggering a period of ineligibility for Medi-Cal benefits.
The primary goals of Estate Planning are to avoid probate, protect assets and save death taxes.
A Family Trust will typically be used by married couples to accomplish these goals.
When the deceased spouse's interest in the estate exceeds the estate tax exemption, the excess passes to a Marital Deduction Trust for the benefit of the surviving spouse.
There are no death taxes on the death of the first spouse and significant death tax savings can be realized at the surviving spouse's death.
A Family Trust should also provide for the creation of an Inheritance Protection Trust for each of the children (or other beneficiaries) on the surviving spouse's death.
A Family Trust will typically be used by married couples to accomplish these goals.
When the deceased spouse's interest in the estate exceeds the estate tax exemption, the excess passes to a Marital Deduction Trust for the benefit of the surviving spouse.
There are no death taxes on the death of the first spouse and significant death tax savings can be realized at the surviving spouse's death.
A Family Trust should also provide for the creation of an Inheritance Protection Trust for each of the children (or other beneficiaries) on the surviving spouse's death.
Irrevocable Trusts play a significant role in long-term care estate planning.
In California we use Irrevocable Trusts to protect countable or non-exempt assets from being spent down on nursing home care.
We also use Irrevocable Trusts in conjunction with a Family Limited Liability Company or together with a Family Limited Partnership in order to protect assets and save death taxes.
An Irrevocable Life Insurance Trust (ILIT) is oftentimes used in conjunction with a Family Trust.
In a properly structured ILIT, the insurance proceeds are received tax free on the surviving spouse's death.
In California we use Irrevocable Trusts to protect countable or non-exempt assets from being spent down on nursing home care.
We also use Irrevocable Trusts in conjunction with a Family Limited Liability Company or together with a Family Limited Partnership in order to protect assets and save death taxes.
An Irrevocable Life Insurance Trust (ILIT) is oftentimes used in conjunction with a Family Trust.
In a properly structured ILIT, the insurance proceeds are received tax free on the surviving spouse's death.
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