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Tax-Qualified or Non-Qualified… What does that mean exactly?

Tax-Qualified annuities are used in connection with tax-advantaged retirement plans, such as defined benefit pension plans, Section 403(b) retirement plans (TSAs), or IRAs. Premiums for qualified annuities are generally paid with pretax dollars, as are any investments...

Medicaid Compliant Annuity Planning with Qualified Accounts/IRAs

Funding a Medicaid Compliant Annuity (MCA) with a tax-qualified or IRA account can help your clients minimize tax consequences by spreading out the taxable income over several tax years as opposed to simply liquidating the account and paying all of the taxes in one...

Name on the Check Rule and In Marriage QDRO

What attendees said about the most recent WealthMerge Webinar… “Wow, Wow, Wow! Thank you for a great seminar.” -Attorney Harriet R. (actual email after webinar) We are pleased to have received so many emails and calls after our webinar, “Qualified Accounts, Name on...

The Significant Change in Veterans Pension Program

It seems that the major benefit programs go through significant changes periodically.  The big Medicaid “adjust” happened in 2006. The big VA change happened October 18, 2018.  We as VA accredited attorneys had been told a change was coming for nearly two years but...

Let the Dust Settle – VA Aid and Attendance Rule Changes

WealthMerge has analyzed the 136 page rule changes along with many bar associations, elder law organizations and VA “specialist” – like the DRA when new, many are quite alarmed for a number of reasons.  Below is a list of hot-topic changes: 3 year look back...

Another Success!

Today we helped an attorney who (because of the client’s assets) would not have been able to do a MAPT unless we were able to deal with the IRA. The result, we were able to get the client 50 months of LTC using his IRA monies and the other non-qualified assets...