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Preserve wealth.

You’ve worked hard to build up your nest egg in a bank account, 401k, or other investment. Wherever your money is saved, it’s important to hold on to as much of it as you can.

Unfortunately, many have seen their life savings dwindle due to Medicaid spend down and medical expenses or excessive taxation and penalties from the IRS. In many cases, this could have been avoided by planning ahead.

Collier Financial has helped our clients protect millions of dollars using time-tested financial tools and strategies. Our experience in applying those methods, combined with a tireless commitment to putting the client’s needs first, is what has made us so successful in protecting our clients’ assets year after year.

Medicare Advantage Plans

If you are 65 or older, you probably realize you are eligible for Medicare. But you may not realize there are other ways to get it than just through the traditional “Original Medicare.”

Medicare Advantage plans, or “Part C,” offer one-stop shopping for your health care needs. They cover everything offered under Medicare, but also typically offer extra coverage, such as prescription drug plans. In fact, a Medicare Advantage plan could combine your health care services (including hospital and medical insurance) and prescription drug coverage for a $0 premium (as long as you continue to pay your Part B premium). Medicare Advantage plans can also cover the cost of hearing aids, routine physicals, mammograms and colonoscopies, dental and vision care – even gym memberships!

Call Collier Financial today to see what Medicare Advantage plan works best for you. And if you’re nearing age 65, make sure to call us soon – you need to sign up for Medicare three months before you turn 65, whether you plan to start receiving retirement benefits or not!

Nursing Home & Convalescent Care

As we and our loved ones age, there are times when a change is needed to help address certain needs.

At times, this is a complete change of environment, into a nursing home. For others, it could mean help from a healthcare professional in the home. Either way, there is no getting around the fact nursing home and convalescent care is expensive. In fact, according to the United States Department of Health and Human Services, the average cost for a semi-private room in a nursing home is $205 per day, or $6,235 per month. The average cost for care in a one-bedroom assisted living facility is $3,293 per month, while the cost of a home health aide averages $21 per hour. And these amounts just continue to rise.

With those figures, it’s not surprising a lifetime of savings can be depleted quickly. Add to that the fact that the government in its National Nursing Home Survey reveals the average length of stay in a nursing home is 835 days, and you may wonder how you could ever afford such care.

This is an area where it really pays to talk to someone who can give you advice on this subject. There are ways to plan for expected – or even unexpected – needs. And if you or your loved one are already using this type of care, there may be opportunities to still save with strategies we can lay out for you.

Veterans’ Benefits Planning

You served your country. Now we want to make sure you get everything that service entitles you to receive.

There are hundreds of thousands of veterans in Indiana alone who may not realize they qualify for certain benefits. This could go a long way toward ensuring you receive the best care possible in the years to come, and it’s a way for the government to say “thank you” for a job well done. Contact us at Collier Financial so that you can learn more about entitlements you can take advantage of.

Health Insurance

Health insurance has been on the minds of a lot of people lately as a result of the Affordable Care Act. No matter what your feelings are on the law, there is no doubt it’s complicated.

At Collier Financial, we can answer a lot of questions, navigate you through the paperwork, and get you signed up for health care. If you choose to sign up with a government plan, we’ll make sure you get a subsidy if you qualify. And if you elect to go with a non-government sponsored plan, we’ll confirm it fits all the requirements under the ACA.

Health insurance shouldn’t be confusing. It should give you peace of mind. That’s what Collier Financial wants to give you.