As we begin our New Year, now is a great time to make sure you have your estate planning and long-term care planning affairs in order. The following are the nine things everyone must know: 1) The 3 Phases of Life There are 3 phases of life, and each phase requires different kind of planning. First are the Maturing Years. Second are the Senior Years. And finally, are the Post-Death Years. 2) How Health Care Reform Affects You In 2014, Medicaid will be opened to all people that do not have health insurance and whose income is up to 133 …
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