Welcome to APS

Did you know:

• You don’t have to be poor or broke to qualify for Medicaid.
• Roughly 1/3 of all seniors can qualify for up to $1,949 a month in Veteran’s benefits
• You may keep a significant amount , if not all, of your money & property
• Improperly structured plans can cause ineligibility
• LTC insurance can protects tens of thousands of dollars in assets
• Gifts made within 5 years can cause ineligibility

You can’t afford to make mistakes or wait another day.

We provide the most comprehensive planning and legal options of how to utilize Medicaid compliant annuities, long term care insurance, single premium life insurance, funeral trusts and burial plans so you can qualify for Medicaid and Veteran’s benefits, while retaining and preserving the largest allowable amount of your money and assets. You've worked a lifetime earning and acquiring your assets and belongings; let us help you keep what you are entitled to.

APS has earned a reputation as one of the leading planning companies in the nation when it comes to Medicaid compliant annuities, Veteran’s benefits, long term care insurance, single premium life insurance, funeral trusts and burial plans. Our goal is simple.

In addition to having earned our status as an innovator in these planning areas and a provider of best-in-class service, we have assumed a leadership role in delivering the necessary tools for elder law attorneys and financial professionals to successfully participate in the Medicaid planning industry. Several legal publications, leading financial resources and books rely upon and contain charts, tables and statistics compiled yearly by Cheryl L. Fletcher, APS’s founder.

If you are dealing with having to exhaust your savings, assets and income to pay for home health care, assisting living or nursing home costs we can help. If you are a veteran or spouse of a veteran in need of additional benefits to cover medical costs we can help. If you are in need of a Medicaid Compliant Annuity we can help. If you are in need of Long Term Care Insurance we can help. If you are in need of Single Premium Whole Life Insurance we can help. If you are in need of a Funeral Trust or Burial Plan we can help.

Our free, in-depth analysis of your situation, expenses, assets and income will allow us to provide you with a Planning Letter. Our Planning Letter will outline your options, which if acted upon may qualify you for Medicaid or Veteran’s benefits while allowing you to keep more of your cash, savings, assets and income. This will lessen your financial and emotional burden. There is no charge for our Planning Letter, which not only provides you peace of mind, but bona fide advice as well.

Don't be misled by rumors or erroneous information about Medicaid or Veteran’s benefits qualification, long term care and single premium life insurance or funeral trusts and burial plans. Information you may have heard from a friend, relative, via internet or a media outlet may be simply untrue, inapplicable to your situation or outdated.

The only way to know for sure whether YOU will qualify, is to have a thorough review of your situation. This is what we do.

Don't assume that your current level of cash, savings, investments, assets or income disqualifies you for receiving Medicaid or Veteran’s benefits.

We only utilize legal and ethical strategies for preserving what you spent a lifetime creating. Medicaid compliant annuities, long term care insurance, single premium life insurance, funeral trusts and burial plans are but a few of the strategies available. You can’t afford to make mistakes or wait. Each day could be costing you hundreds of dollars.

You can benefit from our expertise, knowledge, products, resources and compassion. Contact us; you can’t afford not to.