Krause Financial Services

Once upon a time in a land far, far away, Dale Krause worked with insurance companies to create the product he needed.

With annuities being one of the most popular investment vehicles available, it shouldn't be a surprise when a client drops off a mountain of financial documentation and you happen to find an annuity policy or two.

The California Department of Health Care Services ("DHCS") recently released drafts of the proposed Deficit Reduction Act of 2005 ("DRA") asset eligibility regulation package, including the proposed treatment of annuities under the new legislation.

In some states an IRA is an exempt resource for the community spouse, or even both the community spouse and his or her institutionalized counterpart. For the states where the IRA is a countable resource, where does that leave it in your crisis..

Annuities are investment vehicles that have been around for ages. Most people have at the very least a basic understanding of what annuities are. However, due to the detailed nature of Medicaid Compliant Annuities it can be...

The Pension Protection Act of 2006 ("PPA") brought favorable tax changes for long-term care insurance funding beginning January 1, 2010.

How to include financial advisors in the planning process is a topic I frequently see discussed on various elder law listservs. The problem at hand is that many elder law attorneys have, or seek to have relationships with advisers..

On March 26, 2008, Leroy and Glenda Morris requested that a resource assessment be conducted for Medicaid eligibility purposes.

In the recent case of The Florida Bar v. Doherty, a Florida elder law attorney was disbarred by the Florida Supreme Court for attempting to sell an annuity to an elderly client without notifying the client key information.

The primary advantage of purchasing a partnership long-term care insurance policy is that if the insured exhausts all of his or her available coverage.