Seminar: Planning for Chronic Illness – Estate, Tax and Financial

Disclaimer: This flyer may constitute attorney advertising.
Neither this flyer, the seminar or materials to be provided constitute, and
should not be treated as, legal, tax, or investment advice. They do not
constitute recommendations of any particular planning technique, device or
suggestion, or the tax or other consequences associated with them. The
sponsors, authors and/or speakers do not assume any responsibility for your
reliance on the information presented. You should determine independently the
legal, tax and other consequences of using any particular device, technique or
suggestion before relying on it.

Planning Considerations for Chronic
Illness:

Frank, practical and vital advice that will be
invaluable to the family and caregivers of those living with chronic illness –
and their advisors

·How chronic illness changes planning:
How different illness (Parkinson’s, Alzheimer’s, ALS (Lou Gehrig’s),
Huntington’s, Crohn’s, Myasthenia Gravis, Multiple Sclerosis) impact on the
decision-making process. Estate planning is about much more than merely assets
or taxes. This comprehensive seminar for advisers and those living with a
chronic disease or disability conveys many of the answers to the frustrations
and fears chronic illness brings, as well as concerns of their family, loved
ones and caregivers.

·Estate planning: How to modify powers
of attorney, health proxies, HIPAA releases and language, provisions to include
in trusts and other documents concerning communications, independent
evaluations, special distributions, etc. Using revocable trusts.Beneficiary
designations. Title to assets.

·Cash Flow planning: Distributions
from 401(k) and IRA accounts, home equity lines, borrowing from 401(k) plans
and the 10% penalty waiver.

·Income Tax Considerations:
Modification of your home, special tax treatment of 401(k) plans, reasonable
cause, discrimination settlements.

·Financial Planning:
Investment strategies, guaranteed income options, non-insurance investment
programs with beneficiary protection. Access to safe deposit boxes.

·Disability and Overhead Insurance:
Processing claims, tax and accounting issues.

·Life Insurance:
Accelerated death benefits, borrowing against cash values, different types of
cash value policies, 3 years transfer rule on insurance given to a trust,
viatical settlements.

·Cognitive Issues: Impact of cognitive
impairment and competency, what must be done from a planning perspective, and
how soon. Security codes.

·Professional Advisers: What CPAs,
Attorneys, Financial Planners, and other advisors need to know how to
understand and accommodate the needs of clients living with chronic
illness.

·Legal Documents: Helpful documents
and planning ideas such as an “authorization to communicate” enabling advisers
to reach out on behalf of a client with a chronic illness to wealth managers,
financial planners, insurance agents, CPAs, trust officers, and others.
Shareholder, buyout and other agreements.

Can’t Attend: Audio recording of the
entire seminar will be posted on www.shenkmaneducation.com in the Seminar
Materials” section.

Exhibit Booths: Organizations serving
those with chronic illness will be available to answer questions and to
distribute materials for:

• Professional advisers on planned giving opportunities and working with
  clients with chronic illness.
• For those living with chronic illness and their caregivers.

• National Multiple Sclerosis Society
• Michael J. Fox Foundation for Parkinson’s Research
• NYU Langone Medical Center
• Demos Medical Publishing
• More to be announced