Estate and Asset Protection

Are your hard-earned savings secure?

You’ve worked hard for your money and the last thing you want is to lose a dime unnecessarily. But there are many pitfalls and uncertainties that can put your savings at risk. 


The rate of bankruptcy among people over the age of 65 is among the fastest growing demographic, and the numbers are increasing each year at an alarming rate. 

There are many problematical factors to consider and genuine cause for concern.


  • If my health fails, do I have the security and protection I need?
  • Will I have a child, grandchild or other family member in need of support?
  • Am I vulnerable to theft or lawsuits?
  • Could an unintentional beneficiary benefit from my estate?


Thankfully, with thoughtful consideration and careful planning, you can significantly reduce your risk of loss and unintended consequences. 


Working with a qualified professional is essential to navigating these perils.

Long-Term Care

The most devastating and common financial crisis that retirees experience is the impact of long-term medical costs not covered by Medicare. The costs can vary significantly depending upon individual needs and the necessity for home care, assisted living or nursing care.


  • What options exist to provide long-term care protection? 
  • Is it affordable?
  • Can I afford not to have it?
  • Can I access the death benefit while I’m still living?
  • Is my current insurance coverage adequate?

At Waterstone Financial, we help you understand your options and establish the proper coverage for your needs.

Estate Planning

Properly establishing the transfer-of-assets in your estate will reap dividends when the time comes for your beneficiaries to inherit your estate.


  • Could I lose my life savings to taxes or lawyers?
  • Is my out-of-state paperwork adequate?
  • Will my estate transfer to my loved ones as I intended, or could it be misappropriated?
  • Do I need a legal will, health care proxy, durable power-of-attorney or possibly a trust?


Ensure that your assets pass on according to your express wishes. Every situation is unique, so we encourage you to contact us to speak with an experienced professional about your specific needs.

Asset Protection

There are so many unexpected events and potential hazards that can endanger your wealth. 


A simple accident involving personal injury could result in a lawsuit and have a devastating impact on your assets and financial plan.


Begin planning by requesting an analysis of your financial goals, assets and potential risks.

Create a legal barrier between creditors and your wealth using business and estate planning tools.


Work with a team of specialists dedicated to the protection of everything you’ve worked so hard for. 


Don’t leave your legacy to chance.

Consulting professionals with the experience to build a robust plan is well worth the cost to ensure adequate protection and maximize wealth transfer. Contact us today to schedule a consultation.

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