Nursing home care can cost more than a mortgage, a college tuition payment, and a car note combined. And it can continue month after month. Andy sits down with Maggie Sutton, a Certified Elder Law Attorney, to make Medicaid planning feel less like folklore and more like a set of rules you can actually work with. If you have ever wondered whether you “make too much” to qualify, or why families still run out of money even with solid retirement income, we lay out the math behind long-term care and Medicaid in plain language.

We dig into the two buckets that drive Medicaid eligibility: income and assets. Maggie explains the current income cap concept (including the $2,982 figure) and when a Qualified Income Trust, also known as a Miller Trust, can help someone qualify even with higher monthly income. Then we shift to asset limits, countable versus exempt assets, what happens for single applicants versus married couples, and why details like the house, vehicles, and retirement accounts in payout status can change the outcome.

From there, we get into the big gotchas: the five-year lookback and the penalty period triggered by gifts or transfers, plus the part many families miss entirely - Medicaid estate recovery after death.

We also walk through practical tools used in real plans, including spousal strategies around home ownership and a Medicaid compliant annuity example designed to protect the spouse while meeting the rules.

Subscribe for more planning conversations, share this with someone caring for aging parents, and leave a review if it helped. What Medicaid rule do you want us to explain next?

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.

It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.

Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Politics can feel like the only thing moving the stock market, especially in a midterm election year. But when we step back and look at the data, a clearer pattern shows up: markets don’t “hate” one party, they hate uncertainty. With Andy, Jake and Jessica, we talk through why volatility often rises as Election Day approaches, why that turbulence can peak before the vote, and why a relief rally after the results isn’t as surprising as it sounds.

We also dig into the four-year presidential cycle and the counterintuitive lesson it teaches. The midterm year is often the roughest stretch, particularly early on, which tempts people to sit on the sidelines. The problem is that the strongest window frequently follows right after, and trying to dodge the dip can mean missing the rebound.

From there, we tackle the question everyone asks at some point: does the stock market do better under Democrats or Republicans? We share the long-run return comparisons, explain why the gap is smaller than most people expect, and discuss why divided government has historically been a tailwind for markets. To make it real, we compare 2026 to recent midterm years like 2018 and 2022, including how Federal Reserve rate policy, inflation, and geopolitical risks can overwhelm the usual election-year script.

If you want a calmer, more evidence-based way to think about investing during election seasons, listen now, then subscribe, share with a friend, and leave a review so more people can find Financial Opportunities Uncovered.

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.

It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.

Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.

Politics can feel like the only thing moving the stock market, especially in a midterm election year. But when we step back and look at the data, a clearer pattern shows up: markets don’t “hate” one party, they hate uncertainty. With Andy, Jake and Jessica, we talk through why volatility often rises as Election Day approaches, why that turbulence can peak before the vote, and why a relief rally after the results isn’t as surprising as it sounds.

We also dig into the four-year presidential cycle and the counterintuitive lesson it teaches. The midterm year is often the roughest stretch, particularly early on, which tempts people to sit on the sidelines. The problem is that the strongest window frequently follows right after, and trying to dodge the dip can mean missing the rebound.

From there, we tackle the question everyone asks at some point: does the stock market do better under Democrats or Republicans? We share the long-run return comparisons, explain why the gap is smaller than most people expect, and discuss why divided government has historically been a tailwind for markets. To make it real, we compare 2026 to recent midterm years like 2018 and 2022, including how Federal Reserve rate policy, inflation, and geopolitical risks can overwhelm the usual election-year script.

If you want a calmer, more evidence-based way to think about investing during election seasons, listen now, then subscribe, share with a friend, and leave a review so more people can find Financial Opportunities Uncovered.

The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations.

It is only intended to provide education about finance, tax, retirement and related planning topics. To determine which investments or strategies may be appropriate for you, consult your financial, tax or legal advisor prior to implementing. Any past performance discussed during this program is no guarantee of future results.

Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.

Keeler & Nadler Family Wealth is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Keeler & Nadler Family Wealth and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Keeler & Nadler Family Wealth unless a client service agreement is in place.