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8:00 – 8:30 am MST
8:30 am – 12:50 pm MST
12:50 – 1:20 pm MST
1:20 – 4:05 pm MST
Long-Term Care Overview N.J. Oriola
Long-term care options and related costs
Long-Term Care Planning D. Bernard
The need for long term care planning and insurance
The costs of different types of custodial care and how
custodial care is being delivered
Typical policy provisions-qualified and nonqualified contracts
Tax rules affecting long term care insurance
How to Pay for Healthcare Costs During Retirement S. Margulin
The top four Challenges to maintaining income in retirement
• Market volatility
• Spending behavior
• Taxes and inflation
The 3 stages of spending in retirement
• Early (60-74) • Mid (75-84)
• Late (85+)
Options for paying for healthcare in retirement
• Long term care
• Hybrid policy
• Reverse mortgage
• Sale of home
– IRA, Taxable, Roth
New Mexico Medicaid for Long Term Care M. Graham
Spousal impoverishment rules
Transfer of asset rules
Penalties and disqualification periods, transferee liability, exceptions
Basics of a Reverse Mortgage and the Common Uses M. Garcia
of a Reverse Mortgage
Paying off a mortgage
Taking a monthly payment to pay for long term care/cure a shortfall
Utilizing a line of credit
Purchasing a home using a reverse mortgage
Protecting Medicaid Assets with Irrevocable Trusts R.A. Willis III
Grantor and nongrantor trusts
Medicaid treatment of irrevocable trusts
Types of trustees, distribution standards
Spendthrift provisions and trust protector
IRC section 121 exclusion, basis and taxes
Each webinar session earns continuing education credit and can be registered for individually. All attendees must log-on through their own email – attendees may not watch together if they wish to earn continuing education credit. HalfMoon Education Inc. must be able to prove attendance if either the attendee or HalfMoon Education Inc. is audited.
Certificates of completion will be provided for each webinar attended and will be sent via email in PDF form about five business days after the conclusion of the series.
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New Mexico Accountants
8.0 CPE Hours
New Mexico Attorneys
6.6 CLE Hours
Continuing Education Credit Information
This webinar offers New Mexico accountants 8.0
intermediate-level CPE credits in the areas of Specialized
Knowledge. Knowledge of health care and long-term care are
beneficial, and no advance preparation is recommended.
HalfMoon Education Inc. is registered with the National
Association of State Boards of Accountancy (NASBA) as a
sponsor of continuing professional education on the National
Registry of CPE Sponsors. State boards of accountancy have
final authority on the acceptance of individual courses for
CPE credit. Complaints regarding registered sponsors may be
submitted to the National Registry of CPE Sponsors through
its website: www.NASBARegistry.org. Sponsor No. 103015.
The State Bar of New Mexico has approved this course for
6.6 general CLE hours for attorneys.
Completion certificates will be awarded to participants who
complete this event, respond to all prompts, and earn a
passing score (80%) on the quiz that follows the presentation
(multiple attempts allowed).
David W. Bernard
Wealth Management Advisor, Northwestern Mutual in Albuquerque, New Mexico
Mr. Bernard has been a wealth management advisor with Northwestern Mutual for 39 years. He holds designations as a Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU) and Certified Financial Planner (CFP). Mr. Bernard also holds five investment licenses with the SEC, including the Series 7. At Northwestern Mutual he has the title of Estate and Business Planning Specialist. He has a financial planning practice as well as an insurance and investment practice. Mr. Bernard and his team have over $220,000,000 of assets under management and he is a member of the MDRT Court of the Table. He has spoken on various financial educational topics throughout his career.
Mirella "Millie" Garcia
Mutual of Omaha
Ms. Garcia is a native El Pasoan. She graduated from UTEP in 1992 with a degree in Finance and Commercial Banking. She later went on to obtain her MBA from UTEP graduating in 1998. Ms. Garcia has over 12 years’ experience in the reverse mortgage industry. Prior to working in the mortgage field, she worked for 17 years in the insurance and financial industry. She initially became interested in the reverse mortgage product in order to help her parents. Since then, she has worked closely with seniors and their families, as well as financial planners, realtors and attorneys. Ms. Garcia is the former President of the El Paso Mortgage Bankers Association. She has also served on the Board for the El Paso Estate Planning Council and has been involved with various organizations throughout her career.
Margaret "Peggy" Graham
Partner, Pregenzer, Baysinger, Wideman & Sale (“PBWS”), New Mexico
Ms. Graham has focused her practice on elder law, secifically in representing individuals and families in the appointment of guardians and conservators for the elderly or disabled as both the petitioning attorney and Guardian ad Litem, estate planning, probate, and fiduciary litigation. She has tried cases in both state and federal court, and has represented clients before administrative bodies. Ms. Graham is a frequent speaker on Medicaid planning, special needs planning, guardianships and conservatorships, and special education. She has a unique perspective on the representation of families who have members with developmental disabilities and special needs as she is the mother of a special needs child.
CPA/ PFS, CFP®, CMA, ChFC, Wealth Manager, Managing Member for Retirement Extender®
Mr. Margulin is a well-known financial advisor and life coach in Albuquerque, New Mexico. He has made a lifelong commitment to learning and has earned five professional designations. Mr. Margulin customarily takes over 100 hours of continuing education to stay current and learn more about the subjects he advises on. As a Certified Public Accountant, he teaches retirement readiness and enhancing life in retirement coursework as an adjunct professor through the University of New Mexico. His goal is to ensure clients have control over their day-to-day, month-to-month finances; have the capacity to absorb a financial shock; be on track to meet their financial goals; and have the financial freedom to make the choices that allow them to enjoy life.
Nancy J. Oriola LCSW
LCSW, NMG, CMC, CFP® President/Clinical Director
Ms. Oriola is a licensed clinical social worker, a certified care manager, a National Master Guardian and since 1989, a Certified Financial Planner®. She spent a decade as an independent financial advisor before obtaining a master’s in social work. Since 2001, she had founded and continues to operate two age-related companies with a team of licensed and certified professionals. Ms. Oriola has taught gerontology classes at the master’s level, presented often on age related topics at conferences and has served as an officer and member of several boards. She is past-president of the New Mexico Estate Planning Council and the New Mexico Guardianship Association. Ms. Oriola is also a member of the Aging Life Care Association™ and the National Guardianship Association.
Russell A. Willis
Director of The Greystocke Project
Mr. Willis is a freelance writer and a consultant in transfer tax planning. For ten years, he wrote for a subscription website that provided daily coverage and in-depth analysis of developments in tax law affecting charitable gift planning. Last year he launched his own newsletter, the Jack Straw Fortnightly, analyzing current developments in the law — both tax and nontax — concerning the transfer of private wealth in this country. As a practicing lawyer in St. Louis, Missouri, for more than 20 years, Mr. Willis chaired the Steering Committee of the Probate and Trust Law Section of the local bar association and served for years on a legislative drafting subcommittee of the Probate and Trust Law Committee of the State Bar. As an adjunct member of the faculty at the St. Louis University School of Law, he taught courses in future interests and tax-driven estate planning. Mr. Willis has written numerous articles for law journals and publications serving the charitable planned giving profession, and he has been a frequent speaker at seminars for lawyers and for charitable gift planners. Mr. Willis has a law degree from St. Louis University and a master’s degree in Taxation Law from Washington University in St. Louis. His undergraduate degree in English Literature is from Indiana University, Bloomington, and he has a master’s degree in English from the University of Chicago.