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Texas Senior Financial Planning, Medicaid Eligibility, Estate Preservation

Senior Financial Planning * Medicaid Eligibility * Estate Preservation

    Bob Pender and Michelle Davis

      Bob C. Pender, Registered Financial Consultant, President
      R. Michelle Davis, Vice President of Operations

    1464 East Whitestone Boulevard
    Suite 501 Cedar Park, TX 78613
    Telephone: 512-260-5110

At Senior Financial Solutions our focus is Texas Medicaid Planning and Asset Protection. Senior Financial Solutions is an administrative, consulting and support service company providing services to attorneys who focus on Medicaid Eligiblity. Working under the supervision of attorneys, SFS Case Managers have helped over 5,000 law firm client families protect significant assets while obtaining Medicaid Eligibility.

Seniors Financial Solutions advisors provide an initial, FREE no obligation, one hour financial consultation and family information session to discuss the health care and the financial issues that you and your family are currently facing.

Seniors Financial Services - Texas Medicaid Planning and Esate Preservation

During your financial consultation we will:

  • explain the basics of “how” the Medicaid Program, supervised by the Texas Department of Health and Human Services Commission, (TDHHSC) is designed and implemented.
  • review our Medicaid Eligibility "Three Box Checklist" and answer your questions on what assets (resources) are “ countable” and which resources are “excluded” for Medicaid assistance, qualification and certification under TDHHSC guidelines.
  • review the general financial options that are available, and whether or not it would be beneficial for your family decide to pursue the Medicaid Application process.
  • review the basic general strategies that are available to provide Estate Preservation for your family’s assets; and if federal and state guidelines are correctly followed, how you can protect significant portions of your remaining family estate.

Based on the financial and medical information you provide, an attorney will be able to confirm the following:

  • the approximate time frame that it would take to accomplish your loved one’s Medicaid Qualification date;
  • what percentage of your loved one’s estate can be preserved;
  • what legal fees would be incurred to successfully complete your Estate Preservation Plan, help you implement your plan, prepare and document your application in order to prove why and how your assets were protected and finally track the application through the approval process.

After reviewing your choices and the options available and the results to be obtained, you and your family will then take the time that you need to discuss whether or not to move forward with an Estate Preservation Plan for your loved one(s).

If you choose to move forward, you will then retain the law firm of your choice, and the attorney selected will provide you with a complete Engagement Letter packet which will outline the work to be done, and confirm the services and assistance that you can expect in completing the entire project.

Bob and his associates, with their specialized expertise, will take the time to explain to you and your involved family members, the choices and options that you have available when it comes to protecting your family’s Life Savings while at the same time getting the quality healthcare needed.

About Bob Pender

Robert C. “Bob” Pender, and his Team of Case Managers at Seniors Financial Solutions, focus on helping Texas families protect their loved ones’ Life Savings while at the same time getting the quality healthcare needed for their loved ones.Bob Pender Seniors Financial Solutions

As an Investment Advisor Representative and Registered Financial Consultant, Bob has specialized in and focused on Senior Estate Preservation and Wealth Transfer Planning solutions since 1998. Over the past sixteen years, Bob and his experienced staff have worked with a network of Texas elder law attorneys to help over 5,000 families protect their life savings and become eligible for Medicaid assistance. Bob, under the supervision of elder law attorneys, provides comprehensive financial solutions for our clients’ and their families’ long-term Estate Preservation and planning needs.

Robert C. “Bob“ Pender, RFC is the founder and President of Seniors Financial Solutions, Inc. and was born and raised in Abilene, Texas. He graduated from The University of Texas at Austin in 1970 and received his Honorable Discharge as a Captain from The United States Army in 1977. Bob became a Registered Representative in February, 1996 and an Investment Advisor Representative in 1998. He earned his Certified Senior Advisor (CSA) designation in June, 2002 and his Registered Financial Consultant (RFC) designation in June, 2004. He and his wife, Demetra, live in Round Rock, Texas and celebrate 42 years of marriage in 2014.

Since 2002, Robert C. Pender, and his financial Team at Seniors Financial Solutions, have worked under Texas law firms to help Texas families when a loved one need nursing home care. In this capacity, Seniors Financial Solutions has built a statewide reputation of honest, caring, responsible service and their “by the Book” assistance has successfully assisted over 5,000 Texas families to get the quality care that they needed for their loved ones, while at the same time protecting significant portions of their family Life Savings.


With our Toll Free Help Line, Seniors Financial Solutions Case Managers are standing by to help your family in any city or town in Texas from our office at 1464 East Whitestone Boulevard - Building 5, Suite 501, Cedar Park, TX 78613 - Phone: (512) 260-5110.

Contact us today to arrange for a FREE Estate
Preservation and Financial Consultation!

For more information, or to schedule your free consultation, call Seniors Financial Solutions at 512-260-5110 or complete our REQUEST FOR INFORMATION form below.


Senior Financial Solutions Location

Seniors Financial Solutions, Inc. provides financial Asset Protection Planning services for applicants who are residents of the State of Texas or intend to become residents of the State of Texas. Seniors Financial Solutions is not a law firm or accounting firm. We do not offer legal advice or tax advice services. Information contained within this web site, our publications, our client agreements, client communications, and oral communications are not, nor intended to be, legal advice or tax advice. You must see your legal or accounting professionals for those services.


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