Company Profile...

 
Texas Medicaid Planning * Estate Preservation * Wealth Transfer * Veterans Benefits
Seniors Financial Solutions
and
The Law Office of Kim Kernodle
Specializing in Estate Preservation StrategiesÔ
* Texas Residents Only

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1464 East Whitestone Boulevard, Building 5, Suite 501
Cedar Park, Texas 78613 {map}
Telephone: (512) 260-5110 | FAX: (512) 259-2224

You do  NOT have to lose your Life Savings to
Nursing Home costs!!

Get Your FREE Estate Preservation and Financial Consultation!

Click Here

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.

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 for your loved one.

Since 2002, The Law Office of Kim Kernodle has contracted with, and has hired, Seniors Financial Solutions as Financial Coordinators regarding Medicaid planning and client support services for her clients throughout the State of Texas. Attorney Kernodle is also available for consultation regarding wealth transfer & estate planning so you don't lose your our assets to Federal Estate Taxes.

At Senior Financial Solutions our focus is Asset Protection. We have assisted over 4,000 Texas families protect the majority of their life savings. We can help you too.

In your FREE consultation with us 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, whether you can legally protect all or the majority 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.

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About Bob Pender

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 thirteen years, Bob and his experienced staff have worked with a network of Texas elder law attorneys to help over 4,000 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; his Registered Financial Consultant (RFC) designation in June, 2004; and his Chartered Financial Engineer (CHFE) designation in April, 2005. He and his wife, Demetra, live in Round Rock, Texas and celebrate 39 years of marriage in 2011.

Printable Resume

Professional Information on Bob Pender:
State and Other Licenses and Designations and Advanced Training:

Article 21.07, Texas General Lines Agency; Life, Health and HMO
Series 6, Investment Company/Variable Contracts Representative
Series 63, Uniform Securities Agent State Law
New York Life Career and Advanced School, 1996
Brad Wiewel Attorney-at-Law Estate Planning Advanced Course, 1997
LUTCF Retirement Planning, 1998
Texas Long Term Care Forum: Medicaid & Estate Planning, 1998
IRA Distribution Council Certification School, 1999
Certified Senior Advisor, CSA Designation, 2002
Registered Financial Consultant, RFC Designation, 2004
Chartered Financial Engineer, ChFE Certification, 2005
Life Member of the MDRT in 2010

Commendations:
New York Life Executive Council Award, 1997
New York Life New Agent of the Year, Austin General Office, 1997
InterSecurities, Inc. New Investment Advisor Representative of the Year, InNet Financial Group, 1999
 Million Dollar Round Table (MDRT) Award:  2000 - 2010
Life Member of the MDRT in 2010
 2010 Five Star Wealth Manager Award, Texas Monthly, September 2010
 2011 Five Star Wealth Manager Award, Texas Monthly, September 2011

CONTACT US TODAY for YOUR Families’ FREE CONSULTATION!!!!

Since 1998, Robert C. Pender, and his financial Team at Seniors Financial Solutions, have worked under the supervision of ten (10) Texas law firms, as their Asset Preservation and Medicaid planning financial coordinators. 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 4,000 Texas families to get the quality care that they needed for their loved ones, while at the same time protecting a majority of their family Life Savings.

With Representatives in Austin, Dallas, and San Antonio, and our Toll Free Help Line, Seniors Financial Solutions Case Managers are standing by to help your family in any city or town in Texas.

Call us Toll Free today at (877) 249-6047
OR
order your FREE Emergency Medicaid Planning Kit today
by completing the REQUEST FOR FREE INFORMATION below: