Joanne M. Goff, MOCEANS Center for Independent Living, Institute of Responsible Wealth

Frank Congilose talks with Joanne Goff from MOCEANS Center for Independent Living located in Long Branch NJ. MOCEANS is a center that helps individuals with disabilities live a more independent life be providing them information and services. * What is a center for independent living? * Core services of MOCEANS Independent Living Skills Training o Advocacy Information and Referral o Peer Support Who do centers for independent living service? Personal Assistance Services Program Spouse as the personal assistant Where can centers of independent living be found? Center for independent living funding Cost for utilizing MOCEANS?

Robert Novy, Part 1 Elder Law, Novy & Associates, The Institute of Responsible Wealth

Interview with Robert Novy, Managing Partner at Novy & Associates. Bob is an expert in Elder Law. * Elder law o Estate planning o Asset Protection o Medicaid Planning * Timing Restrictions on Medicaid planning * Transferring Assets * Income requirements for assisted living * Difference between assisted living and custodial care * Current trends asset protection * Long Term Care * Wills/Power of Attorney/Living Wills

Cristina Amyot, President CEO Enform HR. Institute of Responsible Wealth

Frank Congilose of the Institute of Responsible Wealth Interviews Cristina Amyot. Cristina is the president and ceo of Enform HR, a human resources firm located in Red Bank NJ. * What is Enform HR? o services provided + on site HR + off site HR + education + audit * Compliance * Productivity * Common HR issues o record keeping and retention o misclassifying employees according to Fair Labor Standards Act o independent contractors

Bob Muñoz Tax Attorney Interview, The Institute of Responsible Wealth

Frank Congilose sits down with Bob Muñoz, tax attorney at Lomurro Davison, located in Freehold NJ. # Objectives of estate planning # Changes in tax law # Estate tax * Unified credit * Exemptions # Business succession planning * Valuation * Control # Gifting # Asset protection # Asset ownership www.lomurrolaw.com

Fred Niemann Interview Part 2 Elder Care Law. Hanlon Niemann. The Institute of Responsible Wealth

Frank Congilose interviews Fredrick P. Niemann, Esq., partner at Hanlon Niemann. The Institute of Responsible Wealth Fred is a attorney who specializes in elder care law and veteran benefits. This is part 2 of 2. www.NJElderLawCenter.com www.HNLawFirm.com * What is an elder law attorney? * Veteren benefits * Biggest concerns about elder care * Timing of protecting assets * Planning for elder and long term care * Benefit of using an elder law attorney

Interview Disclaimer:

The views and opinions expressed in the interviews are solely of the individuals and are not the views of The Institute of Responsible Wealth, C&A Financial Group, its parent affiliate, resources, or subsidiary companies. The following show is for informational purposes only. Individual situations vary and the information should be relied upon only when coordinated with individual professional advice.

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Institute of Responsible Wealth

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© 2018 by Institute of Responsible Wealth

The Institute of Responsible Wealth is an educational division of C&A Financial Group, an Agency of The Guardian Life Insurance Company of America (Guardian), New York, NY. Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRASIPC.  PAS is a wholly-owned subsidiary of Guardian. The Institute of Responsible Wealth and C&A Financial Group are not affiliates or subsidiaries of PAS or Guardian.  

C & A Financial is an Agency of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Securities products [and advisory services] offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 2111 Rt. 34 South Wall, NJ 07719. (732) 528-4800 PAS is a wholly-owned subsidiary of Guardian. C & A Financial is not an affiliate or subsidiary of PAS or Guardian. Important Disclosures 

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