Income Planning Assessment

Complete the questions below and we'll prepare your customized income planning assessment

and checklist showing the strengths and opportunities in your plan

First Name *

Last Name *

Phone *

Email *

Section 2: Baseline Data & The Crisis vs. Planning Timeline

What's your birthday?

What is your marital status?

What state do you currently live in? Medicaid is a joint federal-state program. While the federal government sets the baseline rules, each state administers its own program with specific asset limits, income caps, and home equity exemptions.

Which best describes your current timeline for needing long-term care?

Proactive Planning - We are healthy and just planning for the future - 5+ years out

Early Warning - We have some health concerns but no immediate need for daily care - 1-4 years out

Pending Need - We will likely need in-home care or assisted living within the next 12 months

Crisis Mode - I or my spouse need nursing home care right now

Section 9: Integration with Your Broader Plan

Does your current estate plan (Will, Trust, POA) include specific provisions for what happens if you or your spouse need long-term care?

Yes - our estate plan was designed with Medicaid in mind

Not sure - I would have to check with my attorney

No - our estate plan only addresses what happens when we die not if we get sick

Have you discussed with your family how long-term care decisions would be made and paid for?

Yes - we have had an open conversation and everyone knows the plan

Somewhat - we have mentioned it but do not have a clear plan

No - we have never discussed it

Your Next Step

Would you like our team to prepare a personalized Medicaid Eligibility & Asset Protection Analysis based on your specific financial numbers? If yes, we'll send a brief secure intake form to collect the exact figures needed to determine your eligibility timeline and protection options.

Yes - I would like a personalized protection analysis

No - the educational report is enough for now

Send a link to my results and any follow-up questions over SMS (max 4 messages). *

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Assessment Results Terms *

Send me a link to my assessment and a follow up regarding the assessment quality over SMS. Total messages sent from selecting this option: no more than 4.

Send educational opportunities, financial news, and event invitations to me over SMS. (Max 4/month) *

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Send me education and planning opportunities or other information I may be interested in from The Retirement Institute Estate & Legacy via SMS. Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out.

This assessment is designed to provide educational information. It is intended to serve as a framework for discussion with a qualified professional and is not a substitute for professional advice. *

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Any projections, estimates, formulas, statistics, or calculations shown are hypothetical in nature and are based on the information you provided, along with standardized assumptions. Actual results will vary. Past performance of investments is not indicative of future results. This assessment is based on national averages and may not reflect your particular situation, therefore it does not recommend any specific insurance product, financial institution or product, plan, or provider. *

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The information contained in this assessment does not constitute financial, investment, tax, or legal advice. Scores, calculations, and findings are educational approximations based on the information you provided. Your actual situation may differ materially from any estimates shown. You should consult with a licensed professional before making any decisions. *

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Content in this assessment may have been generated in whole or in part by artificial intelligence (AI) systems. While AI can provide valuable educational insights, these systems can make mistakes or produce inaccurate information. The information presented should be used as a starting point for your planning discussions, not as definitive advice. Before taking any actions, consult with qualified professionals who can evaluate your specific situation. *

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The Retirement Institute has not acted as your legal, financial, or fiduciary advisor in the preparation of this report. *

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Educational Content Disclaimer: All content provided by The Retirement Institute, including on this website, in our courses, and from our instructors, is for informational and educational purposes only. The Retirement Institute is not a registered investment advisor, broker-dealer, or financial services firm, and does not operate as a financial fiduciary.

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Income Planning Assessment

Section 1: The Emotional Reality & Your Motivation

Section 2: Baseline Data & The Crisis vs. Planning Timeline

Section 3: The Financial Picture (Countable vs. Exempt Assets)

Section 4: The Financial Picture (Countable vs. Exempt Assets)

Medicaid divides your assets into two categories: "Exempt" (things they generally don't count, like your primary home and one car) and "Countable" (things they expect you to spend down to $2,000 before they will pay for care).

Section 5: The 5-Year Look-Back & Penalty Risks

Section 6: Spousal Protections & Estate Recovery

Section 7: Current Legal & Planning Defenses

Section 8: What Have You Tried?

Section 9: Integration with Your Broader Plan

Your Next Step