Retirement Planning

San Antonio Retirement Planning Lawyer

It’s an unfortunate reality that our golden years aren’t always golden. The number of things that can go wrong starts to increase, and the costs associated with negative life events seem to also keep increasing as we get older. Paul Hardy Law offers clients a unique background of not just extensive legal knowledge, but deep financial experience as well. Our clients often find that combination invaluable in making important retirement planning decisions around their long-term healthcare costs. 

Schedule a free consultation with our retirement lawyer by calling the San Antonio office at (726) 227-1090. We can meet either remotely or in person.

Long-Term Care Planning

The costs of health care keep escalating as we get older. It’s more than the need for increased doctor visits and medication and even more than the occasional hospital stay. The costs really start to explode when we require ongoing care in the simple basics of living. Long-term care planning is the strategy aimed at meeting the financial costs incurred by those needs. 

Continue Reading Read Less

Client Testimonials

Read Our Five-Star Reviews

Paul Hardy takes the time to walk every client through the legal process, step by step. Read about our client experiences below.

    "Excellent Experience"

    Paul made sure that all of my concerns were addressed. I appreciate the time and effort they put into creating a plan that meets my unique needs.

    - Keith R.
    "Patient and Knowledgable"
    I had an amazing experience working with Paul Hardy. They were incredibly knowledgeable, patient, and took the time to explain everything in detail.
    - Vanessa H.
    "Outstanding Attorney"
    Courteous, professional, honest, and to the point. Outstanding attorney whom I will continue to use.
    - Clementine B.

Look Back and Spend Down

When a person applies for Medicaid, Texas will use a five-year “Look Back” window. What is being investigated are any income or asset transfers that took place in this period. This includes money that might have been given away or assets that were sold for less than their market value.

If the state determines that money or assets were essentially given away, the applicant will not only be denied access to benefits, but penalized in the form of a longer waiting time to become eligible for Medicaid application again. 

One way the “look back” problem can be addressed is through the legal approach of “spend down”. This can involve strategic spending on allowable expenses, such as medical bills or home modifications, to bring one’s countable assets below the eligibility limits. We might also consider various strategies, such as utilizing irrevocable trusts, tax planning, and gifting, to ensure regulatory compliance while protecting your assets.

These strategies demand meticulous attention to detail and an understanding of the nuanced legal framework surrounding Medicaid eligibility and asset transfers in Texas. Our office places a priority on custom-designed solutions based on your needs, your assets, and your circumstances. We can help you put together a strategy. 

Continue Reading Read Less

Why Choose Attorney Paul Hardy?

Your Experienced Advocate in Estate Planning
  • Your Trusted Advocate

    We'll be your voice for you when you need it, explaining the process at every step. 

  • Detail-Oriented Strategy

    We commit to excellence and will work day and night for your case.

  • 100% Attorney-Run

    Your attorney will handle your case from start to finish; you'll never be handed off to a paralegal. 

  • Payment Plans Available

    We will work within your budget and offer payment plan options.

Contact Us Today

Start With A Consultation

Reach out today to meet with Paul Hardy. Call us at (726) 227-1090 or fill out the form below.

  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.
  • By submitting, you agree to be contacted about your request & other information using automated technology. Message frequency varies. Msg & data rates may apply. Text STOP to cancel. Acceptable Use Policy
Call Paul Meet Paul Hardy Your Estate Planning Advocate

Read more about our experienced and compassionate attorney and see how we can help you.