Orchestrating the Business of Your Life

The business of your life is like an orchestra – instead of instruments like violins, horns, and flutes, you have money matters such as:

  • Daily Money Management- Bill-paying, organize financial papers, employment related benefits assistance
  • Advance Care Planning – Wills, trusts, power of attorney and end-of-life financial and health scenarios
  • Estate/Trust Organization and Administration – Probate process, life insurance claims, gathering and disbursing assets
  • Senior Advising– Medicare, Medicaid, and Social Security matters

YOU NEED A CONDUCTOR

A conductor will make sure all your instruments play well together. The cost of the financial care manager is often only a fraction of the savings your financial care manager produces with cost effective and sustainable arrangements versus those the family makes on its own by trial and error.

Most important, a financial care manager’s involvement greatly reduces family and caregiver stress and helps to eliminate family disputes. Providing daily money management services assists those who are vulnerable and frail to protect their financial security and serve as a deterrant to potential elder abuse.

When you hire ACP Financial Care, you hire a conductor who will orchestrate all the pieces of your unique life, an advocate who will bring order and efficiency.

What is Financial Care?

  • When you need help paying, organizing and managing your paper……bills, medical claims, insurance, home records, taxes, and documents. That’s Financial Care
  • I read about needing to do advance care planning – A will, an advance healthcare directive and power of attorney. My children are young, do I need to make a separate guardian document or can I put that in my will? That’s Financial Care
  • When you may need to have a conservator appointed for a loved one. That’s Financial Care
  • Your employer is switching medical plans and is now offering an FSA and an HSA. What are those? I don’t understand what is best for me and my family. That’s Financial Care
  • I don’t want to end up in a nursing home, no matter what! What do I need to do so my family doesn’t put me in one? Can’t I just stay in my own home and have someone come and take care of me? I want to die in my own bed. And, I don’t want any fancy caskets or anything, just cremate me. That’s Financial Care
  • Who is going to settle my estate when I’m gone? My spouse? My children? What if they don’t know what they’re doing? Do I need to have this done by an attorney? That’s Financial Care

WHO IS ACP FINANCIAL CARE?

Amanda Pascale , Owner and financial Care Manager

Amanda spent 30+ years managing Human Resources departments in the banking industry for 25 years and long term care for six. She developed a keen understanding of the difficulties people face managing and understanding their finances and benefits, like medical, FSAs and HSAs, 401ks, pension, etc. She worked with employees who faced challenges as their parents aged and encountered eldercare issues. She assisted the overwhelmed spouses and children of employees who passed away. She assisted countless employees, friends and families with issues concerning health care, medical insurance, banking, nursing homes, life insurance, and grief counseling.

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Our Services

Daily Money Management

  • Pay the bills – we can write the checks for you to sign or we can automate through your bank. Make bank deposits
  • Review your bank statements, credit card statements, reconcile
  • Collect and organize your records for tax return preparation
  • Assist with setting up budgets and monthly monitoring
  • Maintain general homeowner records
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Advanced Care Planning

Advance care planning is a process to create plans for a time in the future when we will not be able to make our own decisions.

We understand the anxiety and fear that comes with talking about the end of our life. We believe that a gentle and respectful conversation will make the process smooth. Step by step, your concerns will be relieved. Let’s initiate discussions about health issues and the future in terms of long term care needs: living with child, in-home care, assisted living and nursing homes.

  • advance health care directive (health care power of attorney)
  • living will
  • financial power of attorney
  • last will, trust
  • end of life plan (hospice, funeral, burial)

We find that many times it’s difficult to have these conversations with your own family. Let us help facilitate.

Please note that final documents may be prepared by an attorney

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Estate Administration

An executor is entrusted with responsibility for winding up someone's earthly affairs -- a big or little task, depending on the situation. Essentially, an executor is charged with protecting a deceased person's property until all debts and taxes have been paid, and seeing what's left is transferred to the people who are entitled to it.

“While there may be a need for an attorney depending on the size and type of estate, many estates do not. Where necessary, legal advice is obtained.” We can:

  • Serve as Will Executor
  • Locate and organize important documents
  • Facilitate communications with appropriate parties
  • Prepare probate materials and assist client through the probate process
  • Monitor/track medical bills, insurance, Medicare claims
  • Identify government benefits, i.e., military, veterans, social security
  • Notify Social Security, IRS, and businesses where deceased had accounts
  • Perform an inventory of the assets of the deceased
  • Pay final expenses (funeral)
  • Work with Employer for pay and benefits
  • Review and help claim life insurance and veterans, employment related, or other benefits
  • Make all estate distributions
  • Navigate and organize records of decedent; identify records for shredding and proper storage
  • Act as liaison with estate attorney
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Professional Fiduciary Services

  • Serve as personal representative, trustee, conservator, attorney–in-fact under a power of attorney, custodian, executor, and/or administrator.
  • Serve as Notary Public

Other Services

  • Provide general organization assistance and decluttering of financial paperwork and organizing financial documents
  • Health insurance claims filing and review – appeals and dispute resolution
  • Assist with employment related benefits, e.g., medical plans, 401k, pension, FSA plans, HRAs, etc.
  • Assist with Medicare/Medicaid applications
  • Provide evaluations for assisted living, long term care, and continuing care communities
  • Provide resources for home healthcare, personal care, custodial care
  • other

A few reasons why you may need us

  • Remove the stresses of your time and responsibility for caring for an elderly or disabled loved one
  • Spend quality moments with your loved one rather than discussing money, bills, or other financial topics
  • You have questions that may not require a lawyer’s or accountant’s advice – we have answers or help you find the professionals you need.
  • Paperwork, phone calls, sending bill payments takes time

STORIES AND TESTIMONIALS

  • After hiring Amanda to handle my dad’s bills and finances, I was able to address more of his emotional, social, and health concerns as he ages, rather than always focusing on his financial situation. Amanda has also been instrumental in...

  • I had accumulated debt due to the downed economy. But where to start and come up with a plan to reduce it quickly became overwhelming. Meeting with Amanda gave me a sigh of relief. She was easy to talk with,...

  • Amanda helped us put together our wills, powers of attorney and other documents to make sure everything would be taken care of. We sent copies to our daughters so they are aware of our plans. Amanda made it very simple...