Long term care costs are rising and Medicaid is a lifeline for many seniors, but qualifying without spending down your life savings requires careful planning. This guide explains Medicaid eligibility rules, including the 2025 asset and income limits and spousal allowances, the five year look back period and penalty calculations and proven strategies like spending down, income only trusts and irrevocable Medicaid asset protection trusts. Learn how early planning can shield you

Ethical decision‑making is more than a legal requirement; it is a guiding principle that shapes every aspect of trust management. Trustees who act with loyalty, impartiality, care and transparency honor the grantor’s intent and protect beneficiaries’ interests. Examples of ethical dilemmas—from personal moral conflicts to overprotective asset management—highlight the importance of separating personal values from fiduciary duties and seeking professional advice when needed.

Serving as a trustee during economic uncertainty is challenging but manageable. A solid understanding of your fiduciary duties, a disciplined investment approach, clear documentation, and open communication provide the roadmap. Diversification, regular reviews, and resisting the urge to time the market are central pillars of prudent trust management. When storms hit, focus on the long game and help beneficiaries see beyond the horizon.