PLEASE NOTE THAT I SERVE THE PUBLIC IN SEVERAL DIFFERENT
CAPACITIES:
FIRST: I am an elder law attorney, and my firm
is DAVID A. LaRUE, ESQ., P.L.L.C. I have practiced in
the field of elder law for the last ten years. A person
who hires my services to deal with legal and financial
issues related to aging can pay for a flat fee service
called "COMPREHENSIVE
ELDERLY PLANNING" This service includes the following,
for a LIFETIME, ONE time, flat fee: A. COUNSEL AND ANALYSIS
AND RECOMMENDATION OF A PLAN TO ADDRESS ESTATE, LIFE AND
LONG-TERM CARE PLANNING ISSUES; B. ON GOING IMPLEMENTATION
OF THE PLANNING (which could include wills, trusts, guardianships,
powers of attorney, gifting plans, family agreements,
care agreements, etc., as necessary); C.MEDICAID APPLICATION
REPRESENTATION; D. FILL THE GAP ASSISTANCE FOR LIFE CARE
PLANNING; AND E. LIMITED ESTATE ADMINISTRATION SERVICES
(INCLUDING DEALING WITH MEDICAID ESTATE RECOVERY ISSUES).
For a flat fee contract, the "COMPREHENSIVE ELDERLY
PLANNING" package price is set by me with reference
to three factors: 1) whether the services qualify as "advance"
planning, "intermediate" planning, or "crisis"
planning; 2) Whether we are representing a single person
or a couple; 3) The amount of assets we are dealing with.
SECOND: I am a licensed independent insurance agent
who, through my agency, FOREST GREEN FINANCIAL & INSURANCE
SOLUTIONS, sell safe investments to seniors and those who
are planning for retirement. I DO NOT CHARGE FEES TO PERSONS
WHO RETAIN ME FOR THESE SERVICES, but I am paid a commission
by any insurance company whose product you buy. These "safe"
investments are fixed annuities and equity-indexed annuities
(EIAs). These annuities have long-term tax-deferred growth
potential and NO DOWNSIDE RISK. I use only top-rated companies
and will shop for good rates and contracts for you at NO
COST.
THIRD: A branch of my insurance agency, ADVANCE LONG-TERM
CARE & INSURANCE SOLUTIONS, sells LTC Insurance, which
covers the cost of nursing home care or COMPARABLE HOME
HEALTH CARE, not covered by Medicare. Again, I DO NOT CHARGE
FEES TO PERSONS WHO RETAIN ME FOR THESE SERVICES, but I
am paid a commission by any insurance company whose product
you buy. I use only top-rated companies and will shop for
good rates and contracts for you at NO COST.
FOURTH: I am a representative of AMERICAN REVERSE
MORTGAGE CORPORATION, a Florida corporation that sells "reverse
equity mortgages" to senior homeowners age 62 and older.
A reverse mortgage is a financial product that lets your
home pay you a monthly dividend which you can use for any
worthwhile purpose. It is a safe, government insured and
regulated contract that provides a person a way to get additional
tax-free income by tapping the equity in their home. Again,
I DO NOT CHARGE FEES TO PERSONS WHO PURCHASE THIS PRODUCT
FROM ME, but I am paid a commission by AMERICAN REVERSE
MORTGAGE CORPORATION if you get a reverse mortgage from
me.
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If you retain our legal services (COMPREHENSIVE
ELDERLY PLANNING or otherwise), and also purchase an insurance
contract or obtain a reverse mortgage through me, I DO NOT REDUCE
LEGAL FEES. In fact, I always suggest that a person coming to
my office for insurance or other non-legal services/products should
seek advice from another elder law attorney before using our legal
services. Likewise, I always suggest to a person who has hired
my law firm for legal services (COMPREHENSIVE ELDERLY PLANNING
or otherwise) that they should seek advice from another insurance
agent/reverse mortgage advisor before using my agencies for these
products. (See below.)
ATTORNEY DAVID A. LaRUE’S
DUAL
PROFESSION/MULTI-DISCIPLINARY
PRACTICE
DISCLOSURE
Please, note, as an inherent part and natural extension of David
A. LaRue’s particular elderly planning law practice, he
carries a life and health & accident insurance license (OH,
WV, PA, VA and NC), and can and does receive part or all of an
insurance agent's commission when a life insurance, annuity,
or long-term care insurance contract is placed for one of his
clients (Insurance implemented through Luttner Financial Group,
Ltd. or Forest Green Financial & Insurance Solutions, LLC,
or its wholly-owned division, Advance Long-Term Care & Insurance
Solutions, an independent Insurance Agency). However, this
fact should not affect his personal independent judgment as your
elder law attorney as to the course or courses of action most
beneficial to you as a long-term care plan. As a matter
of practice, Attorney LaRue endeavors to sell or offer to sell
insurance products, when, in his independent professional judgment
as a legal counselor, a particular insurance product would objectively
be recommended by an estate planning or elder law attorney who
did not hold insurance licensing. Attorney LaRue’s
objective is primarily to help his clients achieve their estate
and long-term care planning goals. Whether or not an insurance
product is sold to you by him or on his recommendation, the law
firm of DAVID A. LARUE, ESQ., P.L.L.C. still charges the
same legal fees that would otherwise be charged to you
for the legal work, and does not discount fees to clients who
have purchased or will purchase a particular insurance product.
IN THE EVENT THAT YOU EVER BELIEVE, DURING THE COURSE OF
OUR FIRM’S REPRESENTATION, THAT ATTORNEY LARUE’S
OR THE FIRM’S INDEPENDENT PROFESSIONAL JUDGMENT AS A LEGAL
COUNSELOR IS AFFECTED BY ATTORNEY LARUE’S RIGHT, AS A LICENSED
INSURANCE AGENT, TO RECEIVE A COMMISSION UPON THE ISSUANCE OF AN
INSURANCE PRODUCT, YOU SHOULD SEEK A SECOND OPINION FROM ANOTHER
ELDER LAW ATTORNEY, OR MAY PURCHASE THE RECOMMENDED INSURANCE PRODUCT
FROM ANOTHER INSURANCE PROFESSIONAL OTHER THAN THE AGENCY OR AGENCIES,
COMPANY OR COMPANIES UTILIZED BY ATTORNEY LaRUE.
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