Income Protection Counseling

Seasoned Counselors Give Seniors in St. Louis, MO Income Protection Options

Offering tailored solutions to your individual financial circumstances

When you have worked your entire life to save money for your “golden years,” you want to protect it. At Senior Health Solutions, LLC, we provide clients throughout Missouri, Illinois and Arkansas with an assortment of income protection options. We think of our clients as family, and as such, we want what is best for you. Our company is known locally for tax-savvy solutions and excellent customer service. We invite you to come and have a free, no-obligation discussion.

Reducing taxes and protecting your income in retirement

In order to know how to help you, we begin with a comprehensive look at your current finances. Then we tailor options for your specific economic situation.

We understand that you want to avoid taxes, so we focus on ways for you to keep more of your money. This may include a real estate tax deferment program or other incentive/deferment programs.
Understanding home equity conversions

Home equity conversions, sometimes called “reverse mortgages,” allow people who are more than 62 years old to access the equity in a home and provide a source of money. Home equity conversions are federally approved programs for homeowners. Depending on the lender and your needs, you can:

  • Eliminate your current mortgage
  • Get a single lump sum, if you need a one-time payout
  • Get a monthly amount paid to you
  • Have line of credit to draw upon as needed
  • All of the above

Things to keep in mind when you are considering a home equity conversion

This money is paid to you tax free. It does not need to be paid back as long as you live in your home. You will not incur a monthly payment because the funds are repaid when your home is eventually sold.

No-cost advice on reducing your taxes in your retirement years

Whether you are paying too much tax or could qualify for a tax credit for the elderly, we advise you on options. If you are still working, yet caring for a disabled or elderly spouse or relative, you may be able to get a tax credit.

Keeping your money safe as you age

We know you are concerned about protecting your assets. Senior Health Solutions specializes in protecting seniors, and provides a free assessment of your portfolio and plans, checking that you are not paying excessive taxes. In fact, we offer a free, no obligation income protection counseling session every single year. This gives you the peace of mind you need and allows the option to make changes to improve your situation annually.

Contact Us

Contact our St. Louis income protection counselors for a free assessment of your finances
We want to educate you of your financial options
Whether you are concerned about your taxes, or to access cash on hand, we explain how reverse mortgages and tax credits work to your advantage. To schedule a confidential appointment, call (636) 244-4415.
Our Partners

Important Information
How to enroll into Medicare
We can help you find a Medicare plan in your area to fit your needs. Once you decide on a plan we can walk you through the Medicare enrollment process.
How much is the cost?
These are the basic costs for people with Medicare. If you want specific cost information (like whether you've met your deductible, how much you'll pay for an item or service you got, or the status of a claim)
Do my doctors accept these plans?
Use this helpful link on the Medicare and Medicaid Services (CMS) website to find and choose Physicians and Other Healthcare Professionals enrolled in the Medicare program, as required by the Affordable Care Act (ACA) of 2010.
What to do if you don't want a part D
If you want to drop your Medicare Prescription Drug Plan (Part D) and you don't want to join a new plan, you can do so during the Open Enrollment Period, between October 15–December 7 each year. The change goes into effect January 1 of the following year.
Keeping your work benefits
Employer or union health coverage refers to health coverage from your, your spouse's, or other family member's current or former employer or union.
Medicare - Advantage Plans
A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits.
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