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When to Refer Your Clients for Personal Home Care

Often, meeting with clients to prepare a legal document or assist with their retirement investments and estate planning happens in the earlier stages of adult life. A reputable professional will always focus on offering excellent advice and service to their clientele within the scope of their knowledge and field of expertise.

When to Refer Your Clients for Personal Home Care

When to Refer Your Clients for Personal Home Care

As time passes, and the professional relationship develops, there may come a turning point when a client demonstrates outward signs that they need elder care services at home. It is important to take note of the client’s circumstances and provide a referral to a qualified organization that can assist them with personal home care.

Each of the following professionals may encounter the above-mentioned situation in the course of their respective duties and should act accordingly.

Estate Attorneys.

An estate attorney, versed with years of mentoring and experience, continuing legal education and in-depth knowledge of state law, understands the importance of advising clients in getting their affairs in order. They assist clients with the preparation for the possibility of mental and physical disability and their eventual death. An estate planning attorney will need to know confidential details of a client’s life to prepare a will or trust that will accurately meet their unique requirements.

Over the years, a client’s legal document or trust will typically be reviewed several times to cater for changes in their personal or financial situation. Upon meeting with them in their older age, if it is determined that the client’s condition, physical and/or mental has diminished, it would be an opportune moment for the estate attorney to advocate the use of personal home care services, especially if it is stipulated as a legal provision in the client’s document.

Financial Planners.

Hiring a financial planner is akin to having a personal coach when it comes to money. Financial planners work with clients to help them achieve greater wealth and their ideal lifestyle. They will develop and recommend a financial strategy based on products that will cater to a client’s investment risk tolerance and long-term outlook. Recommended products can range from index funds and ETFs to purchasing long-term care insurance.

Financial planners are in the business of forming long standing relationships with their clients. They meet with clients annually to review their financial progress and make any adjustments needed to keep clients on track with their goals. As their clients advance in age, financial planners are in an ideal position to gauge whether a client may benefit from home elder care services and consequently refer them to a reputed home care provider for assistance.

Wealth Managers.

In the same vein as financial planners, wealth managers are tasked with the responsibility of overseeing the asset allocation and its performance for their clients. In the case of wealth managers, they cater to clients with an exceptionally high net worth and use specific estate planning and income tax planning strategies to reduce their clients’ exposure to taxation.

Wealth managers, like financial planners, are focused on managing their clients’ expectations. They will meet with their clients regularly over the course of years to discuss not only investment performance but also encourage discussion and ask questions such as: Have your life’s circumstances changed? What’s happening with your health and family? These questions can open the door to discovering whether a client may need personal home care assistance. The wealth manager can then recommend a suitable home care provider to their client.

Elder Care Attorneys.

Focusing on the elderly segment of the population, elder care attorneys are considered specialists as they will advocate strictly for the needs of the elderly. An experienced elder care attorney will deal with legal issues that arise from health care, patients’ rights, and personal and long-term care planning. They can utilize legal means to protect a client’s financial assets and invoke measures to secure a client’s right to public benefits such as Medicare and disability payments.

Because of their broad knowledge in the field of elder care, they are in a better position than any other business or legal professional to handle a variety of challenging scenarios that concern elderly clients with emotional or physical constraints. Elder care attorneys are acutely aware of when an elderly client may need home care assistance and will know how to locate and refer appropriate home elder care services.

Trust Officers.

Trust officers are typically employed by banks or the financial services industry and are responsible for managing assets held within a client’s trust. They will administer the trust in compliance with applicable federal and state laws and will oversee deposits into the trust and distribute the funds as indicated in the trust agreement.

The trust officer serves as a point of contact between the trust company and their clients for the duration of the trust. They are therefore able to potentially learn of any changes in a client’s personal situation, that might indicate a need for home health care services and take the appropriate action by referring the client to a personal home care agency.

Advisors who value delivering a high level of service to their clients must go beyond providing the required documents and standard professional advice. They would highlight the need to remain attentive to their client’s circumstances. Once changes abound due to increasing age and declining health, professionals should directly address these issues with their clients and offer practical solutions such as personal home care.


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