James W. Cowan, CLTC, CSA

For over 28 years, I have provided professional guidance to individuals and families on protecting their hard-earned savings from risks that can derail retirement plans.

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I help clients understand the steps to take when facing a long-term illness, explore options for preserving or recovering assets when Medicaid eligibility is uncertain or not immediately available, and navigate strategies for qualifying for Medicaid without depleting all of their assets.

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I also guide clients in setting up prepaid funeral trusts to ensure final expenses are covered without placing an emotional or financial burden on their families while remaining Medicaid-compliant.

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I offer guidance and support to individuals in the following areas:

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• Last-minute strategies to protect assets from nursing home costs and Medicaid spend-down
• Final expense planning, including prepaid funeral trusts
• Veterans’ long-term care benefits to help offset the cost of care
• Strategies to help clients recoup funds related to long-term care expenses