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(1)legal, financial & estate planning. If you’re like most people, your daily life is focused on your immediate needs and those of your family. Legal preparedness attached to a pre-planned financial strategy can help the chances of your future arriving without any major surprises. But you don’t have to do it alone. With the aid of legal, financial and accounting assistance the many hurdles of planning a future can be faced and overcome, one step at a time.. Missouri Listings. deserve from Michael Packman, an experienced financial management professional located at Arsenal Credit Union. Call to set up a no-cost, no-obligation meeting. Flexible meeting times and places offered.. 1st Mariner Bank - NGFS Reverse Mortgages. Rudy D. Beck & Associates, P.C.. Phone: 877-464-3936 Fax: 800-661-0675 3220 Domain Street, St. Charles, MO 63301 Email: vvanbooven@yahoo.com Website: www.theltcexpert.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: Reverse mortgages for seniors Other Accreditations: RN BSN. Arsenal Credit Union/ MEMBERS Financial Services. Phone: 636-946-7899 Fax: 636-946-2118 2777 West Clay, St. Charles, MO 63301 Email: rbeck@rbecklaw.com Website: www.rebecklaw.net Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City Description: Let the first call you must make, be the last call you need to make. We provide a full range of services: basic preparation of wills, trusts, powers of attorney; development of an asset protection plan, a life care plan, and filing Medicaid applications. We help save your assets for your family.. Law Office of Julie A. Berkowitz, CELA. Phone: 314-919-1058 Fax: 314-919-1062 8651 Watson Road, St. Louis, MO 63119 Email: Michael.Packman@cunamutual.com Website: www.arsenalcu.org Counties Served: Jefferson, St. Louis, St. Louis City, Madison, Monroe, Randolph, St. Clair Description: Financial & estate planning – We’ll take the time to learn about you and your financial objectives, and then offer solutions based on your input. A value-oriented approach is taken to meet your needs. Get the personal attention you. 314.991.2602. Phone: 314-725-9696 Fax: 314-725-0066 500 N. Skinker Blvd, St. Louis, MO 63130 Email: bergarrett@aol.com Counties Served: St. Louis, St. Louis City Description: Ms. Berkowitz is certified as an elder law attorney by the National Elder Law Foundation. She focuses her practice on Elder Law issues which include, Medicaid eligibility, estate planning, special needs trusts for disabled individuals, probate, Durable Powers of Attorney, guardianships and conservatorships. NAELA Member? Yes. 1121 Olivette Executive Parkway, Suite 105 St. Louis, Missouri 63132. Life Care Planning Guardianships / Conservatorships Mental Health Law Medicaid Planing and Asses Protection Medicare and Long-term Disability Care Advocacy and Coordination Wills, Trusts, Powers of Attorney and Living Will Directives Special Needs Trusts Veteran’s Benefits Advice. 2010 Information For Older Adults Resource Guide. 175.

(2) LEGAL, FINANCIAL & ESTATE PLANNING - Missouri. Blase & Associates, LLC Phone: 314- 909-6565 Fax: 314-909-6523 12429 Nicholas Lane, Des Peres , MO 63131 Email: jimblase@blaselaw.com Website: www.blaselaw.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Madison, St. Clair Description: Blase & Associates LLC is a St. Louis area law firm practicing primarily in the estate and tax planning areas, including wills, trusts and health care directives. The firm was formed in 1999 by James G. Blase, after spending the first 17 years of his career with two large downtown law firms. The firm’s mission is to offer the finest quality estate and tax planning legal services available today, but at deeply discounted rates. Other Accreditations: Adjunct Professor of Estate Planning, St. Louis University School of Law; Certified Public Accountant (Missouri certificate). Brightside Business and Estate Planning, Inc. Phone: 800-950-0008 Fax: 800-951-0008 3550 McKelvey, Bridgeton, MO 63044 Email: sdelfert@sbcglobal.net Counties Served: Franklin, Jefferson, St. Charles, St. Louis, Washington, Bond, Clinton, Madison, Monroe, Randolph, St. Clair Description: We work with or without your attorney to protect your assets and avoid probate. Other Accreditations: Certified Senior Advisor. Caring Transitions St Louis Phone: 314-962-4200 2850 Lawndell Drive, St. Louis, MO 63144 Email: info@ctstlouis.com Website: www.ctstlouis.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: Caring Transitions St Louis is a senior moving, relocation, downsizing and estate sale service serving Metro St. Louis regionally and Southwestern Illinois. Talk with us about selling the real estate too. Other Accreditations: Certified Relocation & Transition Specialist (CRTS), NAPO, Certified Personal Property Appraiser (CAGA), Senior Move Manager (NASMM), Realtor, GRI, Accredited Auctioneer of Real Estate. Comfort Assurance Group Phone: 314-821-5001 Fax: 314-821-5015 11040 Manchester Rd., Kirkwood, MO 63122 Email: Bill@ComfortLTC.com Website: www.ComfortLTC.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: Long-term care insurance agency. Broker for multiple companies, multiple product options for individuals and businesses. Other Accreditations: Certified in Long-Term Care (CLTC), Certified Senior Advisor (CSA) 176. www.stlouistimes.com. Continuum - Bill Pay Services. Phone: 314-863-9912, 636-861-3336 Fax: 314-863-9918 12882 Manchester Road, Suite 201, St. Louis, MO 63131 Email: info@ContinuumCare.com Website: www.ContinuumCare.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City Description: Our bill pay services are a safe and secure way to help manage month-to-month financial and record keeping chores. Managed by a CPA, Continuum’s bill pay services are designed to help maintain financial independence and to compliment the services of a financial planner, trust office or advisor. Take the worry out of monthly financial chores.. Cornerstone Financial Group/ New England Financial. Phone: 314-567-8388 Fax: 314-567-9996 4 City Place Drive, Suite 150, St. Louis, MO 63141 Email: hmartin@stlouis.nef.com Website: www.heidimartin.nefrep.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: Since 1844, Cornerstone Financial Group, a general agency of New England Life Insurance Company, has delivered comprehensive, state-of-the-art financial solutions to a select group of executives, business owners and other successful individuals and families who have unique planning and wealth management needs. CFG offers a comprehensive suite of financial services that range from life, disability income and long-term care insurance to estate planning, investments and retirement planning. We have representatives in this office licensed and registered to offer products and services in MO and IL. Other Accreditations: NAIFA. Coulson Law Group (The). Phone: 314-567-9292 Fax: 314-567-9294 1125 Olivette Executive Pkwy., Suite 110, St. Louis, MO 63132 Email: tom@coulsonlawgroup.com Website: www.coulsonlawgroup.com Counties Served: Franklin, St. Louis, St. Louis City, Madison, Monroe, St. Clair, Washington Description: Asset preservation trusts, asset preservation planning, life care planning, “Pre-look-back” Medicaid eligibility planning, “Time of need” Medicaid eligibility planning, Medicaid applications and appeals, Veterans aid and attendance benefits planning, Veterans aid and attendance applications, Special needs trusts, Special needs planning, Special needs trust administration, estate planning for special needs families, powers of attorney, wills, trusts and estate planning, guardianships and conservatorships, non-probate estate administration, probate estate administration. NAELA Member? Yes Other Accreditations: Academy of Special Needs Planners, St. Louis Estate Planning Council. County Older Resident Programs. Phone: 314-615-4516 Fax: 314-615-7619 121 South Meramec, Clayton, MO 63105 Website: www.co.st-louis.mo.us/dhs/CORP.html Counties Served: St. Louis.

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(23) -/ WWWSTLELDERLAWCOM WWWSTLELDERLAWCOM WWWSTLELDERLAWCOM WWWSTLELDERLAWCOM MetLife Bank. Get more with a fixed-rate. reverse mortgage A fixed-rate reverse mortgage from MetLife Bank offers the most money available from a federally insured Home Equity Conversion Mortgage (HECM), at an interest rate that may be lower than other lenders.. DH Services. LLC. Daily Business Management Offering personal business concierge service to individuals needing help managing a family member’s or their own daily monetary affairs.. A great rate and more for homeowners age 62 or older: smore money—the fixed-rate HECM offers the highest principal limit allowed in a reverse mortgage smore convenience—all of your funds provided in a lump sum at closing smore security—from a name you trust Call me today for more information. Dennis Cooper, Reverse Mortgage Consultant (636) 259-6713. Don Holt CSA Insured – Bonded. All loans are subject to property approval. Appraised property value may affect loan amount. Certain conditions and fees apply. Mortgage financing provided by MetLife Bank, N.A., Equal Housing Lender. © 2009 METLIFE, INC. L0609041497[exp0610][All States][DC] PEANUTS © United Feature Syndicate, Inc.. 314-966-3032 www.DHsvc.com. 2010 Information For Older Adults Resource Guide. 177.

(24) LEGAL, FINANCIAL & ESTATE PLANNING - Missouri. Michael J. Denk, Attorney at Law Phone: 636-230-3100 Fax: 314-576-5224 600 Mason Ridge Center Drive, Town & Country, MO 63141 Email: mjdenk@hotmail.com Website: www.missouriestateplanning.info Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City Description: Estate Planning Law, Elder Law, Medicaid Long Term Care Planning, Probate Law and Real Estate Law. Prompt and professional legal services provided at a reasonable cost. Twenty years of experience. No charge for initial telephone consultation.. DH Services, LLC Phone: 314-966-3032 Fax: 314-966-3080 1033 Huthmaker Ave., St. Louis, MO 63122 Email: dhservices@charter.net Website: www.dhsvc.com Counties Served: St. Charles, St. Louis, St. Louis City Description: Personal business concierge service for individuals needing help managing a family member’s or their own daily monetary affairs.. Edward Jones Investments Phone: 636-394-8006 Fax: 866-523-4013 113 Old State Road, Suite 102, Ellisville, MO 63021 Email: patrice.toomey@edwardjones.com Website: www.edwardjones.com Counties Served: Franklin, St. Charles, St. Louis, St. Louis City Description: Making sense of investing. Other Accreditations: A.A.M.S.. Elder and Estate Planning Law Firm (The) Phone: 314-918-0088 Fax: 877-580-5204 8780 Big Bend Blvd., Ste. G, Webster Groves, MO 63119 Email: mde@stlelderlaw.com Website: www.stlelderlaw.com Counties Served: Jefferson, St. Charles, St. Louis, St. Louis City Description: Guardianship, Probate, Medicaid Planning and Qualifications, Powers of Attorney, Living Wills & Advance Directives, Living Trusts & Wills, Estate Planning, Nursing Home Placement, Assisted Living Placement, Sale of Home, Estate Sales & Care Planning NAELA Member? Yes. Father Time® Auctions, Estate and Real Estate Auctioneers Phone: 314-962-4200 2850 Lawndell Drive, St. Louis, MO 63144 Email: sold@fathertime.com Website: www.fathertime.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: Estate Specialists, Real Estate Broker, Accredited Auctioneers of Real Estate, Certified Relocation & Transitions Specialist, CRTS, Senior Services Other Accreditations: Missouri Auctioneer License #5717 & 5718; Illinois Auction Firm License # 444.000377; Accredited Auctioneers of Real Estate, Realtor,GRI, Senior Move Manager 178. www.stlouistimes.com. Frontier Mortgage Phone: 314-220-3918 Fax: 314-205-9744 12400 Olive Blvd., Creve Coeur , MO 63141 Email: fourquits@aol.com Website: www.dianequitmeyer.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: If you need help with you mortgage or have other financial concerns I can help you find a solution.. Gershman Mortgage Phone: 314-889-0653 Fax: 314-862-1636 7 No. Bemiston, Clayton, MO 63105 Email: dquitmeyer@gershman.com Website: www.dianequitmeyer.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Washington, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: Reverse Mortgage Specialist - providing special loans for individuals aged 62. Unlike traditional equity loans, no repayment is required until the home is no longer the principal residence.. Christine A. Gilsinan, Attorney at Law Phone: 314-962-0760 Fax: 314-962-8699 34 North Gore Avenue, Suite 103, Webster Groves, MO 63119-2343 Email: hpaulik@solaw.com Website: www.seniorlegalservices.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City Description: Estate planning, trusts, probate, retirement asset planning, beneficiary designations, TIAA-CREF, elder law, Special Needs Trusts, Veterans Benefits, Medicare and Medicaid. NAELA Member? Yes Other Accreditations: Veterans Benefits. IBERIABANK Mortgage Company. Phone: 636-949-7979 Fax: 636-949-7974 2247 Bluestone Drive, St. Charles, MO 63303 Email: andrew.perotti@iberiabankmortgage.com Website: www.bankershomelending.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Washington, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: Providing government insured Reverse Mortgage Programs: FHA, FNMA and Cash Account Programs Other Accreditations: National Reverse Mortgage Lenders Association - NRMLA. Jacobson Financial Group Phone: 636-379-3744 Fax: 636-547-3010 2376 Highway K, O’Fallon, MO 63368-6661 Email: jeff@jacobsonfinancialgrp.com Website: www.jacobsonfinancialgrp.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Madison, St. Clair Description: We provide objective customized solutions to.

(25) Description: LAAW is dedicated to helping victims of abuse in times of crisis. LAAW offers free legal representation at Order of Protection hearings as well as extensive safety planning, social & legal referrals, and other resources.. LEGAL, FINANCIAL & ESTATE PLANNING - Missouri help our clients reach their financial goals. Since 1998, we have been taking the challenges the marketplace presents to produce quality results. With the financial world constantly changing, it’s important for people to have an Advisor they trust and challenges the marketplace for them. Other Accreditations: CFS. Legal Services of Eastern Missouri, Inc.. LegaGroup, LLC Phone: 314-727-3444 Fax: 314-854-9118 231 S. Bemiston Avenue, Suite 800, Clayton, MO 63105 Email: info@legagroup.com Website: www.legagroup.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: LegaGroup, LLC, a St. Louis based financial advisory firm, was founded to provide a disciplined investment experience tailored to each client’s unique situation. As a fee-only Registered Investment Advisor, we are committed to putting each client’s interests ahead of our own interests. Other Accreditations: A CFPA® is a Certified Financial Planner. To learn more about CFPA® Certificants, please visit www.cfp.net.. Legal Advocates for Abused Women. Phone: 314-535-5229 Fax: 314-535-0696 P.O. Box 15137, St. Louis, MO 63110 Email: laaw@sbcglobal.net Website: www.laawstl.org Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City. Phone: 314-534-4200; TTY; 1-800-444-0514 Fax: 314-534-1028 4232 Forest Park Ave., St. Louis, MO 63108 Email: info@lsem.org Website: www.lsem.org Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City Description: Provides free civil legal services to 60+ individuals who are socially and economically disadvantaged, in accord with the Older Americans Act. St. Louis Area Agency on Aging and Mid-East Area Agency on Aging contract with Legal Services of Eastern Missouri to deliver legal assistance to this population.. LTC Specialist (The). Phone: 636-537-0749, 314-956-2757 Fax: 206-350-0271 246 Lansbrooke Dr., Chesterfield, MO 63005 Email: carolkuejoh@aol.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: Independent Insurance Agent specializing in Long Term Care Insurance, Medicare Supplements, Disability Insurance, Life Insurance, and Annunities NAELA Member? No Other Accreditations: Certified Long Term Care (CLTC), Certified Senior Advisor (CSA), Licensed in Missouri and Illinois. Lee Clayton McMurray, P.C.. Home Loans. Gail Hawkins Reverse Mortgage Loan Officer. Tel: 636-728-5007 Cell: 314-650-2171 Fax: 636-728-1926. gail.hawkins@bankofamerica.com 2 THF BLVD, Chesterfield, MO 63005 Equal Housing Lender. Reverse Mortgage Solutions from Bank of America r %FTJHOFEGPSIPNFPXOFSTBHFBOEPMEFS r /PJODPNFPSDSFEJUTDPSFSFRVJSFNFOUT r 4VQQMFNFOUSFUJSFNFOUJODPNF QBZPĈBO FYJTUJOHNPSUHBHFPSDPWFSVOFYQFDUFEFYQFOTFT. To learn more, please contact me today.. A Limited Liability Company Consisting of Member LLCʼS.

(26) . DENNIS B. MERTZ MAVIS KENNEDY, CELA CHRISTINE F. HART Attorneys at Law. South County Senior Law & Estate Planning Center, LLC concentrates in the areas of Elder Law, Estate Planning, Probate and Medicaid Planning and Advocacy, Financial and Health Care Powers of Attorney as well as in the areas of Real Estate, Asset Management, Trust Administration, and Contested Estates. We are located in Oakville Office Center across from Schnuckʼs Market. 5518 Telegraph Road, Suite 102 and 5520 Telegraph Road, Suite 104 St. Louis, Missouri 63129. (314) 845-0541. The choice of a lawyer is an important decision and should not be based solely upon advertisements.. ATTORNEY AT LAW 75 West Lockwood Avenue Suite 222 St. Louis, Missouri 63119. (314) 961-5010 Facsimile: (314) 961-5020 E-mail: leemcmurray@earthlink.net t 4PDJBM4FDVSJUZ %JTBCJMJUZ44* t (VBSEJBOTIJQ $POTFSWBUPSTIJQT t8JMMT1PXFSTPG"UUPSOFZ t 'PSFOTJD.FOUBM)FBMUI. 2010 Information For Older Adults Resource Guide. 179.

(27) LEGAL, FINANCIAL & ESTATE PLANNING - Missouri. MetLife Reverse Mortgage Phone: 636-675-1267 Fax: 518-953-1608 1623 Forestview Ridge Lane, St. Louis, MO 63021 Email: dcooper1623@yahoo.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: Providing Reverse Mortgage information and assistance to homeowners age 62 and older. Allows homeowner to borrow equity from the home on a tax-free basis with no monthly mortgage payment as long as they live in the home for housing issues, estate planning, medical crisis, or transfer of assets.. Midwest Special Needs Trust. Phone: 888-671-1069 Fax: 573-882-3445 1500 Vandiver Drive, Suite 100, Columbia, MO 65202 Email: mftbt@aol.com Website: www.midwestspecialneedstrust.org/ Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: Midwest Special Needs Trust, formerly Missouri Family Trust, is a non-profit organization which protects the financial future of persons with disabilities, as well as their public benefits. MSNT administers First and Third Party Special Needs Trusts, as well as Pooled Medicaid Payback Trusts, with reasonable fees and low minimum balance requirements.. PURCELL & AMEN, L.L.C.. Attorneys at Law. YOUR ESTATE PLANNING & MEDICAID LAW FIRM. Serving Seniors and their Families in the areas of Elder Law, Medicaid Law, Estate Planning, Probate Administration, Veterans Benefits, Estate Disputes, Guardianship/Conservatorship and Estate Planning for the Disabled.. Purcell & Amen, L.L.C. Attorneys at Law. 10805 Sunset Office Drive, Suite 100 St. Louis, Missouri 63127. phone (314) 966-8077 fax (314) 966-5906 webmaster@yourestatematters.com www.YourEstateMatters.com www.MedicaidMissouri.com www.VeteransBenefitsMO.com. Helping You Discover A Solution To Your Family¶s Estate Planning and Medicaid Needs. 180. www.stlouistimes.com. Move Facilitations, LLC (St. Louis Move Helpers) Phone: 314-822-3447 P.O. Box 31803, St. Louis, MO 63131 Email: info@stlmovehelpers.com Website: www.stlmovehelpers.com Counties Served: Jefferson, St. Charles, St. Louis, St. Louis City Description: Moving and estate clearing servics. We support families and their estate advisors needing extra care sorting through personal possessions in a home and arranging packing, shipping, and other related services. Let us help arrange dispostion of remains of an estate. See our listing under “Housing Resources” for additional information about personal, caring moving and relocation services. Let us take on the stress. Bonded and insured. Member of National Association of Senior Move Managers.. Joshua P. Myers - Attorney At Law Phone: 314-361-2700 Fax: 314-361-2052 4500 West Pine Blvd, St. Louis, MO 63108 Email: jm@joshmyerslaw.com Website: www.joshmyerslaw.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Madison, Monroe, St. Clair Description: Missouri & Illinois Injury Attorney specializing in Elder & Nursing Home Abuse. Other Accreditations: Bar Association of Metropolitan St. Louis, Missouri Association of Trial Attorneys. OELBAUM, BROWN & ALSOP, LLC Attorneys at Law. Martha C. Brown* Christine A. Alsop Alicia A. Albus Micah H. Huff M. Brigid Fernandez 220 W. Lockwood, Suite 203 St. Louis, MO 63119 314-962-0186 314-962-1298 FAX Website: www.elderlawstlouis.com Serving seniors and their families in the areas of Elder Law, Medicaid and Long-Term Care Planning, Estate Planning, Life Care Planning Guardianship/Conservatorship Estates, Probate/Trust Administration, Veterans Benefits and Estate Planning for the Disabled including Special Needs Trusts Certified Elder Law Attorney* as certified by the National Elder Law Foundation *Neither the Supreme Court of MO nor the Missouri Bar reviews or approves certifications, organizations or specialist designations. The choice of a lawyer is an important decision and should not be based solely upon advertisements..

(28) Reuter Law Firm. LEGAL, FINANCIAL & ESTATE PLANNING - Missouri. Next Step/Elder Assist (The) Phone: 314-821-9111 Fax: 314-821-7082 2190 S. Mason Rd., Suite 205, St. Louis, MO 63131 Email: mcodyreckert@elderassist.com Website: www.elderassist.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City Description: Medicaid planning & qualification; application filing; programs available for home care, assisted living and nursing home; complete care management services including assessment & on going problem solving; assistance for out-oftown caregivers; home care & community resource referrals; retirement living, assisted living & nursing home placement; medical insurance filing and bill paying.. Oelbaum, Brown & Alsop, LLC Phone: 314-962-0186 Fax: 314-962-1298 220 W. Lockwood, #203, Webster Groves, MO 63119 Email: info@elderlawstlouis.com Website: www.elderlawstlouis.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City Description: Attorneys assisting the elderly and persons with disabilities. NAELA Member? Yes Other Accreditations: CELA (Certified Elder Law Attorney) as certified by the National Foundation of Elder Law Attorneys. Paramount Mortgage Phone: 314-372-4300 347 N. Lindbergh Blvd., St. Louis, MO 63141 Email: ahibbeler@paramountmortgage.com Website: www.paramountmortgage.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, Washington Description: Paramount Mortgage has specialists ready to help seniors make decisions about mortgages and reverse mortgages.. Phone: 314-729-0200 Fax: 314-842-9801 12300 Old Tesson Rd., Suite 100-B, St. Louis, MO 63128 Email: der@ReuterLawFirm.com Website: www.StLouisElderLaw.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City Description: To help families develop and implement a plan of action with an emphasis on advance planning, consistent with the law and our clients’ goals. Specializing in wills, trusts, powers of attorney, health care directives, probate estate administration, trust estate administration, asset protection, Medicaid issues and VA Benefits. NAELA Member? Yes. Ruocco Law Office, LLC Phone: 314-291-1410 Fax: 314-291-1510 3394 McKelvey Rd., #107, 1001 Craig Road, Suite 260, St. Louis, MO 63146 Email: katherine.ruocco@ruoccolaw.com Website: www.ruoccolaw.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: Ruocco Law Office LLC is a dedicated elder law and estate planning firm. Primary focus is on protecting senior citizens facing long-term illness, and incapacity, and protecting assets from nursing home spend down. Additional services include powers of attorney, Medicaid planning, wills, trusts, guardianships, probate, and estate planning. NAELA Member? Yes Other Accreditations: MBA, Accredited Veteran’s Administration Representative. Debra K. Schuster, P.C.. Purcell & Amen LLC, Attorneys at Law Phone: 314-966-8077 Fax: 314-966-5906 10805 Sunset Hills Office Drive, Suite, St. Louis, MO 63127 Email: webmaster@yourestatematters.com Website: www.yourestatematters.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: Purcell & Amen, L.L.C. are estate planning attorneys based in St. Louis, Missouri whose mission is to provide residents of St. Louis and surrounding areas with quality estate planning resources. We offer a free, no obligation consultation with information to make an informed decision about your family’s future. NAELA Member? Yes Other Accreditations: American Academy of Estate Planning Attorneys, St. Louis Estate Planning Council.. Phone: 314-872-2166 Fax: 314-991-8009 1001 Craig Rd., #260, Creve Coeur, MO 63146 Email: dks@dschuster.com Website: www.dschuster.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City Description: Debra Schuster’s practice focuses on the concerns and goals of each client – not just their legal issues. Her practice includes Medicare, durable powers of attorney, guardianship, long-term care and disability, Medicaid and asset protection, abuse, neglect and financial exploitation, estate planning, and special needs trusts. Will go to client’s home if needed.. Signature Appraisals Phone: 314-351-6055 4917 Macklind Ave., St. Louis, MO 63109 Email: babyboomersandbeyond@yahoo.com Website: www.signatureappraisalstl.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City Description: Written Appraisals of Personal Property, Antiques, Art and Vintage Jewelry see our website at www.signatureappraisalstl.com Other Accreditations: American Society of Appraisers. 2010 Information For Older Adults Resource Guide. 181.

(29) LEGAL, FINANCIAL & ESTATE PLANNING - Missouri. South Central Pension Rights Project. Phone: 314-256-8780 Fax: 512-477-6576 4232 Forest Park Ave., St. Louis, MO 63108 Email: rprice@tlsc.org Website: www.southcentralpension.org Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City Description: SCPRP provides legal advice and assistance related to all types of retirement plans. The Project provides attorneys and legal assistants to answer questions about pension laws and how they affect retirement benefits. All of the Project’s services are free of charge.. South County Senior Law & Estate Planning Center, LLC. Phone: 314-845-0541 Fax: 314-845-2580 - Suite 102, 314-845-0573 - Suite 104 5518 Telegraph Road, Suite 102, 5520 Telegraph Road, Suite 104, St. Louis, MO 63129 Website: www.STLseniorlaw.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City Description: South County Senior Law & Estate Planning Center, LLC concentrates in the areas of elder law, estate planning, probate and Medicaid planning and advocacy, financial and health care power of attorney as well as in the areas of real estate, asset management, trust administration, and contested estates. NAELA Member? Yes. St. Louis County Office of Family and Community Services - County Older Resident Programs (CORP) Phone: 314-615-4516 Fax: 314-615-7619 121 South Meramec, Clayton, MO 63105 Website: www.co.st-louis.mo.us Counties Served: St. Louis Description: Simple wills and other legal documents. No litigation.. James R. Stein, L.C.. Phone: 636-441-1733 Fax: 636-442-5001 1258 Jungermann Road, St. Peters, MO 63376-6940 Email: jstein@mail.win.org Website: www.steinestateplanning.com Counties Served: St. Charles, St. Louis, St. Louis City Description: Estate planning, wills, trusts, powers of attorney, elder law, nursing home Medicaid, family law. NAELA Member? Yes Other Accreditations: Missouri Bar Probate & Trust Law Committee; Estate Planning Council of St. Louis. Trusted Advisor Services. Phone: 877-388-8235 Fax: 877-388-8235 Box 45085, St. Louis, MO 63145 Counties Served: Franklin, St. Louis, St. Louis City, Bond, Madison, St. Clair Description: We provide free pre-need, burial insurance, and basic estate planning information. Call today! Other Accreditations: Certified Senior Consultant 182. www.stlouistimes.com. Tutschulte Financial Planning. Phone: 314-682-2331 111 West Port Plaza Drive, Suite 300, St. Louis, MO 63146 Email: Ben@TutschulteFinancialPlanning.com Website: www.TutschulteFinancialPlanning.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: Tutschulte Financial Planning is an independent firm, led by Ben Tutschulte, CERTIFIED FINANCIAL PLANNER. We believe that financial planning is a process, not a product, and specifically tailor each plan accordingly. We maintain a sharp focus on assisting you with achieving your most important financial and life goals. We will always provide thorough education, objective advice, and exceptional service. How may we assist you? Other Accreditations: Certified Financial Planner, Investment Adviser Representative. Wachovia Securities. Phone: 314-746-2967 Fax: 314-862-8727 8112 Maryland Ave, Clayton , MO 63105 Email: Christopher.Coulter@wachoviasec.com Website: www.home.wachoviasecurities.com/ap70 Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Washington, Bond, Clinton, Madison, Monroe, Randolph, St. Clair Description: Our team our financial advisors can help you and/or your family address your specific financial situation. Give us a call today. Other Accreditations: Accredited Asset Management Specialist (AAMS). Watkins Law Firm, PC. Phone: 636-625-6448 Fax: 636-625-3721 9979 WingHaven Boulevard, Suite 210, O’Fallon, MO 63368 Email: office@watlaw.net Website: www.watlaw.net Counties Served: Franklin, St. Charles, St. Louis Description: Our purpose is to educate and assist clients in achieveing their estate planning goals. We guide you through the legal process in order to attain your desired results. We will review and assess your current estate plan at no charge. NAELA Member? Yes. Wealthguard®. Phone: 314-770-1444, 800-951-0008 Fax: 314-770-0321 3550 McKelvey, #106, Bridgeton, MO 63044 Email: brtstl@sbcglobal.net Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: Assisting clients and families to avoid probate, with their attorney or our attorney. Exploratory meeting at no cost to potential client.. Wells Fargo Reverse Mortgage. Phone: 636-922-9848 Fax: 866-851-7806 6140 Mid Rivers Mall Dr, St. Peters, MO 63304 Email: jill.e.allyn@wellsfargo.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: Providing reverse mortgages to homeowners age 62 and older. Allows homeowners to borrow equity from the home on a tax-free basis for housing issues, estate planning, medical.

(30) Who can you trust to help you protect your assets in your Golden Years? At Coulson Elder Law, we make your Golden Years truly golden by helping you to protect your estate from the potentially devastating burden of long-term care costs.. “Your Trusted Advisor on the Elder Care Journey”. Coulson Elder Law is a law firm dedicated to assisting the elderly, the disabled, Veterans, their caregivers and their families. We pride ourselves in our ability to develop individual life care, estate, and asset preservation plans that best address our clients’ needs in a caring and practical way. Our work enables our clients to preserve not only their assets, but also the dignity of knowing they will be able to leave some financial legacy to their loved ones without compromising the quality of care they are able to receive.. Call us today for your FREE telephone consultation. Missouri Office. . Illinois Office. 1125 Olivette Executive Parkway, Suite 110 St. Louis, MO 63132 314.567.9292 314.567.9294 fax . 101 Southpointe Drive, Suite B. 618.659.9292. . . Edwardsville, IL 62025. 618.659.9207 fax. www.coulsonelderlaw.com 2010 Information For Older Adults Resource Guide. 183.

(31) LEGAL, FINANCIAL & ESTATE PLANNING. Illinois Listings. Description: The office is open Monday through Friday from 8:00am to 4:00pm. The agency offers credit counseling, credit report solutions, credit score solutions, and bankruptcy counseling. They will do counseling over the phone or through the Internet.. Coulson Law Group (The) Attorney General State of Illinois Phone: 618-236-8616 Metro East Regional Office, 201 West Pointe Dr., #7, Belleville, IL 62226 Website: www.IllinoisAttorneyGeneral.gov Counties Served: Madison, St. Clair Description: The office is open Monday through Friday 8:45am to 4:45pm. The office handles complaints under the Illinois Consumer Fraud and Deceptive Business Practice Act along with other advocacy services for senior citizens, disabled, crime victims, and veterans.. Leonard F. Berg, Attorney at Law Phone: 618-258-4800 Fax: 618-258-7301 625 S Bellwood Drive, East Alton, IL 62024 Email: lberg@midwest.net Website: www.lbergelderlaw.com Counties Served: Bond, Clinton, Madison, St. Clair Description: Planning for individuals and families who are older or who are disabled. NAELA Member? Yes Other Accreditations: Academy of Special Needs Planners. Chestnut Health Systems Phone: 618-397-0900 12 North 64th Street, Belleville, IL 62226 Website: www.chestnut.org Counties Served: St. Clair Description: The office is open Monday, Thursday, and Friday from 8:00am to 5:00pm, and Tuesday and Wednesday from 8:00am to 8:00pm. This agency offers credit counseling services and bankruptcy counseling.. Chestnut Health Systems Phone: 618-877-4420, 618-877-9220 Fax: 618-877-9526 50 North Industrial Drive, Granite City, IL 62040 Website: www.chestnut.org Counties Served: Madison Description: The office is open Monday through Thursday 8:00am to 8:00pm, and Friday from 8:00am to 5:00pm. This agency offers credit counseling services and bankruptcy counseling.. Clear Point Financial Solutions Phone: 618-222-9222 4505 North Illinois, Swansea, IL 62226 Website: www.clearpointfinancialsolutions.org Counties Served: Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington 184. www.stlouistimes.com. Phone: 618-659-9292 Fax: 618-659-9297 101 Southpointe Dr., 62025, Edwardsville, IL 62025 Email: tom@coulsonlawgroup.com Website: www.coulsonlawgroup.com Counties Served: Franklin, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: Asset preservation trusts, asset preservation planning, life care planning, “Pre-look-back” Medicaid eligibility planning, “Time of need” Medicaid eligibility planning, Medicaid applications and appeals, Veterans aid and attendance benefits planning, Veterans aid and attendance applications, Special needs trusts, Special needs planning, Special needs trust administration, estate planning for special needs families, powers of attorney, wills, trusts and estate planning, guardianships and conservatorships, non-probate estate administration, probate estate administration. NAELA Member? Yes Other Accreditations: Academy of Special Needs Planners, St. Louis Estate Planning Council. Habiger & Associates Elder Law Office Phone: 618-549-4529 Fax: 618-549-4593 200 N. Emerald Lane, Suite 1-B, Carbondale, IL 62901 Email: staff@habigerelderlaw.com Website: www.habigerelderlaw.com Counties Served: Bond, Clinton, Randolph, Washington Description: Our mission is to improve the quality of life for our clients while providing sound legal advice for Long Term Care. NAELA Member? Yes Other Accreditations: Member of the Life Care Planning Law Firms Association, Veterans Benefits, Special Needs Alliance. Harter, Larson & Dodd, LLC Phone: 618-235-6335 Fax: 618-235-6342 201 S. Jackson Street, Belleville, IL 62221 Email: karen@harterlarsondodd.com Website: www.harterlarsondodd.com/index.html Counties Served: St. Clair Description: Attorneys Nancy R. Larson and Heidi E. Dodd provide estate planning for people of all ages with an emphasis on issues affecting the elderly and those with special needs. Legal counsel is available by appointment for Powers of Attorney, Wills and Trusts, Guardianships, Probate, and Mediation. Office hours are Monday through Friday between 8:30 to 5:00. NAELA Member? Yes.

(32) LEGAL, FINANCIAL & ESTATE PLANNING - Illinois. Huffman Law Offices, P.C. Phone: 618-344-9330 Fax: 618-344-9903 2225 North Center, Maryville, IL 62062 Email: mhuffman@huffmanlawoffices.com Website: www.huffmanlawoffices.com Counties Served: Bond, Madison, St. Clair Description: Primary areas of practice is estate planning and elder law. Our firm meets with clients and develops an estate plan that meets their goals. Plans can include POA, wills, trusts, Medicaid planning and asset preservation. We also handle probate and guardianship cases. With a Registered Nurse Elder Care Consultant on staff we can offer assistance with alternative placement and care concerns. Discount available to veterans. NAELA Member? Yes Other Accreditations: Members of the National Care Planning Council, National Association of Professional Geriatric Care Managers. Lackey & Stevenson, P.C. Phone: 618-532-1975 Fax: 618-532-7022 331 East Broadway, Centralia, IL 62801 Email: jts@netwitz.net Counties Served: Jefferson, Bond, Clinton, Washington Description: The office is open Monday through Friday from 8:30am to 5:00pm. The law office handles issues that involve. estate planning, wills, trusts, guardianship, power of attorney, nursing home planning, real estate matters, and financial exploitation. NAELA Member? Yes. Land of Lincoln Legal Assistance Foundation Phone: 618-462-0029 Fax: 618-463-1101 413 East Broadway, Alton, IL 62002 Email: jspiegel@lollaf.org Website: www.lollaf.org Counties Served: Bond, Madison Description: The agency provides free legal services to lowincome persons and senior citizens. They only handle certain types of civil cases. The kinds of problems that they may be able to assist within include: housing, family, consumer, public benefits and health, services for senior citizens and disabled persons, and education. Under these six spectrums there are more specific services.. Land of Lincoln Legal Assistance Foundation Phone: 618-398-0958 Fax: 618-398-4813 8787 State Street, #101, East Saint Louis, IL 62203 Email: mshackleford@lollaf.org Website: www.lollaf.org Counties Served: Bond, Clinton, Madison, Monroe,. Harter, Larson & Dodd, LLC Attorneys at Law. Estate Planning Wills & Trusts • Elder Law Special Needs Trusts Powers of Attorney • Mediation Probate Avoidance • Probate Gifting • Guardianships Real Estate Matters 201 South Jackson Street Belleville, IL 62220. (618) 235-6335. STROKE TARGETS BY COLOR. Know where you stand. The odds are African Americans are twice as likely to suffer a stroke as white Americans.. Photographed by Sean Kennedy Santos. Beating the odds isn’t about winning, it’s about living. You have the power to end stroke. 1-888-4-STROKE / StrokeAssociation.org. FAX: (618) 235-6342. 219 East Main Street Mascoutah, IL 62258. (618) 566-2911. 2010 Information For Older Adults Resource Guide. 185.

(33) LEGAL, FINANCIAL & ESTATE PLANNING - Illinois Randolph, St. Clair, Washington Description: The office is open Monday through Friday from 9:00am to 5:00pm. The office is closed from noon to 1:00pm for lunch. The agency provides free legal services to low-income persons and senior citizens. The lawyers may be able to help with housing, family law, consumer, public benefit, and health issues. Services for seniors also include wills, power of attorney, and nursing home quality of care issues. K Vertis 285460. Madison County Urban League Phone: 618-463-1906 Fax: 618-463-9021 210 William Street, Alton, IL 62002 Counties Served: Bond, Clinton, Madison, Monroe, St. Clair, Washington Description: The office is open Monday through Thursday from 8:00am to 4:00pm, and Friday from 8:00am to 12:00pm. We provide reverse mortgage counseling.. Cathy Roesch eBay Training Academy Phone: 618-233-1000 Fax: 618-233-2190 304 South 52nd Street, Belleville, IL 62226 Email: croesch@cathyroesch.com Website: www.cathyroesch.com Counties Served: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, Bond, Clinton, Madison, Monroe, Randolph, St. Clair, Washington Description: I’m Cathy Roesch, an eBay Education Specialist trained by eBay, and eBay store business owner based in St Louis, Missouri. I will teach you how to How to Sell on eBay Auctions effectively, train you to be an eBay auctioneer and explain how to collect your payments through a PayPal account cash-flow strategy. Other Accreditations: eBay Education Specialist Professional Organizer (NAPO), Online Auction Specialist, Senior Move Manager (NASMM), Certified Personal Property Appraiser (CAGA, Real Estate Agent. Kristi Vetri, Attorney at Law Phone: 618-257-8563 Toll-free 1-877-632-7072 Fax: 618-257-8598 5005 West Main Street, Belleville, IL 62226 Email: klauer06@mindspring.com Website: www.kristivetri.com Counties Served: Bond, Clinton, Madison, Monroe, St. Clair, Washington Description: Full service elder law practice including special needs and disability planning; special needs trusts; Medicare set aside trusts; pooled trusts; life care and longevity planning; social security, Medicare, and Medicaid; housing; VA benefits; guardianships; estate planning (wills, revocable living trusts, powers of attorney, and health care documents); nursing home litigation. NAELA Member? Yes Other Accreditations: Academy of Special Needs Planners, Elder Law Section Council of the Illinois Bar Association. Also licensed in South Dakota.. 186 7/26/02 9:16 www.stlouistimes.com PM 95510285_5.75x10.5barn.

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