Elder Care and Bankers

Bankers Offer Elder Care?

Should you trust your banker to provide eldercare services too? Banks are offering elder care services to help aging clients. Can you trust them?

The term “banker” is used broadly to cover local banks, trust companies, brokers and advisers. Some institutions, like trust companies, take their fiduciary responsibilities seriously – it’s part of the corporate culture. They take their client’s trust seriously.

Consolidating assets is bank-speak for “Give us all your money.”

Maybe it’s because most trust company clients are pretty sophisticated. They’re more likely to have a legal adviser who will question any improprieties.  Trust companies depend on professional recommendations and referrals to grow their revenues and I think they’re less likely to exploit an elderly client because of this.

Not so the retail brokers and neighborhood bank branches. They have revenue goals and many are paid on commissions which is a potential conflict of interest.  They’re great at building relationships but often are weak on financial product knowledge and elder law issues.

Firms like Merrill Lynch and Wells Fargo have elder services. The idea is to help make life simpler for the elderly by “consolidating assets”,  which translates to “give us all your money.” The client and the client’s family can benefit by consolidating assets. It’s easier to track, protect and transfer assets when they’re all in one spot.

Just be careful about which institution you choose.  Trust companies are better equipped to provide legal council and fee based services. Some brokers are paid commissions on transactions which means they may be tempted to recommend big pay-day products (like annuities) instead of liquid but low commission products like treasury bills.

It may make sense to contact a top quality firm like Fiduciary Trust Company in Boston to help consolidate and manage assets but many trust companies have large minimum account size requirements.

Final advice: don’t abdicate responsibility to any institution.

See  Beyond Estate Planning: Bankers Tackle Elder Care

Wall Street Journal:

1,193 thoughts on “Elder Care and Bankers”

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  117. Today, I went to the beach front with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!

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  120. Hi there! This is kind of off topic but I need some advice from an established blog. Is it difficult to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about setting up my own but I’m not sure where to start. Do you have any points or suggestions? Thanks

  121. Have you ever thought about creating an ebook or guest authoring on other blogs? I have a blog based on the same subjects you discuss and would really like to have you share some stories/information. I know my audience would appreciate your work. If you are even remotely interested, feel free to shoot me an email.

  122. I’m really enjoying the theme/design of your website. Do you ever run into any web browser compatibility problems? A couple of my blog readers have complained about my site not operating correctly in Explorer but looks great in Safari. Do you have any advice to help fix this issue?

  123. I am really loving the theme/design of your site. Do you ever run into any browser compatibility issues? A handful of my blog readers have complained about my blog not operating correctly in Explorer but looks great in Opera. Do you have any ideas to help fix this issue?

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  126. I know this if off topic but I’m looking into starting my own blog and was wondering what all is needed to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very web smart so I’m not 100% positive. Any tips or advice would be greatly appreciated. Appreciate it

  127. Hey there would you mind sharing which blog platform you’re working with? I’m looking to start my own blog in the near future but I’m having a tough time selecting between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design seems different then most blogs and I’m looking for something completely unique. P.S My apologies for getting off-topic but I had to ask!

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  129. I was wondering if you ever thought of changing the layout of your website? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or two pictures. Maybe you could space it out better?

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  138. Have you ever considered creating an ebook or guest authoring on other websites? I have a blog centered on the same subjects you discuss and would love to have you share some stories/information. I know my subscribers would appreciate your work. If you are even remotely interested, feel free to send me an email.

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  176. I know this if off topic but I’m looking into starting my own blog and was curious what all is required to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very web savvy so I’m not 100% sure. Any recommendations or advice would be greatly appreciated. Many thanks

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  178. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

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  197. When I originally commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get four e-mails with the same comment. Is there any way you can remove me from that service? Cheers!

  198. My coder is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using WordPress on several websites for about a year and am worried about switching to another platform. I have heard good things about blogengine.net. Is there a way I can import all my wordpress content into it? Any help would be really appreciated!

  199. I’m really loving the theme/design of your site. Do you ever run into any internet browser compatibility problems? A number of my blog audience have complained about my site not working correctly in Explorer but looks great in Opera. Do you have any recommendations to help fix this issue?

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  204. My developer is trying to convince me to move to .net from PHP. I have always disliked the idea because of the expenses. But he’s tryiong none the less. I’ve been using Movable-type on a number of websites for about a year and am nervous about switching to another platform. I have heard excellent things about blogengine.net. Is there a way I can import all my wordpress content into it? Any kind of help would be really appreciated!

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  207. Hello there! I know this is kinda off topic but I was wondering if you knew where I could locate a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having difficulty finding one? Thanks a lot!

  208. Hello, i read your blog occasionally and i own a similar one and i was just curious if you get a lot of spam comments? If so how do you protect against it, any plugin or anything you can suggest? I get so much lately it’s driving me crazy so any help is very much appreciated.

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  210. I know this if off topic but I’m looking into starting my own weblog and was wondering what all is needed to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very web savvy so I’m not 100% certain. Any tips or advice would be greatly appreciated. Cheers

  211. Hello! I just wanted to ask if you ever have any issues with hackers? My last blog (wordpress) was hacked and I ended up losing a few months of hard work due to no data backup. Do you have any methods to stop hackers?

  212. Superb blog! Do you have any tips and hints for aspiring writers? I’m hoping to start my own website soon but I’m a little lost on everything. Would you suggest starting with a free platform like WordPress or go for a paid option? There are so many options out there that I’m totally overwhelmed .. Any suggestions? Many thanks!

  213. Hello, i read your blog occasionally and i own a similar one and i was just wondering if you get a lot of spam feedback? If so how do you protect against it, any plugin or anything you can suggest? I get so much lately it’s driving me crazy so any help is very much appreciated.

  214. I’m really enjoying the theme/design of your web site. Do you ever run into any internet browser compatibility problems? A handful of my blog visitors have complained about my site not working correctly in Explorer but looks great in Opera. Do you have any advice to help fix this issue?

  215. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

  216. Hi there, i read your blog from time to time and i own a similar one and i was just curious if you get a lot of spam feedback? If so how do you reduce it, any plugin or anything you can recommend? I get so much lately it’s driving me mad so any assistance is very much appreciated.

  217. First off I would like to say fantastic blog! I had a quick question that I’d like to ask if you do not mind. I was curious to find out how you center yourself and clear your head before writing. I have had trouble clearing my mind in getting my ideas out. I truly do enjoy writing however it just seems like the first 10 to 15 minutes are usually lost just trying to figure out how to begin. Any suggestions or tips? Cheers!

  218. Today, while I was at work, my sister stole my apple ipad and tested to see if it can survive a 30 foot drop, just so she can be a youtube sensation. My apple ipad is now broken and she has 83 views. I know this is totally off topic but I had to share it with someone!

  219. Awesome blog! Do you have any tips for aspiring writers? I’m planning to start my own website soon but I’m a little lost on everything. Would you recommend starting with a free platform like WordPress or go for a paid option? There are so many options out there that I’m completely confused .. Any recommendations? Thanks!

  220. First of all I would like to say great blog! I had a quick question in which I’d like to ask if you don’t mind. I was curious to find out how you center yourself and clear your thoughts before writing. I’ve had a difficult time clearing my mind in getting my thoughts out there. I truly do take pleasure in writing however it just seems like the first 10 to 15 minutes are wasted just trying to figure out how to begin. Any recommendations or hints? Many thanks!

  221. I am really enjoying the theme/design of your weblog. Do you ever run into any browser compatibility issues? A few of my blog audience have complained about my blog not working correctly in Explorer but looks great in Opera. Do you have any suggestions to help fix this problem?

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  223. Hmm it looks like your website ate my first comment (it was super long) so I guess I’ll just sum it up what I wrote and say, I’m thoroughly enjoying your blog. I too am an aspiring blog writer but I’m still new to the whole thing. Do you have any tips and hints for beginner blog writers? I’d definitely appreciate it.

  224. I know this if off topic but I’m looking into starting my own blog and was wondering what all is needed to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet smart so I’m not 100% sure. Any recommendations or advice would be greatly appreciated. Cheers

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  228. My developer is trying to convince me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using WordPress on numerous websites for about a year and am nervous about switching to another platform. I have heard excellent things about blogengine.net. Is there a way I can transfer all my wordpress posts into it? Any kind of help would be greatly appreciated!

  229. Hey! I know this is somewhat off topic but I was wondering which blog platform are you using for this website? I’m getting tired of WordPress because I’ve had problems with hackers and I’m looking at alternatives for another platform. I would be fantastic if you could point me in the direction of a good platform.

  230. With havin so much content and articles do you ever run into any issues of plagorism or copyright violation? My blog has a lot of exclusive content I’ve either written myself or outsourced but it appears a lot of it is popping it up all over the web without my permission. Do you know any solutions to help prevent content from being stolen? I’d certainly appreciate it.

  231. Hi there would you mind sharing which blog platform you’re working with? I’m planning to start my own blog soon but I’m having a difficult time making a decision between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design seems different then most blogs and I’m looking for something unique. P.S Apologies for being off-topic but I had to ask!

  232. Hi there are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started and create my own. Do you require any html coding expertise to make your own blog? Any help would be greatly appreciated!

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  236. Hey there! I know this is kinda off topic but I was wondering which blog platform are you using for this site? I’m getting tired of WordPress because I’ve had problems with hackers and I’m looking at alternatives for another platform. I would be great if you could point me in the direction of a good platform.

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  241. I don’t know whether it’s just me or if perhaps everyone else experiencing problems with your site. It seems like some of the written text on your content are running off the screen. Can somebody else please comment and let me know if this is happening to them as well? This may be a issue with my browser because I’ve had this happen previously. Kudos

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  245. Hello are using WordPress for your blog platform? I’m new to the blog world but I’m trying to get started and create my own. Do you need any coding expertise to make your own blog? Any help would be really appreciated!

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  248. Howdy! This is kind of off topic but I need some guidance from an established blog. Is it very difficult to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about setting up my own but I’m not sure where to begin. Do you have any tips or suggestions? Cheers

  249. I was wondering if you ever considered changing the page layout of your blog? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or two images. Maybe you could space it out better?

  250. My programmer is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using WordPress on various websites for about a year and am worried about switching to another platform. I have heard good things about blogengine.net. Is there a way I can transfer all my wordpress content into it? Any kind of help would be greatly appreciated!

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  252. I am really loving the theme/design of your weblog. Do you ever run into any browser compatibility problems? A small number of my blog readers have complained about my site not operating correctly in Explorer but looks great in Firefox. Do you have any recommendations to help fix this problem?

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  254. Howdy just wanted to give you a quick heads up and let you know a few of the images aren’t loading correctly. I’m not sure why but I think its a linking issue. I’ve tried it in two different web browsers and both show the same results.

  255. Hello there! I know this is somewhat off topic but I was wondering if you knew where I could find a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having problems finding one? Thanks a lot!

  256. Please let me know if you’re looking for a author for your weblog. You have some really great articles and I think I would be a good asset. If you ever want to take some of the load off, I’d absolutely love to write some articles for your blog in exchange for a link back to mine. Please send me an email if interested. Cheers!

  257. With havin so much content and articles do you ever run into any problems of plagorism or copyright infringement? My website has a lot of exclusive content I’ve either written myself or outsourced but it appears a lot of it is popping it up all over the internet without my authorization. Do you know any methods to help reduce content from being ripped off? I’d certainly appreciate it.

  258. Hi there, i read your blog occasionally and i own a similar one and i was just curious if you get a lot of spam comments? If so how do you prevent it, any plugin or anything you can suggest? I get so much lately it’s driving me mad so any assistance is very much appreciated.

  259. My programmer is trying to convince me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using Movable-type on a number of websites for about a year and am anxious about switching to another platform. I have heard great things about blogengine.net. Is there a way I can import all my wordpress content into it? Any kind of help would be really appreciated!

  260. Today, I went to the beach with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!

  261. Good day! I know this is kind of off topic but I was wondering if you knew where I could locate a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having problems finding one? Thanks a lot!

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  265. Hey! I know this is kinda off topic but I’d figured I’d ask. Would you be interested in trading links or maybe guest writing a blog post or vice-versa? My blog discusses a lot of the same topics as yours and I feel we could greatly benefit from each other. If you’re interested feel free to send me an e-mail. I look forward to hearing from you! Awesome blog by the way!

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  271. Hmm is anyone else encountering problems with the pictures on this blog loading? I’m trying to determine if its a problem on my end or if it’s the blog. Any responses would be greatly appreciated.

  272. Today, I went to the beach with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is totally off topic but I had to tell someone!

  273. Have you ever thought about adding a little bit more than just your articles? I mean, what you say is fundamental and all. However think of if you added some great pictures or videos to give your posts more, “pop”! Your content is excellent but with pics and videos, this site could definitely be one of the greatest in its niche. Very good blog!

  274. First off I would like to say superb blog! I had a quick question that I’d like to ask if you do not mind. I was interested to find out how you center yourself and clear your thoughts prior to writing. I have had a hard time clearing my thoughts in getting my ideas out there. I truly do enjoy writing but it just seems like the first 10 to 15 minutes are usually wasted just trying to figure out how to begin. Any recommendations or tips? Kudos!

  275. I don’t know if it’s just me or if everyone else encountering problems with your website. It appears like some of the written text in your content are running off the screen. Can someone else please provide feedback and let me know if this is happening to them too? This could be a problem with my browser because I’ve had this happen before. Thank you

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  277. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

  278. Hey there! Someone in my Myspace group shared this website with us so I came to give it a look. I’m definitely loving the information. I’m bookmarking and will be tweeting this to my followers! Terrific blog and brilliant style and design.

  279. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

  280. Hey there! I know this is kinda off topic nevertheless I’d figured I’d ask. Would you be interested in trading links or maybe guest authoring a blog post or vice-versa? My site covers a lot of the same subjects as yours and I think we could greatly benefit from each other. If you might be interested feel free to shoot me an email. I look forward to hearing from you! Awesome blog by the way!

  281. My developer is trying to convince me to move to .net from PHP. I have always disliked the idea because of the expenses. But he’s tryiong none the less. I’ve been using WordPress on a number of websites for about a year and am nervous about switching to another platform. I have heard good things about blogengine.net. Is there a way I can import all my wordpress posts into it? Any help would be greatly appreciated!

  282. Hey this is kinda of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding knowledge so I wanted to get advice from someone with experience. Any help would be greatly appreciated!

  283. Good day! Would you mind if I share your blog with my myspace group? There’s a lot of people that I think would really enjoy your content. Please let me know. Many thanks

  284. Hi would you mind sharing which blog platform you’re using? I’m going to start my own blog in the near future but I’m having a difficult time selecting between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your layout seems different then most blogs and I’m looking for something unique. P.S Sorry for being off-topic but I had to ask!

  285. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

  286. Hey there would you mind stating which blog platform you’re working with? I’m looking to start my own blog in the near future but I’m having a tough time choosing between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design seems different then most blogs and I’m looking for something completely unique. P.S Apologies for getting off-topic but I had to ask!

  287. Hey there! Someone in my Myspace group shared this site with us so I came to take a look. I’m definitely loving the information. I’m bookmarking and will be tweeting this to my followers! Fantastic blog and outstanding design and style.

  288. Have you ever considered about adding a little bit more than just your articles? I mean, what you say is important and everything. However imagine if you added some great images or video clips to give your posts more, “pop”! Your content is excellent but with images and clips, this website could certainly be one of the very best in its field. Wonderful blog!

  289. It’s a shame you don’t have a donate button! I’d without a doubt donate to this outstanding blog! I guess for now i’ll settle for book-marking and adding your RSS feed to my Google account. I look forward to brand new updates and will talk about this site with my Facebook group. Talk soon!

  290. Cool blog! Is your theme custom made or did you download it from somewhere? A theme like yours with a few simple tweeks would really make my blog jump out. Please let me know where you got your design. Thanks a lot

  291. Do you mind if I quote a few of your articles as long as I provide credit and sources back to your blog? My blog is in the exact same area of interest as yours and my users would genuinely benefit from some of the information you present here. Please let me know if this ok with you. Regards!

  292. Have you ever thought about writing an ebook or guest authoring on other websites? I have a blog based upon on the same ideas you discuss and would really like to have you share some stories/information. I know my readers would value your work. If you are even remotely interested, feel free to send me an e mail.

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  295. Hi this is kinda of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding know-how so I wanted to get advice from someone with experience. Any help would be greatly appreciated!

  296. Have you ever thought about writing an ebook or guest authoring on other blogs? I have a blog based on the same topics you discuss and would love to have you share some stories/information. I know my subscribers would value your work. If you’re even remotely interested, feel free to shoot me an e mail.

  297. Please let me know if you’re looking for a writer for your blog. You have some really great posts and I feel I would be a good asset. If you ever want to take some of the load off, I’d love to write some articles for your blog in exchange for a link back to mine. Please send me an email if interested. Kudos!

  298. Howdy would you mind sharing which blog platform you’re using? I’m going to start my own blog in the near future but I’m having a difficult time making a decision between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design seems different then most blogs and I’m looking for something completely unique. P.S My apologies for being off-topic but I had to ask!

  299. First off I would like to say superb blog! I had a quick question that I’d like to ask if you do not mind. I was curious to know how you center yourself and clear your mind before writing. I’ve had a difficult time clearing my thoughts in getting my thoughts out there. I truly do take pleasure in writing but it just seems like the first 10 to 15 minutes are wasted simply just trying to figure out how to begin. Any recommendations or tips? Many thanks!

  300. Good day I am so grateful I found your blog, I really found you by mistake, while I was searching on Google for something else, Anyways I am here now and would just like to say kudos for a marvelous post and a all round interesting blog (I also love the theme/design), I don’t have time to browse it all at the moment but I have book-marked it and also added in your RSS feeds, so when I have time I will be back to read much more, Please do keep up the great work.

  301. I am really loving the theme/design of your web site. Do you ever run into any browser compatibility problems? A small number of my blog audience have complained about my blog not operating correctly in Explorer but looks great in Firefox. Do you have any solutions to help fix this problem?

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