You begin by calling the ERBC call center to schedule an appointment with one of our consultants. At the initial consultation a overview financial analysis will be performed and several different funding options will be discussed.
At the conclusion of your consultation, you will have a thorough understanding of your income and expense situation. Should you wish to engage The Servaes Consulting Group, LLC, you will receive an engagement agreement and through a series of calls, finalize your Cash Flow Analysis.
What will you need for your initial phone consultation?
You will need to have the following information for your consultation with
- Monthly Income
Monthly Income from all sources
Including Distributions from IRA, 401K and other deferred retirement accounts
Rental property reportable income
All other Income
- Unreimbursed Medical Expenses
Medical Insurance Premiums
Long Term Care Insurance Premiums and Reimbursement Rates
Monthly Assisted Living Fees
Homecare or Adult Day Care Costs
Assets – excluding car and personal jewelry and furnishings:
- Cash, checking accounts, money market savings etc.
- Amount in IRAs/401K other deferred retirement plans please know the annual minimum distribution and any amounts taken this fiscal year
- Cash Surrender Value of Annuities, Purchase Date & Purchase Price
- Stocks, Bonds and other Investments
- Investment properties (excluding primary home)
- Face Value of Whole Life Insurance Policies
- Estimated value of primary home after payment of mortgages and other loans
- Square Footage of the property the Primary home sits on and if it can be subdivided.
As a Cash Flow Analysis client of The Servaes Consuting Group, LLC, should you decide to pursue the VA’s Aid and Attendance application, at no-charge their VA accredited agent will:
Coach you through the entire process.
Set your expectations – the time to the release of funds can vary dependant upon many factors.
Create your application – using documents you provide, their VA accredited agent will populate the VA forms and share their expertise with you. These options will be discussed in detail with you during your initial consultation.
Representation by a VA Accredited Agent – Full Consulting Clients are assigned a VA-Accredited Agent as their representative with the VA.
Be there for you – from filing to funds release. As the VA asks you questions, you are provided with valuable insight on how to navigate the intricacies of the system.
Regarding the pursuit of a claim for pension with the VA, a topic that has garnered much discussion – Individuals are permitted to charge a modest fee for providing pre-application consulting. However, once you express an intent to pursue benefits, you have become a claimant for VA purposes (38 CFR 14.627(g), and any representation work performed on your behalf from that point forward is provided strictly without charge.