Our Services

Long-term Care Planning
At Micel Financial, we help families qualify for Medicaid and/or Veterans Aid and Attendance Benefit to assist with the cost of an eminent long-term care need. Having gone through the process with our own family members several times, we recognize how confusing and tedious it can be to wade through the swamp of bureaucracy to qualify for government assistance – and how scary that is when your loved one needs immediate care. By guiding our clients through this process with education and communication, we are able to provide outstanding service and have a superior track record of getting our clients their maximum level of assistance.

We also help families in a preplanning stage to plan strategically for the future by developing asset protection strategies that fit their unique financial situation. Long-term care planning is our specialty and our goal is to preserve and protect as much of your family's estate as possible – leaving your legacy intact for children, church or charity.

Financial Planning
Our Certified Financial Planners also work with individuals to set and achieve long-term financial goals through investments, tax planning, asset allocation, risk management, retirement planning and estate planning. The focus of a financial plan is to find ways to increase your net worth and help you accomplish all of your financial objectives – we can help get you there.

Our specialties include non-qualified or selective plans, which focus on tax efficiency, cost effectiveness and stability. When appropriate, we use leverage to achieve unparalleled results. We understand that the more wealth you accumulate, the more options, obstacles and challenges you face. We can help you understand your financial options and guide you to a better way of life now and in the future.

Investment advice is offered by Horter Investment Management, LLC, a Registered Investment Adviser. Insurance and annuity products are sold separately through Micel Financial, LLC. Securities transactions for Horter Investment Management clients are placed through Pershing Advisor Solutions and Trust Company of America.