BUSINESS PHILOSOPHY

“What you do unto the least of these, you do unto me” --Gospel of Matthew 25:40.

People with Development Disabilities, or an adult onset disability, need all the proper financial and legal assistance to protect their assets and enhance their quality of life.

Government benefits eligibility for SSI and Medicaid.
Review guardian arrangements, conservatorship, and client self-determination and advocacy issues.
Determine appropriate funding/asset preservation vehicles.
Develop a team approach with qualified attorneys and advisors.
To develop a plan unique to your family’s needs.
Is Veterans Administration Improved Aid and Attendance Income a consideration?

 

PRODUCTS AND SERVICES OFFERED

Financial Issues and Strategies
Securities Questions
Protection Products/Insurance/Annuities
Special Needs Trust Coordination
*Special Needs Trust Funding Strategies
Special Needs Trust Asset Management Strategies
*Special Needs Trust Tax Strategies
Medicare Parts C & D Issues
*Medicaid Planning Issues
Qualified Medicaid Funeral Trust Funding
Veteran’s Improved Pension Income Issues
*Tax Planners of America Affiliation
Medicaid Qualified Funeral Trust
Not all products and services are offered by MassMutual

* These services are available through the team of professionals developed by the advisor including but not limited to: CPA's, Attorneys, etc.

QUALIFICATIONS

30+ years in the Financial Services Industry
15+ years of focus in the Special Needs Community
Chartered Financial Consultant (ChFC®) and Elder Care case work with Attorneys and Qualified Providers.

 

PERSONAL

B.S. Ohio State University
CLU® and ChFC® from The American College

Charles Locy is a registered representative of and offers securities, investment advisory, and financial planning services through MML Investors Services, LLC.  Member SIPC. OSJ: 3825 Edwards Road, Suite 210, Cincinnati, OH 45209. 513.579.8555.

Education

The Ohio State University 1977-1979

Hobbies

Writing having authored four books. Guitar playing and performing

Affiliations & Memberships

Member of the Financial Industry Regulatory Authority, Inc.

Community Involvement

Active member of Fishing Has No Boundaries-an annual fishing event for people with a disability.