Strategic Medicaid Readiness for Palm Harbor, FL.Retirees.

Navigate Medicaid qualification, preserve your assets, and safeguard your legacy with faith-based, expert guidance in Palm Harbor and the Tampa Bay area.

A Higher Standard for Medicaid Qualification

Protecting your Assets while securing care.

Preparing for long-term care can be daunting, especially when facing the fear of losing everything to nursing home costs. 7th Day Financial offers a specialized Medicaid readiness process designed for Florida families and retirees who want to preserve their savings and qualify for benefits—without falling into the 'spend-down' trap that leads to unnecessary impoverishment.

Our approach combines deep technical expertise with a faith-based commitment to stewardship. We help you navigate the complex Florida Medicaid rules, ensuring your hard-earned assets are legally protected and you remain eligible for the care you deserve.

From complimentary asset reviews to custom preservation strategies, our team acts as a trusted guide, removing confusion and allowing you to focus on what matters most: your health, your family, and your legacy.

Faith-Guided Expertise You Can Trust

Experience, Integrity, and Local Authority.

With over 40 years of financial experience, principal Berkley C. Badger leads our Medicaid planning services, combining technical mastery with a unique fiduciary-plus standard.

Our Palm Harbor office serves as a central hub for Pinellas County and the greater Tampa Bay region, providing personalized solutions rooted in ethical stewardship. Unlike generic financial firms, we understand the emotional and spiritual dimensions of preparing for Medicaid eligibility.

Our mission is to serve families with the same care we’d want for our own, offering transparent advice, clear communication, and zero hidden referral fees. Our perfect 5-star client rating, along with deep expertise in Florida-specific Medicaid requirements, ensures you receive guidance you can trust at every stage.

How Our Medicaid Readiness Service Works

Step-by-Step guidance for peace of mind.

Our Medicaid readiness process starts with a complimentary review of your current assets, including IRAs, annuities, and non-qualified accounts. We identify opportunities to reposition savings into protected vehicles, such as proprietary annuity certificates—engineered to avoid stock, bond, or commodity risk.

Next, we conduct a thorough analysis of Florida’s Medicaid eligibility rules, focusing on asset thresholds and allowable transfers. Our team helps implement preservation strategies that may include irrevocable trusts, compliant gifting, and resource restructuring—always within the boundaries of state regulations.

We coordinate with trusted legal counsel when advanced planning is required and provide ongoing support so your plan remains up to date as regulations change. Throughout, our faith-driven approach ensures decisions are made with your values and legacy in mind.

Reassurance for You and Your Loved Ones

Build a Legacy,

not just a safety net.

Medicaid readiness is about more than checking boxes on an application; it’s about ensuring your life’s work benefits those you love and supports your continued well-being.

At 7th Day Financial, we address not only the technical hurdles but also the emotional barriers—such as the fear that planning for care may hasten the need for it, or that Medicaid qualification means losing everything. Our team walks alongside you, providing compassionate guidance and practical solutions. We believe in building legacies that reflect your faith, values, and desire for the next generation to thrive.

With our support, you can approach the future with clarity and peace of mind, confident that you’ve protected your assets and your family’s future in accordance with both the law and your beliefs.

Answers to Common Medicaid Readiness Questions

Your Medicaid Planning concerns addressed.