About Sara Guida, the Funeral Trust Gal
I help families pay for a funeral ahead of time and protect their savings during a Medicaid spend down. Most of the people I work with are adult children trying to do right by a mom or dad. They are tired, worried about money, and short on time. My job is to make one part of that easier.
What I Do
I am a licensed insurance agent. I set up irrevocable funeral trusts through two highly rated insurance companies. Your money goes into a whole life policy that the trust owns, so it is locked in for your funeral and protected from a Medicaid spend down, up to your state's limit.
I offer funeral trusts in every state except Michigan and New York. I meet families in person in the Omaha and Council Bluffs area and work by phone everywhere else.
Why I Focus on Funeral Trusts
Too many families find out about funeral trusts after the money is gone. They spend down savings on the nursing home bill, then pay for the funeral out of their own pockets. A funeral trust prevents both problems in one step.
I also see families buy revocable prepaid plans that Medicaid still counts, or keep burial money in a savings account where only $1,500 is protected. These are easy mistakes to avoid with the right information.
How I Work With You
I explain your state's rules in plain words.
I match the trust to the real cost of a funeral where you live.
I check your state's limit before you fund anything.
I work alongside your elder law attorney or Medicaid caseworker if you have one.
I never pressure anyone to buy.
Part of the Aging Parent Resource Center
Funeral Trust Gal is part of the Aging Parent Resource Center, a free education hub for families caring for aging parents. Visit the Aging Parent Resource Center for guides on caregiving, Medicaid, and planning ahead.
Let's Talk
One call shows you your state's limit, what a funeral costs where you live, and how much a trust can protect. There is no cost and no obligation.
Funeral Trust Gal is part of the Aging Parent Resource Center.
Sara Guida is a licensed insurance agent, not an attorney, and does not represent any state Medicaid agency. Content on this site is general education, not legal or financial advice. Medicaid rules and funeral trust limits vary by state.