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Are You Caring
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With Alzheimer’s?

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Do you or someone
you know need care,
but don’t how to pay for it?

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Plan For Vulnerable
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Safeguard Your Estate,
While Providing For

• A Child With a Destructive Lifestyle
• Loved Ones with Special Needs
• You or Your Spouse After a Diagnosis
• Your Beneficiaries’ Future Divorces
Don’t Go Broke
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Everything You Need to Know
to Keep Your Family Safe
from Financial Devastation
Little Known Veterans
Benefits Revealed

Veterans Over 65
May Qualify for
up to $2,127/month
to Pay for Assisted Living,
Nursing Home,
Even In-Home Care!
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Attend One of Our Free Workshops!

Attend a complementary workshop so that you can ask your questions and get some answers – fast.   Our workshops provide Missouri seniors with exactly what you need to know to protect yourself from becoming out of money and out of options during your lifetime. We host complimentary workshops throughout the Chesterfield area!

Check out the listings on the right side of this page to find an event in your area.

Don’t wait!  Seating is limited, so reserve your space NOW!

Here's just some of what you will discover...
  • How to avoid having your life savings wiped out by a nursing home
  • How new laws restrict protection of assets, and the steps you should take now to protect yourself and your loved ones.
  • Veteran’s benefits to pay for care that most people know nothing about.
  • How to keep your surviving spouse from living in poverty when you’re gone.
And Much More!RSVP-Today2

Workshops and Events

Don't see any events listed? Call (636) 394-0009 today for info on our upcoming workshops!

Estate Planning Seminars

Is a diagnosis of chronic illness threatening your legal and financial well-being?
Are you approaching 65 and ready to get your “ducks in a row?”
Are you sure you have a comprehensive estate plan in place that will truly protect you and your family?

If you’ve recently experienced a significant life change, it’s likely time to see an elder law and estate planning attorney.  At Vouga Elder Law & Estate Planning, we’re here to be your trusted guide, helping to navigate the waters of:

  • Diagnosis of Memory Loss, Dementia, Alzheimer’s, Multiple Sclerosis, ALS or Parkinson’s Disease
  • Nursing home care – and finding a way to pay for it
  • Marriages, remarriages, or divorce protection
  • The death of a family member
  • Providing for your children at different stages of their lives

Whether you’re a healthy, vigorous senior looking to put an estate plan in order, or having a time of crisis as you try to pay for nursing home care, there is often something that can be done to save some of your hard-earned money.
When a major life change or crisis hits, it’s imperative to make changes to your estate plan immediately.  Working with an Elder Law Attorney can help you avoid the common mistakes we see every day that cause Missouri families pain and devastation.  When you work with someone who knows the rules, you’re walking a safer path.

Why Do You Need an Elder Care Attorney?


  • More than half of all Americans will spend some time in a costly nursing home.  That could be you, your spouse, or both of you!  But did you know that Medicare will NOT pay for your long term care? A knowledgeable Elder Care Attorney can help you find ways to reduce or eliminate the out-of-pocket rising cost of care for you, your spouse or a loved one.
  • A few years ago, Congress passed harsh laws that change the landscape of protecting your assets. You may find you need someone who knows the ins and outs of the law to help you or your loved one achieve the best quality of life and quality of care.
  • There may be critical steps you need to take NOW to protect your assets from being totally used up on care.  Will you be able to provide for yourself or your loved ones throughout the duration of your long-term care needs?
  • Are you feeling overwhelmed?  Schedule your FREE initial conference with Vouga Elder Law & Estate Planning.  We’re here to be your trusted guide, and show you exactly which steps you need to take, right now, while you’re managing your loved one’s care.  And if there’s nothing you need to do, we’ll tell you that, too.
  • You want to save (and keep) more of your own hard-earned money.
  • If your health care needs have changed, your financial and legal needs may also have changed.
  • Most Veterans and their surviving spouses have no idea that they may qualify for benefits to help pay for care.

When you work with an Elder Law & Estate Planning Attorney, you can finally experience true peace of mind.  Call (636) 394-0009 today for an initial conference!

When You Need To Schedule An Appointment


  • If you or a loved one is receiving in-home care, living in an assisted living community, a skilled nursing facility (nursing home), or will need any of these levels of care within the next five years.
  • If you, a spouse, or a loved one has been diagnosed with Alzheimer’s, Parkinson’s, Multiple Sclerosis, ALS, dementia, or has begun to have noticeable memory problems.
  • If your estate planning documents were not prepared by an Elder Care Attorney, let us review your documents to make sure they have the right Asset Protection and Medicaid Planning language.  Without the right language, you may not be protected against losing all of your hard-earned assets.
  • If you are a Veteran, or surviving spouse of a Veteran, and have a large amount of unreimbursed medical expenses each month.  There may be benefits available to help you pay for in-home, nursing, and assisted living care!
  • When someone needs help with the Instrumental Activities of Daily Living (cooking, cleaning, caring for pets, paying bills, or managing finances).
  • It is EXTREMELY IMPORTANT to see an Elder Care Attorney when a person needs help with the Activities of Daily Living (eating, dressing, bathing, assistance with using the toilet, becomes incontinent, or needs assistance getting in and out of a chair and/or a bed).

It is VITALLY IMPORTANT to take action BEFORE someone loses the MENTAL CAPACITY to understand and make decisions.  Failure to do so could cause potentially devastating results to your finances and quality of life.

Don’t be left out of options when the money runs out.

Life tends to throw the unexpected at us.
The good news is: our proven, ethical approach to Elder Care Planning is designed to meet your needs – even as they change.

That’s where I come in. I’m Missouri Estate Planning and Elder Law attorney Rick Vouga.

My wife Dana likes to say “As you age, your healthcare, housing, and financial needs change, and so do your legal needs”. If you’re feeling uncertain in these trying times, Vouga Elder Law & Estate Planning is here to provide support, a sense of calm, and peace of mind – all while putting the proper protections in place so that you can rest easy.

I make it a priority to focus on seniors and their needs. I work to help seniors achieve positive outcomes, save some of their hard-earned life savings, and navigate complex family issues.

It’s never easy to talk about matters of finances, life, and death.  We work with families every day to help resolve issues as family conflict arises, so you can cope with the tough decisions that need to be made.

It is my goal to provide you with the peace of mind that comes with knowing your wishes and needs will be met – not only after you pass, but while you’re still alive.

My practice excels at guiding families through the often confusing maze of financial and legal decisions involved in all aspects of the elder care spectrum. Vouga Elder Law is here to help, whether you’re a healthy, vigorous senior preparing for retirement or have more pressing care needs for your frail loved one.

This will help secure the well being of your cherished families and the accomplishment of your legacy goals.

So, if you’re finding it difficult to cope and don’t know where to start with your planning, now is the time to get in touch.

Call my office today for a FREE initial conference at (636) 394-0009.

Don’t get caught without a plan, without a dime, and without alternatives. The best time to protect yourself is while you still have options!


Richard R Vouga, J.D.


Your Family’s Situation is Unique...

If you’re like most of my clients, you want to find out exactly the right path to give you the best possible outcome for your situation.

At Vouga Elder Law & Estate Planning, you’ll find answers to your burning questions.

We’ll let you know what actions will help you reach your goals and gain peace of mind.

Or, if there’s nothing you need to do right now, we’ll tell you that, too.

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Request a Conference Today!


Long Term Care Benefits Plan
Don't Know How to Pay for Care?

Most adult children aren’t “worried” about receiving an inheritance! They worry about how to take care of Mom or Dad and how to pay for it. Turning that life insurance policy into cash their parent(s) need now is a win-win situation for the family and parent alike.

Turning the life insurance policy into cash MAY keep you or a loved one from stepping up to a higher (more expensive!) level of care. If you don’t want to move from home to assisted living, or assisted living to a nursing home, use the money from the life insurance to pay for additional care at home or in your assisted living community.

Are You Ready to "Get Your Ducks In A Row?"
Call Us Today To Schedule Your FREE Initial Conference (636) 394-0009
or email

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