Fratello Law

Estate Planning Attorney in Commack, NY

Protect Your Family's Future with Confidence

Comprehensive estate planning that safeguards your Long Island assets and ensures your wishes are honored, no matter what life brings.

Commack Estate Planning Services

Your Assets Protected, Your Family Secured

When your estate plan is properly structured, your family won’t face the financial chaos that comes with poor planning. Your home—likely your largest asset in Commack’s competitive market where median values hit $759,000—stays protected from nursing home costs that can reach $600,000 over three years on Long Island.

Your loved ones won’t scramble to figure out your wishes or fight over decisions. Instead, they’ll have clear direction and legal protection that lets them focus on what matters: honoring your memory and moving forward with security.

You’ll sleep better knowing that whether you need long-term care or face unexpected health challenges, your assets are structured to work for you, not against you. No more wondering if you’ve done enough—you’ll know your family is protected.

Long Island Estate Planning Lawyers

Local Knowledge, Personal Service

We understand what Long Island families face. We know the unique challenges of protecting substantial home values in Commack while planning for potential Medicaid needs. We’ve seen how the five-year lookback period can devastate families who waited too long to plan.

That’s why we offer services that fit your life—home visits when you can’t travel, bilingual support in Spanish and Italian, and clear explanations of complex legal processes. We’re not just your attorneys; we’re your neighbors who understand the specific needs of Suffolk County families.

Our approach combines legal knowledge with genuine care. We know that estate planning isn’t just about paperwork—it’s about protecting the people you love most during life’s most challenging transitions.

Estate Planning Process Commack

Simple Steps, Comprehensive Protection

We start with a consultation where we listen to your specific situation and goals. No two families are identical, so we take time to understand your assets, your concerns, and your vision for your family’s future. We can meet at your home, our office, or even at the hospital if needed.

Next, we develop a customized plan that addresses your unique needs. This might include wills, trusts, powers of attorney, healthcare directives, and Medicaid planning strategies. We explain each component in plain language, so you understand exactly how your plan protects your family.

Finally, we handle the legal documentation and execution, ensuring everything meets New York’s strict requirements. We don’t disappear after signing—we provide ongoing support as your life changes, because good estate planning evolves with you and your family’s needs.

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Comprehensive Estate Planning Commack

Everything Your Family Needs

Your estate plan includes all the essential documents: wills, trusts, powers of attorney, and healthcare directives. But we go beyond basic paperwork to address the real challenges Long Island families face.

We structure asset protection strategies that work with Commack’s high property values. When your home is worth $759,000 or more, standard planning isn’t enough. We help you protect these assets while maintaining eligibility for Medicaid if long-term care becomes necessary.

Our plans also address the practical realities of Long Island life—limited public transportation for seniors, high healthcare costs, and the desire to age in place. We create strategies that work for your specific situation, not generic solutions that ignore local realities.

How much does estate planning cost in Commack, NY?

Estate planning costs vary based on your specific needs and the complexity of your situation. Basic wills and powers of attorney start at one level, while comprehensive plans including trusts and Medicaid planning require more investment. The real question isn’t the upfront cost—it’s the cost of not planning. Without proper planning, your family could face probate costs up to 10% of your estate, plus potential nursing home expenses that can reach $600,000 over three years on Long Island. We provide transparent pricing during your consultation, so you know exactly what to expect. Most families find that the peace of mind and asset protection far outweigh the initial investment.
The best time to start estate planning is now, regardless of your age. If you own property in Commack, have minor children, or want control over your healthcare decisions, you need basic planning documents. For Long Island residents, timing is especially crucial because of our high property values and expensive long-term care costs. Medicaid planning requires a five-year lookback period, so waiting can be costly. We recommend starting with basic documents in your 30s and 40s, then updating your plan as your assets grow and your family situation changes. The key is having something in place before you need it.
Long-term care on Long Island is expensive—nursing homes can cost up to $200,000 per year. Without proper planning, you might need to spend down your assets, including your home, to qualify for Medicaid. With proper estate planning, we can structure your assets to protect your home and savings while still maintaining Medicaid eligibility when needed. This requires advance planning because of the five-year lookback period. We also help you plan for aging in place, which many Commack residents prefer. This includes healthcare directives, powers of attorney, and financial arrangements that support your desire to stay in your own home as long as possible.
Many Commack residents benefit from trusts because of our high property values and New York’s probate requirements. If your estate exceeds certain thresholds, a trust can help your family avoid lengthy and expensive probate proceedings. Trusts are also valuable for asset protection, especially if you’re concerned about future long-term care costs. Properly structured trusts can protect your home and other assets while maintaining your ability to benefit from them during your lifetime. The decision depends on your specific situation—your assets, family structure, and goals. We evaluate whether a trust makes sense for your circumstances and explain the benefits and requirements clearly.
Yes, Medicaid planning is a crucial part of our estate planning services. We help Long Island families navigate the complex rules while protecting their assets and maintaining eligibility for benefits. Medicaid planning requires understanding both federal rules and New York State-specific requirements. We know how Suffolk County processes applications and what documentation they require. This local knowledge helps avoid delays and denials. The key is starting early. Medicaid has a five-year lookback period, so strategies implemented today won’t be effective until five years from now. We help you understand your options and create a plan that works for your timeline and goals.
Absolutely. We understand that many of our clients prefer the comfort and convenience of meeting in their own homes, especially seniors or those dealing with health challenges. Home visits also allow us to better understand your situation and discuss your assets in a familiar environment. We can review documents, discuss family dynamics, and answer questions without the formality of an office setting. We also provide services at hospitals and nursing homes when needed. Our goal is to make estate planning as accessible and comfortable as possible, because we know these conversations can be emotional and challenging.