Cheryl Fletcher

1307 West Cliff Drive
Santa Cruz, CA 95060, United States
Phone: 920 2277457
Fax: 920 2277457
Areas of Practice
  • Software & Technology

Practice/Organization Description

APS has earned a reputation as one of the leading Planning companies in the nation when it comes to Medicaid and Veteran's benefits spend-down planning.

Your knowledge of the legal options together with our products will meet your client's needs and effectuate your plan. Together, we form an ideal partnership.

Utilize our expertise and licensure in all 50 states to provide the review, plan and products your clients need. We are your one-source resource.

We have a 17 year track record which evidences our dedication to staying current with the laws of each state, and providing the products that fit within those guidelines. Our nationwide attorney and financial professional client base relies upon it.

We not only provide the products, but educate your firm, and your clients too if you so desire, as to the characteristics and benefits of the use of Medicaid compliant annuities, tax-deferred and balloon annuities, single premium immediate annuities, long term care insurance, single premium whole life insurance, funeral trusts and burial plans.

Allow us to show you how these often overlooked traditional products can be utilized in your practice in planning situations where you may have not otherwise considered them.

These products, all which carry no up-front cost or fees* to your clients, can be utilized in many planning siutations outside and apart from Medicaid and Veteran's benefits qualification and the turnkey planning solutions we offer.

In addition to having earned our status as an innovator in these planning areas and being a provider of best-in-class service, we have assumed a leadership role in delivering the necessary tools for elder law, special needs, trust and estate planning and tax attorneys, as well as financial professionals, to successfully advise and guide clients toward their objectives.

Several legal pubications, leading financial resources and books rely and contain charts, tables and statistics compiled yearly by Cheryl L. Fletcher, APS's founder and partner.

Our Planning Letters detail and outline how your clients can qualify for Medicaid and Veteran’s benefits while retaining and preserving the largest allowable amount of their money and assets.

As consummate professionals, whether you are looking to merely supplement a client’s plan you are already working on, fulfill a product need or seek a turnkey Planning Letter, we can satisfy your firm’s needs and client’s objectives.

We know that we are an extension of your firm. Our partners’ extensive breath of experiences not only includes 17 years dedicated to the Medicaid planning, Veteran’s benefits and the insurance industry, and also include having practiced law and having serving as a financial advisor with a nationally recognized firm. In this planning area, these experiences have not only provide them with a special expertise, but also an insight into your world, allowing them to be keenly aware of your concern’s and desires and your client’s objectives.

You can benefit from our expertise, knowledge, products, resources and compassion. Contact us; your clients will be glad you did.

Professional Associations & Memberships

Cheryl is a Medicaid Planning Strategist with over 17 years experience in the Medicaid field. She is a licensed insurance agent in all 50 states, plus the District of Columbia. She is a member of the National Care Planning Council, Associate Member of the American Bar Association, the International Association of Registered Financial Consultants, the Institute of Elder Planning Studies, the National Council on Aging, the National Association of Insurance and Financial Advisors, the California Association of Senior Estate Planners, and the Coalition of Wisconsin Aging Groups. She has received her certification from many states for their Long-Term Care Partnership Programs. Cheryl has provided expert testimony in Medicaid cases, as well as Medicaid Fair Hearings throughout the US. She has a national reputation of providing only the best possible Medicaid and Veteran's planning products to families, and elder law attorneys and their clients.

This profile may constitute attorney advertising. Prior results do not guarantee a similar outcome. Any correspondence with this profile holder does not constitute a client/attorney relationship. Neither the content on this profile nor transmissions between you and the profile holder through this profile are intended to provide legal or other advice or to create an attorney-client relationship.

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