2026

Texas NAELA Summer Conference

Galveston Jul 29, 2026 Moody Gardens $345 Individual | $445 after Jul 15 $310 Group rate per person (5 registrants minimum) | $400 after Jul 15 $275 Group rate per person (10 registrants minimum) | $355 after Jul 15

Overview

The Texas Chapter of NAELA will have its annual meeting and conference in conjunction with the UT Law CLE's Estate Planning, Guardianship and Elder Law Conference at Moody Gardens in Galveston, TX on Wednesday, July 29th. In addition to the annual meeting, the conference presents topics and issues regarding various aspects in the area of Elder Law.

Event Schedule

Program is subject to change.
All times are Central Time Zone.

Time

Credit

Subject

Speaker
Wednesday Morning, July 29, 2026
Guest Meal Package—$60

Have family members or guests joining you in Galveston? You can now purchase a guest meal package for each of your guests, that includes Wednesday's lunch and reception.
10:15 am

Registration and Exhibit Hall Opens
10:30 am

Board Meeting

All TX NAELA members are welcome to join.
11:30 am

Pick Up Lunch

Included in registration.

Thank You to Our Luncheon Sponsor
Wednesday Afternoon, July 29, 2026
Presiding Officer:
Kelley M. Bentley, Bentley Eckelkamp, PLLC - Sugar Land, TX
11:50 am

Welcoming Remarks
12:00 pm

0.50 hr

Property Tax Exemptions: A Guide for Elder Law Practitioners

In assisting clients with estate plans, Medicaid eligibility plans, and trust and estate administration, elder law attorneys frequently encounter case scenarios in which the status of property tax exemptions on real property is affected. This primer summarizes the elements and application requirements of the most common property tax exemptions available to elder law clients, as well as provides tips for attorneys to ensure the plans they craft help clients maximize these valuable tax exemptions.

Benecia Flores, Petrosewicz Law Firm, P.C. - Richmond, TX

Benecia Flores, Petrosewicz Law Firm, P.C. - Richmond, TX
12:30 pm

0.75 hr
0.25 hr ethics

Does That Really Work? Uncommon Medicaid Strategies

Hear Medicaid eligibility strategies that are often unknown, misunderstood, or considered “too risky.”

John K. Ross IV, Ross & Shoalmire PLLC - Texarkana, TX

John K. Ross IV, Ross & Shoalmire PLLC - Texarkana, TX
1:15 pm

15-Minute Break to Visit Exhibitors
1:30 pm

0.50 hr
0.25 hr ethics

An Unconventional Solution for a Conventional Problem: How Victims of Elder Abuse Can Pursue a Protective Order Even When There is No Family Violence

This presentation focuses on an underutilized private cause of action found in the Texas Code of Criminal Procedure: the 7B Protective Order. This claim can aid elder abuse victims even if there is no violence or pending guardianship.

Mike Day, Day Family Law, PLLC - Houston, TX

Mike Day, Day Family Law, PLLC - Houston, TX
2:00 pm

0.50 hr
0.25 hr ethics

Firearms: Planning for these Pesky Powerful Things

How to handle firearms in a Texas estate plan when the owner has capacity and when they do not. Gain insight on how to manage firearms using a power of attorney, trust, and will, while also accounting for the NFA and the VA in the planning process.

P. James Rainey, Rainey & Rainey, PLLC - Waco, TX

P. James Rainey, Rainey & Rainey, PLLC - Waco, TX
2:30 pm

0.50 hr

Capital Gains Freedom: Beneficiary Deemed Owner Trusts and Other Strategies

Explore powerful techniques using Beneficiary Deemed Owner Trusts and other advanced planning tools to achieve capital gains freedom and protect your clients’ wealth from unnecessary taxation.

Lisa Shoalmire, Ross & Shoalmire PLLC - Texarkana, TX

Lisa Shoalmire, Ross & Shoalmire PLLC - Texarkana, TX
3:00 pm

15-Minute Break to Visit Exhibitors

Thank You to Our Break Sponsor
3:15 pm

0.50 hr

The Trials and Tribulations of Obtaining Legal IDs for Seniors and Persons with Disabilities

Discuss some of the ongoing issues for seniors and persons with disabilities in obtaining legal identification when they have no prior form of identification, a previously expired or lost form of identification, missing the standard documents to prove their identification, or have lost their State issued Driver’s License due to a guardianship.

Joy Eckelkamp, Bentley Eckelkamp, PLLC - Sugar Land, TX

Joy Eckelkamp, Bentley Eckelkamp, PLLC - Sugar Land, TX
3:45 pm

0.50 hr ethics

The Incapacitated or Deceased Attorney

A practical guide to dealing with an incapacitated or deceased professional’s estate.

Jessica Newill, Gardner Law Firm - San Antonio, TX

Jessica Newill, Gardner Law Firm - San Antonio, TX
4:15 pm

0.75 hr

Deeds, Disputes, and Duct Tape – How to fix Those Pesky Real Estate Problems

Discuss how to fix various real estate problems such as errors in deeds, payment of taxes by one co-owner without other co-owners helping and other similar property issues.

Kristen Quinney Porter, Kristen Quinney Porter, LLC - New Braunfels, TX

Kristen Quinney Porter, Kristen Quinney Porter, LLC - New Braunfels, TX
5:00 pm

0.75 hr
0.25 hr ethics

Intersection of Elder Law and Gray Divorce

As divorce rates among adults 50 and older continue to rise, attorneys increasingly encounter clients whose legal needs span both family law and elder law — from dividing pensions and IRAs to preserving Medicaid eligibility, updating estate plans mid-dissolution and dealing with capacity issues. This presentation brings those two disciplines into conversation, highlighting the financial, medical, and planning considerations that make the intersection of gray divorce and elder law uniquely complex.

Patricia N. Carter, Carter Morris, LLP - Houston, TX
Erin W. Peirce, Leu, Peirce, & Olson, PLLC - Plano, TX

Patricia N. Carter, Carter Morris, LLP - Houston, TX
Erin W. Peirce, Leu, Peirce, & Olson, PLLC - Plano, TX
5:45 pm

Break to Business Meeting and Reception
Wednesday Evening, July 29, 2026
5:45 pm

Wednesday Evening Reception

Thank You to Our Reception Sponsor
6:15 pm

TX NAELA Member Meeting

Download Schedule

Conference Faculty

Patricia N. Carter

Carter Morris, LLP
Houston, TX

Mike Day

Day Family Law, PLLC
Houston, TX

Joy Eckelkamp

Bentley Eckelkamp, PLLC
Sugar Land, TX

Benecia Flores

Petrosewicz Law Firm, P.C.
Richmond, TX

Jessica Newill

Gardner Law Firm
San Antonio, TX

Erin W. Peirce

Leu, Peirce, & Olson, PLLC
Plano, TX

Kristen Quinney Porter

Kristen Quinney Porter, LLC
New Braunfels, TX

P. James Rainey

Rainey & Rainey, PLLC
Waco, TX

John K. Ross IV

Ross & Shoalmire PLLC
Texarkana, TX

Lisa Shoalmire

Ross & Shoalmire PLLC
Texarkana, TX

Planning Committee

Kelley M. Bentley—Chair

Bentley Eckelkamp, PLLC
Sugar Land, TX

Benecia Flores

Petrosewicz Law Firm, P.C.
Richmond, TX

Cathy Kim Fowlkes

Fowlkes Law Firm, PC
Abilene, TX

Jessica Newill

Gardner Law Firm
San Antonio, TX

Lisa Shoalmire

Ross & Shoalmire PLLC
Texarkana, TX

Credit Info

Galveston

MCLE Credit

Texas – 5.25 hrs | 1.50 hrs Ethics

You may claim your credit online in Your Briefcase, and UT Law CLE will report credit on your behalf to the State Bar of Texas. A Certificate of Attendance will be provided in Your Briefcase for your records. The system reports Texas CLE credit every Tuesday. If you are claiming credit in the last week of your birth month, self-report your CLE credit directly to the State Bar of Texas at texasbar.com, using the course number provided on your certificate of attendance.

California – 5.25 hrs | 1.50 hrs Ethics

You must claim your credit online in Your Briefcase, and will then be provided a Certificate of Attendance for your records. UT Law CLE is required to provide the State Bar with electronic attendance records for any MCLE participatory activity within 60 days of completion of the activity. The California licensee is responsible for reporting their compliance/credit hours earned to the State Bar at the end of their reporting period directly to the State Bar of California at calbar.ca.gov UT Law CLE will maintain Attendance Records for four years.

Oklahoma – Expected – 6.00 hrs | 1.50 hrs Ethics

You must claim and certify your credit online in Your Briefcase, then you will then be provided a Certificate of Attendance for your records. UT Law CLE will report credit on your behalf to the Oklahoma Bar Association within 30 days after the conference.

Pennsylvania – 5.00 hrs | 1.50 hrs Ethics

UT Law CLE is an approved provider of Pennsylvania credit, sponsor #236. You must claim your credit online in Your Briefcase, and will then be provided a Certificate of Attendance for your records. Attorney attendance will be reported to Pennsylvania within 2 weeks after credit is claimed . Attorneys are not able to report this credit on their own, and UT Law CLE pays all associated fees for the credit hours. Contact us at accreditation@utcle.org if you have additional questions.

Other States – Expected – 5.25 hrs | 1.50 hrs Ethics

Note on Self-Reporting Your Credits in Another State

If you wish to satisfy MCLE or other professional education requirements in another state for a program offered by the University of Texas School of Law, please check with the state bar or other licensing authority in that state to ensure it will qualify for self-reporting your credits.

You must claim and certify your credit online in Your Briefcase, you will then be provided a Certificate of Attendance for your records and to provided to other licensing authorities as needed.

MCLE credit is presented based on a 60-minute credit hour.

Other Credit

TX Accounting CPE – 6.30 hrs

The University of Texas School of Law (Provider #250) live conferences are presumptively approved by The Texas State Board of Public Accountancy for Texas Accounting CPE credit based on a 50-minute credit hour. Approved for general CPE credit only.

At the conference, you are welcome to sign in on the Accounting CPE Record of Attendance form at the registration desk, but we are now reporting all credit online. You will receive a Texas Accounting Certificate of Completion in Your Briefcase. Self-report your CPE credit directly to TSBPA. UT Law CLE will maintain Attendance Records for four years.

Contact us at accreditation@utcle.org if you have additional questions.

Key Dates

Galveston – Jul 29, 2026 – Moody Gardens

Galveston

Individual
Last day for $295.00 Early Bird pricing: Apr 29, 2026
Last day for $345.00 Regular pricing: Jul 15, 2026
$445.00 for registrations received after this time

Group (5 registrants minimum)
Last day for $265.00 Early Bird pricing: Apr 29, 2026
Last day for $310.00 Regular pricing: Jul 15, 2026
$400.00 for registrations received after this time

Group (10 registrants minimum)
Last day for $235.00 Early Bird pricing: Apr 29, 2026
Last day for $275.00 Regular pricing: Jul 15, 2026
$355.00 for registrations received after this time

Cancellation Policy
Last day for full refund cancellation: Jul 24, 2026
$50 processing fee applied after this date
Last day for cancellation: Jul 27, 2026

Venue

Moody Gardens

Seven Hope Boulevard
Galveston, TX
409-683-1299 (reservations)

Accommodations

We’ve arranged a room block at Moody Gardens Hotel for event attendees. Special group rate of $217 per night good through July 7, 2026 (subject to availability). Book online or contact the hotel directly at 409-683-1299 and reference the UT Law CLE Elder Law Conference.

Parking Information

Complimentary surface parking. Valet parking is available at $25 per car, per evening.

Additional Information

The conference will take place in the Frances Ann Moody Ballroom, right off the main entrance to Moody Gardens Hotel.

Our Sponsors

Thank you to our sponsors! Click each logo below to learn more.

Legacy Enhancement

Legacy Enhancement
www.legacyenhancement.org/

Legacy Enhancement is a national non-profit corporation established to assist individuals who are disabled or have special needs. The goal of our special needs trust is to protect you and your loved ones’ current and future assets by managing funds for supplemental needs and enriching your overall quality of life. Your trust fund will be professionally managed and invested to provide long-lasting security and support. We strive to retain any public entitlements you or your loved one are owed, and work to assist with the needs not covered by benefits or insurance. Legacy Enhancement can assist you with every aspect involved in trust administration; including establishment of the trust, funds disbursement and bill pay, nurse care management, benefits coordination, and much more. Legacy Enhancement offers a free consultation to help you get to know us and our services. With Legacy Enhancement’s trust services, those who need it most can rest easier knowing that their legacy is preserved. Our non-profit team is dedicated to providing an alternative to traditional and expensive asset preservation methods.
Huntington National Bank

Huntington National Bank
www.huntington.com/

At Huntington, we believe money should support your life—not complicate it. That's why we offer tools, guidance and care that help you feel more confident, more capable and more in control of your financial future. Whether you're saving for something big or just trying to make today a little easier, we're here to help you move forward with clarity and purpose.

Huntington Bancshares Incorporated is a $285 billion asset regional bank holding company headquartered in Columbus, Ohio. Founded in 1866, The Huntington National Bank and its affiliates provide consumers, small and middle‐market businesses, corporations, municipalities, and other organizations with a comprehensive suite of banking, payments, wealth management, and risk management products and services. Huntington operates over 1,400 branches in 21 states, with certain businesses operating in extended geographies. Visit Huntington.com for more information.
Frost

Frost
www.frostbank.com/

Frost is the banking, investments and insurance subsidiary of Cullen/Frost Bankers, Inc. (NYSE: CFR), a financial holding company with $52.0 billion in assets at March 31, 2025. One of the 50 largest U.S. banks by asset size, Frost provides a full range of banking, investments and insurance services to businesses and individuals in the Austin, Corpus Christi, Dallas, Fort Worth, Houston, Permian Basin, Rio Grande Valley and San Antonio regions. Founded in 1868, Frost has helped Texans with their financial needs during three centuries. For more information, visit www.frostbank.com.
Evan Howell Properties

Evan Howell Properties
evanhowell.com/

Evan Howell is a real estate broker in the greater Houston area with a passion for real estate and has been active since 1983. Evan champions his family-owned business, which specializes in property management, probate sales, and real estate services. Evan S. Howell manages a diverse portfolio of commercial, residential, and single-family homes in the greater Houston area with an unparalleled level of service and attention.
American National Bank & Trust

American National Bank & Trust
www.amnat.com/trust/

American National Bank & Trust strives to provide a comprehensive range of wealth management services to achieve your goals of financial security and success. Only by listening carefully to our clients’ dreams, concerns, and unique needs can we develop the appropriate solutions to help achieve each clients’ financial and estate planning goals.

Our trust officers have on average more than 23 years of experience and multiple certifications allowing them to deliver the top level of service to our current clients and their future generations. We have expertise in trusts, estate administration, guardianships, 1301 and 142 trusts, special needs trusts, investments, retirement planning, and other individualized wealth management services.

With trust and wealth management offices across the state of Texas and our corporate headquarters in Wichita Falls, Texas, we are able to provide local experts to help your clients with all of their planning needs.
You can find more information about American National Bank & Trust at www.amnat.com.
Austin Trust Company

Austin Trust Company
www.austintrust.com/

Austin Trust Company was the first private trust company to be chartered by the Texas Department of Banking, receiving charter number T-001 in 1987. We remain the only locally owned and controlled institution that offers a full range of fiduciary services. Whether you have a straightforward trust, a copious, detailed estate or are establishing a Special Needs Trust to help a loved one living with a disability maintain their eligibility for benefit programs, we are here for you. To find out more about how we strive to go Beyond Wealth Management, please visit us at austintrust.com.
Executor Support
Executor Support
executorsupport.com/
Executor Support specializes in providing comprehensive estate administration services designed to assist attorneys and their overwhelmed clients through the complexities of probate and estate settlement. We strive to meet our clients where they are, determine their needs, and develop a strategy for supporting them through the estate planning and probate process.

Our services include:

Probate

Inventory and valuation of estate assets

Coordination with financial institutions and beneficiaries

Resolution of debts and tax obligations

Distribution of assets in accordance with the will or trust

Management of the sale of real property

Fiduciary services

Power of Attorney

Medical Power of Attorney

Executor

Trustee

Personal assistance designed specifically for the unique needs of seniors

By partnering with Executor Support, attorneys can offer their clients a seamless estate administration experience, reducing the burden on families during challenging times. Our commitment to professionalism and attention to detail ensures that every estate is managed with the utmost care and efficiency.

For more information, visit our website at www.executorsupport.com or contact us at (281) 928-1013.
The Arc of Texas Master Pooled Trust

The Arc of Texas Master Pooled Trust
www.thearcoftexas.org/trust/

The Arc of Texas Master Pooled Trust (MPT) is a pooled SNT with an over 25 year history of serving Texans with disabilities and their families. Established with a commitment to promoting independence and safeguarding financial futures, this trust is a vital resource within the Texas disability community. With a person-centered focus, the MPT provides a unique and innovative solution for managing funds while preserving eligibility for government benefits.

Serving as a dependable ally, The Arc of Texas Master Pooled Trust navigates the complex landscape of government regulations and financial intricacies. By providing a streamlined and compassionate approach, the MPT empowers individuals to achieve their goals while maintaining the vital support systems that enhance their quality of life. The MPT stands as a testament to the organization's unwavering commitment to fostering financial well-being and autonomy within the diverse tapestry of the Texas disability community.
Texas Gulf Bank, N.A.

Texas Gulf Bank, N.A.
www.texasgulfbank.com

Founded in 1913 in Freeport, Texas, Texas Gulf Bank, N.A., FDIC Insured, is a privately owned community bank serving the Texas Gulf Coast with comprehensive personal and business financial services. With Wealth Management offices in Houston and Lake Jackson, we remain committed to delivering responsive, relationship-driven banking built on local ownership and long-standing community ties. With over $1.4 billion in assets under management, the Wealth Management division provides customized fiduciary and investment solutions designed to preserve and transition wealth across generations. Our Trust and Investment Officers average more than 25 years of experience and offer expertise in trust and estate administration, retirement and estate planning, investment management, real estate and oil and gas asset management, court-created trusts, and special needs trusts. We partner closely with clients and their advisors to deliver disciplined management, prudent guidance, and trusted stewardship tailored to each family’s unique goals.
Aging Life Care Association® South Central Chapter

Aging Life Care Association® South Central Chapter
aginglifecare.org/

The Aging Life Care Association® (ALCA) is a non-profit professional membership of Aging Life Care Managers® (ALCMs)-- health and human service specialists who act as a guide and advocate for families caring for aging or disabled adults. ALCMs take a client centered, holistic approach to aging with key knowledge areas including crisis intervention, housing, health and disability, advocacy, family legal needs, financial, and local resources. ALCMs can absorb the non-legal care management issues of a client, allowing attorneys to focus on the legal needs. For a directory of ALCMS, visit aginglifecare.org to locate an Aging Life Care™ Expert.
American Cancer Society

American Cancer Society
www.cancer.org/

The American Cancer Society is the leading cancer-fighting organization with a vision of ending cancer as we know it, for everyone. We are the only organization working to improve the lives of people with cancer and their families through advocacy, research, and patient support, to ensure everyone has an opportunity to prevent, detect, treat, and survive cancer.

With a planned gift to the American Cancer Society, you and your client can combine their desire to give to charity with their overall financial, tax, and estate planning goals. Planned giving gives your client a special connection with the Society. A Planned Gift from an Estate will help those touched by cancer — for now and for years to come.
AshBer

AshBer
www.ashber.com/

AshBer is an independent insurance agency specializing in Medicaid Compliant Annuities as short as 2 months and long-term care insurance solutions. AshBer partners with attorneys and financial advisors across the country to deliver industry-leading service and premier insurance solutions to their clients offered by “A” rated insurance carriers.
Broadspire Care Management

Broadspire Care Management
www.crawco.com/

We know that finding the resources to manage the health and lifestyle needs of aging adults or people with disabilities is never easy. Family members want to be sure that their loved one is cared for professionally and that their best interests are always protected.

Anchored within the context of a full-service medical management enterprise and having more than 25 years of successful experience in the Care Management space, we are your comprehensive resource. Our care managers take a personalized approach that addresses medical, physical, psychosocial, and environmental needs so your clients can rest assured that their loved one is in good hands with Broadspire’s Care Management team.
Colvent Group

Colvent Group
colventgroup.com/

Colvent Group Inc. provides specialized real property management and consulting services for fiduciaries. We protect and preserve real estate assets nationwide through comprehensive oversight, regulatory compliance support, and a trusted network of licensed and insured contractors spanning all 50 states. Through disciplined, root-cause approach we ensure homes are purchased, repaired, and maintained with excellence.
Family Tree Private Care

Family Tree Private Care
familytreecares.com/

Our passion for elevating private in-home care is evidenced by our unique comprehensive service offering that ensures your loved one has a single, consistent company providing expert care for every stage of the aging journey. From companionship to complex medical care led by a nurse, we’re exceptionally high-touch and deeply experienced, ensuring we can provide unparalleled personalized care for long-term aging at home. Family Tree Private Care offers in-home care to over 700 clients throughout Texas and Colorado, and Care Management to close to 250 clients.
Krause Financial

Krause Financial
www.krausefinancial.com

Krause Financial is an attorney-led firm that provides asset preservation solutions for estate planning and elder law attorneys and their clients. Using our specialized insurance products, resources, and support, we help attorneys streamline the process of advising clients planning for long-term care.

Our main priority is preserving your client’s assets in the face of long-term care. Our core products include Medicaid Compliant Annuities, long-term care insurance, and funeral expense trusts. We also offer tax-deferred annuities, whole life insurance, estate trusts, non-Medicaid SPIAs, and refusal letters. Along with our products, we provide case analysis and guidance tailored to each client’s unique situation. Our other services include Medicaid application support, fair hearing support, and annuity valuation.

In addition to providing products and services, we are committed to helping attorneys build their practices using our resources and educational tools. We offer live and on-demand webinars, CLE opportunities, state-specific Medicaid resources, our annual Krause Report, video library, white papers, and so much more.
National Care Advisors

National Care Advisors
www.nationalcareadvisors.com

Founded in 2008, National Care Advisors is a national consulting firm serving individuals with complex care needs in all 50 states. We provide life care planning, quality of life assessment, third-party benefits analysis, education consulting and case management for trustees, financial planners, attorneys and their client families.

Our full-time staff work out of regional offices and have expertise in their region's real-life, practical application of benefits and service providers. They average over 20 years of experience in many fields of nursing, including critical care, mental health, developmental disability, pediatrics, substance abuse, utilization review and elder care. Our management team has over 60 years of nursing, cost analysis and case management experience to assist clients with developmental disability, mental health, eldercare, catastrophic injury and workers' compensation care management.

Our focus is improving our clients' and their families' quality of life within the scope of all available resources and third-party benefits. We believe the best results come from a team approach, including an individual’s family, financial, legal, and care providers.
Texas ABLE Program – A Savings Program for Texans with Disabilities

Texas ABLE Program – A Savings Program for Texans with Disabilities
www.texasable.org/

The Texas ABLE Program: A savings program for Texans with disabilities. The Texas Achieving A Better Life Experience (Texas ABLE®) program gives Texans with disabilities and their families the opportunity to save for disability - related expenses in a tax-advantaged ABLE account. Your clients may be able to save for a loved one's disability expenses without affecting eligibility for public benefits.

Funds in an ABLE account can be used to pay for qualified disability expenses that relate to the beneficiary disability and are used to maintain or improve his or her health, independence or quality of life. Texas ABLE is based on federal and state legislation and is maintained by the state through the Texas Comptroller of Public Accounts.
Learn more and enroll online at TexasABLE.org. 844-4TX-ABLE (844-489-2253)
CustomerService@TexasABLE.org
WealthCounsel

WealthCounsel
www.wealthcounsel.com/

WealthCounsel has been helping estate planning and elder law attorneys practice efficiently and confidently for over twenty-five years. From creating intelligent documents to staying on top of changing laws, increasing your skill set, and growing your law practice, WealthCounsel provides world-class resources for all of your professional needs.

Texas NAELA Summer Conference

Overview

Related Conference

Elder Law

Event Schedule

Wednesday Morning, July 29, 2026

Wednesday Afternoon, July 29, 2026

Wednesday Evening, July 29, 2026

Conference Faculty

Planning Committee

Credit Info

MCLE Credit

Other Credit

Key Dates

Venue

Moody Gardens

Accommodations

Parking Information

Additional Information

Our Sponsors

Legacy Enhancement

Huntington National Bank

Frost

Evan Howell Properties

American National Bank & Trust

Austin Trust Company

Executor Support

The Arc of Texas Master Pooled Trust

Texas Gulf Bank, N.A.

Aging Life Care Association® South Central Chapter

American Cancer Society

AshBer

Broadspire Care Management

Colvent Group

Family Tree Private Care

Krause Financial

National Care Advisors

Texas ABLE Program – A Savings Program for Texans with Disabilities

WealthCounsel

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