50 OVER50STRONG
Field Guide — Estate & Finances

The Sovereign Estate

Paramedic Edition — bulletproofing your finances and healthcare after 60, from a firefighter and paramedic who has seen what happens when families aren't prepared.

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~60%
of elder financial exploitation involves a known perpetrator
$36B+
lost annually to elder financial abuse in the U.S.
1 in 5
adults over 65 will experience financial exploitation
5 yrs
Medicaid look-back period for asset transfers
What's Inside

Field Guide Contents

Introduction
Scene Size-Up
What a paramedic has witnessed on the job — and why this book exists.
Chapter 1
Scene Command: The Financial Foundation
The 50/30/20 financial triage and your Personal Balance Sheet.
Chapter 2
The Power of Attorney: Protocols & Pitfalls
Why generic online POA templates fail when it matters most.
Chapter 3
Inside Threat: Financial Exploitation
The vital signs of exploitation, and a preventive protocol to build in.
Chapter 4
Managing Cognitive Decline
Early warning signs and an objective, physician-certified transition protocol.
Chapter 5
Medical Autonomy
Your Advance Healthcare Directive as a standing order — the four pillars.
Chapter 6
Beneficiaries & Trust Architecture
Per stirpes vs. per capita, and the funded living trust explained.
Chapter 7
The Nursing Home Trap
Medicaid asset limits, the 5-year look-back, and strategic spend-downs.
Appendix A–B
Checklists & Worksheets
A master estate-planning checklist plus 6 fill-in companion worksheets.

“When we hand off a patient to the ER, we give an SBAR report — Situation, Background, Assessment, Recommendation. Your Personal Balance Sheet is the SBAR for your estate.”

— Doug Frankfather, BSEd. NREMT-P

About the Author

Doug Frankfather, BSEd. NREMT-P

Doug is a retired firefighter and nationally registered paramedic with more than two decades of pre-hospital emergency medicine experience, and a former EMS Program Director. He holds a Bachelor of Science in Education with a concentration in Exercise Science.

He founded Over50Strong.net after a pattern he saw in the field: the patients who aged best were the ones who never stopped challenging themselves — physically, financially, and mentally. Over50Strong exists to give every adult over 50 the same clinical evidence and tactical tools, in plain language.

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