Keithville resident Byron Barclay had heard about S.A.F.E. Planning through friends, and he’d also seen print ads in local publications before he called to set up an appointment with Ric Cochran to discuss getting Medicaid approval for his mom’s nursing home care in 2015.  As it turned out, Byron’s parents had an earlier connection with Ric when they bought an annuity from him years earlier when he worked for another company.


“My mom just loved Ric,” said Byron, “so it helped me have peace of mind dealing with Ric and S.A.F.E. as they helped us with the financial planning and Medicaid approval.  I don’t know if I could have filled out all those government forms correctly, and I’ve heard horror stories from people trying to deal with Medicaid themselves so I’m happy I did it right … by turning it over to Ric and Sharon.  They handled it all for us.” (Byron, like most of our clients, has only positive things to say about Sharon and her efficiency and professionalism.)


Byron is employed by Kilpatrick Life Insurance, and he says he is used to dealing with people who are trying to spend conservatively.  He was well-pleased that S.A.F.E. was able to save the family home and “a good piece of cash for us” which they especially needed for upkeep on the home.


Byron’s dad, Leo, was a WWII veteran, and his mom, Billie, was a teacher.  And, like many of their generation, the Barclay’s worked hard and saved all they could. But because of Leo’s declining health, they had to hire sitters the last few years of his life which, of course, took money.  Then when Leo died, Byron and his brother Kyle believed there was no way their mom, Billie, could stay home alone hence the need for a nursing home where she lived until she passed.  Billie Barclay taught at Forrest Hills Elementary before she retired, and the Barclays were also members of Summer Grove Baptist Church.  They have two grandchildren and one great grandchild.


“I don’t want my kids to have to go through what I did making decisions and taking care of my parents so I want to plan accordingly,” Byron stated.  He said he has recommended S.A.F.E. Planning to his friends, and that if he had the choice to do it all over again, he would do it the same way – with Ric and Sharon.