September 2015 – The Zahner Decision

The Zahner Decision by Anthony Marone, Esq. McAndrews Law Offices, P.C. September 2015 – Since the passage of the Deficit Reduction Act of 2005 (“DRA”), the Pennsylvania Department of Human Services (“Department”) has attempted to limit the use of annuities in the asset protection strategy known as “half-a-loaf” gifting.  Half-a-loaf gifting is a technique used…