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Christopher Fraga JD, CFP, CLTC, CRPC

Fraga Law Office

Christopher Fraga JD, CFP, CLTC, CRPC

Fraga Law Office

Christopher Fraga JD, CFP, CLTC, CRPC

Fraga Law Office

Chris has 20 years' experience handling clients’ most complex financial and estate planning issues. His multi-disciplinary approach makes him one of the area's most respected and sought-after advisors. Chris is the firm's “big picture” thinker and clients rely on his expertise for creating and implementing practical, prudent, and efficient financial, estate, and long-term care plans. 

In addition to being a CERTIFIED FINANCIAL PLANNER™ Professional and certified in long-term care (CLTC), Chris is also a practicing estate and long-term care planning attorney*. As a result, Fraga Wealth Management Group can provide comprehensive wealth management services to ensure that clients’ financial plans and estate plans are integrated and seamless. 

Chris was selected by Consumers’ Research Council of America, in Washington DC, as one of America’s Top Financial Planners, 2006-2007. The criteria used in the evaluations included education, specialty training and continuing education, number of years practicing in the financial profession, financial certifications, and affiliations with professional associations and organizations. 

Chris’s path as a financial professional was probably a foregone conclusion, as he started working for his father, Al, when he was in third grade. Not content to be a one-dimensional resource for his clients, Chris went to law school with the intent of incorporating the estate planning, long-term care planning, and estate settlement process into the existing financial service practice. 

He divides his time between Fraga Wealth’s offices in Raynham, Massachusetts, and Naples, Florida. 

Chris is a frequent lecturer on and author of articles on various financial and estate planning topics and is often called upon by his peers to assist with complex planning situations. 

For more than 10 years, Chris has been named to Commonwealth’s President's Club, which recognizes the top 10 percent of advisors at the firm. Chris is a registered representative and investment adviser representative of Commonwealth Financial Network. 

He holds a bachelor’s degree in finance and investments from Babson College and his law degree from the New England School of Law, magna cum laude. Chris is a recipient of the American Jurisprudence Award for Estate Planning. 

Outside of the office, Chris enjoys traveling, dining out, relaxing on the beach, and playing golf; he's also an avid baseball and football fan. 

Firm Description

We provide comprehensive Elder Law and Estate Planning for residents of Massachusetts.

  • Elder Law
  • Estate Planning
  • Medicaid and Medicare
  • Long Term Planning
  • Wills and Trusts
  • Taxation
  • Probate and Estate Administration

Hours

Please contact this attorney for firm hours by clicking here.

Cost

Please contact this attorney for more information about fees by clicking here.

What Is an Elder Law Attorney?

Main Office

10 Commerce Way
Suite 7
Raynham, MA 02767

On the web

View Firm Website


Medicaid 101
What Medicaid Covers

In addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.

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How to Qualify for Medicaid

To be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.

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Medicaid’s Protections for Spouses

Spouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.

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What Medicaid Covers

In addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.

READ MORE
How to Qualify for Medicaid

To be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.

READ MORE
Medicaid’s Protections for Spouses

Spouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.

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Medicaid Planning Strategies

Careful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.

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Estate Recovery: Can Medicaid Take My House After I’m Gone?

If steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.

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Help Qualifying and Paying for Medicaid, Or Avoiding Nursing Home Care

There are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.

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Are Adult Children Responsible for Their Parents’ Care?

Most states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.

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Applying for Medicaid

Applying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.

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Alternatives to Medicaid

Medicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.

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ElderLaw 101
Estate Planning

Distinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.

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Grandchildren

Learn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.

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Guardianship/Conservatorship

Understand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.

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Health Care Decisions

We need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.

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Estate Planning

Distinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.

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Grandchildren

Learn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.

READ MORE
Guardianship/Conservatorship

Understand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.

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Health Care Decisions

We need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.

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Long-Term Care Insurance

Understand the ins and outs of insurance to cover the high cost of nursing home care, including when to buy it, how much to buy, and which spouse should get the coverage.

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Medicare

Learn who qualifies for Medicare, what the program covers, all about Medicare Advantage, and how to supplement Medicare’s coverage.

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Retirement Planning

We explain the five phases of retirement planning, the difference between a 401(k) and an IRA, types of investments, asset diversification, the required minimum distribution rules, and more.

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Senior Living

Find out how to choose a nursing home or assisted living facility, when to fight a discharge, the rights of nursing home residents, all about reverse mortgages, and more.

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Social Security

Get a solid grounding in Social Security, including who is eligible, how to apply, spousal benefits, the taxation of benefits, how work affects payments, and SSDI and SSI.

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Special Needs Planning

Learn how a special needs trust can preserve assets for a person with disabilities without jeopardizing Medicaid and SSI, and how to plan for when caregivers are gone.

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Veterans Benefits

Explore benefits for older veterans, including the VA’s disability pension benefit, aid and attendance, and long-term care coverage for veterans and surviving spouses.

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