Serving Oakland County Families In-Person or via Secure Video
Estate Planning & Medicaid Planning Attorney in Rochester, MI
Protecting your family, your home, and everything you've worked for — with a plan that actually works in Michigan.
Trusted by Over 450 Clients with a 4.9 Star Rating
We were very impressed with our estate planning with Rutkowski Law Firm! Everything was handled via zoom meetings from the comfort of our home. From the first contact with Client Services Coordinator, Angela, to our initial meeting with Chris, Director of Client Services, then scheduled meetings to determine and set-up our plan with Attorney Kara Moore, and ending with a funding meeting with Wealth Manager, Wally Rutkowski, everything went seemlessly...
Highly recommend, fair cost for excellent estate plan. The firm set-up our Trusts and Will in 2018 with one of the attorneys at an affordable cost for a very comprehensive documents. Just had the 2nd follow up review (at no costs) with Mike Rutkowski who was very thorough and clear in addressing all our questions and concerns. The documents created initially was so robust that no legal updates needed yet so far since no changes in beneficiaries took place. "Normal" future family changes (additional kids and grand children) were predicted and covered that made maintaining the document is relatively easy and at no additional cost. Also been getting news letters that keep me educated of estate planning related topics. Thank you Mike for helping us protecting our family's future when we can no longer do it. Appreciate you.
- $2B+
- Assets Protected
- 13+
- Years in Michigan
- 5★
- Google Reviews
- 1,000+
- Families Helped
"Rutkowski Law Firm recently helped my family to get through the estate planning and Medicaid application process for our ill father. The process was efficient and moved quickly once we were ready to file the application. Gail was incredibly attentive and worked with us every step of the way to make sure we did not leave any stones unturned. We are incredibly grateful to her and their entire team for helping us through this process."
Protection At A Glance
Why a "Simple Will" is often a Rochester Probate Trap
Most Rochester families don't realize a simple will puts their estate through Oakland County Probate Court — a public, 6–14 month process. The $53,000 threshold means almost any home and savings account qualifies.
A will also does nothing to protect your home from nursing home costs. Michigan's Medicaid rules mean assets given to family today can disqualify you from care tomorrow — and long-term care runs $12,216/mo.
We don't hand you a binder and send you home. We do the Trust Funding for you — moving your home and accounts into your trust so your plan is actually active. That's how we've protected over $2 Billion for Michigan families.
- Assets Protected
- $2B+
- MI Experience
- 13+ Yrs
The Rutkowski Asset Shield
Don't Just Draft a Will. Build a Shield.
Generalist lawyers hand you a binder. At Rutkowski Law Firm, we fund your trust for you. We move the assets at the bank so your Rochester home and life savings are actually protected when you need it most.
- Done-For-You Trust Funding :
- We don’t just give you papers; we move your assets for you to guarantee the shield works.
- Medicaid Look-Back Protection :
- Strategies specifically designed for Michigan’s 5-year look-back rules.
- Oakland County Probate Avoidance :
- Keep your family out of the public Rochester courts and save thousands in fees.
The Reality of Waiting
Proactive Planning vs. Crisis Medicaid
In Michigan, the cost of 'waiting to see' is often the loss of the family home. Compare your options in the 2026 legal landscape.
Timeframe for Inheritance
Proactive Asset Shield: Weeks to a few months — smooth private process
Waiting for a Crisis: 6 months to 2+ years — stressful probate proceedings
Cost to Family
Proactive Asset Shield: Minimal legal costs with advance planning
Waiting for a Crisis: High court and attorney fees without a plan
Privacy
Proactive Asset Shield: Private — details remain with your family
Waiting for a Crisis: Public — probate filings open to everyone
Stress on Family
Proactive Asset Shield: Low — your wishes clearly documented
Waiting for a Crisis: High — confusion, conflict, and delays
Our Proven Process for Rochester Families
We've streamlined the legal process to be virtual-first and stress-free. From your Rochester living room to our finalized Shield.
Initial Discovery Consultation
- Meet with our team virtually or at our 312 East Street office in Rochester.
- Discuss your assets and family goals in detail.
- Determine which Asset Shield™ plan best meets your needs.
Design & Architecture Meeting
- Work with your attorney to design a tax-efficient estate structure.
- Defuse tax issues in your IRAs and ensure proper legal segmentation.
- Review documentation to ensure your plan is fortified against Michigan probate.
Professional Partnership Review
- Collaborate with your existing wealth managers and CPAs to align your legal and financial plans.
- Ensure estate tax portability is locked in for surviving spouses.
- Finalize the strategic funding plan to shield your accounts.
The Signing Ceremony
- Finalize your documents in our Rochester office or via our secure virtual signing process.
- Review every detail to ensure it matches your family’s vision.
- Execute your plan with a Michigan notary to make your protection legally binding.
Done-For-You Trust Funding
- We perform the heavy lifting. Our team funds your trust for you.
- We coordinate the retitling of your home and financial accounts with your institutions.
- Verify that your assets are officially inside the shield and out of harm’s way.
Annual Legacy Review
- We review your strategy every year to account for life changes and new legislation.
- Stay updated on changes to Federal Tax exemptions and Michigan Medicaid laws.
- Ensure all new assets are properly titled to keep your legacy out of probate court.
Rochester Estate Planning FAQ: 2026 Edition
Guiding the Firm, Protecting Families
Whether you need a will, trust, asset protection plan or are in need of medicaid crisis planning, our team is here to help! We are dedicated to providing you with the best legal representation possible. Call us today to book your consultation.
Meet the Whole Team
Estate Planning for Michigan Families
Don't leave your family with a useless binder.
Most firms hand you a template and expect you to do the work. We provide a Done-For-You process that handles Trust Funding and Asset Protection.
We specialize in protecting your home from the 5-Year Medicaid Look-Back, ensuring your house stays in your family and out of the state's hands. Plan now so you never become a burden to those you love.
For a Call Back: Pick a time for a quick, 15-minute phone call with our intake team. They will gather your basic details and schedule your strategy session with our Customer Success Director. No tech degree or legal preparation required.
Our Offices
The legal reality of contesting a will in Michigan
Why being unhappy with an inheritance isn't enough to challenge a will in court.
Founder / Attorney
The ticking clock on Michigan probate disputes
Why waiting to challenge a suspicious will can permanently cost your family their inheritance.
Founder / Attorney
How Estate Planning Can Help Protect Your Family From Hidden Tax Traps
Avoiding direct inheritance taxes is only a first step. Here is how to shield your Michigan real estate from an unexpected property tax surge.
Founder / Attorney