The attorney
Carl B. Zacharia
Founding partner, Zacharia Frey PLLC, Bonita Springs, Florida
Carl B. Zacharia is a founding partner of Zacharia Frey PLLC, headquartered in Bonita Springs, Florida, and the founding partner of Zacharia Brown, P.C. in Western Pennsylvania. He has practiced elder law for more than thirty years. He has been licensed in Pennsylvania since 1993 and in Florida since 1995 (Florida Bar No. 50784).
He wrote Florida Long-Term Care and Medicaid: A Family's Guide to Finding, Getting, and Paying for Good Care (2026 Edition), which explains Florida Medicaid's income limits, the lookback, and Qualified Income Trusts in plain English for families rather than lawyers. He has argued medical assistance cases before state and federal appellate courts, and he lectures frequently on estate planning and elder law.
He received his undergraduate degree from Washington and Jefferson College and his law degree from Duquesne University School of Law, where he was a published member and associate editor of the Duquesne Law Review. He is a member of The Florida Bar, its Elder Law Section, and its Real Property, Probate and Trust Law Section. He also developed MedicaidInAMinute.com and MyLifeFolio.com for families planning for long-term care.
You do not have to work through the QIT rules alone
Start with a review of your family's own figures: whether a QIT is needed, how much goes in each month, and which account pays each bill. Our office calls within one business day. Nothing is charged online.