couple travelling estate planning lawyer sacramento ca

Estate Planning For Unmarried Couples

In these modern times, people are redefining what it means to be a family.  Getting married in a traditional sense is no longer a must-have, and many couples are choosing to either get married much later or not at all.  But, in the legal world, there are a couple hoops to jump through if you and your partner decide to remain unmarried and want to make sure you have plans in place in case one of you passes away.  And in California, there is no common law marriage either, so it doesn’t matter how long you’ve been together, in the eyes of the law, you still are not legally bound.  

However, there are legal documents to create and things you can do to make sure you’ve planned ahead for you and your family.

  1. Revocable Living Trust and Wills
    If you have more than $150,000 in real property or assets, you can establish a Revocable Living Trust which will allow you to avoid probate after you die and choose whom you’d like to have your assets.  It gives you a lot of flexibility to name who should manage your estate and assets.  
    If you have less than $150,000, writing a will should be sufficient to settle your estate plan.
  2. Power of Attorney
    This allows you to name a person to manage your finances if you are incapacitated.  You can also name someone to make decisions based on your health care if you are not able to through an advance care directive.  Without these being designated, family can take over and appoint someone else to make these decisions.
    At its worst, hospitals may not allow you to visit each other without these documents.
  3. Naming Beneficiaries
    You may want to name each other as beneficiaries over any insurance policies, retirement accounts, and pensions should anything happen to either of you.  Some of these accounts may have different rules about naming non-family members as beneficiaries, so check with your attorney first.
  4. Property Titles
    If one partner is living in a house that the other partner owns, and they die, it’s possible for their family to kick the other partner out.  You’ll want to properly title the property, whether that be in both your names, or through creating a will or revocable living trust and naming the other person.

Married or unmarried, estate planning is absolutely essential if you are in a serious relationship.  So much can go wrong and without the proper documents, it can be even worse.  Plan for your and each other’s futures and visit a local and experienced estate planning attorney Sacramento CA trusts today.

 

Contact Yee Law Group if you’d like to begin your estate planning process, either by filling out a quick form, or calling our office at 916-927-9001 for a free consultation.

Surgery Mistakes Resulting In Medical Malpractice

Even with all of the modern medical technology available today, physicians inevitably make mistakes. Many are harmless and go unnoticed, while countless others result in serious injury, and even death. The fine line between innocent mistake and medical malpractice can be quite fine. An experienced medical malpractice or personal injury lawyer Brooklyn NY trusts can analyze these cases and determine what legal options may be available to the patient. One serious type of medical malpractice case stems from mistakes made during surgery.

Common Types of Mistakes Occurring During Surgery

Surgery is a complex discipline, so there are innumerable errors that can be made. That said, there are some that are more common than others, and that often lead to claims of medical malpractice.

1. Surgery on the Wrong Site

This occurs more often than one would like to think, and involves a patient being subject to a surgery on the wrong part of the body. An all too common example is the amputation of the wrong limb. Not only is this an irreversible error, but the intended amputation must also still take place after the fact.

2. Unnecessary Surgery or Surgery Performed on the Wrong Patient

Even with all of the measures in place in most healthcare facilities to guard against this, it still happens. A patient might be in the hospital for a routine observation and have his or her appendix removed, only to find out that is an uneccessary surgery. This brings a host of negative consequences and potential complications from the surgery itself, some of them long-lasting and potentially life threatening.

3. Avoidable Infection 

While not all infections within a hospital setting can be avoided, infection that is caused by the use of unsanitary surgical instruments is particularly troubling. There are a great many complications, many of them serious, that can result from an infection. It is also possible that a new disease can be introduced into the body. All of these factors are serious indicators of possible medical malpractice.

4. Failure to Remove Surgical Instruments

The operating room is a busy place with many moving parts. While many hospitals require that all instruments in the room be counted and accounted for before any procedure is considered to be complete, not all do. Even in cases where the requirement is there, there are still many documented incidences of surgical equipment and instruments being left in the body after the surgery. This can lead to serious complications down the road, such as possible infection.

5. Internal Organ Damage

While the vast majority of surgeries go exactly as planned, there are some that result in damage to a neighboring organ. This often results from the organ being perforated or punctured accidentally with a piece of surgical equipment, such as a scalpel. This might be an accident, but it is the type of accident that can lead to a serious medical malpractice suit.

6. Damage to the Nerves

This type of error most commonly occurs when there is a mistake made in the administration of anesthesia. This can lead to long term nerve damage that may be difficult for the patient to recover from.

Mistakes happen, but they are unacceptable in the operating room. Medical malpractice laws are intended to protect patients and hold medical professionals responsible when mistakes are made. When an accident strikes, patients depend on lawyers to help them navigate an increasingly complex medical and legal system in order to ensure that their rights are fully protected.


Thanks to our friends and contributors from Law Offices of Laurence C. Tarowsky for their insight into medical malpractice.

Avoiding Probate: Three Smart Ways To Do So

Though death is inevitable and can greet us unexpectedly, there are certain measures one can take to prepare for our own death or the death of loved ones.

Death is one of the few things that many people are quite uncomfortable talking about. Due to this, it can be a difficult act to prepare for your own death or the death of a loved one. Nevertheless, to ensure things are easier on the ones we love after we pass away, estate planning is necessary. One of the most helpful things you can do for the ones you love after you pass away is preventing your assets from going into probate.

The Probate Process

A legal process in which a person’s assets are distributed amongst their heirs and family members is called probate. If a person has written a will, it is this document that outlines which people receive which assets. For instance, if you own a valuable diamond ring, you may pass that along to your daughter or a special family member. Another example would be if you owned an antique or classic car, and you want your son to receive that. These examples show when probate is a necessary action.

On the contrary, there are some instances where you may avoid probate completely. We discuss three of them here.

Create a Living Trust.

If it is your goal to assign specific assets to specific individuals, but you also would like to avoid probate, it is highly advisable to create a living trust, which is basically an alternative to writing a will. A designated trustee will oversee whatever assets are placed in the trust, and once you pass away, the designated heir to your trust receives a distribution from your trustee.

Joint Tenancy with Rights of Survivorship.

If you decide to own your property with another person as joint ownership, this is another way to avoid probate. Once you pass away, joint tenancy ownership will automatically transfer the property to the other owner. It is not a requirement to be married in order to hold this type of ownership with someone. There are some types of joint tenancy that will not actually transfer your interest to the joint owner automatically, so it is crucial that you speak with an estate planning lawyer about your options. If the incorrect type of ownership is taken, it is possible that your portion of the property would be in probate to make a transfer of ownership after your death.

Named Beneficiaries.

Another option that may ensure you avoid probate is to name beneficiaries for your important assets such as bank accounts and other insurance policies, such as life insurance. WHen you complete these, upon your death, these assets will be payable to the beneficiaries you name. Many people avoid this process, or simply do not take the time set it up, however it is quite simple and easy. Some examples of accounts that are payable upon death are 401K retirement plans, stocks, bonds, IRA accounts, and pension plans. If a beneficiary is not designated for these asset accounts, they will all be probated. To set up a beneficiary for your asset accounts, you can request a payable upon death form from your brokerage or bank.

To discuss other ways to avoid probate and to seek more information, it is highly advisable and recommended that you speak with a trusted and experienced estate planning attorney such as the Scottsdale Estate Planning Attorney locals have trusted for years!

Hildebrand LawA special thanks to our authors at Arizona Estate Planning for their expertise in Probate and Estate Law.

5 Essential Questions for Anyone Forming a New Business | Yee Law Group

If you’re starting up a new business, either by yourself or with a group of colleagues, it can be an exciting and intimidating process all at the same time. Starting a new business can give you opportunities to bring a new product into the market or develop a new service that your local customers will appreciate. Perhaps most importantly, it gives you the chance to participate in your local economy and community while supporting yourself financially.

If you feel apprehensive about forming a new business on your own, this is completely normal. One of the most important steps is to think about some fundamental aspects of your business before really getting started. While we encourage you to come speak to our legal team in person, here is a quick look at some basic questions you may want to address:

  1. What type of structure will your company have?

It’s important to determine the structure of your company for legal reasons. For example, if you own and operate the business by yourself, without any employees, you might be running a sole proprietorship. If a group of individuals choose to own and operate the company together, you may need to decide if you’re operating as an LLC (limited liability company), a corporation, a cooperative, or a partnership. The structure of your business will determine things like insurance regulations, taxes, and liability restrictions.

  1. What paperwork will you need to submit?

You’ll likely need to submit several legal documents in your local, state, or federal government offices. For small businesses that intend to hire employees, you’ll need to acquire an employer identification number (EIN) for tax purposes. If you have investors, you may need to fill out additional forms that inform these parties about the profits and losses of your business. Any business with multiple owners may also benefit from having written contracts among the owners, and any business providing an ongoing product or service to customers may want to draw up various contracts for these transactions.

  1. What types of liability issues could your business face, and how will you deal with them?

Depending on the type of business you have, you could be held liable for damages if a customer or employee is injured. If a customer is injured while using your product, or if an employee slips and falls in your office building, your business could be held legally responsible. Liability insurance and workers’ compensation insurance may be options if your business faces a high risk of liability issues.

  1. If you’re starting up a business with a group of people, what will happen if/when a founder wants to leave?

There may come a time when a founder decides that he or she no longer wants to be a part of the company. Before this time comes, it’s a good idea to determine what relationship — if any — this individual will have with the business after leaving. Some businesses allow founders to own an equity stake in the business, while others redistribute or sell this individual’s stake upon their exit. Regardless of what you decide, it is beneficial to have the plan written out ahead of time to avoid needless drama or potential lawsuits.

  1. If the company needs to be dissolved, how will it happen?

Unfortunately, not all businesses are successful. If you decide to close your business, it’s essential to know how to dissolve your company the right way, as a business law or business litigation lawyer Memphis TN trusts can attest. Some businesses can simply stop offering their product/service, but others may need to formally notify their state that they are closing. This may be important for reasons related to taxes and any fees the business owes.

If you’re wondering how to start up your own business, these five questions are only the beginning. It’s perfectly okay — and perhaps advisable — if you want to speak with a Memphis TN business attorney about starting up your business before opening your doors. Even as your business continues to grow and evolve over time, it can be invaluable to have a concrete business plan to rely on when complicated situations arise.

Wiseman Bray AttorneysThanks to our friends and contributors from Wiseman Bray for their insight into business formation.

What Does Probate Mean? | Yee Law Group

The term “probate” is the process that establishes the validity of a will by the court system. When a person draws up a will, they name an executor of their estate. When the person dies, it is the executor who is in charge of overseeing the estate, including filing the will with the court. The executor is also in charge of verifying and paying any debts the decedent had and distributing all the assets per the instructions left in the will. It takes 12 months for an estate and will to be probated before assets can be dispersed.

All assets must be probated in order to be distributed per the will instructions. Assets must also be probated if the decedent left no will and there is no other form of ownership, such as a deed to a property which lists co-owners. If the asset is owned jointly with another party or parties, then it does not have to go through the probate system. Another instance where probate is not necessary is if the decedent had placed the assets in a living trust. Life insurance proceeds with specific beneficiaries also do not have to be probated.

Why Is the Probate Process Important?

Many people do not want to have their wills probated. There are several reasons for this. One reason is that people feel it violates their right to privacy. Probate cases are public record, so when a will is being probated, all of the decedent’s financial records can be viewed by anyone.

Another reason many people do not like the idea of probating an estate is the costs associated with it. In most cases, you need to hire an attorney. There is also a cost for the probate process itself. Those costs are approximately 5 percent of the total value of the estate. The more complex a case is, the longer it takes, and the higher the legal costs.

And finally, it is important to remember when you are formulating your estate plan that when an estate has to go through the probate process, none of your heirs and loved ones will be able to access any of the assets that you are leaving them. This can cause financial difficulties, especially if there are children involved.

How to Avoid Probate

There are steps you can take to avoid the probate process and a skilled estate planning attorney can help. Some of the options you may have include:

  • If you are leaving property to a loved one, place the property in joint ownership with that loved one. Once you pass, the full deed/title can then be transferred directly to them.
  • Make sure to name beneficiaries on all IRAs, retirement plans, and any other type of financial accounts. This will enable those beneficiaries to have access to those funds without going through the probate process.
  • Create a revocable living trust. All of your assets can be put into the trust, which you are entirely in charge of. When you pass, all of the assets will be distributed per your written wishes, just like they are in a will, except there is not probate process. You maintain complete control over the trust and change or cancel it at any time.

Estate planning, drafting wills, and avoiding the probate process are all complex legal issues that require a skilled attorney, like an experienced Peoria IL probate attorney, who is knowledgeable about all of the estate and tax laws which can affect your estate, as well as the financial obligations of your heirs.

Smith & Weer LawThanks to our friends and contributors from Smith & Weer, P.C. for their insight into probate law.

Why You Need to Update Your Estate Plan After Divorce | Yee Law Group

When your divorce is finalized, it is important to update your estate plan so that your will, healthcare power of attorney, financial power of attorney and trust documents accurately reflect your new marital status. While some states and courts will use their discretion in invalidating references to ex-spouses listed in estate planning documents, the majority rule requires you to make updates. In addition to traditional estate planning updates, you should review your life insurance, bank accounts and any financial investments or assets that designate another person to whom the benefits would be payable upon death.

Meanwhile, with experienced divorce lawyers Collin County TX has come to trust, you can discuss a premarital agreement you would use if you were to remarry. When there are children of a previous relationship, a premarital agreement can ensure your children will still inherit your estate and not your new spouse.

The following estate planning documents should be updated:

  1. Your Will: The best course of action after a divorce is to have a new will prepared, which will revoke the prior will which named your former spouse. If you were to leave your old will in place and you pass away, your ex-spouse could claim their share of your estate as the will is written. If this happens and you have children, there is no guarantee they will receive anything under the will.
  1. Power of Attorney for Healthcare: Should you become temporarily or permanently disabled, or are simply under anesthetic for a surgical procedure, the person you have given power of attorney can make all healthcare decisions as you would do. Failing to update your healthcare power of attorney could put your ex-spouse in the position to make choices you might regret. Additionally, if your power of attorney for healthcare is someone with whom you are estranged, they might not even be available if the required conditions and need were to arise.
  1. Power of Attorney for Finances: After spending time and resources protecting your rightful share of money and property, allowing your former spouse to have access to your accounts, sign checks and enter into agreements in your name could be disastrous. While we do not presume that people will do the worst things to others, why leave the key out on the table when you can better protect yourself by updating your financial power of attorney and naming a new person to have control over your finances if you become disabled or unavailable.
  1. Revocable Trusts: If you have a revocable living trust, it is important to update the documents to prevent your ex-spouse from becoming a trustee or beneficiary. If, however, your trust is irrevocable, you will not be able to change the beneficiary designation from your former spouse to another. With trusts established for children, there should be no need to make any changes. Trusts are useful to shelter assets and monies held by a trustee bank or law firm with instructions as to how and when to pay your named beneficiaries, such as your children.
  1. Beneficiary Designations: Any financial policy you may hold will contain a beneficiary designation through which your name the person other than yourself who will be legally entitled to receive the asset value named in the policy at the time you pass away. Life insurance, bank accounts, investment plans and pensions all contain beneficiary designations and if you fail to change them when you divorce your spouse, they will still be legally entitled to receive all the money in your policies and accounts if you pass away.

We all work hard for our money and assets and failure to be proactive could mean our savings falls into the wrong hands. At the end of your divorce, do not delay in updating your estate plan, especially if you have children.

Scroggins Family LawThanks to our friends and contributors from Scroggins Family Law for their insight into estate planning and divorce.

What is wealth management?

Estate planning lawyers and financial advisors work closely for their high-net-worth client facing financial challenges that did not exist 20 years ago. So who will help them handle their fiscal future?

Defining Wealth Management

Wealth management is a complex, professional service entailing a mix of financial and investment advice. It also includes accounting, estate planning, retirement, real estate, and law.

Cases of Wealth Management

A wealth manager or financial advisor Washington DC can count on uses an advanced level of technical expertise, experience and knowledge to assist high-net-worth clients. For example, estate planning for someone with $30 million would encounter issues with a Charitable Remainder Trust or a Grantor Retained Annuity Trust. A wealth manager will be familiar with the challenges faced by someone with a larger estate and can provide tax saving advice.

Additionally, someone with a net worth of $1 million would not be concerned about a Credit Shelter Trust and its federal mandates that apply to the 0.1 percent of the elite population.

Industry Overview

Though the history of wealth management goes back thousands of years, in today’s world the practice of transferring titles is handled by wealth managers that work at banking institutions such as like Wells Fargo, J.P. Morgan, Chase, Barclays, Citigroup and Goldman Sachs.

But they also secure positions at full-service investment companies like USAA, Edward Jones, Raymond James, and Charles Schwab. Within the last two decades, affluent clients have moved to Atlanta, Houston, and Dallas and private wealth managers have followed them.

Trends in Wealth Management

With the new Trump administration, the industry is expected to experience a lot of changes. Consider these five areas.

  1. Fiduciary Rules. Wealth managers will become fiduciaries if the Employee Retirement Income Social Security Act of 1974 is enacted. They will be morally and legally bound to meet a conflict-free standard.
  2. Global Policies. Compliance with global regulatory procedures may prove to be difficult, but nevertheless will be mandatory.
  3. Emerging Market of Millennials. Millennials account for eight percent of investable assets and overwhelmingly have a desire to use Internet technology instead of a human advisor.
  4. Offshore Banks. Foreign banks that act as tax havens will be required to address issues of tax evasion and compliance. Wealth managers will have to be more discerning regarding the locales of deposits and their product offerings.
  5. Fluctuating Market. Varying account levels and pricing will prompt more oversight of regulatory measures. New policies could adversely affect wealth managers’ profits.

Education and Training for Professionals

So what are the skills needed to become a wealth manager? A bachelor’s degree in finance, banking, accounting, or real estate is required. Some wealth managers have master’s degrees in law or business. Equally important in today’s competitive climate are exceptional client service and interpersonal skills.

Professional development

Some wealth managers take the General Securities Series 7 exam for registered representatives. This license allows them to procure business in a similar manner to a broker-dealer as well as trade stocks.

Certification

The Association of International Wealth Management is the governing body that handles the designation of Certified Wealth Manager and the Certified International Wealth Management diploma.

Investment Management Consultants Association administers the Certified Private Wealth Advisor (CPWA) certification. This nonprofit organization has 11,000 members with 1,184 CPWA designates.

The intricacy of today’s tax laws could jeopardize affluent families. For this reason it’s important to be educated about the maintenance, protection and growth of assets. An experienced wealth manager can offer the guidance needed to protect one’s legacy.


Thanks to our friends and contributors from CIC Wealth Management for their insight into wealth management.

revising will lawyer divorce

Revising Your Will After Divorce

Divorce in itself can be a tumultuous time, so it’s understandable that for many newly divorced people, revising their estate plan can be overlooked.  However, it’s absolutely critical that you do so, for multiple reasons.

  1. Your ex-spouse may be able to inherit assets

Your ex-spouse is most likely your main beneficiary on legal documents.  This includes your will; they’re most likely named as the administrator.  After your divorce, you may not want your ex-spouse to distribute your assets or inherit any.  You’ll want to revoke your will and execute a new one that aligns with your new plan.

  1. If you have children, your ex-spouse will automatically have custody.

This is especially important if you currently have full custody.  You’ll want to write the reasons why your ex-spouse shouldn’t have custody if you die, and attach the statement to your will for a judge to consider.

  1. Financial power of attorney and health care documents

In the event that you can’t make financial or medical decisions for yourself, your ex-spouse is most likely appointed as the advocate to make those decisions on your behalf.  You’ll want to designate someone else after your divorce.  This will not only ensure that you are protected, but your family as well, as a financial power of attorney can have broad powers, such as removing funds from your accounts or selling property.

  1. Take into consideration if your parents or family may have also designated your ex-spouse as any beneficiaries.

They will also want to update their estate plans should they no longer wish your ex-spouse to be the advocate for any of their legal needs.

You’ll want to work with an experienced Sacramento estate planning attorney to get everything in order after your divorce.  There are many legal documents that you may not have considered, so it’s best to consult an attorney about what needs to be done.

 

Contact Yee Law Group if you’d like to begin your estate planning process, either by filling out a quick form, or calling our office at 916-927-9001 for a free consultation.

paid in full

“Paid in Full” and Accord and Satisfaction

Have you ever received a check in the mail with the notation “paid in full” or “payment in full?” Sometimes, if a check is not written “paid in full,” the business or person paying might send a letter with the check stating that the payment is for the full amount of the account or debt.

As a business litigation attorney Memphis, TN trusts with its important business matters, we’d like to warn you about the potential consequences of cashing checks with such notations, or which come along with correspondence indicating full payment. Under the laws of some states, if you cash a check marked “paid in full” or with other similar language, or if you cash a check sent with a letter stating that the payment was in full satisfaction of the debt, you might be prohibited from collecting any additional money, even if you are really owed more.

In breach of contract cases, a person who proves an “accord and satisfaction” is relieved of further liability to the creditor. To prove an accord and satisfaction, the person paying must prove that the amount owed to the creditor was disputed; that a check was sent which was clearly marked “paid in full,” or with other language establishing that the payment was in full satisfaction of the debt, or was sent with a letter saying that the payment was in full satisfaction of the debt; and, that the creditor cashed the check.

Here is an example of a breach of contract case where an accord and satisfaction defense was successful.

  • Creditor agreed to do certain grading and other work on Debtor’s property.
  • The parties orally agreed that Creditor would be paid $2,500 total, and the Creditor was paid $1,000 up front.
  • Creditor ended up performing additional work beyond the work to which the parties had agreed, but the parties never discussed what Creditor would be paid for the additional work.
  • After the job was complete, Creditor sent Debtor a bill for over $9,000.
  • Debtor told Creditor that he did not believe he owed more than the $1,500 he still owed for the total job cost of $2,500 as initially agreed.
  • Debtor sent Creditor a check for $1,500 with the notation “pd. in full.”
  • Creditor marked through the “pd. in full” notation on the check and cashed it.

The trial judge found in favor of Creditor, finding that Debtor was liable for breach of contract and had not proven accord and satisfaction.  But, the Court of Appeals reversed the trial judge, and held that the fact that Creditor had marked through the notation before cashing the check made no difference. The court stated that Creditor’s act of marking through the notation would have prevented an accord and satisfaction only if Creditor had notified Debtor of that fact beforehand and Debtor had agreed that he was willing to allow Creditor to cash the check and to still claim the balance owed.

One important point is that a debtor’s expression that the payment is in full and final satisfaction of the debt cannot be ambiguous. If this is not clear, then the accord and satisfaction defense will not be successful. It is also important to keep in mind that there may be state specific rules or statutes which can affect the analysis and end result of accord and satisfaction cases.  For example, in the state of Tennessee, if a creditor pays back the amount paid by the debtor within 90 days, the creditor can avoid an accord and satisfaction defense. Likewise, creditors are allowed in certain states to designate to whom exactly any check marked “paid in full” must be directed in order to be effective.

If you need help with any business litigation matter, contact the trusted a business litigation attorney.

Wiseman Bray PLLCThanks to our friends and contributors at Wiseman Bray PLLC who have significant experience in business formation and organization and litigation.

Pros and Cons of a Living Trust

A living trust, also referred to as a revocable trust, places your assets into a trust throughout your lifetime and then transferred to your heirs upon your death. It is a legal document just like a will, but it has several differences.

The Pros

Living trusts offer several benefits, so many estate owners are choosing them over wills. Here are a few upsides of living trusts:

  1. A living trust lets estate owners appoint a trustee to carry out their wishes upon their death or if they are no longer able to manage their financial or legal affairs while still alive.
  2. A living trust will not be vulnerable to estate taxes, lessening the tax burden on families.
  3. With a living trust, a trustee can take care of an estate owner’s assets if he or she becomes sick.
  4. A living trust offers the benefit of privacy. It doesn’t have to go through probate like a will, so details about assets won’t be open to the public. Families do not have to worry about the public having access to their sensitive information.
  5. The probate process can be avoided with a living trust. This means heirs don’t have to pay probate fees and can receive their assets a lot faster.
  6. A living trust can be favorable to individuals who own substantial assets, have complex finances or other unique personal circumstances.

The Cons

  1. Individuals who choose to establish a living trust have to be meticulous in transferring ownership of all their assets to the trust. An experienced estate attorney can help them do this in an efficient and timely manner.
  2. A living trust might not offer many benefits to individuals with no minor children, few assets and limited wealth.
  3. A living trust might not be needed for estate owners who live in states with uncomplicated probate processes, like as New Jersey, New York and Connecticut.

Hiring an Estate Planning Lawyer

It is never too early to plan your estate. However, the planning process can involve many complications, so it’s important to hire a qualified estate planning attorney. He or she can ensure all legal requirements are met and that all the necessary information is included in your living trust. Schedule a meeting with an estate planning attorney Scottsdale AZ relies on soon to discuss your estate. Many estate planning lawyers offer free initial consultations, so you have nothing to lose by speaking to one.

Hildebrand LawThanks to our friends and contributors from Hildebrand Law for their insight into living trusts and estate planning.