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22 Feb

The Real Life Perils of Online and Do-It-Yourself (DIY) Estate Planning

6a01b8d0a6271d970c01bb0866d4c0970d-500piWith the number of online and do-it-yourself (DIY) legal providers continuing to grow and advertise heavily, you may be wondering if you could do your estate planning with the help of these forms. The advertising is seductive. Ads say, “attorneys use similar forms,” “the cost is significantly less than hiring an attorney,” and “many of these websites and kits are created by attorneys.” Most folks think their estates are not complicated and many think forms are forms – and – attorneys just charge for forms, right?

 

Wrong.

 

All estate planning attorneys know that DIY estate planning is dangerous and those same attorneys make more money cleaning up someone’s DIY mess than they charge for an estate plan that works in the first place.

 

  • While completing the forms may seem easy and straightforward, a single mistake or omission can have far reaching implications that only come to light after you have become incapacitated or died.
  • With you not here to explain your intentions, your heirs may end up disappointed and confused; and they could end up paying much more in legal help to sort things out after the fact than it would have cost in the first place.The results of DIY are tragic. Good people fall for the “estate planning is just a form” and they said they have attorneys on staff.

 

  • But, we’ve seen folks accidentally disinherit their beloved children, pass assets outright to a drug-addicted beneficiary, and create documents that have no legal validity or don’t control their assets.
  • We’ve even seen young children with no guardians named at the mercy of the court to determine their future.It’s sad and frustrating. DIY companies mislead good people like you to make a few bucks; the results, often chaos and pain.

 

7 Factors Those Contemplating the DIY Route Should Consider

 

1. Legal Expertise. Experienced estate planning attorneys have the technical expertise to draft documents correctly so they are legally valid and reflect your wishes. Yes, they likely start with pre-drafted forms, but they know what language to bring in as well as what to change and how to change it to make your plan work the way you want. They also understand the technical terms and legal requirements of your state. Laws vary greatly from state to state; and, a DIY program or kit may not tell you everything you need to know to prevent your plan from being thrown out by the court or failing to carry out your wishes.

 

2. Counseling. Attorneys are called “counselors at law” for a reason. Estate planning attorneys counsel families and they have seen the results of both proper and improper planning. An experienced attorney can guide you with delicate decisions, including who should be the guardian of your minor children; how to provide for a child or elderly parent who has special needs without interrupting valuable government benefits; how to provide for your children fairly (which may not be equally); and how you can protect an inheritance from creditors and irresponsible spending.

 

3. Explanation of Intentions. If there is any confusion as to what your intentions were after you are incapacitated or gone, the attorney, who counseled you, will be able to explain what you wanted. This unbiased interpretation from someone who does not stand to benefit from your plan can help avoid costly litigation by your beneficiaries, keep peace in your family, and maintain the validity of your documents.

 

4. Coordination of Assets. A will only controls assets that are titled in your individual name. You probably have other assets that are controlled by a contract, joint ownership, and/or beneficiary designations; these include IRAs, 401(k)s, joint bank accounts, real estate, and life insurance. A will does not control these assets. An estate planning attorney will know how to coordinate your assets and estate plan so that your assets are distributed as you wish.

 

5. Tax Planning. The federal government and many states have their own death or inheritance tax. State taxes often kick in at much lower exemptions than the federal tax. Careful professional planning is a must in order to avoid paying too much federal and/or state tax – and probate fees.

 

6. Unmarried Couples. Being married creates rights and privileges under the law. If you’re not married, you need to create contracts and documents that will protect you and your partner. Because laws are frequently changing and vary greatly from state to state, it’s vital to have updated advice from a competent estate planning attorney. Without proper planning, many rights may be limited for unmarried cohabitants. Providing for your pets may also be very important to you.

 

7. Complexity and Cost. Many people think their estate planning will be simple. But the reality is, most folks discover they do need some personalized planning…and you may not know that without the guidance and counseling of an estate planning attorney. It is far better to spend a little more now and make sure your plan is created correctly than to try to save a few dollars and have things turn out badly later. You won’t be around then to straighten things out.

 

Often a DIY estate plan is worse than no plan at all, but don’t let that discourage you. You wouldn’t participate in DIY surgery so forget the DIY law; the lawyers who work for those companies don’t represent you and they are not your fiduciary; they represent the company for whom they work. Only a lawyer you hire individually, usually with a written engagement agreement, is your fiduciary and must always act in your best interests.

 

Though your first priority needs to be a plan that protects you and your family, if payment is a concern, we will work with you. We have levels of planning to fit a variety of budgets as well as payment plans. We invite you to call our office right now to get you and your family truly protected.

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20 Feb

The Value of Having a “Life Plan” in Estate Planning

House and Keys in Female HandsAll too often, estate planning is viewed as a transaction; just sign here, here, and here on a document: will, a living trust, and powers of attorney – then be off. But the best planning happens when an estate planning attorney can get to know the client on a deeper level, to uncover hopes, dreams, and aspirations. It becomes more about family and values, and it becomes a lifelong process instead of a transaction.

 

This process begins with having a plan for our lives. There is a certain power in planning. When plans are carefully thought through and written out, they tend to come true. A plan can also serve as a guide, helping to align our deepest values, beliefs, and goals with our financial resources so we can realize our dreams. Having a plan allows us to live richer, fuller lives — personally, professionally, financially, and spiritually.

 

How to Formulate A Life Plan

 

1. Think broadly and deeply about what matters most to you. If you had all the money you needed, what would you do with it? If you had only five or ten years to live, how would you live them? If you learned you have 24 hours left to live, what would you miss?

 

2. Take this vision, sweep away any doubts, and craft your ideal life in as much detail as possible. This action will energize you to achieve your vision in the shortest time possible. Goals are no longer something to be hoped for “some day,” but can become immediate and vibrant.

 

3. A thoughtful professional can help you identify obstacles and roadblocks that may be keeping you from achieving your vision. These are sometimes financial, but more often they are internal beliefs.

 

4. An experienced estate planning attorney can then recommend the best ways to achieve your goals. Quite often, we will put together a team of professionals from different disciplines to make sure all your needs are met. In addition to our office, the team may include a financial advisor, an insurance advisor, a CPA, a retirement plan advisor, and even a planned giving expert.

 

We will ask open-ended questions and listen carefully to the answers. The client, on the other hand, will need to be open, honest, and willing to make an emotional connection, with us and with him/herself. We will be building mutual trust and a relationship, one that can last for many years, possibly even into the next generation.

 

The result of this type of planning is a real life plan -not just a pile of papers – and is far more rewarding than any document-focused transaction.

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18 Feb

February Beauty Finds

Have you ever noticed when you find a beauty product you love nothing similar seems to compare to it? We all have those products. Within the last year, I’ve discovered four in particular that I must have and when I run out, I need more. Some of these products were items that I actually discovered through my Birchbox subscription, but all of them are inexpensive and affordable.

tony moly lip tint
The first must-have that I want to share with you is for the lips. For the longest time, I’ve never really wore lipstick unless it was a fancier event because I would get so tired of have to reapply with every sip of a drink or bite to eat. Well, that has changed. Several months ago I got this tube of red stain by the brand of Tony Moly in my Birchbox. It’s a bright red color and really makes my lips pop. And what’s even better is that I don’t have to worry about food or drink taking it off. The best part is that this Tony Moly Lip Tint is only $6.

My next must-have is my foundation. I tend to have oilier skin which means that what I benefit better than bbput on my skin can make a huge difference. When I was growing up before I knew about stores like Ulta Beauty, I remember trying a lot of the drug store brands and then breaking out. Then after college I discovered CoverFX foundation found at Sephora, which was good for my skin but didn’t spread smoothly. And if I’m paying $40 for a foundation, I want something I’m happy with. So I was at my regular eyebrow appointment at Ulta Beauty and the girl I go to recommended Benefit’s Bigger Than BB Big Easy Cream. It’s just $38. I use the Light/Medium (03) color. It’s oil-free and starts out as a liquid that turns to powder. It has SPF 35 to help prevent aging, balances moisture and controls oil, and also will self-adjust on your skin to your exact shade. I’ve been using this since June and haven’t seen any makeup-causing breakouts.

benefit precisely my browMy third must-have is another Benefit product. Prior to June, I didn’t really include my eyebrows in my makeup routine. I tweezed them myself (which can sometimes be scary especially if you’re a perfectionist like I am). In June, I was introduced to Joanne at Ulta Beauty and made my first appointment there to have my eyebrows waxed and shaped. She did an amazing job and I’ve been going to her once a month ever since. She also introduced me to a product I love. I have been wanting to add my eyebrows into my makeup routine but didn’t want to screw them up. Well actually she introduced me to two products that I use interchangeably. One is Benefit’s Goof-Proof Eyebrow Liner and the other is their Precisely, My Brow Pencil. The only difference between the two is the thickness. Goof-Proof is a thicker pencil. They both are $21 and my color is on the lighter side as a #2 but they go up to #6. This has 12-hour wear and is also waterproof and makes it impossible to mess up your brows.

mally beauty volumizing mascaraThe final must-have I wanted to share with you today is another Birchbox find. It is by Mally Beauty and it’s her Volumizing Mascara. A good mascara is the perfect find. I’ve tried mascaras that seem to clump more than anything or wear off really quickly. Not this one. It’s only $20, so more than your drug-store finds but it’s worth it. I could have gotten this off of Birchbox’s website but for the same price and no shipping, I chose to get it at Ulta Beauty (plus I was able to earn points to being Platinum).

These are some of my favorite beauty essentials that I use everyday. Feel free to share with me on Facebook or on Twitter @thebrynnproject some of your favorite beauty finds.

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17 Feb

Why Does a Living Trust Cost More than a Will?

Avoiding LossesYes, you will likely invest more in trust-based planning than will-based planning because you get a whole lot more value. Comparing these estate planning investments is like comparing apples and oranges – and the overall investment may not be what you think.

 

  • A living trust document has more provisions than a will because it protects you and your loved ones while you are alive and well, while you are alive and not-so well, and after your death. A will only handles matters after death.
  • A properly prepared and funded living trust will avoid court proceedings at incapacity and death. A will provides no such protection and ensures court interference at both events, which can be very costly (in time, privacy, dollars, and stress) to your family.

 

Instructions at Death and Incapacity

 

  • Both a will and a living trust contain instructions for distributing your assets after you die.
  • But only a living trust contains your instructions for managing your assets and your care and providing for your loved ones should you become incapacitated.

 

A Living Trust Avoids the Costs of Court Interference at Incapacity and Death

 

  • A properly prepared and funded living trust (one that holds all of your assets) will avoid the need for a court guardianship and/or conservatorship if you become incapacitated.
  • The person(s) you select will be able to manage your care and your assets privately, without court interference.
  • A will is only effective after death, so it fails to provide instructions and assistance during any period of incapacity.
  • If incapacity strikes, your family would almost certainly have to ask the court to establish a guardianship and/or conservatorship for your care and your assets — a process that is public, time-consuming, expensive, and stressful.

 

What You Need to Know

 

  • The same living trust document that can keep you out of court at incapacity can also keep your family out of probate court when you die.
  • But a will requires probate. Depending on where you live, this can be costly and time-consuming. Probate is always public and open to nosey neighbors and predators.

 

Costs to Transfer Assets… Pay Now or Later

 

  • There may be some minor costs to transfer assets into your living trust when you set it up, and then from your trust to your beneficiaries after you die. But these will be minimal if you and your successor trustee do much of the work yourselves.
  • With a will, the probate court (with its costs and attorney fees) is the only way to transfer your assets to your heirs after you die. So you can pay now to set up your trust, transfer titles, and benefit from the trust during your lifetime – or you can pay the courts and attorneys to transfer assets after you die.

 

Actions to Consider

 

  • Find out what probate costs are where you live. If your state has a fee schedule based on the value of probate assets, this will be fairly easy. If it has “reasonable” fees, ask an attorney to estimate what these fees would be if you die tomorrow and, if you are married, and your spouse dies the next day.
  • Similarly, ask your attorney to estimate what the costs would be if you become incapacitated tomorrow and, if you are married, if your spouse becomes incapacitated the next day.
  • Practically speaking, this will be impossible to estimate because no one will be able to predict how long the incapacity will last or what complications might arise. The mere uncertainty of these costs should give you pause — and propel you to plan for incapacity.
  • Add these estimates to the cost of having a will prepared — and compare that to the cost of a living trust. When you make a true comparison, you may conclude that having a living trust actually costs less than a will.

 

And what’s the cost of a plan not working and you and those you love being vulnerable, losing control, and being tied up in court? What’s the cost of your loved ones having their inheritances seized and being left with a mess? For many folks, the investment in trust-based planning is a good one.

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13 Feb

Impacts of the Trump Presidency on Estate Planning: Your Quick Guide

MP900341744It’s official — the Electoral College voted on December 19, 2016, essentially completing the 2016 presidential election cycle. With that bit of uncertainty behind us and a fresh year starting out, here’s what you need to know about planning your estate under the incoming Trump administration and Republican-controlled Congress.

 

President Trump’s tax plan

 

A new president usually means major shakeups in fiscal and tax policy, and Trump’s tax plan is no exception. Here are several of the proposed changes we will potentially see rolling out during his administration:

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10 Feb

How to Avoid High Octane Stress and Organize Information for Your Family

Frustrated Businesswoman on the PhoneThink, for just a few moments, about what would happen if you suddenly became incapacitated or died. Would your spouse or family know what to do? Would they know where to find important records, assets, password, usernames, and insurance documents? Would they be able to access (or even know about) online accounts or files on your computer?

 

Would they know whom to ask if they need help? Would they miss assets or insurances you’ve paid for? Not knowing what’s out there, where to find it, and how to access it is extremely stressful and burdensome. If you put all of your information in a safe place and let loved ones know where it is, you’re providing for and protecting your family, instead of dumping stress on them at an already stressful time. Putting the effort in now, to establish a formal document inventory, will alleviate unnecessary anxiety and turmoil at one of the hardest times of their lives.

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08 Feb
06 Feb

Why Factoring Long-Term Care Into Your Estate Plan Pays Off

6a01b8d0a6271d970c01b7c7c92fa4970b-500piFor most people, thinking about estate planning means focusing on what will happen to their money after they pass away. But that misses one pretty significant consideration: the need to plan for long-term care.

 

The last thing any of us want to contend with when a health issue arises later in life is having to throw together a hasty estate planning solution in the face of mounting medical costs. Your best defense is careful planning with the help of a trusted expert.

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04 Feb

What Ought to be the Ultimate Reality of this Universe

Many of us have pondered over this question as to what is the ultimate underlying reality of this universe. Mainstream thought is that this universe is a vast ocean of space, time, particles, fields, strings, energy, etc. arranged in a particular fashion. But there are still lot of open questions like, where did all this come from, how far does it extend, when did it all come into existence, how long will it last, and so on. There are theories around all of these questions but no definitive answers which indicates a lack of understanding of the underlying reality. Let’s take a step back and see how we can actually derive the ultimate reality of this universe through straightforward logic and sensibility using a simple step-by-step process:

  1. First point to understand is that something cannot come into existence out of absolute nothingness and then dissolve back into absolute nothingness (absolute nothingness means that there is absolutely nothing i.e. not even empty space). This means that something or things must have always existed and should continue to exist forever. Things might get transformed from one thing into another, but there must always be something or the other existing. This implies that existence cannot be time-bound and must be eternal.
  2. Next point to understand is that it doesn’t make sense for something or things to exist only within certain boundaries with absolute nothingness beyond those boundaries. Absolute nothingness, by definition, means that there is absolutely nothing so what will impose a boundary? A thing will never limit itself unless there is something else imposing a limit. And if there is something else, then that is also a thing that exists and part of the overall existence. This can be extended through infinity, which implies that existence cannot be bounded and must be infinite. This can be applied to both space and time.
  3. The question that arises now is how many things actually exist and what are they like. Let’s first figure out how many types of things might be existing. If there exist more than one type, what is keeping two types of things, say T1 and T2, separate from each other? We need a third type, say T3, to keep T1 and T2 separate. We then need T4 to keep T1 and T3 separate, and T5 to keep T3 and T2 separate, and so on ad infinitum. Another possibility is that T3 separates T1 and T2, T2 separates T1 and T3, and T1 separates T3 and T2. But even this kind of inter-leaving will go on to infinite levels. These are implausible scenarios as, even if they were possible, the complexity would be too enormous to last long. So its not feasible for multiple types of things to co-exist together.

    If only one type of thing can exist at any given time, the next question that arises is whether there co-exists only one thing of that type or multiple things of the same type. If there are multiple things of the same type, what keeps them separate from each other? A thing cannot separate two other things of the same type, as how will the boundaries be defined? Moreover, there cannot be absolutely nothing in-between. So its not feasible for multiple things of the same type to co-exist together, and hence only one thing must exist. This one thing must not have any parts either, otherwise the same problem of what separates these parts from each other would come up. For this reason, it has to be a continuous homogeneous whole and cannot be made of parts or particles (which are just tiny parts). We can also safely say that this one thing that exists would not change over time, as change in a thing is caused only by another thing, but there is nothing else that exists to cause a change. Hence, our conclusion so far is that there must be one and only one thing that exists which is infinite, eternal, continuous, homogeneous, part-less and unchanging.

  4. If our above conclusion is correct, the multiplicity, variety and change that we observe in this universe must be just an appearance and not real. This is only possible if the one thing that exists has an innate capability of appearing as many without having to divide itself into parts. Please note that its not as if this one thing is appearing as many to something else. There is nothing else apart from this one thing, so this appearance of many has to be within itself. There is only one such thing we know of that has this capability – consciousness. Consider the individual consciousness that each one of us feels within our respective minds. Even though our consciousness is a single whole and not segmented into parts, we still see a world of many things – people, objects, places, events, etc. – in a dream. Its not as if all these things have somehow physically entered into our head during the dream. They are just an appearance within our consciousness and seem quite vivid and aware of each other, and behave just like we behave in the world when we are awake. So much so that, while we are dreaming, we are absolutely unaware that we are in a dream-world and not in a waking-world. Exactly like our respective dream-worlds are appearances within our individual consciousness, this whole universe is a dream-like appearance within the underlying reality that is none other than consciousness. Since this universal consciousness is infinite and must have infinite capability, the universe appears to be very real with all its vastness and intricate details. Even the perception of space, time, matter, etc. that we have in the waking-world is exactly like we have such perceptions in a dream-world which seem to be quite real while we are in the dream. Its important to note that the universe is not a dream in your or mine or anyone else’s individual consciousness, but its a dream in the universal consciousness. And the body-mind complex that you consider yourself to be is nothing but an appearance in this universal dream just like other objects. This universal consciousness alone appears as individual consciousness within all living beings too.

    Here’s another way to see how this one and only thing that exists is actually consciousness. Whenever we see an something appearing as something else, the appearance maintains certain characteristics of the actual thing. E.g. when a rope lying in a semi-dark room appears as a snake, certain characteristics of the rope like the length, thickness, orientation, etc. are maintained in the snake appearance. Such is true with all appearances. This means that even the universe, although appearing as many with all its variety, must be maintaining certain characteristics of the real thing. Since the real thing is the same throughout, any characteristic that appears universally can most probably be attributed to the real thing. Keeping this in mind, when we observe different things in this universe – no matter how small or big – one characteristic we definitely notice is that everything has a field around it which makes it “aware” of other things within its vicinity. These fields include the electro-magnetic field, weak and strong nuclear field, gravitational field, etc. From the smallest of the particles to the largest of the galaxies, all exhibit this characteristic. This is a strong indication that awareness or consciousness belongs to the underlying reality. Moreover, the underlying reality must be consciousness itself and not a thing which is conscious as that would need two types of things – consciousness and the thing which is conscious – but we have already ruled out existence of more than one type of thing.

    Another simple reason why the ultimate reality must be consciousness is that if its not consciousness, it would be something dead and inert. And we cannot expect something dead and inert to generate such a sophisticated appearance within itself which even includes conscious living beings.

  5. One more characteristic that is observed universally is that every part and particle of this universe is not just “aware” of other things within its vicinity, but is also “interacting” with them. If the underlying reality would have been just plain consciousness, the universe could have been just a huge cloud of particles that only had awareness of each other without any interaction amongst them. But we notice that things either attract each other or repel each other and, overall, things seem to continuously move towards a more stable, more positive state, as is evident from how the universe has arranged itself over time. The fact that we observe such interaction universally indicates that the reality also has a positivity associated with it, called bliss. This bliss is the driving factor behind all types of interaction amidst all living and non-living things. The term “bliss” will be clearer when we consider that everything we ever do is so that we can feel good. All feelings like happiness, joy, peace, serenity, delight, ecstasy, etc. fall under the category of feeling good and the highest order of feeling good is called bliss, which is what we all are striving for. Its the underlying driving factor behind all our actions.

Based on the above analysis, we can conclude that the ultimate Reality of this universe ought to be One, Infinite, Eternal, Continuous, Homogeneous, Part-less, Unchanging Existence-Consciousness-Bliss in which the whole universe appears and disappears in cycles, just like dreams appear and disappear in us. Moreover, there doesn’t have to be only one universe. There can be any number of universes co-existing simultaneously since they are all just appearances in a reality that is infinite.

We have thus derived the ultimate reality using a purely objective analysis. Now compare it with the previous article, Who Are You Really, in which the exact same reality was derived using a purely subjective analysis. If both objective and subjective analyses point to the exact same reality, there must be some truth to it. Imagine what it would be like when you realize that you are not this severely limited body-mind complex, but you are actually the one and only thing that really exists which is of the nature of infinite, eternal, continuous, unchanging bliss!

(This article was cross-posted from happinessjourney.net/post/156793577905/what-ought-to-be-the-ultimate-reality-of-this)

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03 Feb

Till Death Do Us Part, Too: Estate Planning Tips for Commitment Without Marriage

6a01b8d0a6271d970c01b7c7e249f7970b-500piAdvice columnist Ann Landers once observed that “love is friendship that has caught fire.” If that’s true, there are thousands of ways for that blaze to unfold. For many Americans, such devotion and passion do not need to be neatly formalized as marriage.

 

In fact, our cultural norms are shifting, and quickly. Consider the following:

 

  • Per the U.S. Census Bureau, approximately 112 million people in the U.S. are unmarried;
  • 45 percent of our country’s households are “unmarried households.”
  • In 2013, the CDC found that “cohabitation [without marriage] is now a regular part of family life in the U.S.”

 

Unfortunately, the law has not kept up with these societal trends. If you and your significant other love each other but don’t want to tie the knot, you need an estate plan that takes into account your specific situation while protecting you both, along with any other family members or loved ones you wish to include.

 

Estate planning for married couples can seem pretty straightforward because it relies on long-standing, proven legal and tax strategies. Unmarried couples, however, may need to take a more individualized approach in order to achieve their goals. Here are some of the documents and methods you need to consider when creating or updating an estate plan.

 

1. Living Trusts

 

Living trusts allow you to use your assets while you are alive and then bypass the probate process when transferring property to loved ones after you die. A trust can also keep your business out of the public record, and it can empower someone else to handle your finances if you become unable to do so. Even though trusts tend to cost more up-front than related solutions, the benefits they provide cannot be easily or reliably replicated with other planning options. On balance, a trust is the superior tool for virtually everyone; it should be the cornerstone of almost any comprehensive plan, especially for couples who have not formalized their relationships with a legal marriage.

 

2. Wills

 

A pour-over will can be an effective “backup” and compliment to a revocable trust. When you die, your assets get funneled into (or “poured-over” into) your trust and then distributed to your beneficiaries per the terms and instructions of that trust. The pour-over will keeps things simple, making the process less stressful (and prone to error) for your executor and trustee. It also helps wrap up loose ends, in case you didn’t transfer every last asset to your trust before you die.

 

What happens if you die without a will or other estate plan? Courts refer to this as “dying intestate,” and it means that the rules that will apply to your estate will be those written into your state’s laws. These laws rarely, if ever, account for long-term unmarried partners, so a will is essential to protect the person to whom you are committed. As an unmarried couple, you simply cannot rely on the intestate laws to work for you.

 

3. Beneficiary Designations

 

Most retirement accounts and many other types of accounts allow you to designate a “beneficiary,” or a person who will automatically receive what’s in the account when you die. Make sure you update your beneficiaries on your 401(k), IRA, or other retirement accounts, as well as on life insurance and other documents. Depending on how your trust is designed, your circumstances, and your goals, you may name one or more trusts as the beneficiary rather than an individual person.

 

4. Power of Attorney, Designation of Health Care Surrogate, and Similar Documents

 

These documents allow you to designate your significant other as the person who has the right to make certain types of decisions and sign documents on your behalf if you become incapacitated. If no such power exists, the decision-making task typically passes to a close blood relative and typically also requires a court proceeding called a guardianship or conservatorship, depending on the type of help you need and what state you in live. Your lawyer can help you determine which powers should be covered by documents like these to ensure that enough authority is granted while still providing protection against unauthorized actions.

 

Whether you’ve been living with a life partner for decades, and you’re now eyeing retirement options; or you’re just beginning a family with a person who has not formally and legally been recognized as your wife or husband, you probably have questions. How should you protect yourself and family financially as you get older? What can you do to enshrine the values you hold dear for the next generation? What if an unwanted event happens, throwing you and your partner off balance — what contingency plans can be put in place?

 

Our experienced estate planning attorneys can help you identify a strategy to get the peace of mind you need. Please call or email us to schedule a private consultation.

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