Give the gift of peace of mind this holiday season

It seems like retailers start decorating for the holidays earlier and earlier each year. Seeing those decorations puts us in the mindset of family time and gift giving. Yet the one gift that can give our family true peace of mind in the event of a crisis – an...

Thankful for Grandchildren: Two Options for College Savings

Most grandparents love few things more than spoiling their grandchildren. One great way for grandparents to help provide for their grandchildren is to help fund their college education. The Uniform Gifts to Minors Act (UGMA) and the Uniform Transfers to Minors Act...

Choosing a Special Needs Trustee Requires Careful Consideration

If you are in the process of setting up a special needs trust, you must appoint a trustee. This is one of the most important decisions you’ll make about the trust.  The trustee must have the necessary expertise to manage the trust, including making proper investments,...

Disabled veterans are entitled to benefits from service

Everyday, but especially today, we are grateful for our veterans. Many veterans are unaware of the benefits that are available to them because of their service. In addition to federal benefits like Supplemental Security Income (SSI) and Social Security Disability...

Proactive planning limits estate recovery

It is no secret that the cost of long-term care can be out of reach for many families. Often, those families turn to state Medicaid programs to help pay for care for a loved one, and then are surprised to receive a bill upon their loved one’s death. Estate recovery,...

The problem with joint bank accounts and intestacy

Myth: When one account holder of a joint account passes away, the contents of the account automatically passes to the other holder of the account. Fact: Many banks freeze an account – held by joint owners – after the first account holder’s death. An example can help...