New York Trusts & Estates

Are These Books Worth Anything? In New City, New York

Managing an estate can be complicated and overwhelming, but libraries can often be sources of hidden value, and thus should not be ignored. There's always a chance that tucked away in that library are a few rare first editions or hard-to-find antique items. But if you're facing hundreds of volumes and you have little experience with books, where do you start?

Libraries and rare books may not be your idea of a good inheritance, but they can actually be hidden treasures if you do your research. A recent JD Supraarticle, titled “California Estate Planning: What to Do if You Inherit a Library,” warns against failing to value books that are left as part of an estate.

You never know if the library has tucked away an inscribed first edition of “For Whom the Bell Tolls” by Ernest Hemingway. That’s going for $8,500 on Ebay right now. Or maybe a signed J.D. Salinger “The Catcher in The Rye.” Asking price for this is only $55,000 these days. These rare first editions or hard-to-find antique items are out there. If you are left with the responsibility of sorting through a collection containing hundreds of volumes, and you have little experience with books, where do you start?

An experienced estate planning attorney should be able to help you. In addition, you can start be doing some of the preliminary research yourself. Websites such as www.Abebooks.com and www.AddALL.com are extremely detailed and gather data from numerous book sites. There is also the American Book Prices Current database (www.bookpricescurrent.com). This is a valuable tool that about every professional bookseller in North America knows and uses. This database shows you if a book has sold at auction in the past.

If you don’t have the time to catalog and research all those hundreds of book titles and ISBN numbers on a website or go through entire libraries by hand, consult an experienced rare book dealer. He or she can quickly identify rare or unusual items in your library and estimate their worth by taking into account the rarity of a book, its condition, and the book’s provenance (its ownership history).

According to the original article, most rare book dealers are happy to buy books and libraries, as some will want to make you an offer on the most valuable titles. So don’t discount a library collection bequeathed to you in an estate—Earnest or J.D. may be hiding in there somewhere.

For more information about Estate Planning, Wills, Trusts, Probate, Trusts and Estates, Asset Protection, Probate Court, Inheritance, Estate Planning Lawyer, Tax Planning, Probate Attorney, Rare Books; click to my website http://www.parkertrustlaw.com/

 

Reference: JD Supra (November 3, 2014) “California Estate Planning: What to Do if You Inherit a Library

Providing for Your Heirs, Regardless of Your Pocketbook Size in Yorktown, New York

“Regardless of how much wealth you have,” says Gregory Popera, a private wealth adviser with Bank of America Merrill Lynch, “having some type of estate plan and financial power of attorney are sort of the financial building blocks to make sure your assets go where you want them to go.”

Making sure your heirs are taken care of once you pass is an important goal of estate planning. And you don't have to be among the wealthy to create financial stability for your loved ones.

The Washington Post recently discussed practical strategies for financial security in an article titled "How to pass money on to your children."

Buy life insurance. Life insurance is designed to ensure that your family will be okay. However, some parents fail to calculate properly when they buy policies. As a result, their families can have a rough time with mortgage payments, college costs, food, and other expenses. You should estimate how much your children would need to cover those expenses until they reach adulthood. Many parents will be OK with estate taxes by naming their children as the beneficiaries of the policy, since the federal estate tax exemption is $5.34 million per taxpayer for 2014. On the other hand, those who are also leaving a separate estate approaching this $5.34 million limit for their children might save on federal estate taxes by putting the life insurance policy into an irrevocable life insurance trust, where the insurance proceeds would go into the trust and would not be counted as part of the parent’s estates. Another consideration is to designate each child as a “co-trustee” after reaching a certain age, so their inheritance held in a properly designed trust would also be beyond the reach of creditors and wouldn’t have to be split with a spouse if the child gets divorced.

Open a 529 account. In this type of savings account money grows tax free until you use it for college. Parents or grandparents can contribute up to $14,000 annually for each child ($28,000 a year per couple) before there’s any gift taxes imposed on the donor. Another great feature on these 529s is that they can be “front-loaded” for up to five years’ worth of contributions all at once (but that’s all you can contribute for the next five years).

Create a trust. Parents and grandparents with substantial assets may consider a trust. Some families may create a revocable living trust, which wouldn’t have to go through probate and could be changed or canceled at any time. Assets are owned by the trust, which is controlled by the creator until he or she died or becomes incapacitated. The trust would subsequently pass to a successor trustee—like a child or other loved one—who then can oversee the trust and use the funds to pay bills and later to disburse the money to family members or others.

Simplify. If your family members are all “singing from the same songbook” as far as saving and finances, consider designating one child to be responsible for dividing assets among the family. Another way to do this is to set up a joint tenancy with one child—he or she can use the money to cover bills while their parent is still alive and then would be tasked with splitting up the assets after the parent passes. This approach has many pitfalls and should only be used in unique circumstances and only after a full discussion with an estate planning attorney. On the other hand, an estate planning attorney may counsel you to consider what is called “a transfer on death deed”—this passes real estate to one child when the last surviving parent dies. This transfer leaves the parents in full control until both of their deaths. But it’s important to remember that both of these arrangements can put just one individual in control of the estate after the parent dies. This can be a potential powder keg and could cause fireworks in the family if that person decides not to share what’s inherited with the others, or has creditor problems, marital problems or dies before making things right. Some parents try to avoid this by naming all of their children in the tenancy or in the transfer of death deed, however, all of the kids would have to agree on how to treat the assets. If it’s likely there might be issues, one should put detailed instructions in a will or trust.

Your estate planning attorney can answer these questions and plot a strategy that works best for you and your family.

For more information on Estate Planning, Wills, Trusts, Probate, Trusts and Estates, Asset Protection, Probate Court, Inheritance, Estate Planning Lawyer, Will Changes, Probate Attorney, 529 Account, Estate Tax, IRA's, Irrevocable Life Insurance Trust, Revocable Living Trust; click to my website http://www.parkertrustlaw.com/

 

 

Reference: Washington Post (November 3, 2014) "How to pass money on to your children"

Helpful Estate Planning Add-Ons: A Letter of Instruction in New City, New York

Where there’s a will, there’s a way—and sometimes an ugly family feud. Families are consumed with grief when a loved one dies, but unfortunately certain legal and organizational tasks that arise can’t be ignored or put off for long. But you can ease the burden on your loved ones by making some simple preparations in addition to a will.

Sometimes your family may need more detail than what is normally included in a will. To get in front of hard feelings and potential conflicts over your personal possessions, think about adding a letter of instruction to your will. This is an informal document you can draft which isn’t legally binding, but can be a helpful guide for your family.

A recent article in The Wall Street Journal, titled “When a Will is Not Enough,” suggests that you organize your letter into three sections: funeral arrangements, financial and personal affairs, and distribution of personal effects.

In this first section on funeral arrangements, include a list of people to notify upon your death, and also include relevant organizations, government agencies, your estate planning attorney and CPA. You can also state if you want to be an organ or tissue donor (add the donor organization’s contact info), specifics on burial (cremation, for example), and any details about your funeral service. Also, if you’ve paid in advance for funeral arrangements, attach those details and cemetery information or where you want your ashes to be placed. You can also add in this first section any charitable donations in your honor, and you can sketch out an obituary in advance.

Keep this first section where it is readily accessible, perhaps with other important personal papers, and make sure a family member or your executor knows where it is.

The second part of the letter is for up-to-date information on your personal financial affairs for a family member or executor. Here is where you should list the contact information for your employer, attorney, financial planner, insurance agent, and stockbroker.List all financial accounts and the contact info for your account beneficiaries, and ensure that your designations are up-to-date. These designations trump any terms about this in your will if the two conflict.

The original article also suggests that you retain an up-to-date list about debts owed to you, like a mortgage, car loans, or credit cards. Another list should be all of your computer passwords and passwords to online accounts, and provide the location of safe-deposit or post-office boxes and where you keep the keys or the combinations. Given that the second section of your letter contains sensitive and personal information, keep it in a locked fire-proof box in your home. Give the combination or a key to the box only to your executor.

Third, you can go into greater detail than in a will to designate who should receive all of your important possessions. You can even add individual notes to family members with the main document.

It’s important to plan ahead now. Work with an experienced estate planning attorney to get organized and have the peace of mind that you’ve done everything you can to have your affairs in order.

Reference: Wall Street Journal (November 15, 2014) “When a Will is Not Enough”

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Planning for Death Is Unpleasant, but Critical Nonetheless

Once someone dies there is much work to be done. These are a few suggestions to help you get administratively organized for death.

To make death easier for all involved, it’s critical to plan some of the issues related to death far in advance with some contemplation to make everything go as smoothly as possible when a loved one passes away.

When a loved one dies you have to remember IRS deadlines, Social Security Administration requirements, compliance with state laws, and dealing with other grieving family members. There’s also the chance you might have some relatives who feel entitled to more or different assets.

While you should work with your own estate planning attorney, a recent MarketWatch article, titled “9 steps to getting your estate plan in order,” offers some ideas to help you start the process.

Although it’s not easy, discuss the issue of death with your family and determine what each person's end of life wishes are. Experts say that it’s sometimes more comfortable to do this when someone outside the family has died. You want to build a foundation for a smooth transitional experience to make things be as painless and well-organized as you can for your family—as well as for yourself.

Get to know the inheritance laws in your state, and don't assume that, if you have a will, your wishes are set in stone. Some idea of how property passes on death in the state where you live will be helpful. The laws governing property division can get tricky, so consult with an estate attorney. Select an estate planning attorney who’s experienced in estate, probate, and tax planning, and head to the meeting prepared with your questions.

Your attorney will ask you questions about your real property, personal property, and all other assets, guardianship decisions, medical preferences, end of life bequests, and more. You’ll talk about a will, the possible need for a trust, and deciding on an executor of your estate.

Remember that all of your life insurance, annuities, 401(k), 403b, and IRAs are passed to your named beneficiaries, not through your will in probate. It’s important that your beneficiary designations are current and accurate. Speak with the administrators of the investments and get a copy of the beneficiary assignments currently on file­—if you need to update or change your beneficiaries, do it right away! Once you’ve submitted the changes, be sure to request confirmation of the change and keep it with your records. Remember that the release of money to the designated beneficiary is contingent on producing an accurate and legible death certificate.

Start a joint checking account with the executor you select. This will give them funds that may be required to pay for funeral expenses, travel for family members, paying for people to help with immediate needs, and bills that come due while waiting for accounts to be released and settlements to be completed.

Set up a secure filing system. This needs to be easily accessible and should contain important documents like birth certificates, Social Security numbers, military discharge papers, marriage license (or a copy of your divorce decree if applicable). You should also provide the location of the safe-deposit box keys, a list of benefits from your current or past employer (such as a benefits brochure), the contact info for your estate planning attorney, CPA, financial adviser, and insurance agent.

Think through what would happen to your investment portfolio if your spouse, child or significant other isn't able to keep up with the activity or isn't knowledgeable to interview and hire a good person to get into the portfolio accounts due to the absence of passwords.

Don’t allow your estate to be drained because it’s not getting proper attention. Be prepared and consider carefully who will handle this for you. Work with an experienced estate planning attorney who can coordinate this essential planning.

For more information on Estate Planning, Wills, Trusts, Guardianship, Probate, Trusts and Estates, Asset Protection, Probate Court, Inheritance, Estate Planning Lawyer, Tax Planning, Probate Attorney, Living Trust Attorney, Living Trust, Estate Tax, Family Trust, IRA's; click to my website  http://www.parkertrustlaw.com/

 

 

Reference: MarketWatch (November 3, 2014) “9 steps to getting your estate plan in order”

Plan Wisely for Medicaid or Else! One State's Warning in Yorktown, New York

This case has drawn plenty of attention due to its legal and financial implications. Essentially, the case has escalated to the point of a federal judge warning state regulators that she would consider issuing an order to drop Ohio from Medicaid enrollment altogether, leaving the Buckeye State without federal funds to provide medical care for its elderly residents.

The State of Ohio is penalizing seniors by refusing to grant them long-term care benefits because a spouse or close relative has purchased a Medicaid-compliant insurance annuity. Medicaid administrators in Ohio say that an elderly nursing home patient is not entitled to long-term care benefits as long as he or she has a relationship with an individual who has purchased an annuity.

Other cases have been filed in federal courts in Ohio, and one federal judge has warned Ohio officials that she may hold them in contempt if they don’t follow federal law. The latest lawsuits filed against Ohio’s Medicaid administrators were brought by three elderly women whose husbands used their retirement accounts to buy annuities, which State Medicaid investigators say is illegal.

A recent Insurance News article, titled “Medicaid Asset Protection Plan Causes Ohio Judge To Tell Ohio Medicaid to "Follow the Rules" or Lose Federal Funding,” reports that more and more seniors are concerned about Medicaid planning and other retirement planning issues such as Medicaid, and some states are tending to be more heavy-handed than others in the administration of their Medicaid program.

Gentle or severe, it’s important to understand and think through your plans for Medicaid. For example, single Ohio seniors are required to first spend down their assets to $1,500 and receive less than $45 in monthly income before Medicaid's long-term care benefits will apply. Married couples, like the plaintiffs in the cases mentioned above, must split their assets in a way that the healthy spouse retains no more than $117,240, but the spouse in the nursing home cannot have more than $1,500 or monthly income higher than $45.

These kinds of drastic thresholds for income create frustration and anxiety when seniors try to plan the Medicaid spend-down. While some seniors are relieved when they are able to purchase Medicaid-compliant insurance annuities, which gives them some income even when they are in a nursing home, Ohio and some similar states don’t care for these financial solutions. The result is that the elderly can become completely destitute before entering a Medicaid nursing home.

The original article says that planning early—at least five years in advance—is critical in Medicaid planning. Although no one has a crystal ball as far as when a person might need to move to a nursing home, Medicaid spend-down provisions in your state may be restrictive like Ohio, and a qualified Medicaid Planning attorney can assist you in managing this before it becomes an issue, as it did for those involved with the lawsuits in Ohio.

Early planning with a Medicaid Planning attorney is essential to make sure you qualify for Medicaid benefits and still are able to enjoy the life you worked so hard to make for yourself and your family in your younger years.

For more information on Estate Planning, Elder Law, Medicaid, Medicaid Planning, Paying for a Nursing Home, Long-Term Care Planning, Retirement Planning, Elder Law Retirement

Planning, Medicaid Trust Planning, Medicaid Nursing Home Planning, Medicaid Planning Lawyer; click to my website  http://www.parkertrustlaw.com/

 

Reference: Insurance News (November 18, 2014) “Medicaid Asset Protection Plan Causes Ohio Judge To Tell Ohio Medicaid to "Follow the Rules" or Lose Federal Funding

The More Candles on the Cake, the Higher the Risk of Driving Accidents in New City, New York

Auto accidents are the second leading cause of injury-related mortality among people 65 and older. “It is everyone’s responsibility to identify and assist a mentally impaired driver,” she said.

Another birthday coming up for an elderly loved one? It may be time to evaluate their driving skills.

A recent article in the Claims Journal, titled “Police, Doctors Receive Elder Driver Assessment Training,” describes an educational program called Training, Research and Education for Driving Safety (TREDS). The program is designed to reduce the number of fatalities involving older drivers and to extend the time seniors can drive safely.

The program’s focus is to educate people about the effects of aging on driving skills and the need to assess older people for driving impairments. TREDS teaches physicians about conditions and medications that can impact a person’s ability to drive safely, regardless of age.

TREDS would like to see doctors assessing their patients for age-related driving impairments. These can include problems with their vision, mobility, and dementia. The program will give these patients information on necessary medications that have fewer driving-related side effects.

Auto accidents rank second in causes of injury-related deaths in people age 65 and older. The original article estimates that one in five drivers in the U.S. will be age 65 or older by 2030. That’s twice the number of seniors in 2010—roughly 70 million in 2030.

Although some seniors can drive safely into their eighties and beyond, a person’s crash rate per mile driven starts to increase when they reach age 70. By their 80s, senior men are as dangerous behind the wheel (in terms of driving fatalities per mile driven) as teenage males.

For more information, contact an experienced elder law attorney.

For more information about Elder Law, Attorney, TREDS, Driving Safety, Seniors; click to my website http://www.parkertrustlaw.com/

Reference: Claims Journal (November 7, 2014) “Police, Doctors Receive Elder Driver Assessment Training”

Don't Shoot Your Eye Out and Don't Forget to Get a Gun Trust! In Yorktown, New York

By putting ownership in trust and designating a knowledgeable person to oversee an individual’s firearms, the chance of such issues arising is minimized. Plus, paperwork requirements for transferring guns are streamlined and the trust prevents information about a valuable collection that might be of interest to thieves from being made public during the probate process.

A recent ABA Journal article, titled “Got valuable firearms? A gun trust can be a helpful estate-planning tool,” explains the benefits of a gun trust.

The thinking behind this strategy? By putting gun ownership in trust and naming a knowledgeable person to look after your firearms, the chance of trouble and issues coming into play upon your incapacity or death is minimal.

In addition, the paperwork requirements for transferring guns allows a smooth transition postmortem.

Remember that probate is a public process, so the trust prevents information about a valuable collection to be easily uncovered by thieves.

The original article says an estate planning attorney experienced with the special nuances of gun trusts can help you keep things legal and provide guidance to your heirs and beneficiaries.

People may not think to list a gun collection as a part of their assets during the estate planning process. Consequently, that’s why an attorney with experience in estate planning can make sure everything is covered.

For more information about  Estate Planning, Wills, Trusts and Estates, Asset Protection, Probate Court, Inheritance, Estate Planning Lawyer, Probate Attorney; click to my website http://www.parkertrustlaw.com/

Reference: ABA Journal (November 10, 2014) “Got valuable firearms? A gun trust can be a helpful estate-planning tool”

Business Owners: Tax Tips-N-Tricks for 2014 in New City, New York

Continual planning is essential for finding opportunities that will reduce the financial burden. Several options exist to help corporations retain wealth and reduce taxes legally.

At the end of the business year 2014, companies will be examining data to see if there are any tax savings available on defined contribution, benefit, cash balance and 401(k) plans.

A recent article on theInsuranceNewsNetwebsite, titled “Important Tax-Planning Tips for Business Owners In 2014,” states that retirement packages can decrease tax liabilities by deferring income. The original article notes that gathering this data will allow business owners to make informed decisions about potentially accelerating deductions and deferring income into the next quarter. Compiling financial projections and reports is extremely important for proper tax planning.

The original article also reminds us that integrating personal tax planning into the company tax planning allows state income, real estate and mortgage taxes to offset business revenue. Your business planning and estate planning attorney will be able to suggest solutions such as legitimate tax shifting by employing children, who can start a Roth IRA, along with the tax benefits of continuing education.

There have also been two pieces of tax extender legislation passed by the Senate and the House which would extend provisions for businesses—bonus depreciation, generous donations for S corporations, smooth transitioning from C to S companies, and a $25,000 reduction on Section 179 expenses.

Next year the Affordable Care Act's employer mandate will go into effect for companies with more than 49 full-time employees. Appropriate health insurance for employees must be documented for compliance, and with this companies are looking into various tax options.

According to the original article, you need to integrate your estate planning into your corporate structure to reduce the size of your estate, and business owners may also consider giving shares to family members who are in a lower tax bracket.

An attorney experienced in business and estate planning can help you make the right strategic moves as the year comes to a close.

For more information about  Estate Planning, Asset Protection, Estate Planning Lawyer, Tax Planning, Estate Tax, Roth IRA's, Business Planning; click to my website http://www.parkertrustlaw.com/

Reference: InsuranceNewsNet (November 8, 2014) “Important Tax-Planning Tips for Business Owners In 2014”

Hey Millennials, You Better Start Saving! In Yorktown, New York

Cash-strapped millennials are slipping into the red. In fact, their savings rate has dipped to negative 2%, meaning that they're spending more than they have.

The unemployment rate was down to 5.8% last month and the U.S. economy added 214,000 jobs. However, a recent article on the CNN website, titled “Millennials aren't saving a dime,” reports that most millennials are in trouble even though the job market looks brighter.

Keep in mind, wages have remained flat without much increase since back in the 1990s. As a result, even with good news about jobs and the low unemployment rate, millennials continue to have a rough time making ends meet.

In addition, another negative factor is their student loan debts.

The original article explains that things were a lot worse just a few years back. Moody's reported that millennials had a negative savings rate from 2004 to 2009, and in 2007 they hit rock bottom with a deficit of about 15%. They recovered in 2009 and were treading water until 2012, when they again went under. 

Many college-educated millennials have been fortunate to land professional jobs, but they have limited upward mobility because some baby boomers above them are facing similar money crunches and aren’t retiring early.

Aside from savings and basic financial planning, once adulthood is reached estate planning should be a part of everyone’s budget. 

Talk with an experienced estate planning attorney and see what you can do, even with limited finances, to save and plan for the future of your estate.

For more information about Estate Planning, Asset Protection, Tax Planning, Millennials, click to my website  http://www.parkertrustlaw.com/

Reference:  CNN (November 10, 2014) “Millennials aren't saving a dime”

"Sweetheart Wills" for Couples with No Children in Yorktown, New York

Recently, I outlined a basic estate plan for a couple with children. Now, a reader in California asks: “What about marrieds without kids?”

Married without children? What essential estate planning tasks should you focus on?

 The Wall Street Journal says, in an article titled “Estate Planning for Childless Couples,” that you have two main estate planning tasks: (i) decide what will happen to your property after you die; and (ii) specify the individual who will oversee your medical and financial affairs if you’re unable to do so.

As you may recall, if you don’t have a will or trust, the state laws will determine who is to receive your assets. Typically the laws say that it will be your spouse if you have no children, then your spouse’s relatives after he or she dies, or the state if there are no living relatives.

Without an estate plan prepared by an experienced estate planning attorney, the family of the first spouse to die would be disinherited without recourse.

Similarly, if you’d like to give something to friends or charity, you must have an estate plan. The original article advises the easiest way to do this is to create “sweetheart wills.” Each spouse would have a will leaving everything to each other and then detailing the recipients of the assets when you both die.

Sound estate planning also includes signing general powers of attorney and advance healthcare directives to allow another of your own choosing to make financial and medical decisions on your behalf if you become incapacitated. Spouses can appoint each other, but it’s wise to have “Plan B”—and appoint another younger person to serve after (or with) your spouse or in the event that your spouse passes.

People often are quite honored to be asked; nonetheless, it’s a good idea to make provision to pay them for their time. This can alleviate any resentment. One can also leave them something in his or her will, as the alternative.

Take a look at the original article and contact your estate planning attorney to make sure your estate plan is complete and up-to-date.

For more information on  : Estate Planning, Wills, Trusts, Probate, Trusts and Estates, Asset Protection, Probate Court, Inheritance, Estate Planning Lawyer, Probate Attorney; click to my website  http://www.parkertrustlaw.com/

Reference: Wall Street Journal (November 8, 2014) “Estate Planning for Childless Couples”

Estate Tax Changes Are Favorable, But Different Worries May Arise in Yorktown, New York

State and federal estate and inheritance tax rates are what drive most people’s estate plans, but now that tax rates are falling and exemptions rising in many jurisdictions, how much people will leave their heirs isn’t what keeps them awake at night anymore. What they really worry about is how the money they leave will affect the lives of those who will inherit it.

Are you cheering for the new death tax changes on the horizon, or will you be up all night worrying about the potential downsides?

So-called “death tax” rates have been the subject of much debate, reform, and repeal over the past 15 years. Some say that repeal will suppress entrepreneurship and economic growth. However, tax rates have been unreliable, so it's hard to use them when looking at a long-term estate plan. A recent Forbesarticle, titled "Estate Planning Fears That Keeps Us Up At Night,"explains what this means.

For example, from 2001 to 2010, federal estate tax rates fell until they were eliminated in 2010, but were reinstated the next year and made permanent last year when Congress set a 40% rate on estates in excess of $5 million. In addition, there are now 15 states and DC that impose their own estate tax—with six states also imposing an inheritance tax. Some states have raised their exemptions to be more in line with the federal level or have eliminated their inheritance taxes altogether.

So what does this mean to you?  Well, the original article says that it's a win for parents who want to leave their children, other heirs, and charities as much as they are able. Many people are most concerned whether the wealth they have and pass on to their heirs is going to help those individuals or make matters worse. T. Boone Pickens has said publicly that he doesn't intend to leave all his money to his children. “I’m not a big fan of inherited wealth,” Pickens has said. “It generally does more harm than good.”

This is why it's so important to work with an experienced estate planning attorney so that your estate is designed with the best interests of both you and your loved ones in mind. As the original article notes, money matters in estate planning. As new tax rates become effective, it’s a good time to sit down with your estate planning attorney and discuss how the money can support your beliefs, philosophies, and charitable intentions—and how you can ready your heirs to accept and sustain it.

For more information about Estate Planning, Wills, Trusts, Guardianship, Probate, Trusts and Estates, Asset Protection, Probate Court, Inheritance, Estate Planning Lawyer, Power of Attorney, Tax Planning, Will Changes, Probate Attorney, Living Trust Attorney, Living Trust, Estate Tax; click to my website http://www.parkertrustlaw.com/

 

Reference:  Forbes (October 29, 2014) "Estate Planning Fears That Keeps Us Up At Night"