You might think that only the super wealthy need to worry about asset protection planning. But the truth is that if you don’t have millions, you may be at even greater risk. For instance, if you are a multi-millionaire, a $50,000 judgment against you might not be that big of a deal. But for a family with a modest income, savings, and home, it could be devastating.
Furthermore, asset protection planning isn’t something you can put off until something happens. Once you are under threat of a lawsuit, it’s likely too late to protect your assets. Like all types of planning, to be effective, you must have your asset protection strategies in place well before something happens. And your asset protection plan isn’t a one-and-done deal: it must be regularly updated to accommodate changes to your assets, family dynamics, and the law.
While you should meet with us, your Personal Family Lawyer to determine the asset protection strategies that are best suited for your particular asset profile and family situation, here are four essential strategies to consider for safeguarding your family’s most valuable assets.
1. Invest In Insurance
Insurance is always the first line of defense when it comes to asset protection. Anyone can file a lawsuit against you at any time—and basically for any reason. And whether you are ultimately found at fault or not, defending yourself in court can be extremely costly.
The insurance coverage you purchase should not only pay damages if a lawsuit against you is successful, the policy should also cover the cost of hiring a lawyer to defend you in court, whether you win or lose your case. And because a large judgment could exceed your policies’ coverage limits, you should also seriously consider buying umbrella insurance.
Should your underlying insurance policy max out, an umbrella policy will help cover any remaining damages and legal expenses. As your Personal Family Lawyer, we will evaluate your current insurance policies and advise you about the types and amounts of insurance you should have for maximum protection of your assets.
2. Take Advantage Of Statutory Exemptions
Another way to protect your family’s assets is by taking full advantage of federal and state laws that make certain types of assets “exempt” from creditor claims and judgments. Depending on the state, the availability and amount of protection offered by these exemptions can vary.
For example, many states offer a homestead exemption, which protects a certain amount—or even the full value—of the equity you have in your primary residence from creditors. If your state provides a generous homestead exemption, paying down your mortgage could protect funds that would otherwise be vulnerable.
Similarly, federal and state laws also classify many retirement plans, such as 401(k)s and IRAs, as exempt assets. Additionally, some states offer significant, or complete, exemptions for life insurance policies and annuities, as well.
Even though such exemptions won’t offer you total protection, they can provide significant shelter for certain assets. Plus, using statutory exemptions is something that can be accomplished without investing anything—all that’s required is for you to understand how best to structure your investments to take advantage of these protections. Meet with us, your local Personal Family Lawyer to learn what types and amounts of exemptions are available in your area, and how to make the best use of each one.
3. Use The Right Business Entity
Owning a business can be a major wealth-generating asset for your family, but it can also be a serious liability. In fact, without the proper protection, your personal assets are at serious risk if your company ever runs into trouble. For example, if your business is currently a sole proprietorship or general partnership, you are personally liable for any debts or lawsuits incurred by your business.
However, structuring your business as a limited liability company (LLC) or corporation is typically the best move for most small businesses. When properly set up and maintained, both entities create an impenetrable barrier between your personal assets and your business activities. Creditors, clients, and other potentially litigious individuals can go after assets owned by your company, but not your personal assets. Additionally, having the right business insurance in place can help shield your business assets from such claims.
If you own any kind of business, even just a side gig to earn extra income, you should consider setting up a protective entity to ensure any liabilities incurred by your company won’t affect your personal assets. We can help you select, put in place, and maintain the proper entity structure for your particular business operation. If you haven’t done this already, contact us right away to ensure your business doesn’t put your personal assets in jeopardy.
4. Put The Proper Estate Planning In Place
Although each of the above scenarios are mere possibilities, there is one certainty in life—death. It’s coming for all of us, and given this fact, your eventual death—or your potential incapacity from a serious accident or illness before you pass away—is the biggest risk to your family’s assets.
If you become incapacitated or die without proper estate planning in place, your assets and family will face a number of potentially tragic outcomes. Without the proper planning, your assets will get stuck in the court system, which could result in those assets passing to family members you would never want inheriting them, or if the assets eventually do pass to the loved ones you would want inheriting them, those assets could be seriously depleted or even lost. To this end, planning in advance for the inevitability of death is one of the greatest gifts you can give those you love most.
You work way too hard to leave your family’s assets at risk. If you’ve been putting off creating your estate plan—or if you haven’t updated your existing plan recently—now is the time to get it handled. As your Personal Family Lawyer firm, we’ve made estate planning incredibly easy, and we start with a Life and Legacy Planning Session, which is the first step in our Life & Legacy Planning process.
Life & Legacy Planning: Do Right By Those You Love Most
During this process, we’ll walk you through an analysis of your assets, what’s most important to you, and what will happen to your loved ones when you die or if you become incapacitated. From there, we’ll work together with you to put in place the right combination of estate planning solutions to fit with your unique asset profile, family dynamics, budget, as well as your overall goals and desires.
As your Personal Family Lawyer, we aren’t like most estate planning firms—we see estate planning as far more than simply planning for your death and passing on your “estate” and assets to your loved ones—it’s about planning for a life you love and a legacy worth leaving by the choices you make today. And this is why we call our services Life & Legacy Planning. Contact us today to schedule your visit to ensure that your assets and loved ones are safeguarded from all potential threats.
This article is a service of Sharek Law Office, LLC. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That's why we offer a Life and Legacy Planning Session, during which you will get more financially organized than you’ve ever been before, and make all the best choices for the people you love. You can begin by calling our office today to schedule a Life and Legacy Planning Session and mention this article to find out how to get this $750 session at no charge.
You may have heard about senior placement agencies, but if you are not sure how they work or what they do, you arent the only one. Most families are not sure how to help elderly loved ones when they need to find an assisted living community or how to choose nursing homes that will provide loving care and have reasonable occupancy rates.Heres what you need to know about making an informed decision about communities in your local area so your elderly loved one can have the best possible living situation. Keep things like cost, personalized assistance, and quality of life in mind. How Online Senior Placement Agencies OperateIn todays world, its natural to research products and services online. However, when it comes to researching assisted living and memory care options for your loved one, beware! It can be confusing to understand how online senior placement agencies operate. When youre not clear on what senior placement services will do for you and your loved one or whether senior living placement services have your loved ones best interests in mind, its best to take a step back and do some additional research before committing to an agency. Whether you want to move your loved one into an assisted living community or somewhere else, heres what you need to know. An Example of Assisted Living ConfusionWhen you search for assisted living communities in your search engine, you may see numerous websites that are not assisted living facilities. Rather, theyre online agencies contracted with multiple assisted living providers in the given area. As you access their website information, you will notice that you are not reviewing the services and amenities of a specific assisted living or memory care community.If you call or enter your contact information into an online agencys website, your information may be emailed to multiple assisted living providers. This results in numerous phone calls and emails inquiring about your loved one and inviting you for a tour. Additionally, you may never meet their senior advisor other than by phone or email.While this process may be perfectly acceptable to you, please remember that it can occur during a stressful period when you must make a quick care decision for your loved one. It could also happen when youre not ready to decide because you are just doing some initial investigating.Theres certainly no risk to searching an online agencys website. Still, a good practice is to click on their privacy link at the bottom of their homepage to understand how they will disclose your information before providing your contact information. Should You Just Pick an Assisted Living Community?Some family members will choose a random senior living community for their loved ones. The decision may be because the community advertises independent living, is close to home, or the reviews look good. Unfortunately, thats not really a good way to select a senior care facility.Theres much more to finding quality independent or assisted living communities than a quick search. In general, you should look at senior living options with an eye toward medical care, financial burden, quality of senior care, living arrangements, desired location, and whether they can create a smooth transition for your loved one.If you think that sounds overwhelming, youre not alone. Making informed decisions can be hard, especially with so many senior living option considerations. Many seniors cannot safely make their own choices and rely on a family member to help them. Even if you do your own research, you may still not be confident that you are choosing the best place to support your aging loved one. How CarePatrols Senior Care Advisors Are Different Trying to go it alone when choosing a senior living community can be too difficult, but what if you dont want to give your contact information to senior placement services that are going to inundate you with calls during an already stressful time? Are those the only two ways you can find a senior living space for your loved one?Fortunately, theres a third option: CarePatrol.At CarePatrol, your contact information is treated confidentially until you wish to disclose it to a senior living provider to whom we introduce you. We offer a local, personalized, hands-on approach by preferring to meet with you in person, pick you up and accompany you on tours, and meet with your loved one at home, the hospital, a rehab facility, or wherever they are.Were not your typical senior placement agency. Were highly focused on helping people find assisted living communities or other senior living options for their loved ones. Our goal is to provide you with a stress-free process that doesnt add to your confusion or concern during an already difficult time.Our free service was started by a social worker after seeing the trauma inflicted on a family whose loved one was placed in the wrong kind of facility for their needs. We worked hard to become the pioneer organization and referral agency for placing loved ones in senior care, and we continue to focus on seniors and their families when they need us most.As a national network of local small business franchise owners, CarePatrols mission statement is to provide safer care options for seniors. What You Can Expect from Working with UsOur local senior care advisors are franchise owners who understand the value of protecting older adults and want to provide them with essential care options to meet their needs. If you have a loved one ready to move to a senior care community or need more than in-home care can provide, working with us can give you information and options.The aging process is complex, and many factors work together to influence the outcome of a senior living decision. We can help you navigate social, health, and financial concerns to find the right care option. Our local senior care advisors pre-screen all our facilities, so youll know what youre getting when we connect you.Working with us takes all the guesswork out of finding the right care options for your senior loved one so both of you can relax and enjoy more time together. Were honored to provide the value we offer to seniors and their families and are deeply committed to ensuring that your loved one will get the care they need in a comfortable place they can truly call home. Ready to Learn More?Reach out to us at CarePatrol of Western PA to discuss senior care options in your area. Our placement agency offers a free service to help you and your loved one find the right senior care option for their needs. The senior care industry can be difficult to navigate at times, especially for older adults, but with a little extra help, valuable insights, and a free consultation, you can decide if CarePatrols help is right for your loved one.Reach out to us today at 724-631-4950.
Alzheimers effects more than 6 million Americans, and that number is expected to only rise. It is uncertain, theres no way of telling how this disease will develop over time for your loved one because of its unpredictable ways. It can progress rapidly or painfully slow, early, mid, and late-stage Alzheimers is the cycle this disease follows.Alzheimers and dementia require around the clock care, caregivers are a lot of times family, and it can be a burden on them to dedicate themselves to taking care of their loved one alone. According to the Alzheimers Association, over 11 million Americans are caregivers for those suffering from Alzheimers or dementia, unpaid.Alzheimers, dementia, and other types of memory impairment can affect peoples and families lives drastically. To ensure your loved one gets the help they need, look out for early warning signs of cognitive impairment. When it does come time to make a care plan, turning to memory care will help in the process of planning.The purpose of memory care facilities is to provide a safe and healthy environment for residents who suffer from Alzheimers, dementia, and other types of memory impairment. Receiving a diagnosis like Alzheimers requires your loved one to live in a safe environment with trained professionals. Choosing memory care can be one of the best options to receive top tier and individualized care.There are approximately 30,000 assisted living facilities with memory care units included in them, making it important for you or your loved one to find which works best.It can be difficult to narrow down a memory care facility thats right for your loved one. The most important part when selecting a memory care facility is making sure it checks all the boxes. When choosing a community, take time to research and discover what these facilities have to offer.Use the following guide to assist in the decision for the best memory care facility.Look for Management and Experience in Memory CareReputationHaving a good reputation in the community is important to the facility and potential residents and families. The best way to judge a reputation is by experiencing it, its easy to make quick judgements so we recommend reading reviews, reaching out to residents or families in the area, and scheduling a tour.Licensing and InspectionsThe state regulates assisted living communities by putting in place protocols, procedures, and sometimes with unannounced visits. The Centers for Medicare and Medicaid Services (CMS), regulate nursing homes with evaluations posted on their website but not assisted living communities. Each state regulates assisted living facilities in place of the federal government. Each state is different and usually is monitored by the states health department or social services. To learn more, click here.Longevity and Certification of StaffHaving experienced and well-trained staff is crucial to a properly run facility. The staff who have been there for years know the residents well, are very familiar with the facility and are experienced. When assisting residents, you or your loved one want a staff member who knows what they are doing. This isnt to say younger, newer staff are not qualified, but staff with higher longevity have more experience working in this environment. Its important to note if the staff are Certified Dementia Practitioners, having staff who understands and is trained in the disease is incredibly valuable to you and your loved one.Look for a Friendly Atmosphere and Environment in a Memory Care UnitFacilityHaving a clean facility is important in choosing the right space. The ambience is a big factor to consider when touring, does it feel comfortable, or does it feel off-putting? Is the facility like the pictures online or is it completely different looking, many facilities do this to get customers in the door but its deceiving. In the facility, pay attention to whether the staff is warm and friendly or if they seem like they dont want to be there. Keep in mind picturing yourself or your loved one walking through the halls or sitting having dinner with residents, its important to feel comfortable.StaffWhen choosing a memory care facility, the staff is arguably one of the most important aspects of making a decision. The staff are going to be the ones taking care of your loved one. They will be responsible for administering medicine, helping with mobility, running engaging activities, and caring for your loved ones overall safety. Keep in mind if staff looks well-groomed and if they seem to care about their positions in facilities as they are responsible for residents. People who work in memory care should be passionate in this line of work, find people you and your loved one connect with and feel comfortable around.Look for Quality Services and Amenities of Memory CareCareCan you and your loved ones needs be met? Will the nurses and staff cater to your loved one for their specific required needs? These are questions to think about before making the final decision about where to go. 24/7 nursing is important to have when aging, someone to always be there in case of emergency. Look into how care is administered and how it is determined to cater to your loved one. Ask questions on the tour, reach out to the director, and read all the information the facility will provide in detail.TransportationHaving transportation to be able to take your loved one to appointments is needed to transport them safely instead of having to get family or friends during the day to come and do it. This is an important amenity to families of loved ones and residents.Outside SpaceAs humans, everyone needs fresh air. Having a path to walk on or somewhere to be able to sit and get fresh air is important, especially living with Alzheimers or dementia. Its easy to become cooped up a lot of the time, and not want to socialize or come out of the room because it seems scary. Going outside and moving will help any feelings of isolation or sadness. Look for some vitamin D!Some facilities offer many different types of amenities like an ice cream parlor, barber shop, hair salon, library and more!Look for Safety Features Offered in the Memory Care UnitSecurityLiving in a memory care facility, there should be a certain level of security for residents and staff. If your loved one suffers from Alzheimers or dementia, having security implementations such as Wander Guard will help monitor them. If a resident tries to leave the building alone or starts wandering, its a simple way to help avoid accidents and to keep your loved one safe.Call SystemHaving a call system in place will help with the safety of your loved one. Residents can notify nurses if they are not feeling well or have fallen, its a system that helps staff be aware of issues in the building since they cant be everywhere at once. The call system is a feature that helps bring families peace of mind because they know their loved ones are in constant care, which is better than at home.Ask for Their Recreational Activities Calendar of Memory CareInterestMany facilities offer a wide variety of social and recreational activities for residents, with a lot of diversity to cater to different interests. When researching facilities, focus on activities that interest your loved one and seems fun. At a memory care facility, there are more options than at home, but its still important to find activities your loved one will enjoy. Facilities that offer a variety will be helpful in creating a wonderful atmosphere. From indoors to outdoors to exercise classes and karaoke, many facilities offer a lot of options for residents to socialize.FamilyWith the hundreds of activities assisted living facilities can put together, important activities also include family involvement as well as the community. Having a facility that enriches and encourages families to come and visit their loved ones is important to help maintain close bonds. Holiday parties with family, birthdays, and get togethers can help residents with Alzheimers or dementia stay connected.Look for Memory Care Quality Food ServiceDietary NeedsMost people have different needs or specific restrictions when it comes to their diet, especially as they age. It can be recommended by your doctor if suffering from Alzheimers or dementia, an allergy, or a personal choice. Making sure a facility offers special dietary services is an important feature. While looking, its important to also research if the menu is approved by a dietitian.VisitorsLook into whether residents can have visitors and what that cost would be. Some residents might not be able to leave the facility because they are not able, so its important to see if the facility allows family members to have private parties or gatherings.Ask Questions About Contacts and FeesWhen on a tour or speaking with the facility employees ask questions like the following: Are there community entrance fees? Are there any extra costs? Can you age in place? How often do rates increase?Some facilities charge these fees, and some do not. Each facility will work differently for everyone based on their financial situation and each facility offers different services to residents. Find whats best for you and your loved one!This checklist is meant to help get you or your loved ones mind to begin thinking about important aspects to consider when discussing moving into memory care. There are many attributes that pertain to where you or your loved one make the choice. Its important to do the research and investigate certain features that would help make the decision easier. It can be difficult to narrow down the right place, especially with cost being a large factor. Use resources to help in this decision and trust the process!Being in a facility dedicated to helping your loved one live a full life is the purpose of memory care. They will receive 24-hour care, a safe environment for them to live their lives in, activities to keep up stimulation and socialization, and peace of mind for families that a loved one is in a safe space designed for them and their diagnosis.Lets further discuss key points on why memory care could be the right choice for you and your loved one:Reason 1:- 24/7 NursingHaving licensed nursing professionals on-site at all times will provide comfort for you and your loved one when in memory care. It gives you, your loved one, and family members peace of mind knowing medical professionals are always readily available day through night. With Alzheimers or dementia, it can be hard to communicate when not feeling well, or something is wrong. Professional nurses who are trained in memory care can communicate with you or your loved one safely and more efficiently.As families accept the reality of their loved ones being diagnosed with Alzheimers or dementia, the idea of taking care of them can be overwhelming. Family members usually dont have the skills or tools necessary to properly take care of their loved one. Memory care helps release that burden of feeling like someone needs to put their life on hold. There are nurses who work at these facilities dedicating their lives to patients like your loved one. Memory care facility nurses train to become strong communicators and advocators for patients with Alzheimers or dementia. With 24/7 nurses, your and your loved one will gain a sense of safety. Reason 2: Having a 24/7 Activities CalendarWhen living with Alzheimers or dementia, stimulating the mind and body is essential to creating a better-quality life. Its easy for Alzheimers or dementia patients to become isolated and overwhelmed very easily, curated activities for cognitive function can help your loved one live a better quality of life. The reason behind 24/7 activities is to intrigue every type of resident, which could be late in the afternoon or at 3 in the morning. The purpose is to have the opportunity for interaction for residents available regardless of the time. Some residents are night owls, others early birds, both have the chance to do what they want and when.With Alzheimers and dementia patients, every single day is different. Its hard to know how they will react to something or what kind of mood that day will bring. Having an activities schedule robust enough that it is intriguing but not overwhelming is important to the proper care. Memory care facilities create an active environment with skilled nurses to help guide your loved one to a better quality of life while living with Alzheimers or dementia.Reason 3: Amenities AvailableMemory care facilities offer opportunities one would not receive at home. Your loved one would be able to have different perks right down the hall unlike at home. Memory care facilities and their amenities can help to uncomplicate life, doing so by offering a sense of freedom while still being cared for. Lets say your loved one really likes to get out of the house and explore different things like going to the barber shop or the nail salon. Memory care facilities offer amenities like those to bring a sense of normalcy to residents and gives them the independence to explore right there.Reason 4: Healthy Dining ProgramAt memory care facilities, it is very important to residents with Alzheimers or dementia. Usually, dementia friendly meals are served to keep residents physically and mentally healthy as much as possible. When suffering from Alzheimers or dementia, its easy to forget to eat, not remember if you did already, or become too overwhelmed. A balanced diet is important because your loved one cant be responsible for taking care of themselves alone anymore.Memory care facilities help monitor and create balanced meals for residents. They also give the option to not dine alone and create conversation daily while being fueled with the proper nutrition.Reason 5: Making it Feel Close to HomeMemory care facilities dont have to feel like an uncomfortable place. The staff and volunteers have a wonderful gift of making it feel close to home. When moving into a memory care facility, make sure to bring similar furniture, or items that make your loved one feel at home. Its possible they wont remember home much, but items from the past will help to keep the connection.At a memory care facility, they also focus on celebrating residents as well as holidays. Families can visit and theres something to do every single day. Residents can live a better quality of life than if they were home, your loved one can meet people and have friends to socialize with while getting the assistance and care needed.Reason 6: Safety Protocols The most important aspect of a memory care facility is the safety they offer. Nurses, security, and overall care can ensure your loved ones safety. When living at home, it can be difficult to live a good quality life. Unless you or your loved one has home care, there needs to be a solution to help in dealing with Alzheimers or dementia. Memory care facilities will offer constant care and a community for you or your loved one to be a part of, safely.In ConclusionWhen diagnosed with Alzheimers or dementia, having a plan is important to creating the best quality of life possible for your loved one. Memory care will help keep them stimulated, safe and sociable. As hard as it may be to come to terms with a difficult diagnosis, its always possible to create a path in which its not as scary. Memory care facilities will take you and your loved one in with open arms.Pittsburgh is known as one of the best places to live in Pennsylvania according to Niche. It is rich in American history and known as the City of Bridges having 446 of them. There are 195 assisted living facilities in the Pittsburgh area, they offer different opportunities for levels of care and costs.Pittsburgh is a place where different age groups can find multiple activities to do. Being in assisted living wont stop you from still enjoying the city you live in if youre able. Look into the local arts and culture of Pittsburgh, like the Warhol Museum.Where you or your loved one decides to choose memory care is important, as well as the town around it. The Village of Williamsville offers unique shops and a friendly atmosphere to explore. If youre interested in learning more about memory care facilities and what they can offer to you or a loved one, research! Call up potential facilities and schedule a tour to see it in person or a virtual visit.Take the information here and process all the opportunities memory care can give to you and a loved one. It can help to transform someones quality of life, while dealing with an incurable disease. There are so many opportunities for residents with the activities and amenities offered through memory care. Memory care is to help you and your loved one live a better life.
As we embrace National Senior Independence Month, its an opportune time to celebrate the spirit and resilience of our elderly community members. Every February, this dedicated month serves as a reminder to focus on fostering autonomy and well-being among seniors, promoting a life of purpose and independence. Lets explore how our facility plays a vital role in supporting and encouraging the independence of our beloved seniors.As we embrace this National Senior Independence Month, we honor the journey of our community members and celebrate their ability to live life on their own terms. Growing older doesnt mean sacrificing independence; instead, its an opportunity to embrace newfound freedoms and pursue passions with unwavering enthusiasm. From sticking with beloved hobbies to discovering new interests, staying connected with loved ones, and prioritizing health and well-being, seniors have the power to shape their own destinies. This month serves as a reminder of the importance of supporting and empowering seniors as they navigate the next chapter of life.Senior living communities play a vital role in fostering autonomy, well-being, and a sense of belonging among residents. Lets explore some of the primary aspects we consider when evaluating how we can promote independence among our residents:1: Tailored Care Plans: Recognizing Individual NeedsOur facility prioritizes personalized care plans that acknowledge the unique needs, preferences, and abilities of each resident. By understanding and respecting their individuality, we empower seniors to maintain a sense of control over their lives.2: Accessible Amenities: Ensuring Comfort and ConvenienceWeve designed our facility with accessibility in mind. From easily navigable spaces to thoughtful amenities, our goal is to provide an environment that allows seniors to move freely and comfortably, fostering a sense of self-sufficiency.3: Engaging Activities: Nurturing Physical and Mental Well-BeingNational Senior Independence Month is the perfect time to highlight the diverse range of activities available. From fitness classes to arts and crafts, our facilities offer a variety of engaging activities that encourage seniors to explore new interests and maintain an active lifestyle.National Senior Independence Month serves as a reminder that independence is a lifelong journey. We are committed to creating an environment where seniors can thrive, embracing their autonomy, and living life on their terms. Lets all continue to champion the cause of senior independence and ensure that every individual has the support and resources needed to lead a fulfilling and self-determined life.
Our Firm Prepares You for Life What makes our firm different is that we were built with the needs of growing families in mind. We understand you are BUSY, you are growing, you are planning for a life of prosperity and you value ease, convenience and efficiency. You are raising children, and caring for elderly parents, while also working hard to build your own nest egg for a lifetime of support. You want to know youve made the best decisions for your family and that your plan will work when your loved ones need it most. You want to make sure your minor children would be raised by the people you choose, and never by anyone you wouldnt want, and that your teens and adult children are properly prepared to care for you and what you leave behind. You want to feel confident that youve made the right choices, and handled everything so that you arent leaving behind a mess, when something happens. That is our focus as well. Weve developed unique systems to give you the same access to a Personal Family Lawyer as was previously only available to the super-wealthy, so you can have the guidance you need to build and maintain a life of prosperity and wealth. And, to keep your family out of court and out of conflict, which is the greatest risk to the people you love and all you have created, even if youve already worked with a traditional lawyer or created documents online. Our Team Is Here for You We encourage communication with our clients. In fact, weve thrown out the time clocks so you never have to be afraid to call with a quick question. Everything we do is billed on a flat-fee basis, agreed to in advance, so there are never any surprises. We have a whole team to serve you. When you call our office to ask your quick question, you wont have to wait hours or days for a phone call back. Youll get your question answered, right away. And, if you need to schedule a more in-depth legal or strategic call with your Personal Family Lawyer, a call will be scheduled when you're both available and ready for the call so we can make the very best use of your time and not waste your time by leaving voicemail after voicemail back and forth. And, we ensure the most important details of your planning are followed through on and your plan continues to work throughout your lifetime. We have a funding coordinator to ensure your assets are owned the right way throughout your lifetime and none of your assets will end up going through a long, expensive court process or being lost to the state because they were missed after your death. Weve created unique membership programs to keep your plan up to date year in and year out as well as give you access to our Trusted Team of Legal Experts for guidance on ANY legal or financial matter. One day you will need a lawyer. I dont know why and I dont know when, but when you do, you will be grateful you can call on us and well be here to advise you or get you out of a jam. We Help You Transfer Your Life and Legacy Lastly, we believe your financial wealth is only a small part of your overall Life and Legacy Planning which is made up of your far more valuable and most often lost upon incapacity or death intellectual, spiritual and human assets. These assets are what make you who you are, and sum up whats most important to you. And, a survey of inheritors has revealed that what they care about even more than inheriting your money, is inheriting these intangible assets. Most estate plans only focus on the transfer of your financial wealth to the next generation. Most people have such great intentions of passing on the intangible, but very few ever get around to it. Its just not a priority, until its too late. How much do you know about your grandparents values? Their most prized personal possessions? How they felt about you? What they had learned during their lifetime? If you are like most people, you know very little. Thats why we build the capture and passage of these most valuable assets into every estate plan we create. Not only will we help you pass on your money, but also your values, your insights, your stories and your experience the truly valuable assets your loved ones care about the most. Weve developed a tool that allows us to capture and pass on your whole family wealth, including your Intellectual, Spiritual and Human assets. I cant go into all of the details here, but well definitely talk about it when you come in for your Life and Legacy Planning Session.