Consider tax-smart charitable gifts

Marriage is more than a ceremony its a union of families and finances. When you and your partner are honest with each other about money and financial goals, it can help build trust, leverage your strengths and help pave the way for a financial happily ever after. Since talking about money can be difficult, begin with conversations not so much about money itself but about the things that matter to you. Youll find these are also your financial priorities and a good way to see if youre on the same page, or how far apart you might be.Here are a few conversation starters.         Make a list of short- and long-term goals from buying a house to retiring early. Do you want children? Will one of you change careers or go back to school? See where your lists overlap and where some goals may be more important to one partner.          Ease into the financial implications. If you plan to grow your family, would one of you like to stop working or reduce your hours to provide child care? If more schooling is a priority, what kinds of changes might that require?         Share your feelings about money. How did your family treat money while you were growing up? What does money mean to you security, freedom, stress or something else? Are you both spenders or savers, or is there one of each?  Before your big day, or early in your marriage, decide how youll blend your financial lives.         Fully disclose your current financial situation. Discuss each partners assets and debts and how, or if, youll combine them. Theres no one right answer the key is for you both to agree. In nine community property states, all assets and debts are shared 50/50 after marriage regardless of individual or joint account status. Check to see whether yours is one of them.         Align on your budget and spending. This can empower you to spend within your means while moving toward your financial goals.          Determine who will handle the various tasks of managing money. Who is responsible for which bills, who files the taxes and when will you consult each other on financial decisions like major purchases a car, perhaps, or a major household appliance?  Once you're married, there are a few things to address right away. You may want to consult with financial, tax and legal professionals to help avoid pitfalls and identify opportunities.          Employer benefits. Newly married employees usually have a 30-day special enrollment period to update certain benefit elections such as health and life insurance.          Taxes. Adjust the W-4 tax withholding on your employee forms to reflect your marital status and ask your tax professional which tax-filing status makes sense for you.          Insurance policies. Combine and update policies and beneficiaries, including adding each other to auto insurance policies if you drive each others cars.          Estate documents. Now with a family, prepare for the unexpected. Create or update a will, medical directive, and financial and health care powers of attorney, and you may want to explore whether a revocable trust is appropriate. Getting married is perhaps one of the most exciting times of your life. As you commit to a lifetime together, make sure that includes a financial commitment. By starting a habit of financial discussions now and returning to them periodically, you can help set yourselves up for a lifetime of financial compatibility, stability and freedom.Chad Choate III, AAMS 828 3rd Avenue West Bradenton, FL 34205 941-462-2445 chad.chaote@edwardjones.com This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

For family caregivers, there is no greater comfort than knowing your aging parent or loved one is not just cared for but genuinely seen, heard, and understood. And for older adults, loneliness can be one of the quietest but most painful forms of suffering. Thats where Seniors Helping Seniors Pittsburgh steps in, offering something truly special: compassionate companionship that changes lives from the inside out. In a world where in-home care often focuses on the physical medication reminders, mobility, meal prep this organization understands the deeper truth: emotional wellbeing matters just as much. Through its peer-to-peer caregiving model, Seniors Helping Seniors connects active, compassionate seniors with those who need support, offering non-medical in-home care and something even more powerful friendship. Why Companionship Is Critical for Seniors Studies from the National Institute on Aging and AARP have shown a stark truth: chronic loneliness can be as harmful to health as smoking 15 cigarettes a day. It increases the risk of dementia, heart disease, depression, and even premature death. The irony is that many seniors dont talk about their loneliness they simply live with it. But the antidote isnt just more services. Its connection warm conversations, shared hobbies, laughter, and a trusted face that returns each week. Companion care for seniors has become one of the most vital services in elder support, not just for its feel-good benefits but for its life-changing results. Thats exactly what makes Seniors Helping Seniors Pittsburgh so unique. Their model fosters mutual respect and comfort because the caregivers are seniors themselves. They understand the aches and milestones of aging firsthand. This creates an immediate bond that younger caregivers often struggle to replicate. Human-Centered Care in a High-Tech World As families juggle caregiving responsibilities alongside careers and children, in-home senior care is increasingly becoming a necessity. But too often, care is transactional built around checklists, not conversations. With Seniors Helping Seniors, the relationship is the heart of the service. From grocery trips and doctor visits to baking cookies or going on a neighborhood stroll, every activity is infused with intention and companionship. This isnt just senior home care in Pittsburgh its a blueprint for how we should care for one another. Caregivers are thoughtfully matched based on personality and shared interests. This increases consistency, comfort, and trust a rare luxury in a world of rotating aides and rushed visits. Whether your loved one needs a walking buddy, someone to play cards with, or just someone who will truly listen, these caregivers provide the kind of presence that uplifts the soul. Benefits for Family Caregivers If youre a family caregiver, you already know the mental, emotional, and physical strain that comes with supporting an aging loved one. Its a labor of love but its also exhausting. One of the greatest gifts of companion care is that it doesnt just help the senior it helps the whole family. By knowing that your loved one has meaningful social interaction, you can take a break without guilt. Respite care and companionship visits offer relief while enhancing your loved ones quality of life a win-win. Real People, Real Impact One local client shared, My mom hadnt laughed like that in years. Her companion, Mary, comes by every Thursday and they bake, talk, and play music. Its like shes come alive again. Thats the difference that in-home companion care can make and its why more families are choosing this model not just for safety, but for joy. Why Seniors Helping Seniors Pittsburgh Stands Out Peer-to-peer care model: Seniors helping other seniors creates natural comfort and understanding. Flexible scheduling: Whether your loved one needs a few hours a week or more regular visits, services are adaptable. Locally owned and operated: With roots in the community, they provide trusted senior care in Pittsburgh that families can rely on. Focus on connection: Every visit is built around companionship not just task completion. In a time when elder care is often rushed, outsourced, or impersonal, this organization brings something refreshing: dignity through friendship. Final Thoughts The importance of companionship for seniors cannot be overstated. Its not just about keeping busy its about being valued. Seniors Helping Seniors Pittsburgh delivers this value with heart, humor, and humanity. For caregivers, its a relief to know someone else cares as deeply as you do. For seniors, its a reminder that aging doesnt have to mean isolation it can be a chapter filled with connection and joy. If you're looking for compassionate senior care in Pittsburgh, especially one that prioritizes emotional wellbeing, consider giving Seniors Helping Seniors a call. Sometimes, the most powerful medicine is simply being seen and being together.

This Veterans Day, we pause to honor the brave men and women who have served our nation with unwavering dedication. Your military service demonstrated a profound commitment to protecting America's future and now it's time to protect your family's future through thoughtful estate planning I call Life & Legacy Planning. Just as you approached missions with precision and care during your service, attending to your Life & Legacy Planning with the same attention to detail can ensure your loved ones are well-cared for and your legacy is preserved.  In this article, I will help you understand the unique estate planning opportunities available to veterans and the steps you can take to secure your family's tomorrow. Lets start with veterans' benefits. Understanding Your Veterans Benefits Your military service has earned you and your family special benefits that extend beyond your lifetime. The Department of Veterans Affairs (VA) offers several programs that can provide for your loved ones after you're gone. Your spouse may be eligible for Dependency and Indemnity Compensation (DIC), if you pass away due to a service-connected condition. Additionally, your family might qualify for burial benefits, including a free burial plot in a national cemetery, a headstone or marker, and a burial flag. To ensure your family can access these benefits, keep your discharge papers (DD Form 214) with your estate planning documents and inform your executor of their location.  You should also maintain a current list of all VA benefits you receive, as this information will be crucial for your family to continue receiving eligible benefits. When you work with me to create your Life & Legacy Plan, I will help you organize the information your family will need so theyll know for sure theyll receive all the benefits they are entitled to. No guessing, no extra work, and no lost benefits simply because they didnt know what was available to them. Creating Your Estate Planning Strategy Life & Legacy Planning for veterans requires careful consideration of both military and civilian assets. I recommend you create a comprehensive list of your assets, including: Military pension and retirement accounts Life insurance policies (both military and private) Property and real estate Investment accounts Personal possessions with monetary or sentimental value When you meet with me for a Life & Legacy Planning Session, I will support you to create this inventory before we create your plan, because this inventory is incredibly important. Without an inventory, your family will not know how to find your assets and assets you care about could easily get lost or be difficult to find.  Once you have created your inventory, well meet for up to 2 hours and review your assets, your benefits, your family dynamics and your desires, values, and wishes for what you want to happen with everything you own and everyone you love, in the event of your incapacity, or eventual death. Well go through your asset inventory, and Ill tell you what will happen to each under your current estate plan. Ill also tell you what will happen to your loved ones, including your minor children. Armed with this knowledge, youll then decide on the right plan for you, based on whats important to you and in alignment with your budget.  Note that service members can create basic estate planning documents through the military legal assistance office at no cost. This may or may not be an adequate option for you, depending on your needs. For example, if you have minor children, you need a comprehensive plan that will keep your children from being taken into the care of strangers or raised by people youd never want to raise them, if something happens to you. Or, if you have a blended family, no children, a business, a child with special needs, or significant assets, you need a comprehensive plan that will keep your family out of court and conflict, which a free, documents-only plan will not do. Finally, for your plan to work when you need it to, your plan needs regular reviews and updates as your life changes, your family dynamics change, and your assets change.  A free, documents-only plan is just that - documents. You wont have a trusted advisor who has your back and will ensure your plan stays updated over time. But you get all these benefits (regular reviews, a comprehensive plan that keeps your family out of court and conflict, etc.) when you work with me and create a Life & Legacy Plan. So I encourage you to educate yourself before creating a plan based only on documents. I have many free resources for you on my website to help, or you can book a complimentary consult call with me using the booking link below. Working with a Trusted Advisor While the military legal assistance office provides valuable services, you may benefit from working with an attorney who understands both veterans' benefits and estate planning, especially if you have a potentially complex situation, like a blended family, a family member with special needs, a debilitating illness, no children (yes, this is often a complex matter, not a simple one!), or many varied assets. A competent attorney can help you: Structure your estate to maximize benefits for your survivors Create trusts to protect assets if you need long-term care Navigate complex VA regulations Ensure your estate plan complies with state and federal laws Update your plan as laws and regulations change Please book a complimentary call with us below for more information and guidance about whats right for you and your loved ones. Your service to our nation demonstrates your commitment to protecting what matters most. Now, it's time to protect your own legacy through careful estate planning. By taking these steps, you're continuing your tradition of service by ensuring your family's security and well-being. Remember that Life & Legacy Planning isn't a one-time task. Its imperative to review your plan regularly, especially after major life changes like marriage, divorce, a birth, or significant changes in your financial situation. When you work with me, we include regular reviews to ensure your plan works when you and your loved ones need it.  You deserve the peace of mind that comes from creating a comprehensive Life & Legacy Plan. Its one of the greatest gifts you can give your loved ones, and it's a fitting way to honor the sacrifices you've made in service to our country. How We Help You Honor and Protect Your Legacy Veterans have already given so much in service to our country you shouldn't have to worry about your family facing legal challenges or missing out on earned benefits. As an Estate Planning Law Firm, we help you create a Life & Legacy Plan that honors your military service by ensuring your loved ones stay out of court and conflict, while maximizing the benefits you've earned through your service. Once you've created your plan, you can rest easy knowing your wishes will be honored and your family will be protected with the same dedication you showed to protecting our nation.   Contact Entrusted Legacy Law at 412-547-9855 or click here to schedule a complimentary 15-Minute call.