Are you a taxpayer who has purchased long-term care insurance (LTCI)? Take note of your policy details and your premium amount, as you may be able to deduct the cost – or at least part of it – from your 2023 income.
If your total eligible medical expenses (including your LTCI policy premium) for the year exceed 7.5 percent of your adjusted gross income, you may be able to take the amount of your LTCI policy premium as a deduction on your federal income tax return.
However, note that only certain LTCI policies qualify.
Long-term care insurance helps you cover costs for services you'll likely need as you grow older, such as nursing home care or home health care.
According to LongTermCare.gov, U.S. seniors aged 65 today face a nearly 70 percent chance of requiring some form of long-term care later in life. In fact, almost a fifth of them will need it for more than five years.
Policies for this type of insurance can vary dramatically. Most will provide you with between $2,000 and $10,000 in funds each month, with premiums costing up to $5,000 a year. The younger you are when you purchase LTCI, the less pricey your annual premiums will generally be.
Keep in mind, too, that the average prices for long-term care have skyrocketed over time. For example, a private room in a nursing home will currently cost you more than $9,000 a month on average.
Unless you have very significant wealth, paying for LTCI may be well worth the cost, given how quickly long-term care can drain your retirement savings.
As mentioned above, only certain LTCI policies are tax-deductible. If your LTCI policy is considered “qualified” for tax deductibility, your total eligible medical expenses (including your LTCI policy premium) for the year also need to exceed 7.5 percent of your adjusted gross income in order for you to be able to deduct your premium.
In addition, you're limited in how large a premium you can deduct. Read more about these caveats below:
1. Tax-Qualified Policies – To qualify for tax deductibility, your LTCI policy is required to meet specific rules, as outlined by the National Association of Insurance Commissioners (NAIC).
If you purchased your policy before January 1, 1997, it's likely qualified. (Double-check with your insurance broker or their state’s insurance commission.)
Policies purchased on or after January 1, 1997, have to meet a number of federal standards. Learn more about these standards on Page 9 of the NAIC’s Shopper’s Guide to Long-Term Care Insurance, available in PDF format.
2. Deduction Limits – The limit on your deduction depends on your age at year’s end. The IRS annually issues adjustments to these limits; it increased the 2023 tax-deductible limits by about 6 percent since 2022.
Note that if your annual premium amount for 2023 exceeds the limit provided in the table that follows, it won't be considered a medical expense:
Attained age before the close of the taxable year | Maximum deduction |
Age 40 or under | $480 (up from $450) |
Age 41 to 50 | $890 (up from $850) |
Age 51 to 60 | $1,790 (up from $1,690) |
Age 61 to 70 | $4,770 (up from $4,510) |
Age 71 and over | $5,960 (up from $5,640) |
3. Other Caveats
For further details on these and other inflation adjustments, access the complete PDF from the IRS website.
To get an idea of how much long-term care may cost you, visit Genworth’s Cost of Care online tool to calculate the cost of care where you live.
Be sure to seek out information from a professional when it comes to evaluating your long-term care insurance needs as well as protecting your loved ones’ assets in the event that you do require long-term care. Find a qualified elder attorney near you.
Protecting the Rights and Future of Aging SeniorsAs our loved ones age, many important legal decisions arise that require professional guidance. Elder law encompasses a variety of legal issues affecting seniors, from estate planning to guardianship, and even long-term care planning. In Minneapolis, Minnesota, with its growing senior population, it's essential to understand the role of an elder lawyer and how they can help navigate these complexities.This blog will explore what elder law is, how it can benefit Minneapolis seniors, and how to find the right elder law attorney to protect your familys future. What is Elder Law?Elder law is a specialized area of legal practice that focuses on issues affecting seniors. This can range from long-term care planning to protecting assets from nursing home costs. Elder law attorneys offer advice and assistance with a variety of concerns that are common for older adults.Key areas covered under elder law include:Estate planning: Ensuring that your assets are distributed according to your wishes after passing, which often includes the creation of wills, trusts, and powers of attorney.Medicaid and long-term care planning: Helping seniors understand and access Medicaid benefits and strategies to protect assets while planning for long-term care.Guardianship and conservatorship: Assisting families with appointing a legal guardian for an elderly person who is no longer able to make decisions for themselves.Elder abuse and neglect: Offering legal assistance if abuse or neglect is suspected, whether it's in a nursing home or from a family member.An elder lawyer is essential for ensuring that the senior's legal and financial rights are protected as they age. Why Do You Need an Elder Lawyer in Minneapolis?Minneapolis, with its vibrant senior community, is home to many families who are navigating the complexities of aging loved ones. As seniors age, they face many challenges that require careful legal planning. Here are a few reasons why consulting an elder law attorney is important in Minneapolis:Planning for future care: Minnesota has a variety of senior care options, and it's crucial to make informed decisions about long-term care facilities or in-home assistance. An elder law attorney can help families navigate these options and ensure that their loved ones' wishes are respected.Protecting assets: Many seniors are concerned about the high costs of healthcare and nursing home services. An elder lawyer can provide legal strategies to protect assets while still qualifying for Medicaid or other benefits.Ensuring proper healthcare decisions: In cases where a senior becomes incapacitated, an elder lawyer can help appoint a power of attorney to make healthcare decisions on their behalf.Avoiding probate: Proper estate planning can help avoid the lengthy and costly probate process, ensuring that assets are transferred smoothly to beneficiaries.Legal protection against abuse: Minneapolis has a range of senior care facilities, and elder law attorneys play a vital role in ensuring seniors are not victims of elder abuse, either in institutions or at home.An elder lawyer offers peace of mind, knowing that your loved ones future is legally secure. When Should You Contact an Elder Lawyer?Its never too early to start planning, but it's essential to reach out to an elder lawyer as soon as these legal matters begin to arise. Some common times when you should consider contacting an elder lawyer include:Before or after a diagnosis: If your loved one has received a diagnosis that may affect their ability to manage their own affairs, its a good time to consult an elder lawyer.Planning for end-of-life care: As individuals approach retirement age or experience health changes, its important to establish legal documents such as wills, trusts, and advance directives.Navigating care options: Whether choosing a nursing home or deciding on home health care, an elder lawyer can guide you through legal considerations to ensure the best outcomes.When dealing with elder abuse: If you suspect that your loved one is being taken advantage of or abused, an elder lawyer can help you take legal action to protect them. Finding an Elder Lawyer in MinneapolisIf youre seeking an elder lawyer in Minneapolis, you have access to numerous legal professionals specializing in senior issues. To find a reputable elder lawyer who can guide you through the legal complexities of aging, consider the following:Search online: Many law firms in Minneapolis specialize in elder law, and you can often find detailed information about their services, reviews, and specializations on their websites.Consult your local Senior Resource Centers: Local senior resources in Minneapolis often have connections with trusted elder law attorneys. For example, exploring directories such as Seniors Blue Book can help you find professionals in your area.Ask for referrals: Reach out to trusted friends, family, or healthcare providers for recommendations on elder lawyers they may have worked with or know to be reputable.When choosing an attorney, make sure they are experienced in elder law and have the necessary credentials. Its also essential to schedule an initial consultation to determine if they are the right fit for your needs. How Elder Law Can Help Seniors in MinneapolisElder law provides invaluable services to seniors by protecting their rights and helping them plan for the future. Whether you are concerned about healthcare decisions, asset protection, or ensuring your loved ones wishes are honored, an elder law attorney can provide the expertise needed to navigate these complex matters.For Minneapolis residents, finding the right elder lawyer is crucial for safeguarding your future and ensuring that aging loved ones are well cared for and legally protected.To begin your search for trusted elder law resources in Minneapolis, visit the Seniors Blue Book directory to connect with legal professionals who specialize in senior care.Explore Elder Law Services in Minneapolis Search Elder Lawyer Resources in Minneapolis Whether youre planning for the future or managing the legal complexities that come with aging, an elder lawyer in Minneapolis is essential to ensuring peace of mind and proper legal protection for your loved ones. Elder law professionals can help navigate the nuances of healthcare, estate planning, and asset protection, allowing seniors and their families to focus on what matters most. For more information or to find an elder lawyer in Minneapolis, explore the Seniors Blue Book directory today.
Because of the nature of their work, musicians of all genres are at risk for noise-induced hearing loss. Additionally, being able to hear properly is vital to the musicians livelihood, from being able to hear the right notes and words to playing in the correct pitch and key. Without proper hearing protection, the loud sounds most musicians experience on stage and while playing their instrument can cause permanent damage to their hearing. Additionally, musicians are also at risk for developing tinnitus, or a ringing-in-the-ears sensation. Tinnitus can be present with or without hearing loss, and while not life-threatening, can seriously deteriorate the quality of life for an individual.Hearing protection for musiciansBoth custom and non-custom products are available for musicians to help prevent hearing loss. Wearing the right ear protection not only helps combat hearing loss, but can also help to prevent tinnitus.Musician earplugs: These earplugs for made for musicians playing a variety of different types of instruments. Theyre available in several types of materials, from foam to a softer plastic, and enable the musician to still hear the music being performed. These earplugs are also beneficial for concert-goers to protect their hearing while still enjoying the music.Electronic earplugs: These earplugs are electronic and can be programmed to adjust to different pitches and sounds depending on the loudness and environment the musician is in. These adaptive earplugs allow musicians to hear the sounds that are important, while filtering out damaging noise levels.In-ear monitors: These high-tech devices are used by musicians or audio-engineer professionals and deliver sound to the ear while creating a barrier to background and damaging noise levels. In-ear monitors are available in custom or universal options.Who Can Benefit from Musician Earplugs?Musician earplugs and protection arent simply designed for individuals in a band, they can actually be beneficial to a number of different people, including:Students in the school band or orchestraMusic teachers or conductorsConcert or festival attendeesNightclub workers or patronsEntertainment industry staffFinding the right ear protectionFinding the right ear protection is vital for musicians to not only perform their jobs, but also prevent hearing loss. If you need additional information or assistance in purchasing musicians earplugs consider visiting a hearing professional near you. A hearing specialist will be able to evaluate your wants and ensure you find the right product for your specific needs.
Many people are aware theyre suffering from hearing loss, but find it difficult to get help. Those who have been diagnosed with hearing loss wait, on average, seven years before seeking treatment. The reasons for waiting on help vary; some are frustrated by hearing loss, believing it to be a sign of aging. Others think their condition isnt that severe or may not even realize they have hearing problems.Unfortunately, allowing hearing loss to remain untreated can lead to some serious consequences. The most recent studies highlight the social, psychological, cognitive and health effects of untreated hearing loss. These effects can vary as well, but all have serious impacts on your quality of life.The emotional effects of untreated hearing lossStudies have linked untreated hearing loss to a number of emotional health conditions, including:Irritability, negativism and angerFatigue, tension, stress and depressionAvoidance or withdrawal from social situationsSocial rejection and lonelinessReduced alertness and increased risk to personal safetyWhen you have hearing loss, you may experience difficulty following conversations in a group setting. Due to this problem, youre more likely to socially withdraw from visits with friends and family, which, over time, leads to depression and anxiety. The prospect of being immersed in a work meeting or large gathering, where numerous conversations will occur, can leave you feeling anxious.Untreated hearing loss and cognitive declineIn addition to the impacts on your emotional wellbeing, untreated hearing loss can also affect your cognitive health. When your ability to hear declines, your brain receives less stimulation than it typically would because its not working to identify different sounds and nuances. Over time, this lack of exercise for your brain can lead to memory loss or even dementia. Think of your brain in the same way you think of your body; if you work out the different muscle groups of your body, you remain healthy overall. However, if you instead only focused on one specific area, the other parts of your body become weaker. This is how untreated hearing loss impacts your brain. The portion of your brain responsible for transmitting sound becomes weaker, making memory loss more likely.Benefits of wearing a hearing aidTreating your hearing loss is the first step toward a healthier, happier life. Wearing a hearing aid can enrich your life and reopen many doors that may have closed for you over the years. Other benefits of treating your hearing loss with hearing aids include:Hearing your grandchilds first wordsHearing nature againFeeling safer in citiesAttending dinners in noisy environmentsEnjoying parties and understanding conversationHow to get helpHearing loss isnt age-specific; it can affect everyone, from babies to adults and seniors. The best way to know how to get help is to schedule an appointment with a hearing specialist. He or she will be able to help determine the type and degree of hearing loss you have. From there, the hearing care professional will be able to suggest a type and style of hearing aid that can help you begin to live a happier, more fulfilled life.If you think you or a loved one suffers from hearing loss, dont delay another day. Visit a hearing healthcare professional and take the first step toward a world of better hearing.
Pennsylvania Probate: What You Need to Know After the Passing of a Loved OneIf you are here to learn about Pennsylvania probate laws after the passing of a loved one, we first want to extend our sincere condolences. We understand that this is a difficult time, and we hope the information on this page provides clarity and helps minimize the legal and administrative challenges you may otherwise face.What Is Probate in Pennsylvania?Probate in Pennsylvania is a court-supervised legal process that ensures the transfer of assets from a deceased individual to their rightful heirs or beneficiaries. This process is essential for: Proving the validity of a will Appointing an executor (if there is a will) or an administrator (if there is no will) Inventorying and appraising estate property Paying outstanding debts, estate taxes, and creditors Distributing assets as directed by the willor by Pennsylvania intestacy laws if no will existsIn Pennsylvania, if a deceased person owned real estate or assets solely in their name, their estate must go through probate before assets can be legally distributed.The Downsides of Pennsylvania Probateand What You Can Do NextMany residents in Allegheny County, Butler County, Beaver County, Washington County, and Westmoreland County have heard that probate is a lengthy, expensive, and public process. Unfortunately, this is truewithout proper estate planning, probate can be costly and time-consuming.The best way to avoid probate in Pennsylvania is to plan ahead using strategies such as revocable living trusts, beneficiary designations, and joint ownership structures. However, if you are already in a position where probate is required, the best thing you can do is educate yourself and seek experienced probate legal assistance to complete the process as efficiently and cost-effectively as possible.How Is a Probate Case Started in Pennsylvania?Probate can be initiated by any beneficiary or creditor, but most often, the process begins when the Executor named in the will files the original will and a petition with the Pennsylvania probate court.If there is no will, a close relative of the deceased (such as a spouse, child, or sibling) typically files the petition to become the Administrator of the Estate.Choosing the Executor for a Pennsylvania EstateIf a valid will exists, the individual named as Executor will handle the probate processif they are eligible and willingIf no Executor is available or no will exists, any interested party (such as a family member) can petition the Pennsylvania Orphans' Court to be appointed as the Administrator of the Estate.Executor Compensation in PennsylvaniaUnder Pennsylvania probate law, Executors and Administrators receive compensation based on a percentage of the total probate estate value. This is designed to fairly compensate them for their time and effort in managing estate matters.However, Executors can be held personally liable for any mistakes made during the process. Given the complexity of Pennsylvania probate rules, its critical to work with a skilled probate attorney to avoid legal pitfalls.Do You Need to Go Through Probate If a Trust Exists?In most cases, no. If the deceaseds assets were properly titled in the name of a trust, probate is not required. Instead, the successor trustee will work with an estate planning lawyer to administer the trust and distribute assets.However, many families are surprised to learn that simply having a trust does not guarantee that probate will be avoided. Common mistakes include: The trust was not updated over time to reflect new assets. The decedents assets were never properly transferred into the trust.To ensure your estate plan works as intended, its important to work with an estate planning attorney who provides ongoing trust maintenance and reviews.Which Assets Are Subject to Probate in Pennsylvania?Assets that must go through probate include: Real estate, bank accounts, or investments owned solely in the deceaseds name Personal property and valuable assets without a beneficiary designationAssets that bypass probate include: Jointly owned property with Right of Survivorship Bank accounts or investment accounts with Transfer on Death (TOD) or Payable on Death (POD) designations Life insurance policies and retirement accounts with named beneficiariesHowever, some assets that normally bypass probate can still become subject to the process under certain circumstances. Consult with a Pennsylvania probate attorney to determine if probate applies to your specific situation.How Pennsylvania Intestacy Laws Distribute an Estate When There Is No WillIf no valid will exists, Pennsylvania intestacy laws dictate how the estate will be distributed:1 Spouse (If married, a portion or all of the estate goes to the spouse)2 Children (If the deceased had children, they inherit next)3 Parents (If there are no children, parents inherit)4 Siblings (If no spouse, children, or parents, siblings inherit)This highlights the importance of estate planningwithout a will or trust, the state determines who receives your assets.How Long Does Pennsylvania Probate Take?The timeline for Pennsylvania probate varies depending on the estates complexity. On average: Minimum of 12 months for simple cases Up to 2+ years for complex estates, disputes, or tax-related mattersWhat Are the Costs of Probate in Pennsylvania?Probate costs in Pennsylvania include: Attorneys fees (Based on estate size and complexity) Court filing fees Executor fees (set by Pennsylvania law) Appraisal and valuation fees Publication and administrative costsIn more complex estates, additional fees may apply, increasing probate expenses and delays.How to Choose the Right Pennsylvania Probate AttorneySelecting the right probate lawyer in Pennsylvania is crucial. Many general practice lawyers dabble in probate law, but only experienced probate attorneys have the knowledge to navigate complex estate matters efficiently. You do NOT have to use the attorney who prepared the will. You have the right to choose a specialized probate lawyer who understands the nuances of Pennsylvania estate law and can expedite the process. Avoid costly mistakes. Working with an experienced probate attorney prevents errors that could increase costs, cause delays, or result in legal disputes.Contact Entrusted Legacy Law for a Complimentary Pennsylvania Probate ConsultationIf youre ready to begin the probate process in Pennsylvania, our Allegheny County and Butler County probate attorneys are here to guide you.Call us at 412-347-1731 to schedule a complimentary 15-minute consultation to determine your next best steps.During your consultation, we will: Answer your probate-related questions Provide guidance on estate administration Help you navigate the Pennsylvania probate process efficientlyWe are here to relieve the legal and administrative burden during this difficult time and ensure that your loved ones estate is handled with care.
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.
Estate Planning for Everyone You Love and Everything You OwnHave you ever considered what would happenlegally and financiallyto you, your family, your assets, and everything you care about if the unexpected were to occur?If your estate plan is outdated or non-existent, your assets could be lost to the State Department of Unclaimed Property, subjected to an expensive and time-consuming probate process, or even end up in the wrong hands. Without a comprehensive estate plan, your loved ones may face unnecessary financial hardship, legal disputes, or court intervention at a time when they need certainty and protection the most.If you dont know exactly what would happen to everything you own and everyone you love, the first step is to gain clarity. You need to understand how your current estate plan (or lack thereof) will impact your family so you can make informed decisions about whether it truly aligns with your wishes.How Entrusted Legacy Law Helps You With Estate PlanningWe offer customized estate planning solutions designed to protect your family, preserve your wealth, and ensure your wishes are honored. Through our Life and Legacy Planning Session, we take the time to educate you on the legal, financial, and personal implications of your estate choices.Step 1: The Life and Legacy Inventory & AssessmentBefore your Life and Legacy Planning Session, you will complete a comprehensive estate inventory that outlines your financial assets, real estate holdings, retirement accounts, life insurance policies, and other valuable property. This step ensures that we have a full picture of your estate and can identify potential gaps in your asset protection strategy.Step 2: Creating a Personalized Estate PlanIf you decide that your current estate plan is inadequateor if you dont have one at allwe will work together to design a legally sound and strategically structured estate plan that meets your familys unique needs. The foundation of your estate plan will often include a revocable living trust, which allows you to transfer your assets into the trust while maintaining control during your lifetime.Benefits of a Revocable Living Trust: Avoid Probate Prevents the time-consuming and expensive court process that could otherwise delay asset distribution. Minimize Estate Taxes Helps reduce tax liabilities and protect your wealth for future generations. Ensure Privacy Unlike a will, which becomes public record, a trust ensures your estate remains private. Maintain Control Dictate how and when your assets are distributed to your heirs.For families with complex financial portfolios, business ownership, or special circumstances (such as blended families or special needs children), we offer advanced estate planning strategies tailored to your specific goals.Can You DIY Your Estate Plan?Many people wonder if they can create an estate plan using online templates or generic legal services. Unfortunately, most DIY estate plans fail when families need them the most. What often passes for "estate planning" is nothing more than basic document generation, where you answer a few questions and receive a generic template that may not fully protect your assets or your loved ones. No Personalization A generic template cannot address your unique family dynamics, financial situation, or specific legal concerns. Legal Loopholes Improperly structured wills or trusts may be contested in court, leaving your family in legal disputes. No Ongoing Maintenance Estate laws change, and without updates, your plan may become outdated and ineffective.At Entrusted Legacy Law, we dont just draft documentswe provide comprehensive estate planning services that ensure your estate plan actually works when it matters most. We take the time to understand your familys needs, educate you on your options, and create a legally enforceable, tax-efficient, and conflict-free estate plan that gives you peace of mind.Protecting Families & Minor Children Through Estate PlanningIf you are a parent with young children, your estate plan should begin with a solid foundation that ensures your children will always be taken care of, no matter what happens. Without the proper legal protections in place, your children could end up in the custody of someone you wouldnt have chosenor worse, under state guardianship.At Entrusted Legacy Law, we specialize in estate planning for families with minor children. We help parents:Name Legal Guardians Ensure your children are raised by trusted individuals of your choosing.Set Up Trusts for Minor Children Prevent financial mismanagement by appointing a responsible trustee to oversee assets.Establish Emergency Plans Provide clear instructions for immediate care in case of sudden incapacity or death.Whether youre planning for minor children, adult dependents, elderly parents, or a complex estate, we can guide you through the estate planning process with personalized strategies to protect your familys future.Secure Your Legacy With Entrusted Legacy LawEstate planning isnt just about who gets whatits about ensuring that your loved ones are financially secure, legally protected, and prepared for the future.If you want to create a comprehensive estate plan that reflects your wishes, avoids probate, minimizes taxes, and keeps your loved ones out of court and out of conflict, then now is the time to take action Contact Entrusted Legacy Law today to schedule your Life and Legacy Planning Session and take the first step in protecting your family, your assets, and your future.