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One of the first questions many clients ask is whether they need a trust. It’s a great question, but it leads to another: What do you want your plan to accomplish? Let’s begin with a brief discussion of what trusts are and how they work. Then we’ll explore their benefits, which should give you a better idea of whether a trust is right for you and your family.
There are many different types of trusts and they can accomplish a wide range of goals. However, when most people think about trusts, the one they have in mind is a Revocable Living Trust.
A Revocable Living Trust is a legal document that allows the grantor (the person who creates the trust) to take personal assets and transfer them to the ownership of the trust. While the trust technically owns the assets, the grantor can continue to use them as he or she normally would.
When a Revocable Living Trust is established, the grantor names a trustee to manage the assets in the trust during the grantor’s lifetime. Most grantors name themselves as trustee, giving them complete control over the trust’s assets. Typically, a successor trustee is also named to take over management of the trust and distribute trust assets after the grantor passes away.
One of the primary benefits of a Revocable Living Trust is that it enables assets held in the trust to avoid probate after the grantor’s death. This allows trust assets to be distributed to heirs quickly. The costs associated with probating the estate are also avoided. In addition, a Revocable Living Trust protects the privacy of the grantor (and beneficiaries) because the trust’s provisions are confidential. A Last Will and Testament, on the other hand, is a matter of public record. Anyone can access information about the decedent’s assets, creditors, debts, and more.
Another benefit of Revocable Living Trusts is they not only allow the grantor to control trust assets during life but also after he or she passes away. The grantor can stipulate when, how, and under what circumstances the successor trustee is authorized to distribute trust assets to beneficiaries. This is particularly important if the beneficiaries are not yet mature enough to manage an inheritance on their own, or in situations involving blended families. For example, the grantor could stipulate that children from a first marriage receive assets from the trust, not just the children from a more recent marriage.
Revocable Living Trusts can also be used to protect the grantor and the grantor’s family from a stressful and expensive guardianship proceeding if the grantor becomes incapacitated.
As we mentioned earlier, there are many different types of trusts. If one of your primary goals is to protect assets from long-term care costs, creditors, lawsuits, and other threats, an Irrevocable Trust or an Asset Protection Trust may be a much better option then a Revocable Living Trust. If you have a loved one with special needs, a Special Needs Trust can allow you to create a fund for goods and services not provided by Medicaid or Supplemental Security Income while protecting eligibility for these vital programs. A Charitable Trust allows the grantor to set aside money for both a charity and beneficiaries, realize certain tax advantages, and generate an income stream.
These are but a few examples of various trusts and what they can accomplish. If you’re still not sure whether you need a trust, we welcome the opportunity to explain your options in detail and, if appropriate in your particular circumstances, design and implement the trust that’s right for you and your family.
Moving to a new home is an exciting adventure, but for your furry friend, it can be a stressful experience. Pets thrive on routine and familiar surroundings, so a sudden change can trigger anxiety. But with a little planning and the right support, you can help your pet feel safe, secure, and comfortable during the moving process.At Bluestar Move Management, we understand that every move is unique, and were here to help make the transition smoother for both you and your pets. Here are some strategies to ensure your four-legged family members feel right at home in your new space.1. Plan Ahead for Your Pet's Health and SafetyBefore you begin packing up your home in SWFL, take a few crucial steps to ensure your pets health and safety during the move:Schedule a Vet Visit: Ensure your pet is healthy and up-to-date on their vaccinations before the move. If youre relocating to a new area, ask your vet for recommendations for local clinics and get a copy of your pets medical records.Update Microchip & ID Tags: If youre moving to a new address, dont forget to update your pets microchip and ID tags with your new contact information. This ensures theyll be safe in case they get lost during the transition.2. Stick to a RoutineRoutine is key to your pets comfort. During the moving process, try to maintain their usual schedule as much as possible. Feed them at the same time, keep walks on track, and continue giving them plenty of love and attention. Familiarity helps reduce anxiety and keeps your pet feeling secure, even in the midst of change.3. Create a Safe Space During the MoveOn moving days, things can get chaotic, especially in the busy neighborhoods of SWFL. With movers coming in and out, its easy for your pet to become overwhelmed. To keep your pet calm and prevent them from getting lost or stressed, set up a quiet, secure room where they can relax.Make sure the room includes your pets bed, toys, water, and some familiar scents. If youre traveling with your pet, whether within SWFL or beyond, bring a comfortable carrier or harness to ensure their safety during the trip.4. Take It Slow in the New HomeOnce you arrive at your new home in SWFL, its important to introduce your pet to their new environment gradually. Start by setting them up in one room with their bedding and toys to create a comforting, familiar space. Let them explore other areas of the house at their own pace.Introducing your pet slowly to the new environment will help them adjust more quickly and feel less overwhelmed. The familiar smells and objects they recognize will help them settle in faster.5. Trust Bluestar Move Management for a Stress-Free ExperienceWith the right preparation, your pet can adjust to their new home in SWFL without too much stress. Bluestar Move Management is here to provide the support and expertise you need for a seamless move. We handle all the detailsfrom packing to unpacking and setting up your new spaceso you can focus on what really matters: your pets comfort and your own peace of mind.Moving with pets doesnt have to be stressful. Let Bluestar Move Management take care of the heavy lifting while you enjoy a smooth, easy transition to your new home.Ready for a stress-free move with pets? Contact Bluestar Move Management today at 239-387-1147, and well help you every step of the way!
How To Stay Healthy and Happy All SeasonWinter can be a challenging season for seniors, requiring extra attention to health and well-being. Even in the warmer climates of Florida, seniors can still benefit from adopting essential wellness practices to boost their physical and mental health. Looking for some ideas for staying healthy this winter? Here are easy winter wellness tips to help you or your loved ones thrive during the cooler months, focusing on staying active, eating healthy meals, boosting immunity, and maintaining mental well-being.1. Stay Physically Active Indoors or Out!Maintaining physical activity is crucial for overall health and managing stress, especially this time of year when outdoor activities may be limited due to cold weather. When the temperature is agreeable and sidewalks are free of ice or snow, walking is a great way to get exercise and fresh air. Prefer to stay indoors? Low-impact exercises, such as chair yoga, stretching or indoor walking, are excellent ways to stay active without straining joints. These gentle routines can help improve:FlexibilityStrengthBalanceConsider joining community classes, a local gym or following online workout sessions specifically designed for seniors to ensure a safe and effective exercise routine.2. Boost Immunity With a Balanced DietEnjoy nutritious, comforting winter foods. Warm meals can bring comfort and nourishment during the winter months. Consider preparing hearty soups, stews, and casseroles that incorporate seasonal vegetables rich in vitamins and minerals, including:SquashCarrotsSweet potatoesThese meals not only warm the body but also provide essential nutrients needed for optimal health. Experimenting with new recipes can also add excitement to your winter dining experience.A well-balanced diet plays a vital role in supporting the immune system, particularly during winter. Incorporating foods rich in vitamins and minerals can help fend off seasonal illnesses. Focus on including vitamin C-rich foods, such as:Citrus fruitsLeafy greensBell peppersEmphasizing whole grains, lean proteins, and plenty of vegetables can keep your body energized and healthy throughout the season.3. Stay HydratedHydration is just as important during the winter as it is in the summer, though many people forget to drink enough water in cooler weather. Seniors are especially at risk of dehydration, so its vital to maintain regular fluid intake. Aim for at least 68 glasses of water a day, and remember that herbal teas, soups, and water-rich fruits like oranges and melons can also contribute to hydration. Staying hydrated helps support energy levels, improves digestion, and keeps skin healthy during the drier months.4. Dress Warmly and Prevent FallsEven in warmer climates, seniors should dress appropriately for cooler temperatures. Wearing layers allows for easy adjustments to temperature changes throughout the day. Proper footwear is also essential; non-slip shoes can significantly reduce the risk of falls, especially on potentially slippery surfaces. Taking proactive measures to enhance home safetysuch as installing grab bars in bathrooms or using slip-resistant rugscan further help prevent accidents during the winter months.5. Stay Mentally EngagedThe winter months, with their shorter days, can sometimes lead to feelings of isolation or the winter blues, particularly if you find yourself spending more time indoors. Staying mentally engaged is critical for emotional well-being. Activities like reading, puzzles or the creative arts can keep your mind sharp and stimulated. Equally important is maintaining social connections. Engaging with family, friends or community groups can uplift your spirits and combat loneliness. Consider participating in local events or joining clubs to foster new friendships and connections.6. Reduce the Spread of GermsWinter is cold and flu season, so reducing the spread of germs is key to staying healthy. Washing your hands frequently, using hand sanitizer, and regularly disinfecting surfaces can help prevent illness. An effective means of preventing the spread of viruses can be as easy as not touching your eyes, nose or mouth. Seniors should also avoid crowded areas during peak flu season and consider getting a flu vaccine to protect themselves. Encouraging social interaction is important for mental well-being, but its wise to limit exposure to anyone showing symptoms of illness and maintain proper hygiene practices. If you do become ill, remember to cover your mouth when you cough or sneeze.7. Get Plenty of RestRest and recovery are essential for overall health, especially during winter when your body may be working harder to fight off germs. Seniors should aim for 79 hours of sleep each night to support immune function and cognitive health. Establishing a relaxing nighttime routine, such as reading or listening to calming music, can help you unwind, improve sleep quality and maintain a regular sleep schedule. Prioritizing rest also boosts mood and energy, helping to combat winter fatigue.Prioritize Your Wellness All Year LongStaying healthy and happy during the winter months is achievable with intentional actions. By incorporating these wellness tips for staying healthy into your routine, you can enhance your physical and mental well-being throughout the season.For seniors looking for comprehensive support in maintaining their health and wellness, communities like The Terraces at Bonita Springs, a luxury Life Plan Community in Bonita Springs, Florida, offer year-round wellness programs, nutritious dining options, and a variety of social activities designed to foster a fulfilling lifestyle. Embrace the season with confidence, knowing small changes can lead to significant improvements in your overall well-being.Prioritize your wellnessand happinessall year long at The Terraces. Call 239-208-6963 or contact us online to schedule a personalized visit and experience our brand of living well.
By Phara Lafortune-Morame, LCSW, MCAP, EMDR cert., QS.There are many reasons that significant moments are often celebrated with a drink. But during the holidays, otherwise-celebratory toasts can be triggers for people who struggle with substance use disorder, including seniors.Some families and cultures have holiday traditions that lean heavily on alcohol consumption. Family recipes for festive cocktails and toasts before dinners reinforce the idea that consumption is part of connecting with loved ones and embracing the holiday spirit.The Distilled Spirits Council of the United States notes that a quarter of the $49-billion-a-year distilled spirits industrys profits come from the month between Thanksgiving and the New Year. Another study notes that the average American drinks 27% more during the holiday season compared to the rest of the year.As a result, the stress and anxiety associated with the holiday season can result in increased consumption or return to drug and alcohol use for those currently in recovery, particularly for older residents, who tend to suffer from depression more during the holidays. Many studies note that nearly half of individuals recovering will return to use during the holiday season.The prevalence of substances in celebrations often mixes badly with the elevated depression and stress the holidays can bring. Expectations for creating and experiencing holiday joy are at the center of potential substance use triggers. When mixed with emotional turmoil, financial stress, loneliness, grief, nostalgia, and dysfunctional and complex family relationships, this can create a desire to seek temporary escape from overwhelming feelings through substances. For those aged 65 and older, alcohol misuse is the most frequently reported substance of use.The use of alcohol in older adults negatively impacts brain structure and function and can lead to declines in cognitive function and memory, particularly for adults over the age of 65. In addition, the bodys ability to break down alcohol decreases with age, resulting in increased risk for accidents and falls, fractures and car accidents. For anyone in recovery from substance use disorder, or concerned about increased consumption through the holidays, it is important to plan.Here are strategies for staying sober: Be aware of people, places or situations that can trigger consumption, and do what you can to minimize these exposures. Keep (and bring, if necessary) a nonalcoholic drink in your hand to resist temptation and discourage others from offering an alcoholic drink. Set realistic expectations. Stress is common for nearly everyone during the holidays, and spontaneous, imperfect moments are often the most memorable and special moments. Take care of yourself. Proper nutrition, exercise and meditation do wonders for your well-being. If you feel well physically, you will be stronger emotionally. Set boundaries, and let people know where you need support in resisting temptations. Have a plan on how to navigate, and more importantly exit social gatherings (For example, do not be dependent on someone else for transportation, so you can leave if needed). Be aware that returning to use a substance after a period of abstinence can happen AFTER the holidays, where we can justify returning to use by feeling entitled to drink or use drugs for having made it through the holidays. Sometimes, we manage better during a crisis than afterward.. Seek professional help and support.Sometimes, substance misuse is difficult to recognize in older adults, and few treatment programs are designed to meet their needs. However, the Primary Care Addiction Treatment (PCAT) program for adults at Healthcare Network follows a supportive, compassionate and nonjudgmental approach to encourage healing and lessen negative effects. The program treats every patient with respect and dignity, using empathetic language to reduce stigma and foster a supportive environment.Healthcare Network also offers medication for addiction treatment (MAT) for opioid use disorder, alcohol use disorder, and other substances within a primary care setting. Comprehensive care includes medication treatment along with behavioral therapy and counseling services to provide a whole-care approach to treating substance use disorders and support recovery.In addition, our primary care programs for the whole family include integrated mental and behavioral health care to address some of the mental health challenges that are sometimes at the root of substance use disorders.Help is available through the holidays and beyond. Supportive treatment can be the gift of a lifetime for you and your loved ones. About the Author By Phara Lafortune-Morame is associate clinical director of behavioral health at Healthcare Network. To learn more about substance use and behavioral and mental health support available Healthcare Network, visit healthcareswfl.org or call 239.658.3000.
Pam Buff Baker, Esq., owner and founder of Safe Harbor Law Firm works closely with clients to meet their legal needs. In particular, Pam works in all areas of Estate Planning, Elder Law, Probate and Trust Administration. Pam graduated magna cum laude from Tulane University, having majored in chemical engineering. Since graduating from Tulane, Pam has worked in sales, marketing, and technical support for Eka Chemicals (part of Akzo Nobel), a company division that supplies water purification and treatment systems. Later, Pam moved to Naples, Florida. Since then, Pam graduated summa cum laude from Ave Maria School of Law, where she was Associate Editor of the Law Review and a scholarship winner. During her time at Ave Maria School of Law, Pam worked in the legal department of Arthrex and interned for several local law firms. Pam is a champion golfer, having been a varsity player at Tulane, inducted into the Hall of Fame. She was an All-American golfer, three-time conference champion, conference player of the year, and student athlete of the year. When she has free time, Pam likes to play golf and go to the beach and pool with her family. Originally from Chicago, Pam has lived year-round in Naples, Florida since 2005.
At Safe Harbor Law Firm (formally known as Buff Law Firm PLLC), we focus on estate planning, elder law, and closely related practice areas. Our true focus, however, is helping families plan for and take control of their future. This can involve:Ensuring your assets will go to the people you want, when you want, in the manner you want after you pass awayPreparing for the possibility that you or your spouse will need expensive long-term careand helping you find ways to pay for itEnsuring that people you trust have the authority to make financial and medical decisions on your behalf in the event of incapacityProtecting your assets and those of your heirs against threats such as creditors, lawsuits, divorce, the high cost of long-term care, and moreGuiding your loved ones through the probate and/or trust administration processSafe Harbor Law Firm has helped families from all walks of life find solutions to challenges like these and many more. We welcome the opportunity to do the same for you. Ultimately, our goal is to help you enjoy the peace of mind that comes from having a plan in place for the future. We invite you to contact us for a personal meeting to discuss your particular needs and goals.
At Safe Harbor Law Firm (formally known as Buff Law Firm PLLC), we focus on estate planning, elder law, and closely related practice areas. Our true focus, however, is helping families plan for and take control of their future. This can involve:Ensuring your assets will go to the people you want, when you want, in the manner you want after you pass awayPreparing for the possibility that you or your spouse will need expensive long-term careand helping you find ways to pay for itEnsuring that people you trust have the authority to make financial and medical decisions on your behalf in the event of incapacityProtecting your assets and those of your heirs against threats such as creditors, lawsuits, divorce, the high cost of long-term care, and moreGuiding your loved ones through the probate and/or trust administration processSafe Harbor Law Firm has helped families from all walks of life find solutions to challenges like these and many more. We welcome the opportunity to do the same for you. Ultimately, our goal is to help you enjoy the peace of mind that comes from having a plan in place for the future. We invite you to contact us for a personal meeting to discuss your particular needs and goals.