Moving Made Easy: Simple Tips for Seniors

Sterling Life Solutions is proud to be featured in the Seniors Blue Book of South Central PA for our compassionate and full-service approach to senior move management, estate cleanouts, and downsizing. Based in Reading, we support families across Berks County and beyond with personalized planning, packing, donation coordination, and moreall handled by our in-house team with no subcontractors.Our recent feature helps connect more families to the services they need during lifes major transitions. Were honored to be recognized as a trusted partner and invite you to explore our services or schedule a consultation. Call 484-220-3743 or visit www.sterlinglifesolutions.com

Welcome to ONA Solutions Your Safe Space for a Fresh Start This June!As summer arrives and the days grow brighter, there's no better time to find a home that supports your peace of mind and personal growth. At ONA Solutions, we offer more than just affordable housing we provide a community where women feel safe, supported, and truly at home. Why Choose ONA Solutions?At ONA, every detail is designed with your comfort and safety in mind. Whether you're settling in for a new chapter or just need a peaceful place to land, were here for you. All Utilities Included One simple monthly payment, no hidden fees. Fast, Reliable Wi-Fi Stay connected, study, work, or stream with ease. Move-In Ready Clean, fully furnished rooms so you can feel at home from day one. Women-Only Housing Feel safe and supported in a space created exclusively for women. A Community That Welcomes YouOur doors are open to women from all walks of life. Whether you're starting over, downsizing, or simply looking for a calm and secure home, ONA Solutions is here for you.We proudly welcome: Female Veterans Retirees & Seniors SSI/SSDI Recipients Students & Educators (18+) Why Now? June is the Time to BloomThis month is all about new beginnings. With our limited openings and an unbeatable $75 move-in fee, June is the perfect time to claim your spot in a space designed for care, dignity, and comfort. Lets Get You Settled!Have questions or ready to take the next step? Our friendly team is here to help. Call Us: 9 AM 3 PM: (239) 688-4815 3 PM 5 PM: (239) 785-3315 DM us anytime were happy to chat when it works for you! Stay Connected: Facebook: ONA Solutions Instagram: @onasolutionsllc2024 LinkedIn: ONA Solutions LLC Website: www.onasolutionsllc.com Find More Than a Room Find a Home Come home to comfort, connection, and community. Come home to ONA Solutions.

Many married couples share almost everything, including finances. This may be reflected in their estate plan by using one joint living trust instead of two separate trusts. Separate trusts can provide greater flexibility, but a joint trust can be structured so that when one spouse passes away, the trust is split into two sub-trusts: a survivors trust and a decedents trust. This arrangement provides the surviving spouse with the same versatility that separate trusts offer. The surviving spouse has full control over their survivors trust, but may have limited control over the deceased spouses accounts and property that make up the decedents trust. Decedents Trust and a Survivors Trust A survivors trust is a middle ground between a joint trust and separate trusts. If a couple chooses to combine their assets (accounts and property) into a joint revocable living trust, both spouses will usually be named as trustees and beneficiaries. The joint trust can further stipulate that when one spouse passes away, the trust divides into subtrusts. One of those subtrusts can be a survivors trust. A second subtrust, the decedents trust, will also be created to hold and manage assets owned by the decedent. How a Survivors Trust Works A typical joint trust arrangement lists four types of property, depending on the state in which you live: Joint assets Community property First spouses separate property Second spouses separate property When the first spouse dies, the survivors trust receives one-half of the community property, one-half of the joint property, and all property identified as the separate property of the surviving spouse. The deceased spouses half of the community property and joint property, along with their separate property, may be funded into the decedents trust with its own set of instructions. The trust agreement could also state that all of the deceased spouses property will go into the survivors trust instead of going into a separate subtrust. Reasons to Have a Survivors Trust Regardless of exactly how the joint trust assets are allocated, a crucial distinction is that a survivors trust is revocable, while the decedents sub-trust is irrevocable. This means that the surviving spouse retains full control over the survivors trust. They can alter the terms of the trust however they want. For example, they can add and remove assets, change beneficiaries, appoint new trustees, or terminate the trust. The surviving spouse can also completely change the terms of the survivors trust in its entirety. While the surviving spouse may be the beneficiary of the decedents trust, the surviving spouse will likely have less control over the management of assets in the decedents trust. This allows the deceased spouse to put protective measures in place while they are alive to make sure that their assets are managed the way they want and that someone cannot change the rules after they pass away. This can be helpful for clients who are worried about their spouse remarrying after their death and to ensure that assets that remain at the surviving spouses death go to a predetermined person. The purpose of any trust is to take care of loved ones and protect assets from costly probate and taxes. To discuss an estate plan that meets your goals, please schedule your appointment with our Estate Planning attorneys - 724-375-4005.