Showing posts with label Blended Marriage. Show all posts
Showing posts with label Blended Marriage. Show all posts

Thursday, April 13, 2017

Same-Sex Couples | Marriage Doesn't Mean That You Don't Need an Estate Plan


Summary: All couples, whether same-sex or opposite-sex, can marry in any state in the country. The legal landscape for same-sex married couples is still relatively new given the short period of time in which marriage has been an option. If you're a same-sex couple that has decided to marry, you should make the mistake of thinking that, now that you're married, you no longer have a pressing need for thorough and careful estate planning. Even with legal status, same-sex married couples have just as much need for estate planning as their heterosexual counterparts and, in many situations, even more.    

 As of the fall of 2016, the landmark U.S. Supreme Court decision that legalized same-sex marriage in all states had been in effect for a little more than one year. With that ruling, the institution of marriage became available to an expanded number of couples. The availability of the option to get married is likely very exciting for many couples; something long hoped for and greatly anticipated. In the past, many same sex partners were strongly warned to make very sure they engaged in careful estate planning because, in the absence of an option to obtain a legal recognition of their relationship, a complete estate plan was their only safeguard against potential outcomes that would be extremely damaging to their partners.

However, even though marriage is legal now, and you may have even decided to "take the plunge," that doesn't mean that you should now ignore the need for estate planning. This is true for many reasons. First, just because you're legally married now, that status doesn't mean that your spouse will necessarily inherit what you want him/her to. Same-sex couples find themselves in a unique legal situation due to the history of marriage in this country. Same-sex marriage has only been available everywhere since 2015, and has only been available anywhere since 2003. This means that many same-sex couples, especially older ones, have lived for years or decades without marriage. A side-effect of this is that, even if they've married now, they may have accumulated, and perhaps continue to hold, substantial amounts of wealth separately instead of holding the vast majority of their wealth jointly as spouses.

If you die with no estate plan, your assets will pass according to what's known as the "intestacy statute." Generally, under most states' intestacy statutes, a deceased person's assets are split between the person's spouse, children and parents/siblings, depending on who survives the deceased person. In Texas, for example, if don't have children and you die before your spouse and your parents, while your spouse would take all of the real estate you two own together, if there is any real estate you happen to own in your own name, then that property gets split 50-50 between your spouse and your parents. In a state like Pennsylvania, the parents' share is even more dramatic. Your spouse gets the first $30,000 from your estate. After that, everything is split 50-50. If one of your estate planning goals is to ensure that your spouse inherits most or all of your assets, then you need to make sure that you have a valid estate plan in place.

Secondly, and relatedly, your plan can carry out your goals in the unfortunate event that your spouse dies befoee you do. If that happens, your estate at the time of your death may include not just your wealth but much or all of your spouse's wealth. If you have no children and have no plan, the intestacy statutes will seek out your closest living relatives and give them this entire amount. That may not be what you want. Perhaps you are estranged from your family. Perhaps you and your spouse always talking of leaving your wealth to a favorite charity after you both die. In either of these scenarios, you need a plan in place to make these objectives occur.    

Finally, your complete estate plan will include power of attorney documents, which can be extremely helpful if you become ill or injured. Power of attorney documents allow the person named within them as the signor's agent to make many essential decisions on the signor's behalf. These can include decisions about medical care as well as financial matters. Your medical power of attorney (sometimes known as a healthcare proxy)  allows you to name whomever you want to make medical decisions on your behalf if you cannot make them yourself. While spouses generally can make decisions on each other's behalf by virtue of their marriage, what if your spouse travels extensively? Or is in poor health? Your document can ensure that another trusted friend or relative is authorized to act.

Your financial power of attorney can be very helpful even if your spouse is the person you want to handle everything. Your spouse cannot use his/her marital status to gain automatic authority to access and control your financial accounts you own by yourself. If you have these kinds of assets, you need to have financial power of attorney in place that names your spouse (or the person you want to manage your wealth) as legally authorized to do so.

This article is published by the Legacy Assurance Plan and is intended for general informational purposes only. Some information may not apply to your situation. It does not, nor is it intended, to constitute legal advice. You should consult with an attorney regarding any specific questions about probate, living probate or other estate planning matters. Legacy Assurance Plan is an estate planning services-company and is not a lawyer or law firm and is not engaged in the practice of law. For more information about this and other estate planning matters visit our website at www.legacyassuranceplan.com. 

This article written and published by:
8039 Cooper Creek Blvd
University Park, Florida 34201
844.306.5272 (Phone)
@assuranceplan
#legacyassuranceplan



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Thursday, April 6, 2017

Planning for Your Stepchildren | How the Law Impacts Blended Families



Summary: Today, blended families are more common than ever. These families may include parents who were widowers, widows or divorcees. In many of these families, a stepparent's relationship with his/her stepchildren may become very close, such that the stepparent desires to include the stepchildren in his/her estate plan. Whether you have stepchildren you want to ensure get a portion of your wealth, or you have stepchildren you want to receive nothing, it is important to ensure that you have a valid estate plan in place, so that you can be sure that your objectives are achieved and you leave the legacy that you desire.

Here, in 2016, the legal standard of "no-fault" is the law in each of the states. California was the first to pass its no-fault divorce law, nearly a half-century ago. With the expansion of these laws has come an increase in divorces among American couples. With the substantial uptick in the percentage of couples whose marriages end in divorce has also come an increase in blended families. In many of these families, a stepparent may come to share a very close relationship with his/her stepchildren, eventually becoming as much of a parent-figure as the children's biological parents. In the classic TV show, "The Brady Bunch," Mike Brady's sons did not know Mike's second wife as "Stepmom" or "Carol." She was just "Mom."

However, the law does not always see things the same way. Generally speaking, unless you have initiated and completed the process of legally adopting your stepchildren, they have no relation to you under the law in most states. This can have a significant impact on your estate if you die with no valid estate plan in place. There is some variation from state to state in the intestacy laws regarding stepchildren and their right to inherit from stepparents. A few states, like Iowa, Kentucky, Arkansas and Missouri (among others,) say that stepchildren can inherit from a stepparent who dies intestate (meaning dies without an estate plan,) but only if the stepparent dies with no surviving relatives of any kind that can be located, and the only other option (besides distributing the estate to the stepchildren) would be allowing the estate to go (or "escheat") to the state treasury.

Others states, like California, say that a stepchild can take from a stepparent's intestate estate if the stepparent desired to adopt the stepchild but some legal barrier preventing the process from being completed. Very recently, a Michigan court case went even further. In that case, the deceased father died with a will, but the court declared that document to be a forgery. As a result, the court declared the man to have died with no plan, and distributed his intestate estate three ways, between a son, a daughter and the man's stepson. In this case, the stepson became an heir solely based upon his having formed a parent-child relationship with the stepfather before age 18 and continuing that relationship until the stepfather died.  

What does all this legal language mean for you? It means that, for the vast majority of people, it is best to get an estate of your own choosing put into place, and not leave your legacy up to the laws of your state of residence. If you have stepchildren, there are two distinct scenarios where allowing your wealth to be distributed according to intestate law can go very wrong. The first situation is if you have stepchildren with whom you are close and whom you want to include in the distribution of your wealth. If you live in one of the majority of states that does not recognize unadopted stepchildren as relatives, then they will get nothing from your assets unless you get an estate plan with a will (or will and living trust) that dictates who you want your beneficiaries to be. With a properly drafted and executed will or living trust, you can ensure that your stepchildren will get the fair share of your assets that you want them to have.

Alternately, you may have stepchildren with whom you're not close and whom you don't want to receive anything. While most intestacy laws say unadopted stepchildren get nothing, laws can change. And you may already live in a state that recognizes unadopted stepchildren as relatives. Again, the best way to make sure that your goals are achieved is to ensure that you have a validly drafted and executed estate plan in place. The law says that you can disinherit anyone except your surviving spouse. Whether someone is a child or stepchild, you can leave them nothing as long as it is properly spelled out in a valid estate plan.  

 This article is published by the Legacy Assurance Plan and is intended for general informational purposes only. Some information may not apply to your situation. It does not, nor is it intended, to constitute legal advice. You should consult with an attorney regarding any specific questions about probate, living probate or other estate planning matters. Legacy Assurance Plan is an estate planning services-company and is not a lawyer or law firm and is not engaged in the practice of law. For more information about this and other estate planning matters visit our website at www.legacyassuranceplan.com. 

This article written and published by:
8039 Cooper Creek Blvd
University Park, Florida 34201
844.306.5272 (Phone)
@assuranceplan
#legacyassuranceplan



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Tuesday, January 31, 2017

Estate Planning Laws | Enactment of New Law Reminds Us of the Importance of Estate Plan Reviews

Summary: Very little in life is unchanging. The relationships in our lives change through death, birth, marriage and divorce, among other things. The laws change through the passage and enactment of new bills. Whether it is a new law or a life-event change, it can have an impact on your estate plan. With periodic estate plan reviews, you can gain the peace-of-mind that comes from knowing that your plan remains optimized to function at its best possible level, even after taking into account all of the changes in the law and your life that have taken place. 

Back in late May 2016, Minnesota Governor Mark Dayton signed a bill into law. The signing probably was not headlines news, even in that state. But, for Minnesota pet owners, it was welcome news. With the governor's signature, Minnesota became the 50th and final state to recognize the legal validity of pet or animal trusts. Pet or animal trusts work similarly to most every other kind of trust. They allow an animal owner, whether the beneficiary is your pampered poodle or a working animal like a horse, to establish the trust agreement with that animal (or animals) as the beneficiary. The trust creator then names a trustee who manages the trust assets and the income from those assets for the benefit of that named beneficiary. With this kind of estate planning, you can ensure, not only that your animal will go to a loving home, but that the animal will have the financial resources he or she needs. 

Transfer on death deeds are a useful tool for some people who may desire to avoid probate but whose circumstances may dictate that a revocable living trust isn't right for them. These deeds work like the death beneficiary designations on your life insurance or other financial accounts. With proof of a valid transfer on death deed, along with evidence that you're the beneficiary and the previous owner has died, you can take immediate ownership of a piece of real property without requiring a probate process. More than half of the 50 states recognize these deeds. Missouri has had them since 1989. California, however, passed a new law and began recognizing them in 2016.

What do these sets of facts have in common? They are both reminders that the laws governing estate planning are not etched in stone. They change with some frequency. Some of the changes may be very minor. Others, like the creation of a new type of trust or new type of real estate deed, can be major. Regardless of whether a change created by a new law is minute or large-scale, any change can have an impact on your plan. 

A few years ago, Indiana law created a legally enforceable "Funeral Planning Directive." If you lived in Indiana and decisions like place of burial or cremation-versus-interment mattered to you, this change would be enormous to you. If, however, you had already created your Indiana estate plan before the new law passed and you thought that your were all finished with your estate planning, you might have had the potential of missing out on the benefits of this change in the law. The same is true if you, as a pet owner, had already created your Minnesota estate plan before May 2016 and ceased doing anything with your plan after you signed it.

A popular modern social media acronym is "FOMO," which is short for "fear of missing out." As someone with an estate plan, you should have FOMO -- fear of missing out on the benefits of potentially helpful changes in the law, or fear of missing out on having an optimized estate plan because you did not update your plan to account for shifts in the law or changes in your personal life. With periodic estate plan reviews, you need not have this fear, however. A routine estate plan review can help you identify life-event changes, such as marriages, divorces, deaths or births, which may indicate a need for an amendment to your plan. Reviews may also allow your estate planning team to notify you that a law has changed, and give you the opportunity to discuss with your estate planning attorney how these changes may impact your plan.

This article is published by the Legacy Assurance Plan and is intended for general informational purposes only. Some information may not apply to your situation. It does not, nor is it intended, to constitute legal advice. You should consult with an attorney regarding any specific questions about probate, living probate or other estate planning matters. Legacy Assurance Plan is an estate planning services-company and is not a lawyer or law firm and is not engaged in the practice of law. For more information about this and other estate planning matters visit our website at www.legacyassuranceplan.com. 

This article written and published by:
8039 Cooper Creek Blvd
University Park, Florida 34201
844.306.5272 (Phone)
@assuranceplan
#legacyassuranceplan


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Friday, January 27, 2017

Revocable Living Trusts | How Your Living Trust Can Help Your Loved Ones 'Enjoy the Little Things'


Summary: Estate planning involves dealing with a variety of things. While you may associate the financial side of your estate planning with distributing large assets like your home, car or financial accounts, sometimes assets with much smaller dollar-values may mean the most to your loved ones. With proper and complete estate planning, you can ensure that your wishes and preferences about the distribution of your assets, both great and small, are known and can be followed.

When people think about estate planning, they often think first about the distribution of their assets. And, often, when they think about the distribution of their assets, they think first about the "big-ticket" items, like houses, vehicles, financial accounts, and so forth. However, sometimes those are not the assets that matter most to loved ones. Sometimes it is things with lesser amounts of dollar-value that may mean the most, and can generate the most happiness, or hostility, among your loved ones. That's why, when you create your estate plan, it is very important to ensure that, not only have you planned for the assets that have high dollar values, but also for those things that have high sentimental value.

The things that may matter to your loved one could be extremely varied and, sometimes, surprising. This aspect of estate planning can be a great way to begin a conversation about estate planning with your loved ones. As you prepare to create your estate plan, your children or other loved ones may be uncomfortable thinking about serving as your health care proxy, but might be more willing to discuss with you the tangible personal items that have always given them that "warm and fuzzy" feeling. 

This has a two-fold benefit: it gives you an opening to begin the conversation you need to have with your loved ones about your goals and objectives in terms of your estate planning, and it also gives you an opportunity, potentially, to discover things you did not know. Maybe you never knew how much your old rocking chair meant to your daughter. Or what a strong affinity your son had for that vintage-but-rusty toy fire truck you kept in the basement. If you have multiple loved ones who all cherish the same item, this conversation may give you the chance to take these "popular" items and reach an compromise agreeable to all regarding who gets what. By having this conversation, you can learn these things and be more prepared to complete your estate plan in full.

Once you're armed with this factual information, what should you do with it? If you have an estate plan with a revocable living trust, it may seem challenging to ensure that your tangible personal effects get to the destinations you want. After all, you may wonder... how you fund a bunch of Beanie Baby dolls into your trust? Fortunately, your trust has a way for you to ensure the correct destination for these personal effects. You can create what's called a "schedule," which is included as part of your trust agreement document. For many people, when they establish a revocable living trust, this schedule will be called "Schedule A." Regardless of what you name the schedule, it is the place where you can list assets that do not have deeds or titles or other written documents establishing ownership. Your Schedule A can include everything from your furniture to your china, crystal and silverware to antique toys to your baseball card collection. Depending on the type of asset you've listed in Schedule A, you may also want to write up a "Bill of Sale" from you to your trust. Your attorney can help you decide which assets, if any, require this step.  

A character from a popular 2009 zombie movie created several life rules that he passed on to viewers, including one that recommended to "enjoy the little things." In real life, sometimes it is the littlest things that create the biggest enjoyment. With a carefully thought out and complete estate plan, you can ensure that your goals will be achieved to the biggest extent possible.

This article is published by the Legacy Assurance Plan and is intended for general informational purposes only. Some information may not apply to your situation. It does not, nor is it intended, to constitute legal advice. You should consult with an attorney regarding any specific questions about probate, living probate or other estate planning matters. Legacy Assurance Plan is an estate planning services-company and is not a lawyer or law firm and is not engaged in the practice of law. For more information about this and other estate planning matters visit our website at www.legacyassuranceplan.com. 

This article written and published by:
8039 Cooper Creek Blvd
University Park, Florida 34201
844.306.5272 (Phone)
@assuranceplan
#legacyassuranceplan


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Friday, January 13, 2017

Estate Planning Documents | Their Care and Protection

Summary: In many professions and industries, there are what's called "best practices," or the optimal way of doing things. There are "best practices" in planning your estate, too. These includes getting a well-thought out plan in place without procrastinating, making sure you have a plan to review your documents in the future for possible changes requiring adjustments in your plan and having a plan for keeping your physical legal documents safe. This plan involves two vital pieces, including picking a proper location and communicating that information to the people who will need to access your documents in the future. 

Planning for the security of your estate planning documents is extremely important, although often overlooked. You may think you've done it all. Crossed all the i's. Dotted all the t's. You've gone out, identified your estate planning goals and objectives, obtained a well-thought out set of legal documents that meets those goals and you've even established a plan for giving your estate plan periodic reviews in the future in case any changes are needed.

However, there is one more thing you do as part of your estate planning process, which is making sure that physical, original plan documents are sufficiently safe. As an introductory note, be aware that you should always keep the original copies of each of your estate planning documents, including your will, powers of attorney, living will and any trusts, in your own possession. 

There are many options for properly securing your documents. If you get more peace of mind from having your documents in a secure facility, you should look into a safe deposit box at a bank or other financial institution. On the other hand, if you feel safer with your documents in your home, you should make certain that you store them in a place that is safe from any kind of disaster, such as a fireproof box or a safe. Your documents need to be able withstand disasters that might reasonably befall your home, such as fire damage, wind damage or water damage. Some people even choose to take their estate planning documents and binder, place them in an air-tight, water-tight sealed bag or other container, and store them in their freezer. This options is not as outlandish as it may seem on the surface, because freezers are one of the most fire-resistant containers in any house, and thieves are unlikely to go through your freezer if they break into your home.

Regardless of whether you choose a safe deposit box, a fireproof box, your freezer or some other option, an essential task once you've selected a location and stored your documents is communication. Your need to communicate where you've stored your plan documents with those people you've named in your plan (such as successor trustees, executors, attorneys-in-fact or agents under your living will) who will need to access those documents at some future point. Of course, one person who may need to access these documents in the future is you. You may need, for example, to check your living trust document because you've just bought or sold a car. Whatever the reason, you may want to communicate this location information to a trusted relative, friend or neighbor so that they can help you find your documents if you should forget where you stored them. 

Like so many things in estate planning, the key is planning and communication. First, establish a plan for keeping your documents safe and, second, make sure that you've sufficiently communicated that plan to the people who will need this information at some point.

This article is published by the Legacy Assurance Plan and is intended for general informational purposes only. Some information may not apply to your situation. It does not, nor is it intended, to constitute legal advice. You should consult with an attorney regarding any specific questions about probate, living probate or other estate planning matters. Legacy Assurance Plan is an estate planning services-company and is not a lawyer or law firm and is not engaged in the practice of law. For more information about this and other estate planning matters visit our website at www.legacyassuranceplan.com. 

This article written and published by:
8039 Cooper Creek Blvd
University Park, Florida 34201
844.306.5272 (Phone)
@assuranceplan
#legacyassuranceplan


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Friday, December 30, 2016

Estate Planning | Famed Coach's Tragic Death and the Lessons It Imparts to Everyone

Summary: When Hall-of-Fame basketball coach Pat Summitt died in June 2016, her family, friends and players grieved a lost loved one and sports fans honored a lost legend. However, the coach's premature death has served some good, in terms of both raising awareness about Alzheimer's disease and imparting estate planning knowledge to everyone -- namely, that estate planning is not just for the elderly and planning for incapacity is important for everyone, regardless of age and health

In the Spring of 2011, Pat Summitt's University of Tennessee women's basketball team completed another season undefeated in conference play and earned a Number-1 seed in the NCAA basketball tournament. Summitt, the winningest coach in NCAA basketball history, was 58. The following August, she announced that she had early-onset Alzheimer's disease and retired from coaching after only one more season. By June 2016, Summitt had died at the age of 64. Summitt's battle with the disease and death at an early age remind us both how little we (including medical experts) really know about Alzheimer's and how important it is to get a complete estate plan in place without procrastination. 

Your estate plan can do so much more than just distribute your assets after you die. While that is an important and integral part of any estate plan (as it allows you to assert control over your legacy rather than leaving it up to your state's intestacy laws,) there are other major benefits of a well-thought out plan, too. One of these is planning for incapacity. With people living longer than ever, the chances that you will need to have a plan in place for your mental incapacity are greater than ever. 

Whether you experience Alzheimer's or other forms of dementia, you can retain a form of control over your wealth and yourself, even after a loss of capacity, through a proper and complete estate plan. A power of attorney for financial matters can allow you to designate the person you want to make decisions governing your wealth and assets. (You can also plan for the financial management aspect of incapacity by using a revocable living trust, as your trust can allow for seamless transition of the management of funded assets from you to the successor trustee you designate.) Additionally, your advance directive and your power of attorney for healthcare can ensure that, if you cannot make decisions for yourself regarding your person and your medical care, the person you named will step in to do that.   

Additionally, Summitt's death from Alzheimer's-related complications at the young age of 64 highlights the importance of not waiting to get your plan in place. As Popular Science magazine pointed out shortly after Summitt's death, "doctors and researchers still don't completely understand what causes" Alzheimer's. Given this lack of understanding, doctors cannot forecast who will get the disease, including who will encounter the early-onset variety like Coach Summitt did. In other words, just as life can be fleeting and come to an end unexpectedly and prematurely, the same can happen with one's mental capacity. The best way to ensure that you are prepared and protected against the potential pitfalls of Alzheimer's, dementia or other conditions that cause lost mental capacity is to execute a complete plan and begin that process right away.    

This article is published by the Legacy Assurance Plan and is intended for general informational purposes only. Some information may not apply to your situation. It does not, nor is it intended, to constitute legal advice. You should consult with an attorney regarding any specific questions about probate, living probate or other estate planning matters. Legacy Assurance Plan is an estate planning services-company and is not a lawyer or law firm and is not engaged in the practice of law. For more information about this and other estate planning matters visit our website at www.legacyassuranceplan.com. 

This article written and published by:
8039 Cooper Creek Blvd
University Park, Florida 34201
844.306.5272 (Phone)
@assuranceplan
#legacyassuranceplan


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Friday, November 4, 2016

Estate Planning | Unique Family Circumstances


Summary: Family circumstances are more varied than they were generations ago. Many states' intestacy laws, which take control when you have no estate plan, were drafted at a time when the model represented by the Cleaver family (of "Leave It to Beaver" fame) was the dominant norm. Today, families have more diversity and, if your family does not match the model of the Cleavers, you should give very serious consideration to ensuring that you have a well-crafted and detailed plan in place. Your estate plan can ensure that you are in control of the legacy you leave behind to each of your loved ones.      

When you have a family dynamic that is outside the traditional one, you may face many challenges. One important challenge is in the area of estate planning. If you do not create a plan, your state's intestacy laws will take control. Intestacy laws were meant to mirror the predominate family dynamics. In other words, these statutes are often a poor fit for dealing with families like yours. Creating a plan can avert these potential pitfalls. and put you in control. 

Take these two examples, one from fiction and one from real life, that both involve non-traditional families. First, in a popular television drama, a man learned that he had a daughter only after the child's mother was killed in a bombing attack. Upon discovering this child, the man promptly quit his highly dangerous job in law enforcement so that he could be best positioned to parent his newly-discovered daughter.

Second, in North Carolina, a 21-year-old man's estate received a jury award of one-half million dollars due to his tasering death at the hands of police. (As a quick note, this man's sad death contains multiple estate planning lessons, including that: (1) you are never too young to create an estate plan, especially if you have (or may have) children, and (2) you should never dismiss creating a plan under the mistaken notion that you lack sufficient wealth to benefit from planning. Although this man may not have been wealthy in his lifetime, it is clear that his estate had a value of at least $500,000.)

After the North Carolina man's death, the mother of an infant child went to court claiming that her son was the deceased man's sole heir.  The man's parents, who were the co-administrators of his estate, fought this in court, denying that the infant was their son's child. Under North Carolina's intestacy laws, if the man had no children, his parents would be his sole heirs, since he also had no surviving spouse. If he had a child, then the child would be his sole heir. The court eventually sided with the parents, because no DNA testing had ever been done and the father had filed none of the paperwork required by North Carolina law to have the child legally declared his. 

These two examples represent nearly polar opposites but both have one thing in common: they clearly indicate the advantages of estate planning. With a plan, there is no need to deal with issues of paternity in the probate courts in order to distribute your assets after your death. With a carefully and properly drafted plan, you can make sure that your wealth will be distributed your way. You can include provisions that expressly leave a distribution to a child born out of wedlock. This can be extremely important because, if there is no legal documentation to establish you as a parent, this child may be legally considered to have no relationship to you and no right to inherit from you. On the flip side, planning is just as important if you wish to disinherit a child. Whether you wish to exclude a child that is yours, or avoid the risk of court battles related to children who aren't your offspring, your plan can do this. Your documents can name the specific individuals and entities whom you want to take from your estate, and state that all others receive nothing. Other than state laws blocking the disinheritance of a surviving spouse, you generally have wide flexibility in the people you include in, and exclude from, your plan. 

This article is published by the Legacy Assurance Plan and is intended for general informational purposes only. Some information may not apply to your situation. It does not, nor is it intended, to constitute legal advice. You should consult with an attorney regarding any specific questions about probate, living probate or other estate planning matters. Legacy Assurance Plan is an estate planning services-company and is not a lawyer or law firm and is not engaged in the practice of law. For more information about this and other estate planning matters visit our website at www.legacyassuranceplan.com. 

This article written and published by:
8039 Cooper Creek Blvd
University Park, Florida 34201
844.306.5272 (Phone)
@assuranceplan
#legacyassuranceplan


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