Estate Planning Reviews | Going Beyond the Basics

Summary: Estate plan reviews are an important part of maintaining a healthy estate plan. While, certainly, anyone can look over one’s plan and identify their fiduciaries and beneficiaries, and also pinpoint whether marriage, divorce, death or a new birth has affected any of those people’s lives, there is much more that goes into a truly comprehensive estate plan review. Whether it is reviewing non-probate assets or identifying changes in the law, there are many ways that, by going deeper, your estate plan review can give you total confidence that you plan is truly optimized. 

Having a team of reliable estate planning professionals can be very helpful to you in many ways. One of the occasions where they can be invaluable to you is when you need to perform a review of your estate plan. You can certainly perform a review on your own, but your estate planning team can help you make sure that your review is a truly complete one so that you don’t miss anything.    

When you need to review your plan, you may know, without any help, that you need to review your will, living trust, powers of attorney and living will. But did you know that you shouldn’t stop there? Many people have many assets held in various forms that involve non-probate transfers on death. This could everything from a financial account with a pay-on-death designation or a piece of real estate with a transfer-on-death deed to your retirement account, life insurance or annuities… basically anything with a death beneficiary attached to it. These assets are also part of your estate plan and making sure to include these assets in your review can help you make certain that everything reflects the current state of affairs in your life and your up-to-date planning goals.

Also, you may possibly already know that, as you review all of these assets, titles and documents, that you should take into account certain life events like marriage, divorce, death or a new birth in the family. But, did you know that there are other life events that may impact your plan and create a possible estate planning need? Illnesses or injuries can sometimes alter your loved ones’ needs, which may change your estate planning goals. Perhaps you have a beneficiary who’s recently been approved for Medicaid or some other needs-based benefits program. You need to make sure that there are no distributions in your estate plan that, if you died, would go directly to your beneficiary and cause her to lose continued eligibility for those benefits.

As another example, let’s say you have a trusted loved one whom you’ve selected as the successor trustee of your living trust and the executor of your will. Let’s also assume, in this example, that this loved one has been recently diagnosed with Alzheimer’s disease. The effects of the disease may create a situation where you need to consider naming someone else as the first person in line to handle these duties on your behalf after you pass away.             

Finally, there is also the possibility that the laws (either federal law or your state’s law) may have changed since you last reviewed your plan. Chances are, you’re aren’t up-to-date on all of the most recent changes to the laws and what those changes’ effects are on estate plan like yours (and, really, how could any busy layperson be expected to be?) Your estate planning team can help you with identifying those laws that may impact people who live where you do.

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. 

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Legacy Assurance Plan

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Working with the Right Team of Professionals to Help You Plan Your Estate

Summary: Picking a service provider for estate planning assistance is often very similar to picking other service providers, whether that’s a repairman, doctor, lawyer or broker. The key is not to be fearful because some in the industry are unethical or incompetent; unfortunately, there are unethical and/or incompetent providers in any professional industry. By simply checking out your provider carefully before you pick them, and making certain you’re working with a reputable team, you can benefit from the many significant rewards that a reliable provider can offer you. 

Back in the 1990s, a young man in his late 20s, who believed he was having an allergic reaction to over-the-counter medicine, went to his physician for a diagnosis. The doctor asked the man to remove his shirt. After viewing the man and the “rash” that covered his chest, back, arms and face (and the rest of his body,) the doctor told him that he, indeed, had a drug reaction, to cease taking over-the-counter cold/allergy medications and to “tough it out like the rest of us do.” The mother of the man’s best friend, who was a nurse, diagnosed the man differently, needing only one phone call to do so. “It’s not a drug allergy. It’s chicken pox,” the nurse said, after hearing a verbal description of the “rash.” It was, in fact, chicken pox.

In recent days, several news outlets released reports regarding a Florida teen who has been arrested and charged with criminal offenses for pretending to be a doctor in Virginia.

What do these two stories have to do with estate planning? Perhaps more than you’d think. Would you say that all doctors are to be avoided or that the business of practicing medicine is a “scam” just because this teen (and various other men and women – including some licensed physicians) have engaged in fraud, or because some doctors are so horribly bad at their jobs that they cannot diagnose an obvious case of chicken pox? Chances are that you would not. Would you say that all lawyers are useless or that the business of law practice is a scam just because some attorneys are unethical and others are incompetent? Hopefully you wouldn’t.

The same can be said when it comes to people in the business of providing services related to helping you plan your estate. Without question, there are some people offering such services that are not very good at what they do. And there are others purporting to offer such assistance who are undeniably operating scams. But those facts do not mean that everybody in the business of providing these services is a dangerous scam-artist who should be avoided. Yet, many times, you might read or hear that you must avoid all companies that provide estate planning assistance simply because some in the industry are unethical, corrupt or incompetent.   

The key, when it comes to analyzing services providers who offer estate planning assistance, is, much like selecting any type of service provider, simply to make sure that you’re working with the RIGHT provider. First and arguably foremost, ask yourself if your provider’s service gives you access to an estate planning attorney who is an independent professional experienced in the law of estate planning, who will independently represent your interests and provide you with a unique estate plan specifically customized to your needs and goals? If your provider is a reliable one, the answer will be “yes.” This is an essential part of any reliable service.        

If you choose carefully, you can have the peace of mind that comes with knowing that you have a single destination, and a single team of experienced professionals well-acquainted with you and your objectives, where you can turn to whenever you need assistance. If you do your “homework” and choose cautiously, just as you would do in choosing a doctor, lawyer, stockbroker or insurance agent, you can reap the rewards of having an entire team, and the resources that come with it, on your side.    

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:

Legacy Assurance Plan

8039 Cooper Creek Blvd

University Park, Florida 34201

844.306.5272 (Phone)

info@legacyassuranceplan.com (email)

@assuranceplan

#legacyassuranceplan

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Avoid Traps Planning your Estate | Legacy Assurance Plan

Summary: Estate planning, like many legal matters, is something where there are many ways to accomplish any given goal. Just like meeting any legal, financial or medical need, there are techniques that are safe and reliable, and there are methods that risky and filled with potential dangers. There many techniques involving deeds that can transfer real property without requiring probate, but some of them can also cost you or your family thousands in taxes or, worse, cause you to lose the property completely. By working with a knowledgeable estate planning attorney, you can achieve your goals of avoiding probate without putting your home or other property needlessly in jeopardy.

When have medical issues, we usually go to a doctor to obtain treatment that we can trust is reliable and avoids risky methods of addressing the problem. Consulting an attorney for a legal matter, such as an estate planning need, works similarly. Your estate planning attorney can help you go about addressing your need in a way that you can trust. This type of help in planning can be essential because, for every trustworthy way to meet your needs regarding avoiding probate or accomplishing other objectives, there are as many unreliable traps that can ensnare your estate and your family in a mess that may cost considerable time and money to fix or, worse, lead to an outcome that is different from what you wanted.

With that in mind, here are a just a couple risky probate-avoidance methods that are examples of potential traps that can exist for you:

1. The pocket deed. This a deed that you execute signing own your home or other real estate to the person you want to have it upon your death. In a perfect world, this method works because the deed doesn’t get recorded until you die, so you are able to continue possessing that property until after your death. Unfortunately, ours is not a perfect world. If, for some reason, that deed gets executed during your lifetime, you could be thrown out of the property immediately.

You could also lose the property if your desired beneficiary gets divorced or is in a lawsuit and the other side discovers that the deed exists. Even if none of these disasters happen, and the property passes after you die, using a pocket deed can still cause your beneficiary to lose valuable tax benefits (the so-called “step up in basis”) and have a much larger tax bill if he/she decides to sell.

2. Adding your desired beneficiary to your home’s deed. Some people seek to avoid probate by simply recording a new deed on their home or other property listing both themselves and their desired beneficiaries as co-owners of the property. In that way, the beneficiary takes 100% ownership of the property when they die.

This method is used much more commonly than the pocket deed. A lot of writers have written about the potential downsides of using this method and you may even already recognize this as a risky way to avoid probate. But even if you do already know that this is dangerous, you may not fully realize, at first glance, just how dangerous it can be.

Just like with a pocket deed, you have the risk of losing the property if your beneficiary gets sued or gets divorced. With this method, you can also create gift tax problems, since, if your beneficiary paid nothing to you, the IRS views what you’ve gone as giving a gift of 50% of the property. This means filing various tax forms and possibly paying gift taxes.

In some states, if you still have a mortgage on the property, adding someone to the deed can require you to pay a certain type of real estate transfer taxes on one-half of the outstanding balance of the mortgage. This can potentially amount to thousands of dollars in taxes. Another massive problem that can arise after using this method in some states is that it can cause your property to lose its homestead exemption. Losing a homestead exemption can potentially raise your annual property tax bill by thousands of dollars.

Also, adding your deed makes your beneficiary more than just a silent co-owner during your lifetime. That person has all of the same rights you do. You cannot sell the property, refinance the property or take out another mortgage on the property without the approval of your new “co-owner.”

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:

Legacy Assurance Plan

8039 Cooper Creek Blvd

University Park, Florida 34201

844.306.5272 (Phone)

info@legacyassuranceplan.com (email)

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Act Promptly Without Delay | It’s Good Advice Whether You’re Creating a Plan or Updating One

Summary: You’ve probably heard the warning that, when it comes to creating your estate plan, you should avoid procrastinating and act right away. And it is definitely true that there is no time like the present when it comes to establishing your initial plan. However, the importance of acting swiftly isn’t limited just to starting a plan. It also applies to plan changes and other actions, where waiting can be just as problematic and harmful, as it can still create a result where the distribution of your assets doesn’t match your intentions.  

One case that shows the importance of acting right away went through the courts in Tennessee this year. In the case, a woman from Knoxville had created a will in 2007. That will said that her assets were to be split evenly among her children and, if one or more child died before her, then that child’s children took his/her share. Three years later, she created a will codicil that altered her plan. Under the revised plan, her son, Brock, received sole ownership of her home in recognition of his having spent the preceding years serving as her caregiver. 

After another three years passed, the woman was apparently contemplating the content of plan. Prior to this, Brock had passed away, dying in November 2012. The woman obtained a “Confidential Estate Planning Questionnaire” from an attorney, which she completed on Oct. 9, 2013. Five days later, before she signed anything else, the woman died. The questionnaire document indicated made no mention of distributions to any grandchildren. Because of Brock’s death, this meant that the distribution plan in 2013 questionnaire would be very different from the one laid out in the 2007 will and 2010 codicil.

This, of course, ended up causing a court battle. On one side, Brock’s children argued that the questionnaire was not a valid legal document and the 2007 will and 2010 codicil’s instructions should be carried out. On the other side, the woman’s surviving children argued that the courts should order the woman’s wealth distributed under the plan laid out in the 2013 questionnaire, as it represented her true intentions at the time of her death. The woman, they argued, had experienced a “falling out” with Brock’s children around the time of Brock’s death, did not want them to receive anything, and the questionnaire was proof that her testamentary intent had changed.  

Both the trial court and the appeals court sided with the grandchildren. The questionnaire document could only be viewed, under the law, as notes or a memorandum that the woman made in preparation for creating a new will, not an actual and legally enforceable estate planning document. That meant that the 2007 will and 2010 codicil were still valid and that the grandchildren took the grandmother’s home.

The courts in this case had no choice but to rule for the grandchildren. Estate planning questionnaires are very useful tools that some attorneys use with their clients to make the process of estate planning more efficient for both client and counsel. They are not, however, legal documents. If, however, the children’s claims of a quarrel and dispute between grandmother and grandchildren were true, then the outcome in this case would be disappointing, as the woman’s true goals would not have been carried out.

If the children’s assertions were true, though, then the case is a lesson teaching the importance of avoiding delay. The woman had 11 months (from the time of her son’s death until her own death) to update her plan and make sure that she had a plan in place that reflected her true objectives. That’s why act promptly is so very important. No one is promised tomorrow and, as we get older, the odds of something unexpected happening only go up, statistically speaking. The only way to protect yourself against having an outdated plan carried out that doesn’t reflect your planning desires is to make sure that, if something has changed, you act right away. Whether you’re making a plan or updating one, it’s the only way to ensure that the legacy you leave is the one you want.    

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:

Legacy Assurance Plan

8039 Cooper Creek Blvd

University Park, Florida 34201

844.306.5272 (Phone)

info@legacyassuranceplan.com (email)

@assuranceplan

#legacyassuranceplan

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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:

Legacy Assurance Plan

8039 Cooper Creek Blvd

University Park, Florida 34201

844.306.5272 (Phone)

info@legacyassuranceplan.com (email)

@assuranceplan

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Trust Funding | You’ve Created Your Estate Plan With a Revocable Living Trust… Now What?

Summary: Proper estate planning is a process, not just a single task. Rather than being a single step, estate planning is more like an ongoing journey. Just because you have set up and executed a set of estate planning documents, that doesn’t mean your estate planning is “done.” This is especially true if you have a plan with a revocable living trust. Once you’ve put your signature on all of your documents, including your living trust, there are beneficial things you can begin doing almost right away to ensure that your plan will be properly maintained.             

One of the first things you can do, if you haven’t begun already, is put together a list of all your assets. You’ll need to list both your titled assets (like your home and vehicles, for example,) as well as your personal property (like furniture, jewelry and collectibles.) You’ll need each of these lists for two different reasons. For assets like real estate, vehicles and financial accounts, you will need to make certain that they are funded by executing the proper paperwork establishing that you have transferred ownership of that asset from you as an individual to you as the trustee of your trust. Of course, this means that one of the first things you’ll need to do after you’ve finished compiling your list is obtaining all of your current ownership documents, such as the deeds to all of your real estate properties and the titles to all of your vehicles. 

For your real estate, funding means obtaining a deed from an attorney putting the transfer into legal effect. For your vehicles, funding entails a trip to the DMV and re-titling the auto. For your financial accounts, the institution where you hold your account(s) probably has their own special proprietary paperwork they’ll require you to fill out to complete the transfer.    

When it comes to your personal property, especially specific items that you want to specifically distribute to a particular beneficiary, your list will be especially helpful in making certain these assets get funded, too. They get funded a bit differently, however, since they don’t have deeds, titles or other ownership paperwork. These assets get listed in a special place in your trust, which is usually referred as “Schedule A,” “Appendix A” or something similar. Listing these assets in your trust’s schedule is a means of putting down in writing your intent to transfer them from you to your trust, where they can be distributed in accordance with the special instructions you’ve laid out in your trust document.      

A popular self-help book from the 1990s advised, “Don’t sweat the small stuff.” That may be true in a lot of areas, but not when it comes to funding your trust. Here, you want to be more like Santa Claus, as in “making a list and checking it twice” in order to be sure you’ve not left anything out. Do you hold an ownership interest in a business like an LLC, partnership or corporation? These assets can potentially be transferred into your trust, depending on the business’s operating agreement or articles of incorporation. Do you hold any copyrights, patents or trademarks? The appropriate government office (the U.S. Copyright Office or the U.S. Patent and Trademark Office) have transfer forms. Additionally, if someone owes you money (whether from a loan or a legal judgment,) you can create a document that says that you are transferring, or assigning, your right to collect that debt to your trust. 

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:

Legacy Assurance Plan

8039 Cooper Creek Blvd

University Park, Florida 34201

844.306.5272 (Phone)

info@legacyassuranceplan.com (email)

@assuranceplan

#legacyassuranceplan

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Creating An Estate Plan | Don't Procrastinate Getting an Estate Plan, But if You Have, Don't Give Up!

Summary: When it comes to estate planning, the best time to act is right away. Acting promptly protects you from the many unexpected things that can crop up in life, whether they involve a loss of mental capacity or even sudden death. However, even if you've waited and your mental abilities are not what they used to be, do not simply assume that you are no longer allowed to create or update an estate plan. It is always best to consult experienced professionals who can explain exactly what the rules and what you are (or are not) allowed to do. You may have more options than you would have thought.

Helen Weste was a divorced woman living in New Jersey. When she reached her mid 60s, she executed a will. That will split Weste's assets between her sister, eight nieces and nephews and two charities. By 2001, Helen's health and mental sharpness started to decline. By April 2002, doctors diagnosed Weste with severe dementia. The family decided to move Weste into an assisted living facility. Earlier that year, Weste, who was 74 by this point, visited an attorney about her estate plan. She signed the new document in March 2002. That will left a small portion of her estate to one of the charities and two of the nieces, but gave her home and 90% of her remaining estate to John Brek, a neighbor who had befriended Weste and performed odd jobs around her house. The new will also named Brek as executor.

After Weste died in March 2010, the family admitted the 1994 will to probate. In 2011, Brek sought to probate the 2002 will. One of the nieces, Joanne Halkovich, challenged Brek's request to probate the newer will. She argued that her aunt lacked the mental capacity required to execute a will when she signed the newer will. Both sides had competing expert opinions regarding Weste's mental functioning. The niece had an expert who testified that Weste did not understand either who the recipients of her new will were or the volume of her assets. She also presented records from her aunt's treatment in April 2002, just a month after she signed the newer will. Those doctors rated Weste on a numerical functioning scale where 21-30 was considered "severe problems," and they gave Weste a score of 20. 

On the other hand, Brek also had an expert, and this psychologist testified that Weste had testamentary capacity. Weste's attorney also testified, stating that he'd been practicing law for more than three decades and had no doubt that Weste had the required mental capacity. The New Jersey courts ultimately sided with Brek. The requirement for testamentary capacity is a low bar. The trial judge pointed out that Weste was still living alone when she made the newer will, and if she had the functioning ability to live alone and care for herself, she had the capacity to make a will. The appeals court upheld that conclusion

Obviously, the best time to create or update your estate is.... NOW! Chances are very low that your clarity of mind will be higher in the future than it is today, but there is a very real chance that your mental functioning could decline in the future. Furthermore, none of us are promised tomorrow, meaning that you should get your current estate planning goals placed into valid written legal documents right away, so that you are prepared for whatever the future might bring.

However, if you've procrastinated, don't turn that error into a double mistake by thinking that the degree to which you've declined during that time of procrastination means that the door has been totally shut on your creating or updating your plan. Perhaps the biggest lesson to be taken from the case of Weste's will is that, in general, most states have a very low bar on what level of mental functioning you have to have in order to create or alter an estate plan document. Don't assume. Go out and seek definitive answers from experienced estate planning professionals. You'll be glad for the information and you may find out the answers are more favorable than you would have thought.    

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:

Legacy Assurance Plan

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