Showing posts with label Legacy Assurance Plan Article. Show all posts
Showing posts with label Legacy Assurance Plan Article. Show all posts

Monday, March 27, 2017

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:
8039 Cooper Creek Blvd
University Park, Florida 34201
844.306.5272 (Phone)
@assuranceplan
#legacyassuranceplan



Monday, March 13, 2017

Leaving A Legacy | The Importance of Getting an Estate Plan to Secure the Legacy You Want

Summary: Court cases can teach a lot of useful lessons about planning our estates. A recent Georgia case about a will executed by a man with schizophrenia reminds all of us that, if you have non-traditional planning goals (like excluding family members from your plan while including non-relatives,) you need to make sure you have a plan executed. It also reminds us that, even if you have serious physical and mental problems, you may still be able to create an estate plan and establish the legacy you desire to leave behind. 


Joseph Schmidt battled many medical maladies during his life. In 1973, doctors diagnosed him with schizophrenia. Three years later, Dale Groenenboom was named as Schmidt's conservator and guardian. Two decades after that, Schmidt moved into the Savannah Square Personal Care Home outside Augusta, Georgia. The home's owners were Charles and Jerry Reeves. In 2010, Schmidt decided to create an estate plan. He executed a will that split all of his wealth between Groenenboom and the Reeveses. Schmidt had one sister, Judith Webb, to whom he left nothing.

When Reeves died in the fall of 2013, Groenenboom went to court, seeking to admit the will to probate. Schmidt's sister objected to probating the will. Her brother, she argued to the court, lacked the degree of mental capacity required by the law to execute a will. This lack of mental capacity made her brother's will invalid. A victory for the sister would mean that Schmidt had no estate plan and his assets would have been distributed under Georgia's intestacy laws. That would have meant that the sister would have been the sole heir of her brother's entire estate.

The case of Schmidt's will went all the way to the Georgia Supreme Court, with the courts ultimately deciding that the will was valid and that Groenenboom and the Reeveses were entitled to split Schmidt's estate. The sister tried unsuccessfully to convince the courts that her brother was too incapacitated to make a will, as proven by the fact that he did not know how much wealth he possessed and that he had memory problems. These arguments did not persuade the courts, because the law doesn't require you to know exactly how much you are worth in order to create a will, and it does not require that you be completely free of memory problems or lucidity issues. In this case, the law required the person challenging the will (Webb) to prove that the person executing the will (Schmidt) lacked even a general understanding of what property would be passed under the terms of his will, or to prove that Schmidt was not lucid at the exact time that he executed the will. The sister didn't have this evidence, so she lost.

The case of Schmidt's estate plan can teach us some important lessons, though. First, if the estate planning goals you want to accomplish include disinheriting a close relative, or leaving a distribution to non-relatives --- and especially if your goals include both of these things --- it is imperative that you get an estate plan in place. Intestacy laws assume that people want to leave their wealth to their close family members, so if you have different objectives, you need valid, carefully written legal documents in place saying so. Second, do not assume that you are prohibited from creating an estate plan due to your health problems. Schmidt had schizophrenia, kidney cancer and memory problems, just to name a few, but he was still mentally competent under the laws of his state to execute a will. Because he took this important step, he was able to leave behind the legacy he wanted. 

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



Monday, March 6, 2017

Digital Estate Planning | Planning to Ensure the Proper Management of Your Digital Assets

Summary: Often times, society moves faster than the law. Legislatures are only now catching up to the fact that many people live much of their lives online and the individuals they name as their fiduciaries need to have a way to access that person's online accounts if the principal becomes incapacitated or dies. The enactment of these new laws creates a valuable new opportunity to modify one's will, trust and powers of attorney to ensure that the fiduciaries you designate have meaningful access. Even with these new laws and new opportunities to express your wishes in your estate planning documents, you may want to consider setting up a separate digital estate plan to ensure that you and your online assets are fully protected. 


The Uniform Law Commission is an unincorporated association of lawyers and legal scholars who work together to draft and publish "uniform acts," which are proposed laws intend to bring clarity to important areas of the law. The commission doesn't make laws; the uniform laws they put together may be thought of somewhat like templates, which state legislatures can, if they act on a uniform act at all, adopt entirely or adopt with their own changes.

One area the commission tackled recently was the thorny problem of access to digital assets. Estate planning professionals had, for years, sounded the alarm of this problem where a person died or became incapacitated and, even though that person had named a person (or people) to manage their affairs, that designated agent was unable to obtain access to electronic accounts ranging from online banking to email to social media. 

In 2015, the commission created the Revised Uniform Fiduciary Access to Digital Assets Act (Revised UFADAA). Since the commission set up the Revised UFADAA, several states have debated putting its provisions into their statutory codes. 20 have passed fiduciary access to digital asset laws, and a dozen more have introduced bills on this issue. For people residing within the states that have passed these laws, you may want to take this opportunity to consider updating your plan. Several different types of people can potentially qualify as a "fiduciary" under the Revised UFADAA. These people can include the trustee of your revocable living trust, your agent named in your power of attorney or the personal representative of your probate estate.

In order to ensure that the people you want to have access do have the access they need, you may possibly need to modify some of your estate planning documents. For example, without clear instruction in your estate planning documents, your trustee, personal representative or agent under a power of attorney, your designated fiduciary may have some access under the new law, but it may not be enough to be truly helpful. Take, as an example, North Carolina's version of the Revsied UFADAA. The law gives your fiduciary the authority to access your email but, if you've not expressed any powers explicitly in your estate planning documents, your fiduciary can only view the to/from and subject lines of the emails in your account. That's probably not very helpful, is it? However, with the proper express language in your power of attorney, trust agreement or will, your fiduciary can look at, not only the to/from and subject lines, but the entire content of your email account.

Even with advances such as the passage of fiduciary access to digital asset laws, you may still want to consider creating your own separate digital estate plan. For example, even with the new laws, Yahoo! will not give your fiduciaries access to your Yahoo! mail. If your fiduciary notifies Yahoo! that you've died, Yahoo! will simply close your email account and permanently delete everything in it. To protect yourself and your digital assets, you can create your own plan where you record all your digital accounts, from online brokerage and/or banking to email to social media. You can also record your user names and passwords. Obviously, in this age of identity theft, this is a very powerful document and should be carefully encrypted (if it is a digital file) or closely safeguarded (if it is a hardcopy document). You should take care to ensure that only the person (or people) you want to access your accounts in the event of your death or incapacity have the ability to access this information.    

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



Friday, November 25, 2016

Revocable Living Trusts | More Than Just a 'Will Substitute'


Summary: Living trusts are sometimes called "will substitutes" because they can accomplish many of the same objectives as a will when it comes to distrbuting your assets when die. A living trust, however, can do much more than that alone. A properly created and funded living trust can also help you plan, not just for asset distribution upon death, but also for the possibility of mental incapacity during your lifetime. Your living trust can help you make sure you have a seamless system in place for the management of your assets should your health dictate that you are no longer able to make those decisions yourself.  

You have many options when it comes to creating your estate plan. Each options has certain benefits, and each has its limits. As you contemplate how to go about constructing your plan, it is important to understand what each estate planning tool can, and cannot, do for you.

One example of this is the revocable living trust. Many people may be familiar with the benefits and uses of this legal document when it comes to avoiding probate. The reality of that benefit is true. A properly crafted and funded living trust may help you distribute your wealth to those you wish to receive it while avoiding the costs, delays and stresses that can be associated with the probate administration process. Because your trust can accomplish this goal of wealth distribution upon the occasion of your death, similar to how a will distributes your assets when you die, that's why living trusts are sometimes referred to as "will substitutes."

However, calling a living trust a "will substitute" misstates, in some ways, exactly what a trust's benefits and limits are. If you engage in the proper sort of estate planning, your trust's benefits may not be limited simply to accomplishing the objectives otherwise available using a will. Potentially, your trust can do much more. An area where this clearly true is protection during your lifetime. Your will does not take legal effect until you die; it can do nothing for you while you're still alive. A living trust, though, has the possibility to be vitally important to you during your lifetime if you should lose your mental capacity (a/k/a your mental ability to make decisions for yourself.) 

If this should happen to you, your properly funded trust can direct what will happen with regard to the management of your assets. When you establish a living trust, you will name someone (often yourself) to serve as the trustee of the trust initially. You will also name the person (or people,) called a "successor trustee" or "successor trustees," whom you want to take over the management of these assets when you either die or are otherwise unable to make those decisions for yourself. So, if you become mentally incapacitated, and you have funded your assets into your trust, then the process of dealing with them transitions seamlessly from you to the person or people you named in your trust document.

Without this type of planning in place, it may be necessary for your loved ones to go to court and ask a judge to appoint what's known as a "conservator" to manage your assets. This process, which is sometimes known as "living probate," has the potential, just like any legal proceeding, to be time-consuming, expensive and stressful for you and your family. By planning to avoid the negative impacts of living probate, your living trust can be a lot more than just a will substitute.


Tuesday, November 22, 2016

Estate Planning | Don't Delay, Plan Today... To Keep Your Estate in Order


Summary: Whether it is your marriage, your health, your car, your home, your boat or your estate plan, all of these have some things in common. One of them is that all of the hard work you put into acquiring and building these things up end up being lost if you allow them to fall into disrepair due to neglect. With regard to your estate plan, one of the best ways to avoid this state of disrepair is through regular maintenance. By resisting the urge to put off periodic estate plan reviews, you be certain that you have a plan best suited to carry out your wishes and your goals, and reflect both the state of personal affairs in your life and the state of the laws where you live. 

When it comes to estate planning, it can be easy to procrastinate. There are dozens of different reasons people put off getting an estate plan in place. For those that clear this hurdle and get a complete plan put together and executed, this is not the end of the process. Many people know that they need to be pro-active in ensuring that their plan remains up-to-date. However, just like making an initial estate plan, maintaining an estate plan can be easy to put off. And just as with initial estate planning, it is imperative not to fall into this procrastination trap. 

Procrastinating the completion of your estate plan maintenance essentially creates a minefield of possible harms that can blow up all the careful planning you've done. One of these mines is a change in your personal situation. Life events that can cause this include divorce, marriage, a birth or a death, among others. A man in Virginia ended up leaving his ex-wife (instead of his current wife) a $124,558 death benefit payout from his life insurance because he did not do proper estate plan maintenance and, specifically, did not update the death beneficiary form on his life insurance after he divorced the previous wife and later married the subsequent one.

Another potential problem possibly awaiting your estate plan is a change in your state's laws. If, for example, you have a former spouse whom (unlike the man in Virginia mentioned above) you do wish to include in your legacy, and you have not updated your plan since before your divorce, your goals could be thwarted. Some (but not all) states have statutes saying that a divorce automatically invalidates any estate plan provision created to benefit the now ex-spouse. If your state didn't have such a law but then decided to create a new statute and adopt such a provision, then this person to whom you made a conscious and intentional decision to leave a distribution could end up getting nothing as a result of your plan not being updated to address this legal change.

Your estate plan "check-up" can serve other goals, too. It can allow you and your team of estate planning professionals to contemplate many questions, like whether a change in your amount of wealth might warrant additional planning steps, such as the additional of additional trust(s)... or whether you still have sufficient resources to pay for your final expenses and the other costs of carrying out your final wishes. 

Whether taking inventory of your assets, taking inventory of the changes in personal life or taking inventory of the changes in the law, your estate plan review can give you the confidence that you have a plan in place that is optimized to deal with circumstances as they exist now, not as they existed when you signed your original set of plan documents. 



Tuesday, November 8, 2016

Estate Planning For Blended Families | Why Careful Planning Is So Important

Summary: Almost everyone has a high need for an estate plan. For some groups of people, this need is especially high. One of these groups is people who have blended families. If you have remarried but have children from a previous marriage or relationship, a well-crafted and executed estate plan can allow you to take control and leave the legacy you want for each of the loved ones in your life, as opposed to leaving the determination of these distributions to the prefabricated solutions of your state's statutes. 

Today, many older individuals have blended families. Whether you are a widow/widower or a divorcee, it is not uncommon to find a new partner and decide to marry that person. If you are a part of one of these ever-more-common families, your estate plan can offer you very substantial benefits. Without a plan, your legacy may be determined by your state's statutory laws, such as the intestacy laws and the spousal share laws. With a properly constructed plan, you can be in control. 

A case decided by the Kansas courts earlier this year offer a clear example. Charles Cross married his first wife and had three children with her. In 1983, he married his second wife, Marilyn. In 1992, the husband created an estate plan. His will stated that, upon his death, Marilyn got the couple's home, along with their furniture, jewelry, houshold items and personal effects. The will also gave Marilyn any autos the couple possessed. Everything else went to the man's three sons.

Cross didn't stop there, though. He named the wife as his death beneficiary on his life insurance and his IRA. He also created a revocable trust. The trust's income went to Charles during his lifetime, then (after his death) to Marilyn during her lifetime and the remaining accrued income to Marilyn's estate upon her death. The husband's estate plan went one step further. The husband secured Marilyn's signature on a document that officially announced that she declined her legal right to take her statutory spousal share of his assets, instead electing to receive the distribution laid out in the husband's plan. (In Kansas, as with all states, a surviving spouse generally has the legal right to choose to receive the distribution established in the deceased spouse's estate plan or else to take a specific portion of the deceased spouse's wealth that is defined in the statutes; however, a spouse can create a written document that waives the right of receiving the spousal statutory share, as Marilyn did in this case.)

After the husband died, the wife tried to challenge his plan. She argued that, because Kansas changed it spousal statutory share laws after she signed her document waiving her spousal share rights, she should not be bound by that document. The courts ruled against her. When she signed the wiaver document, she knew that her husband's plan left her with the income from the trust, the life insurance benefits, the retirement account benefits and the property listed in the will. She also knew that, by signing, she was accepting the distribution Charles created in his plan, and declining any distribution created by Kansas's spousal share laws. Because she signed the document voluntarily and knowingly, she had no basis to ask the court not to enforce the agreement. The wife's challenge failed and the husband's plan was carried out as written.    

In many situations, court cases involving estate planning tend to track a circumstance where the deceased person didn't plan, or didn't plan properly, and things went very wrong as a result. In this man's case, the opposite was true: he engaged in very extensive, detailed planning and, when the court case was over, his plan functioned as intended. Cross's plan is a prime example of how engaging in planning, especially detailed planning that goes beyond simply creating a cookie-cutter will, can give you and your family immense benefits.

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


Tuesday, November 1, 2016

Estate Plan Gifting | The Pros and Cons


Summary: Each person's set of estate planning goals can be as unique as the person creating a plan. How you utilize gifts as part of your overall estate planning, or whether you will use them at all, can depend on a wide array of considerations that are a mixture of the legal and the personal. For those that may desire to include gifting in their estate planning, there are many possible benefits that they can realize, but there are downsides as well, if the gifting plan is not carried out carefully.

When people start to consider an estate plan, some approach this prospect with the idea that the best use of their assets is to save those assets during their lifetimes, or use them themselves, and then distribute what remains upon their death. For others, though, the greatest enjoyment of their wealth is derived from giving a portion of it away during their lifetimes. You can realize substantial benefits from using gifting in your estate planning, but it is essential to make sure that the gifting plan you undertake does not entrap you in one or more of the potential pitfalls that exist.    

One of the first things to consider is making sure that your gifting plan doesn't create negative tax consequences. Federal tax law sets the annual gift tax exclusion at $14,000. This means that you can give up to $14,000 to as many people as you want and those are not considered to be taxable gifts for purposes of federal taxes. If you give somebody more than $14,000 in a year, this generally constitutes a taxable gift for federal tax purposes. There are certain exceptions to this, though, like tuition or medical expenses, or gifts to a spouse.

It's important to be aware that you do not have outright give an asset to someone for free for it to qualify as a gift under the federal law. For example, if you sell your SUV that has a fair market value of $40,000 to your daughter for $20,000, the federal tax laws view this as a $20,000 gift to your daughter. This is, of course, more than the $14,000 limit and would be a taxable gift for federal taxes. Another thing that can trigger a "taxable event" is adding someone to your deed. Say, for instance, you decide, as a means of avoiding probate, to alter the deed on your $250,000 home by "adding" your son, making the two of you joint tenants with right of survivorship. In this example, let's also assume that you receive no money from your son for this transaction. One of the consequences of this is that you have, under federal tax rules, made a gift to your son in an amount equal to 1/2 of the value of that home, or $125,000. (There are, of course, potentially less pitfall-filled ways to deal with this home and still avoid probate, such as a revocable living trust or a transfer-on-death deed.)

If you are also planning for Medicaid eligibility, it is vital to be especially careful. While the IRS allows you (as mentioned above) to make as many gifts in a year as you want so long as each one is $14,000 or less, the rules for Medicaid qualification are more strict. Even those gifts that are covered by the federal gift tax exclusion may possibly lead to a period of Medicaid ineligibility (a/k/a a transfer penalty) depending of the specific details of that asset transfer. 

If you want to engage in the gifting of assets as part of your estate planning, be sure to work with an experienced estate planning team, who can help guide you through the process and make sure that your generosity in the present term will not cause you or your loved ones problems in the future.

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


Friday, October 28, 2016

Estate Planning | Protect Your Loved Ones and Express Your Values


Summary: A complete estate plan spans lots of areas. in addition to planning for wealth distribution, a thorough plan will also address issues like planning for incapacity and end-of-life planning, among other things. With a well thought out plan that includes a healthcare power of attorney and an advance directive, you can be sure that your objectives and your values are respected and honored in the way that end-of-life care is provided to you.  

Most everyone associates estate planning with "the distribution of all my assets when I die." While this is an essential objective and a central aspect of any estate plan, but a complete estate does more than that. Your properly structred plan will not only allow you to state your goals regarding your wealth, it will also communicate your desires regarding your end-of-life care.  

Chances are, you have spent a lifetime looking after the well-being of your loved ones. Your end-of-life planning within your estate plan is one more opportunity to do just that. Specifically, the healthcare power of attorney and the advance directive documents in your plan allow you to take control and to express your end-of-life wishes to your loved ones and to your medical care providers. In some states, these declarations are covered in these two separate documents, in other states one document covers both. This document (or documents) can allow you to state the circumstances under which you would like life-extending medical provided or withdrawn, and also allows you designate a person, your "proxy," who holds the authority to make medical decisions for you when you cannot speak for yourself.  

With a complete plan, you can have the peace of mind that comes from knowing that you have communicated your values and your objectives in valid, legal documents. With these clear instructions in place, you can also save your loved ones from having to make potentially heart-wrenching decisions about your care with no input from you. Making these decisions without knowing your preferences can lead to both severe disagreements among family members, as well as the potential of guilt on the part of the person who ultimately becomes the decision-maker. 

Perhaps one of your goals is to avoid being a "burden" to your family. Your plan can make it clear to family and doctors alike the exact criteria under which you desire to continue receiving care, and when you would like that care to be withdrawn. You can also dictate the specifics regarding your care, such as whether or not to continue receiving things like painkillers, hydration or nutrition. On the flip side, perhaps your closely-held personal feelings or religious values dictate that doctors should continue doing everything possible to prolong your life regardless of your condition. For people in this position, a plan can be an important helper, again making sure that loved ones and doctors all know how you would like your care managed.  

When you are experiencing your final illness, it will certainly be an extremely painful time for your loved ones. Nothing is going to stop that pain. However, a complete estate plan with detailed end-of-life planning can at least make things a little easier for your family in a time of great stress.

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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