Orlando Estate & Elder Law

End of Life Planning to Care for Loved Ones During Grief

It’s definitely an uncomfortable thing to do. However, making funeral arrangements for yourself eliminates a lot of stress and anxiety for the family members who are left to guess what you may have wanted. This, says the Leesville Daily Leader in the article “Planning for the end of your life” lets you make the decisions.

Here are some of the things to consider:

• Do you want to be buried or cremated?
• Do you want a funeral or a memorial service?
• What music do you want played?
• Do you want flowers or would you prefer donations to a charity?
• Do you want people to speak or prefer that only a religious leader speak?
• What clothing do you want to be buried in?
• Have you purchased a plot? A gravestone?
• Who should be notified about your death?
• Do you want an obituary published in the newspaper?

There are also estate matters that need to be attended to before you pass. Do you have a will, power of attorney, healthcare power of attorney, or a living will? Make sure that your family members or your executor know where these documents can be found.

If you do not have an estate plan in place, now is the time to meet with an estate planning attorney and have a plan created.

Your family will also need to be able to access information about your accounts: investment accounts, credit cards, utility bills, Social Security, pension, retirement funds and other assets and property. A list of the professionals, including your estate planning attorney, CPA and financial advisor, along with the names of your healthcare providers will be needed.

If you are a veteran, you’ll need to have a copy of your DD-214 in your documents or let family members know where this is located. They will need it, or the funeral home will need it, when applying for burial benefits from the Department of Veterans Affairs and the National Cemetery Administration.

If you wish to be buried in a national cemetery, you’ll need VA Form 40-10007, Application for Pre-Need Determination of Eligibility for Burial in a VA National Cemetery. This must be completed and sent to the National Cemetery Scheduling Office. Include a copy of the DD-214 with the application.

Your family may find discussing these details difficult but when the time comes, they will appreciate the care that you took, one last time, to take care of them.

For more information about estate planning in Orlando, FL (and throughout the rest of Central Florida), visit our estate planning website and be sure to subscribe to our complimentary estate planning e-newsletter while you are there.

Reference: Leesville Daily Leader (May 1, 2019) “Planning for the end of your life”

Do I Need to Update My Estate Plan if I Relocate for Retirement?

Anyone who moves to another state for retirement, a new job or to be closer to family needs to have a look at their estate plan to make sure it is valid in their new state, advises the Boca Newspaper in the recent article “I’ve Relocated To Florida…Should I Update My Estate Plan?”

If an estate plan hasn’t been created, a relocation is the perfect opportunity to get this important task done. Think of it as preparation for your new life in your new home.

Because so many retirees do relocate to Florida, there are some general rules that make this easier. For one thing, most wills that are valid in another state are recognized in Florida. There’s a specific law in the Florida statutes that confirms that “other than a holographic or nuncupative will, executed by a nonresident of Florida… is valid as a will in this state if valid under the laws of the state or country where the will was executed.”

In other words, if the estate plan was prepared by an estate planning attorney and is legally valid in the prior state, it will be valid in Florida. Exceptions are a holographic will, which is a handwritten will that is signed by the person with no witnesses, or a nuncupative will, which is a verbal statement made in front of witnesses.

However, just because your will is recognized in Florida does not mean that it doesn’t need a review.

There are distinctions in Florida law that may make certain provisions invalid or change their meaning. In one well-known case, a will was missing one sentence—known as a “residual clause,” a catch-all that distributes assets that are otherwise not specified. The maker of the will wanted everything to go to her brother. However, without that one clause, property acquired after the will was created was not included. The court determined that the property that was acquired after the will was created, would go to other relatives, despite the wishes of the decedent.

Little details mean a lot when it comes to estate plans.

It’s important to ensure that the last will and testament properly expresses intentions under the laws of your new home state. As you review or begin the process, this might be the time to speak with your estate planning attorney about whether any trusts are applicable to your estate. A revocable living trust, for example, would avoid the assets placed in the trust having to go through probate.

This is also the time to review your Durable Power of Attorney, designation of a Health Care Surrogate, Living Will and nomination of a pre-need Guardian.

Estate planning gives peace of mind, knowing that the legal side of your life is all taken care of. It avoids stress and unnecessary costs and delays to your family. It should be reviewed and updated, if needed, at big events in your life, including a relocation, the sale or purchase of a home or when you retire.

For more information about estate planning in Orlando, FL (and throughout the rest of Central Florida), visit our estate planning website and be sure to subscribe to our complimentary estate planning e-newsletter while you are there.

Reference: Boca Newspaper (May 1, 2019) “I’ve Relocated To Florida…Should I Update My Estate Plan?”

How Do I Organize Estate Planning Documents, So Family Can Find Them?

Keeping track of certain estate planning documents and talking about them with your loved ones who are likely to live after you pass, can be unsettling. However, they can make their lives easier. Your children and beneficiaries should always know where your estate documents are, says Lancaster Online in the article “The paper trail: Keep important documents in order to make it easy on family and friends.”

A will is just one of several important documents that survivors will need to locate. Having access to all estate planning documents will also avoid assets or debts being overlooked. It doesn’t matter if a person owns a single home or has a vast empire of property or multiple investment accounts: being organized matters.

The first mistake people make is not having an estate plan at all. Once assets begin to accumulate, there needs to be a plan to distribute them. An estate planning attorney can work with the person and their family to create the necessary documents and the overall estate plan. The next step is to update that plan as changes occur in life and in the law.

A growing problem is accessing digital accounts. Now that bills are paid online and statements are issued electronically, having a comprehensive list of bills, investment accounts, property, insurers and contact information for your CPA, financial advisor and estate planning attorney becomes even more important.

Create a list and let executors and heirs know where that list is. If possible, consolidate some accounts to make the process of settling the estate easier. If health is failing, it becomes more important to take care of this sooner rather than later.

Families left without a list of any kind are advised to start with tax returns as they contain a wealth of information.

One of the most important things about a will is that someone is going to need to find it. If it’s in a fire-safe box at home and can be located, that’s good. If it is in a safe deposit box in a bank, that may present some problems, unless the executor is on the list of those permitted to access the box and they know where the keys are.

A copy of the will does not work. An original, with inked signatures from the testator and two witnesses must be presented to the court. If there are minor children, the will must name a guardian for the children or the court may determine that the child is vulnerable and place them with care at a foster home until a guardian can be determined.

One document that is growing in popularity is a letter of intent. It is not a legally binding document but is a letter written to survivors to explain the decedent’s reasoning for how the estate was divided or what specific personal items they want to go to which person. People struggling with grief often create storms over minor things, like Aunt Sara’s first toy doll or Uncle Henry’s fishing rod. The letter might be used to uphold the will, if there is an estate contest.

Maintain the documents in an organized manner, whether a binder, folder, or a pile in a specified location. Tell family members where the documents are, so they can find them easily.

For more information about estate planning in Orlando, FL (and throughout the rest of Central Florida), visit our estate planning website and be sure to subscribe to our complimentary estate planning e-newsletter while you are there.

Reference: Lancaster Online (May 1, 2019) “The paper trail: Keep important documents in order to make it easy on family and friends”

Which Type of Power of Attorney Do I Need?

A power of attorney is a document that grants a person the legal authority to make decisions about certain aspects of another person’s life. It gives a trusted person of your choosing the right to act as your agent in either highly specific or general decisions depending on the type of power of attorney. As reported in Wicked Local’s article “Investors, Plans & Money: Power of attorney,” the person you name does not have to be an attorney nor does it have to be a spouse.

Each type of power of attorney works to achieve a slightly different goal. As you work with your estate planning attorney on developing your overall estate plan, you will want to know which type you need and what your state’s requirements are. You will have to be of sound mind, with awareness of what you are signing, when the documents are prepared and signed.

Here’s a look at the basic powers of attorney:

A General Power of Attorney gives the named agent the broadest scope and authority to act and make decisions for another person. The document ideally lists the actions the person wishes them to take. This requires absolute trust because it gives the agent complete control.

A Limited, Specific or Special Power of Attorney is a document that gives an agent the authority to act on your behalf in a very specific area of your life, task, or within a specified time frame. An example would be if you wanted someone to sell, maintain, or manage property for you.

The Springing Power of Attorney is “triggered” (hence the name) when, and only when, certain conditions are met. That might be a loss of mental capacity, for example. This document also must be very carefully defined and proof of the condition being met may need to be presented.

A Healthcare Power of Attorney goes by different names depending upon the state. However it is named, this is the legal document that gives the authority to make healthcare decisions if the person is incapacitated through illness or accident. The person named as your healthcare agent should have a clear understanding of your wishes regarding extreme life-sustaining measures, as well as critical care procedures, like blood transfusions or organ transplants.

There can be problems with powers of attorney. The person named to act as an agent must be entirely trustworthy and reliable. Other issues arise if the documents are not prepared properly. This is why an experienced estate planning attorney is the best source. Here are some examples of what can go wrong:

• Details are lacking, so the document is declared invalid;
• The wrong type of power of attorney is created;
• The state requirements are not met;
• An agent is named who the attorney would immediately know is a bad choice; and/or
• A generic document does not contain the correct language.

Properly prepared, a power of attorney can save a tremendous amount of stress, provide the ability to make time-sensitive decisions and allow your wishes to be followed. Speak with your estate planning attorney to determine the type of power of attorney your estate plan needs.

For more information about estate planning in Orlando, FL (and throughout the rest of Central Florida), visit our estate planning website and be sure to subscribe to our complimentary estate planning e-newsletter while you are there.

Reference: Wicked Local (April 24, 2019) “Investors, Plans & Money: Power of attorney”

Here’s A Lesson about Retirement from the Pros–Pro Athletes

Preparing for retirement and avoiding the stress of strained budgets is something that everyone can related to. Most people who are 65 and older rely on Social Security as their primary source of income, as reported in Money’s article “What Former Pro Athletes Can Teach Us About Preparing for Retirement.”

Staying financially healthy as you get older comes from following some core principles that apply, whether you are running defense or working your way up the corporate ladder.

Here are a few good lessons from professional athletes that can help you to prepare for your own retirement:

Live Below Your Means. With an average salary of $1.9 million it sounds like athletes have lots of spending cash. However, remember that they have a payroll of their own: an agent, a financial advisor and maybe personal trainers and nutritionists. They also pay taxes on their income. Smart players, like Cincinnati Bengal’s Andrew Hawkins, waited to buy a luxury car until he had a nest egg secured.

The NFL has one of the best 401(k) programs around, with a two-to-one match. Hawkins makes sure to max that out and told his fellow players to do the same. That’s something we should all do.

Contributing to 401(k) and IRAs may not be as sexy as driving a Lamborghini or investing in an IPO, but they offer a great deal more security.

Retired hockey player and assistant coach for the Tampa Bay Lightning, Jeff Halpern, said that when players go out to dinner with each other, they spend like crazy, picking up bar tabs and paying for everyone’s meal. The tendency is to spend more when you earn more—it even has a name: “lifestyle inflation.” Steer clear and you’ll save more.

Don’t Bank on Future Income. One of the biggest mistakes that athletes make is to spend income they don’t have. They spend every dime of their first big contract and say they’ll save when they get a second contract. However, injuries are common and if the second contract never comes, they’re left with nothing.

For the average worker, salary growth works differently. Average workers with college degrees peak around 40 for women and 49 for men. The average NFL player? Age 21.

Although later than athlete’s peak earnings, the average worker’s peak salary occurs earlier than people think. The years before retirement are the years when you should be saving most aggressively for retirement. However, many don’t have that option. More than half of all workers are laid off when they are 50 and older or they leave jobs under financially difficult circumstances, according to an analysis by ProPublica and the Urban Institute.

If you wait until your 50s to start seriously saving for retirement, it may be too late.

Plan in Advance for Transitions. Not all NFL players are able to move to the broadcast booth with smooth success. Smart professional athletes start thinking about their second careers while they are still playing.  lets them take advantage of their name recognition and get meetings with people who might not otherwise know who they are.

Networking while successful is good for everyone, including both athletes and regular people. Most Americans hold an average of 12 jobs in their lifetime. Lay the groundwork for your next job, while you are well employed at your current job. Testing the waters is easier when you have the security of a regular paycheck.

Saving for retirement never really ends, up until the date that you stop working. You can never be too early, noted Hawkins, but you can definitely be too late.

For more information about estate planning in Orlando, FL (and throughout the rest of Central Florida), visit our estate planning website and be sure to subscribe to our complimentary estate planning e-newsletter while you are there.

Reference: Money (Feb. 17, 2019) “What Former Pro Athletes Can Teach Us About Preparing for Retirement”

Not a Little Black Book, but a Big Red Binder

Life happens when we’re not prepared. A woman is recovering at home from minor surgery when her older sister dies unexpectedly thousands of miles away. She can’t fly from her home to her sister’s home for weeks. What will happen, asks Considerable in the article “This is the most helpful thing you can do for the people who love you” ? If you’re not prepared, the result is a mess for those you love.

The task of untangling someone’s financial responsibilities and their legal matters is emotionally and mentally draining when they have not prepared any kind of plan to convey the information. It’s not just making the calls and explaining who you are and why you are calling but having to constantly be starting at the death certificate of someone you love. That’s why people should consider making themselves a Big Red Binder.

That’s the name many people give to their folder of names and numbers and important documents that are assembled for such an occurrence, a reference book for their lives that contains every bit of information that their loved ones will need, in the event of a sudden death or illness.

It’s admittedly old school but there are advantages to using a large three-ring binder. You can put documents in pocket pages and use loose-leaf paper for your important information. Consider going whole-hog and also buying dividers—anything you can do to make it easier for the person who is going to have to tackle all of these tasks.

Don’t rely on digital only: if your family can’t get into your computer or access your cloud storage, they won’t be able to help. You could keep a copy of the information in a secure location in the cloud or on your computer in addition to on paper.

Tell at least two people about the Big Red Binder and let them where you have located it. If possible, give one of them a copy so that they have it available. This is what you should include in it:

Medical Information: Include surgeries, medications, recent test results, treatments and the name and contact information of healthcare providers.

Health Insurance Info: The name of the company, a copy of your health insurance card, your Medicare card and any recent bills.

Recurring Bills: Recent bills and contact information about your mortgage payments or rent, utilities, car lease or loan and life insurance policies. You should do the same for regular bills and for subscriptions, memberships.

Insurance Contacts: A list of all insurance agents, policy numbers and the agent’s contact information.

Investment Information: Your financial adviser’s contact information and account numbers.

Financial and Legal Information: Contact information for your estate planning attorney and your CPA. I t should include where your prior year’s tax records can be found. Make a copy of the front and back of your credit and bank cards. Include recent credit card bills and note when payments are generally due.

Pet Care: Contact info for the vet, any medication information and info for a trusted friend who can care for a pet on a short-term basis. A pet trust, if you have one.

Personal Lists: Who should be notified in the event of a serious illness or death? A list of names, phone numbers and email addresses will be invaluable.

A personal binder like this relieves children or friends who are in probably still in shock and gives them the ability to have the information they need right at their fingertips without having to dig through files or drawers of paper. It’s a gift to those you love.

For more information about estate planning in Orlando, FL (and throughout the rest of Central Florida), visit our estate planning website and be sure to subscribe to our complimentary estate planning e-newsletter while you are there.

Reference: Considerable (April 19, 2019) “This is the most helpful thing you can do for the people who love you”

Gifting While You Can See the Impact

There are many advantages to making gifts to people or organizations while you are still living, rather than do all of your gifting through your will, reports Tri-County Times in the article “Giving while living.”

Among the reasons is that annual gift-giving can be used to reduce estate taxes. Today’s annual tax break for gifts to individuals is $15,000, which is separate from the lifetime exclusion of $11.4 million per person. Married couples can shield $22.8 million.

Remember that you can give more than $15,000 as a gift but you have to know the limits. It’s easy to go over this without needing to pay taxes on the gift, but you may need to file a gift tax return. Speak with your estate planning attorney about the limits and when a gift tax return needs to be filed.

You can also make gifts to reduce the size of your estate without using your lifetime gift and estate tax exclusion if you want to make certain gifts. Be certain to follow the rules and to pay the institutions directly and not to the person.

• Pay medical bills for another individual—pay the health care facility directly;
• Pay tuition bills for a student—pay the educational institution directly; and
• Make a charitable contribution to an exempt organization.

Funding 529 accounts is a wonderful way to help the next generation achieve higher education, although those funds can now be used for other qualified educational expenses. There is a $15,000 annual gift limit but you can bundle five year’s worth of $15,000 gift tax exemptions into an initial $75,000 contribution to one student’s 529 account.

Note that if you die in the five years after making the gift, a prorated amount of your gift will be put back into your estate but only for tax purposes. The money remains in the 529 account.

Not all gifting is about taxes or inheritances. Special trips with the family make memories across generations and create strong family bonds. Create a vacation with more meaning than a theme park. If the family loves the outdoors, consider a long week in a nature preserve or spend a week volunteering with a reputable charitable group.

Talk with your estate planning attorney about how gifting can fit into your estate plan while you are still around to enjoy seeing its impact. While you’re doing that, make sure your estate plan is up-to-date and that includes beneficiary designations. Check on how assets are titled and if trusts have been funded. Then, go plan a memorable family vacation.

For more information about estate planning in Orlando, FL (and throughout the rest of Central Florida), visit our estate planning website and be sure to subscribe to our complimentary estate planning e-newsletter while you are there.

Reference: Tri-County Times (April 25, 2019) “Giving while living”

Should You Have a Personal Care Agreement to Care for Mom?

The answer is not so simple. Families often expect to care for relatives thinking that it is part of their duty as a daughter or son, niece or nephew. That does make sense, says AARP Bulletin’s article “Creating a Personal Care Agreement as a Family Caregiver,” if the amount of care is a few hours here and there or paying a bill or running an errand or two.

However, what happens when a parent needs far more intensive care like having their meals prepared, monitoring medications and help with daily activities of life like bathing, getting dressed and walking within the home?

It costs about $170 per shift for home maker or health aid services. Few of us are able to write that check.

Some children move in with their parents in an effort to make caring for them easier. That’s when the pay issue often arises. The caregiver may have to give up opportunities for their career, Social Security earnings and the chance to add to their own retirement savings. When the parent dies, the caregiver may find themselves without a home or a job. In this case, payment of some kind seems fair. That may also be true for adult children who take an ailing parent into their home.

The problem is, older people with limited income may not have the ability to pay for home care. There are public programs to pay for caregivers, including a family member, although not a spouse. Every state has different programs. Some long-term care insurance policies may cover a portion of home care costs. If these options are not available, then the family may have to decide whether to pay.

Here is one scenario where things go wrong fast: a daughter moves into her mother’s house who pays her without discussing it with any other members of the family. When siblings find out, there’s a big family fight. If there is no written agreement, the payments may be considered gifts from Medicaid’s perspective and could delay a parent’s eligibility for nursing home coverage.

The best option is to have a financial agreement in place. The questions to consider include:

• Should the room and board be included as part of compensation if the person is living with the aging parent?
• Will the family pay for the caregiver’s health insurance?
• Should there be time off for the sibling who takes the parent into their home?
• What can the other siblings do to help?

The paid caregiver family member is an employee of the parent and their income needs to be reported as taxable. The parent may need to file paperwork and pay employer taxes or hire a company that can manage the bookkeeping. The use of a contract and forms may feel overwhelming at first but there will be many difficulties in the future avoided by doing this right the first time.

For more information about estate planning in Orlando, FL (and throughout the rest of Central Florida), visit our estate planning website and be sure to subscribe to our complimentary estate planning e-newsletter while you are there.

Reference: AARP Bulletin (March 5, 2019) “Creating a Personal Care Agreement as a Family Caregiver”

Communicate Your Wishes and Have the Documents in Place

Without a will or other estate planning documents, your property is distributed according to the law of intestate succession in the state where you live at the time of your death. That means any wishes you might have as to how your assets are distributed will not be considered, says the article “Make Your Wishes Known” from the Concord Monitor.

If you want to have a say in what happens to your property, including financial accounts and personal items, you need a will. However, that’s not the only document you need. Here’s a list of the documents that are part of an estate plan.

Last will and testament. This transfers property through the probate process. It ensures that you get to tell others how you want your assets distributed. It may include naming a guardian to be responsible for a minor or incapacitated heir’s personal care and assets.

If you have minor children, you may wish to include a testamentary trust so assets can be managed and their distribution controlled. If your family includes an individual with special needs, you’ll want a Special Needs Trust (SNT) so they do not lose their eligibility for government benefits.

There are many different types of trusts and they serve different purposes.

Revocable Trust. This can distribute property without going through probate. It also preserves privacy, since documents do not become public. To avoid probate, the trust must be funded during your lifetime by changing the title on assets from your name to the name of your revocable trust. That may include bank and investment accounts, personal property and real estate. Income, dividends, gains and losses continue to be reported on your tax returns, while you are living.

If you own a business, talk with your estate planning attorney about whether the ownership of the business should be transferred to a trust.

Married couples should speak with their estate planning attorney about having a joint trust together or if they should each have separate trusts for estate tax planning, creditor protection, protecting children from prior marriagesor ensuring the continuation of a family business.

You may need a pour-over will with your revocable trust so assets may be transferred into the revocable trust that are outside of the trust at the time of your death. Your estate planning attorney will be able to discuss this in detail to see if it is a good option.

Joint ownership. If assets are owned in joint tenancy, property automatically transfers upon death to the surviving joint owner. It is not affected by your will and is a way to avoid probate. However, there may be a loss of control and there may be gift, estate, or income tax consequences.

Beneficiary designations. Life insurance, retirement assets, annuities and other Pay on Death accounts all have a person named to receive the asset upon the death of the owner. Every asset you own with a beneficiary designation should be checked every few years to make sure the right person is set to receive the asset. The beneficiary designation supersedes anything written in your will. There should always be a primary and a secondary beneficiary named just in case the primary predeceases you or does not want to accept the asset.

Power of Attorney. Everyone should have a Power of Attorney in the event of incapacity. This permits someone to act as your agent in any financial matters. There is also the Health Care Power of Attorney, which gives another person the authority to make health care decisions on your behalf if you are not able to communicate your wishes.

All these documents should be the foundation of your estate plan. Each person’s situation is different but an experienced estate planning attorney will help determine what you need.

For more information about estate planning in Orlando, FL (and throughout the rest of Central Florida), visit our estate planning website and be sure to subscribe to our complimentary estate planning e-newsletter while you are there.

Reference: Concord Monitor (April 22, 2019) “Make Your Wishes Known”

Does Your Bumper Sticker Read ‘We’re Spending Our Children’s Inheritance’?

Once you get to retirement, it’s important to identify what your goals are for your nest egg. Do you intend to spend it down enjoying your golden years pursuing passions and activities that bring you and your spouse joy or do you want to leave an inheritance to loved ones? The question is posed in the article “Will You Spend Your Retirement Savings or Leave It Behind? The Answer May Surprise You,” from the Warwick Advertiser.

For many people the goal of retirement is to do all the things that had to be put off while working. That might include a hobby that requires time and resources, travelling, purchasing a vacation home, or fulfilling a dream of going back to school. If that’s your retirement dream, bear in mind that these dreams all come with costs. Spending in the early stages of retirement often goes up, as retirees are still healthy enough to do everything on their bucket lists.

Given the reality of longer life expectancies, it’s important for retirees to understand that they may be living from their retirement investments for three or more decades. That means that you’ll need to have enough money to cover routine expenses plus health care and most likely, long-term health care services. Make sure your financial planning takes these factors into account.

Once you know how much money you’ll need for your costs of living and health care, plus inflation, then what’s left behind is your retirement fun money.

Knowing how to work within the constraints of a budget is actually more important during retirement. You can’t just go back to work for a few decades, if you find yourself running short. You still may need to pick up a part-time gig on the side. However, that income is quite lower than a full-time position at the peak of your earning career.

What if leaving a legacy is more important to you than buying a second home? Just like the plan for retirement fun, you’ll need to do some financial planning to make this goal come to fruition. Remember that your legacy will include whatever is left at the time of your death, as well as what you may give while you are living.

Giving your children or grandchildren their inheritance while you are alive is a way to enjoy the gift twice — once when you give and a second time when you see what they do with your gift. You might want to help the family reach their own financial milestone, like covering the cost of a college degree, helping with a deposit on a home or helping to pay off a mortgage.

Charitable giving may also be part of your legacy. If there is a charity, foundation, or alma mater that aligns with your values, you may choose to set aside a portion of your estate for a donation.

Regardless of whether you are planning on spending everything, giving away your assets to family members, or to a preferred charity, an estate plan is necessary to ensure that your wishes will be followed.

Your estate plan needs to include written instructions on how you want your assets to be distributed. That usually happens through a will and trusts are often part of an estate plan. Make sure that you know what your beneficiary designations are—these are the people who are named in your insurance policies, investment accounts, IRAs, 401(k), or other retirement accounts. They will receive the assets as noted in the beneficiary designations, regardless of what your will says.

For more information about estate planning in Orlando, FL (and throughout the rest of Central Florida), visit our estate planning website and be sure to subscribe to our complimentary estate planning e-newsletter while you are there.

Reference: Warwick Advertiser (April 18, 2019) “Will You Spend Your Retirement Savings or Leave It Behind? The Answer May Surprise You”