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A designated health care or financial representative is also called an “Agent.” When selecting the agents who will be named in your incapacity plan, there are two important decisions to be made: 1. Who will manage your finances during incapacity; and 2. Who will make...
There are three essential legal documents for making healthcare decisions that must be in place prior to becoming incapacitated: 1. Medical Power of Attorney. This legal document gives your agent the authority to make health care decisions for you if you cannot do so....
There are two essential legal documents for managing your finances that must be in place prior to becoming incapacitated. Once you are incapacitated, you cannot initiate, sign or approve them: 1. Financial Power of Attorney. This legal document gives your selected...
Estate planning is not just about having a plan in place to deal with what happens at your death. It’s about having a reliable plan in place to deal with what will happen if you become incapacitated—and knowing the potential consequences of not having a plan. What are...
Clients often want to leave some kind of legacy behind. It could be setting up children and grandchildren for life, with no financial worries. Maybe endow a professor’s chair at their alma mater or build a wing on the local children’s hospital. Or they want to make...
Many of our clients have always dreamed of starting a business. Times are tough, though, and despite many years of experience in the workforce, they know their chances of getting a bank or small-business loan are slim. But there's a way to put their years of work to...
It wasn’t easy for your clients to talk to their kids about sex, drugs and being safe on the Internet, but they managed — whether with red faces or not. But when the subject turns to inheritance, many clients would rather have a root canal than talk about family...
The government prepares a budget. Businesses and families prepare budgets. A special needs trust should be no different. Unfortunately, many trustees of special needs trusts (especially family members of trust beneficiaries) have little or no experience handling...
The new year is always a time to take stock of the previous year and to make positive changes for the months ahead. Here are several resolutions that your clients should keep, in 2014 and beyond. 1. Review and Update Retirement Plan and Life Insurance Beneficiary...
No one likes to think about the possibility of their own disability or the disability of a loved one. However, as we'll see below, the statistics are clear that we should all plan for at least a temporary disability. This issue of our newsletter examines the...
