Real Families. Real Situations.

The Situation

They had talked about getting a will for years. A health scare for one of them finally made it feel urgent. When they came in, they had no will, no powers of attorney, and no idea what would happen to their home or retirement accounts if one of them died or became incapacitated. They assumed the process would be complicated and expensive. They were also unsure whether they needed a trust or whether a will would be enough.

What We Did

After reviewing their assets, family situation, and goals, we recommended a trust-based plan. Their home was their largest asset, and avoiding probate was important to both of them. We prepared a revocable living trust, pour-over wills, financial powers of attorney, health care powers of attorney, and advance directives for each of them. We also walked them through how to fund the trust properly and reviewed their retirement account beneficiary designations, which had not been updated in over a decade.

The Situation

Her father had always been independent and resistant to planning conversations. Now, at 81, he was showing clear signs of cognitive decline. She had recently discovered that he had no durable power of attorney and no health care documents. She was worried about her ability to help him manage finances, make medical decisions, and eventually navigate long-term care if it came to that. She was also unsure whether it was too late to get documents in place.

What We Did

We met with the daughter first to understand the situation, then scheduled a separate meeting with her father to assess his capacity and discuss his wishes directly. He still had sufficient capacity to execute documents. We prepared a durable financial power of attorney naming his daughter, a health care power of attorney, and an advance directive. We also reviewed his estate plan, which was outdated, and updated his will to reflect his current wishes. We discussed the Medicaid lookback period and what options might be available if nursing home care became necessary in the future.

The Situation

They had been married for four years and loved each other deeply, but they were both realistic: if one of them died, they wanted to make sure their own children were protected—not just the surviving spouse. A simple joint trust would not accomplish that. They had heard about QTIP trusts and AB trusts but were confused about what was actually right for their situation. They also wanted to make sure the teenager was protected if both parents died.

What We Did

We designed a blended family trust structure that provided for the surviving spouse during their lifetime while preserving each spouse’s share of the estate for their own children at death. We named appropriate trustees and successor trustees, addressed the minor child’s share with a separate trust provision, and updated beneficiary designations on retirement accounts to align with the overall plan. We also prepared individual powers of attorney and health care documents for each of them.

The Situation

Their mother had fallen and was now in a skilled nursing facility. The billing department had already mentioned that Medicare coverage would end in a matter of weeks, and the private-pay rate was over $7,000 per month. The siblings were panicked. They had heard that Medicaid would take everything before it would help. They did not know whether their mother’s home was at risk, whether any of her assets could be protected, or how to even begin the application process.

What We Did

We met with the family quickly and conducted a full asset review. We explained the Medicaid rules, the spousal protection provisions, and the options available even at this late stage. We identified assets that could be repositioned within the rules, coordinated with the nursing facility on the timeline, and prepared the Medicaid application. We also addressed the family home, which was exempt during the application process, and discussed the implications for the estate after her passing.

The Situation

He had built a successful business over 25 years. His estate plan was a will he had signed in 2009. He had no buy-sell agreement, no succession plan, and no clear direction for what would happen to the business if he died or became incapacitated. His spouse had no interest in running the business. One child was actively involved; the other was not. He knew this was a problem but had never found the time to address it properly.

What We Did

We worked with him to design a plan that addressed both his personal estate and his business. We prepared a revocable living trust that addressed the business interest, coordinated with his accountant on the tax implications of various transfer strategies, and drafted a basic succession framework that gave his involved child the path to ownership while providing fair value to the other child through other assets. We also updated his powers of attorney to address business authority specifically, and prepared a letter of instruction for his family and key employees.

The Situation

She was healthy and independent, but she had watched a close friend spend down nearly everything she owned before qualifying for Medicaid. She did not want that to happen to her family. She had heard about Medicaid Asset Protection Trusts but was not sure whether they were right for her, whether she was too old to benefit, or whether transferring her home would cause problems. She also wanted to make sure her estate plan was current and that her children would not face probate.

What We Did

We reviewed her full situation and explained the five-year lookback period and how a Medicaid Asset Protection Trust works. Because she was in good health and had no immediate care needs, she was a strong candidate for proactive planning. We prepared a Medicaid Asset Protection Trust, transferred her home into the trust while preserving her right to live there, and updated her overall estate plan including her will, powers of attorney, and health care documents. We also reviewed her other assets and discussed which ones could be coordinated with the trust.

The Situation

They had been told by a financial advisor to simply leave their son out of the will entirely to protect his benefits. That felt wrong to them. They wanted him to have resources for things Medicaid doesn’t cover—travel, hobbies, and a better quality of life—but they did not understand how to do that without disqualifying him from the government programs he depended on. They also had two other adult children and were not sure how to divide things fairly without creating resentment or legal complications.

What We Did

We explained how a third-party Special Needs Trust works and why it is specifically designed for this situation. We drafted a trust that would receive any inheritance or gifts for their son, with a trustee authorized to spend on supplemental needs without affecting his SSI or Medicaid eligibility. We also helped them update their wills and beneficiary designations so that retirement accounts and life insurance were coordinated with the trust rather than passing directly to their son. Their other children were named as equal beneficiaries of the remaining estate, and we walked through how to have that conversation as a family.