In order to know whether or not you should refinance, it is important to understand exactly what it means to refinance. Refinancing is the extinguishing of the old loan agreement with a new agreement between the lender and the borrower.…
Your home is probably your most valuable asset. You are clear about whom you want to end up with when you die. If you’re a parent, you want your kids to inherit your home. Ensure that your wishes become reality.…
The elderly may find themselves facing financial ruin in their later years. Fortunately, there’s Medicaid, but in most cases, they have to spend down almost all their savings — money they may have spent their entire working lives amassing. Fortunately,…
Who is the “right” expert to go to for professional advice on estate planning and taxes: an estate lawyer, a Certified Public Accountant or a Certified Financial Planner? The answer is that to put in place a solid estate plan and…
There may come a time in your life when you can’t make your own health care decisions for any number of reasons, including injury or severe illness. However, one thing you can be in control of and that’s being prepared…
When it comes to estate planning, there are many decisions to make, and among the most important is whether you should utilize a Living Trust or a simple Last Will & Testament. This may seem like a question with a…
When determining your estate’s future distribution with the protection of assets and minimizing estate taxes as a goal, it’s essential to take time and learn about the features and differences between Revocable and Irrevocable Trusts. Both of these unique estate…
Estate Planning Lawyer A power of attorney is a document you’ll make which outlines an agent who you want to act on your behalf if you are unable to do certain things. This is often when you are incapacitated due…
Dementia is a sinister ailment that comes with age. It leaves us bereft of our reason and awareness. Unfortunately, we have very little idea of who and when we may fall victim to this condition before it happens. If we…
What is a beneficiary designation? It is a form you fill out that says who will receive some benefit when you die. Even though that should be a serious consideration, most people do not give it any thought when they…