Special Needs Planning for Blended Families

The modern family is no longer defined by the nuclear model. Today, blended families – where one or both partners bring children from previous relationships – are increasingly common. So-called “nontraditional” families, including blended families, now...

Leaving It to Chance: What Happens Without an Estate Plan?

Most people know they should have an estate plan, but many put it off, assuming it’s only necessary later in life or for those with significant assets. The truth is, estate planning is about much more than money. It’s about making sure your wishes are followed, your...

When Is the Right Time to Establish a Special Needs Trust?

Raising a child with special needs involves careful planning, not just for today, but for their entire lifetime. One of the most important tools families can use to protect their child’s future is a Special Needs Trust (SNT). But many parents ask: When is the right...

Why Your College-Aged Child Needs an Estate Plan

The short answer:Peace of Mind for Parents. Empowerment for Young Adults. As your child heads off to college, you’re likely checking off lists: dorm essentials, class schedules, student ID, maybe even a financial aid package. But there’s one more important checklist...

The Growing Challenge of Housing and Care Costs for Older Adults

After many years of handling daily tasks, such as bathing, dressing, and cooking, we tend to take for granted that we can do these tasks without help. However, as we age, many of us will need help with some of these tasks, as well as other daily activities. In fact,...

Can I Give My Kids $19,000 a Year and Apply for Medicaid?

If you have money to give your children, you certainly can, but you should be aware that you may face consequences should you apply for Medicaid long-term care coverage within five years after each gift. In 2025, you can give up to $19,000 to any one individual and...

Long-Term Care Medicaid & Primary Residence Protections

A question we hear, quite often, from many who are traveling the roads of aging and disability is, “My spouse needs nursing home care. Will I need to sell my house to pay for his care?” The answer is, generally, no, but it depends. You generally do not...

Summer: A Great Time to Think About Planning Your Estate

Summer may be a season of sunshine and relaxation, but it’s also an ideal time to take care of important personal matters such as planning your estate. Whether you’re gathering with family, enjoying a slower pace, or simply taking stock of where things stand...

Scam Email Targets Social Security Recipients

If you or a loved one are among the 71.6 million people receiving Social Security benefits, be careful of downloading email attachments. You could receive a dangerous email from hackers pretending to be the Social Security Administration (SSA), and the email looks...

Why the Social Security Retirement Age Is Now 67, Not 65

In 2025, Americans born in 1960 are reaching age 65, a milestone that for decades has been associated with retirement. Many people still think of 65 as the age to claim full Social Security retirement benefits. But for those born in 1960 or later, full retirement age...