Alperin Law

Estate and Business Planning e-Newsletter

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• October 2011
  • Cohabitation Complexities
    Like their married counterparts, unmarried cohabitants need to make appropriate Life & Estate Plans to avoid especially unpleasant and expensive surprises. Our first article reviews common challenges in the context of some real-life scenarios..
  • Postmarital Planning
    Next we examine legal tools and techniques that are must-haves for married couples, and some that may be more important depending on your unique needs. You will want to share this article with your married friends and family members.
• September 2011
  • Marital Matters
    This month we focus on making proper estate plans to avoid common legal and financial challenges in your marriage. Meeting these challenges will help you honor the vows you made on your wedding day to care for one another.
  • Non-Citizen Spouses
    Fact: Many U.S. citizens marry non-citizen spouses. Problem: Lifetime and post-mortem transfers to a non-citizen spouse can trigger significant gift and estate taxes. The tax rules are complex and proper estate planning requires great care.
• August 2011
  • Admirable Administration
    Have you appointed trusted family members, friends or professionals to serve as the fiduciaries of your estate plan upon your death? If so, our first article is a must-read as we review some of the responsibilities (and liabilities) they will face.
  • Treasure Hunt
    Every youngster, at one time or another, dreams of going on a treasure hunt. However, the fiduciaries of your estate will not find inventorying your assets to be nearly as exciting. Our next article provides tips on making their job easier (and less expensive).
• July 2011
  • Blended Family Basics
    Is yours a blended family? If yes, then you face unique inheritance challenges, to include disinheriting your ex-spouse, providing for your new spouse and your own children, and protecting their inheritance. Keep this newsletter (and share it with others).
  • Estate Equalization
    Next we consider estate equalization planning to avoid disinheriting either your new spouse, or your children of a prior marriage. Insurance premiums and legal fees are cheap compared to the costs of disinheritance.
• June 2011
  • Women: Law & Money
    Are you a woman or do you know someone who is? If so, then you will want to read and share this issue of our newsletter. The first article reviews some important Estate Essentials and Money Matters every woman should address without delay.
  • Daughter Syndrome
    Our next article examines the Daughter Syndrome. After a woman rears her children and cares for her parents, in-laws and husband … who is there for her? These days it is prudent to have a plan to care for the caregiver, given our mobile society.
• May 2011
  • Elder Law Elements
    Good news, bad news. The good news: Americans are living longer than ever. The bad news: we eventually wear out physically, mentally or both. In this issue we review two challenges: becoming incapacitated and going broke due to long-term care.
  • Long-Term Caring
    Here we examine important considerations when selecting a Long-Term Care Insurance policy. In addition to policy benefits, be sure to check the health of the insurance company standing behind the policy itself!
• April 2011
  • Tomorrowitis
    Why doesn’t everyone have their final affairs in order, especially in light of the likelihood of incapacity and the certainty of death? Our lead article in this issue takes aim at the chief culprit: Tomorrowitis.
  • Finding Fiduciaries
    Here we consider the critical process of selecting and appointing appropriate fiduciaries to handle your financial affairs when you cannot. In fact, this is one of the first (and most important) planning decisions you must make.
• March 2011
  • Solo Solutions
    Singles comprise nearly half of the adult American population. Whether never married, widowed or divorced, single adults face unique Life & Estate Planning issues. In this issue of our newsletter we focus on the challenges from a singular perspective.
  • Premarital Planning
    Whether you are getting married or remarried, here we examine Premarital Planning and offer some practical pointers regarding important financial and legal matters that you will want to consider before you tie-the-knot.
• February 2011
  • Special Needs Trusts
    Caring for a family member with special needs can be difficult enough, without losing government assistance. Our lead article reviews common mistakes, and a government-approved strategy to maximize support for the person with special needs.
  • Securing Security
    Here we examine two alternative trusts that supplement (but do not supplant) government assistance provided to a family member with special needs. Also, we will consider a proven method to finance their long-term security.
• January 2011
  • Joint Tenancy Troubles
    Have you ever heard of Joint Tenancy? This form of property ownership can be a blessing or a curse, depending on the circumstances (outside of your control). Read our lead article to learn the good, the bad and the ugly of this common form of ownership.
  • JTWROS Alternatives
    Here, we review alternatives to the Joint Tenancy form of property ownership. Each should be carefully considered in light of their relative risks and rewards in accomplishing your estate planning goals.
• December 2010
  • Revocable Living Trusts
    Revocable Living Trusts are popular estate planning tools, especially when probate avoidance is an objective. Our lead article reviews how they work, their benefits and drawbacks, and some of the important matters to consider in their creation.
  • Trust Funding
    Here we summarize one of the most important aspects of ensuring the success of any Living Trust-based estate plan: Trust Funding. Without careful attention to this detail, probate may not be avoided as intended.
• November 2010
  • Are You Ready?
    In this article we focus on getting (and keeping) your legal affairs in order. Whether you have a comprehensive estate plan or intend to create one soon, the goal is to make sure that everyone and everything is okay, even if you are not.
  • Post-Marital Plans
    Here we examine legal tools and techniques that are must-haves for married couples, and some that may be more important depending on your unique needs. You will want to share this article with your married friends and family members