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Estate Planning in Times of Change: Part 1

With a new presidential administration onboarding, the estate planning landscape is shifting beneath our feet. If you’ve been waiting for the “right time” to create or update your estate plan, there’s no time like the present, which presents opportunities and urgencies that demand attention. With anticipated changes on the horizon and favorable conditions that won’t last forever, understanding your options has never been more critical.

In this two-part series, we’ll explore what we know for certain, what remains unclear, and most importantly – what you can do about it. Next week, we’ll look at strategies for protecting loved ones who may be especially vulnerable in the coming years. But this week, we focus on taxes, interest rates, and asset protection. Let’s dive in.

What We Know About Taxes and Interest Rates

Here’s what we know: The current estate planning environment offers some significant advantages that won’t last forever. The estate tax exemption for 2024 sits at $13.61 million per person ($27.22 million for married couples) – the highest it’s ever been. That number increases in 2025 to $13.99 million per person (or $27.98 million for married couples). You can transfer substantial wealth to your loved ones without triggering federal estate taxes. This creates a once-in-a-lifetime opportunity for many families to secure their legacy and protect their assets from future estate tax exposure.

However, we also know that this generous exemption is scheduled to sunset on December 31, 2025. Without new legislation, the exemption amount will drop significantly – to approximately $7 million – on January 1, 2026. This means that gifting assets out of your estate in 2025 could give you a $7 million opportunity to move assets that otherwise could be subject to estate tax rates that have been as high as in the past. When you are considering whether to gift assets out of your estate in 2025, remember to consider:

1. Not just the current value of your assets, but what they will grow to over your lifetime;

2. You can gift assets in ways that allow you to maintain aspects of control and even use. Call me and let’s discuss it.

3. The earlier in the year you get started on your considerations, the less expensive your planning will be, and the more likely we can get it done in time, so if you are likely to have an estate over $7 million in value at the time of your death, call me immediately to schedule.

Pausing here momentarily, I want to point out something important: Your estate may be larger than you think. For tax purposes, your estate includes your home’s fair market value (minus the mortgage) and any other real estate you own, life insurance policies, retirement accounts, investment accounts, and other assets. So, while you may have assets that total less than the $13.99 million exemption in 2025, you very well could be affected by the 2026 exemption. If you want to know for sure, I can help. Read on to find out how to book a call with me.

Additionally, 2024 gift tax laws allow you to give up to $17,000 per person annually without triggering any tax consequences. For married couples, you could give up to $34,000 to each child, grandchild, or anyone else to protect assets and pass them to your loved ones without tax liability. This is separate from the lifetime estate tax exemption and represents an additional tool for reducing your taxable estate. In 2025, the gift tax exclusion will increase to $19,000 per person.

Interest rates are another crucial factor. After a period of historic high interest rates intended to curb inflation, rates have finally begun to decline (though at the time of publishing, rates are fluctuating). Lower interest rates could make specific estate planning strategies particularly effective, especially if you want to transfer wealth to future generations. To learn more, book a call with me below.

Now that you’re clear on the current state of taxes, interest rates, and asset protection, let’s shift gears and discuss what’s uncertain.

What Remains Uncertain

We can anticipate changes with the new presidential administration and legislative session, but what those changes are is unclear. Different administrations often have vastly different approaches to tax policy, which can significantly impact estate planning strategies.

Here’s what we don’t know:

  • Whether new legislation will freeze the current exemption and stop the estate tax exemption from dropping in 2026
  • How long interest rates will continue to decline
  • What changes might come to the gift tax exclusion and other wealth transfer tools
  • Whether state-level estate taxes might change in response to federal shifts
  • How treatment of retirement accounts and inherited IRAs might evolve
  • Whether new restrictions might be placed on currently available planning strategies

With all this uncertainty, you may feel tempted to sit back and see what happens. However, waiting could mean missing valuable opportunities to protect your family’s financial future. History shows us that when tax laws change, they often do so quickly and with limited opportunities to act before new rules take effect. So, the time to at least have a conversation and start the discussion is now.

Why You Need to Take Action Immediately

Combining what we know and what remains uncertain creates a clear imperative: you should take immediate action. Here’s why:

Current Benefits: Today’s high exemption amounts and declining interest rates create optimal conditions for transferring wealth. By acting now, you can lock in these advantages before they potentially disappear. Many of the strategies available today might be limited or eliminated in the future.

Future Protection: I help you create a properly structured Life & Legacy Plan that can help shield your assets from future tax changes. While we can’t predict what changes will come, we can build flexibility into your Life & Legacy Plan to adapt to various scenarios. This might include using specialized trusts, family-limited partnerships, or other advanced planning tools that can provide long-term benefits regardless of how tax laws change.

Peace of Mind: Beyond tax considerations, creating a Life & Legacy Plan ensures your wishes will be honored and your loved ones protected, regardless of what changes come at the federal or state level. This includes ensuring your healthcare directives are current, your power of attorney designations are appropriate, and your asset protection strategies are robust. I also help you keep your plan updated over time so your plan always works – no matter who’s in office.

Family Security: The actual value of estate planning goes far beyond tax savings. It’s about ensuring your family has the resources and guidance they need when you can no longer provide them. This includes protecting your children’s inheritance, providing for family members with special needs, and ensuring your charitable goals are met.

Speaking of family members with special needs, check back next week. In Part 2 of this series, we’ll explore specific strategies for protecting vulnerable family members and preserving family harmony through times of change. We’ll also discuss planning considerations for LGBTQ+ families, families with children who have special needs, and other situations requiring special attention in today’s environment.

Your Next Steps

I understand that these changes and uncertainties can feel overwhelming. That’s why I offer a Life & Legacy Planning® Session designed to help you understand exactly how these current conditions and upcoming changes might affect your family.

Don’t wait until the last minute to act. While tax considerations are important, the real value of estate planning lies in protecting your family and preserving your legacy.

Take the first step toward securing your family’s future by booking a Life & Legacy Planning Session.

Contact us today!

This article is a service of Res Nova Law, a Personal Family Lawyer® Firm. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That’s why we offer a Life & Legacy Planning™ Session, during which you will get more financially organized than you’ve ever been before and make all the best choices for the people you love. You can begin by calling our office today to schedule a Life & Legacy Planning™ Session.

The content is sourced from Personal Family Lawyer® for use by Personal Family Lawyer® firms, a source believed to be providing accurate information. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal, or investment advice. If you are seeking legal advice specific to your needs, such advice services must be obtained on your own separate from this educational material.

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2nd Annual Volunteer & Community Engagement Summit Coming Jan. 25

Camas, WA — The Downtown Camas Association is excited to host the 2025 Volunteer & Community Engagement Summit. This event aims to connect local people with nonprofit organizations serving Camas and Washougal to build connections that strengthen everyone involved. Individuals and families can explore service opportunities, collect information about local programs, and learn more about all the important work performed by nonprofits in their community. The event will take place on Saturday, January 25th, from 11am-3pm, inside the Fuel Medical lobby located at 314 NE Birch Street in Downtown Camas.

Attendees interested in volunteerism will be able to meet with 14 unique local organizations. It will be an open house format, where people will leisurely walk through and connect with the organizations at their own pace. The goal of the event is to foster meaningful connections and help make engagement opportunities easier between organizations and potential volunteers. People of all ages and backgrounds are encouraged to attend. Employers that offer corporate volunteer initiatives are also welcome. Whether you’re looking for a volunteer opportunity for a few hours a month, or a longer-term commitment, you will find an organization that fits your interests. From supporting education and literacy initiatives, bolstering local food access, promoting environmental sustainability and community development, each organization offers unique opportunities for individuals to get involved and make a difference.

Participating organizations at the summit include:

– 100 Women Who Care Clark County

– Camas Farmer’s Market

– Camas Ivy League

– Camas Lion’s Club

– Camas Washougal Community Chest

– Downtown Camas Association

– EatWell Camas Community Garden

– Impact-Camas Washougal

– Lacamas Watershed Council

– LiveWell Camas

– Read NW

– Refuel Washougal

– Rotary Club of Camas-Washougal

– Unite! Washougal

“We are thrilled to bring this event back for a second year,” said Leah Nichelson, Event and Special Project Manager for the Downtown Camas Association. “We often hear that people want to volunteer but don’t have time to research which organization is right for them. This event is a low-pressure way to meet so many great nonprofits under one roof! You can find the group doing the work that you’re most passionate about. It’s also a great opportunity for people new to the area to connect and start building a community for themselves.”

Complimentary refreshments will be provided by Cedar Street Bagel Co.

New residents to the area are encouraged to attend and can pick up a Welcome Packet from the Downtown Camas Association, with information about Downtown and a special gift from Sweet Intention Gift Boutique (while supplies last).

Attendees can also explore incredible deals and discounts at participating Downtown Camas merchants during the Once in a Blue Moon Sale. Happening concurrently with the event, this sale offers the perfect opportunity to shop, save and support local businesses.

This event is organized and hosted by the Downtown Camas Association (DCA). The DCA is a 501c3 nonprofit that works year-round to strengthen and promote Downtown Camas through partnerships, events, beautification and historic preservation projects, public art engagement, economic development, advocacy, and tourism functions. For information on this and other DCA events, downtowncamas.com/events-and-festivals/. Sign up for the weekly Downtown Camas Association newsletter at https://lp.constantcontactpages.com/sl/peBo4oV

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Gluesenkamp Perez’s PORT Act Signed Into Law, Along w/ Flooding Assistance

WASHINGTON, D.C. – Last week, the Water Resources Development Act of 2024 (WRDA) was signed into law by the President, including assistance for flooding in Wahkiakum County, sediment control on the Columbia and Cowlitz Rivers, and the provisions of Rep. Marie Gluesenkamp Perez’s (WA-03) PORT Act to approve a land conveyance to the Port of Skamania for local economic development. The Congresswoman voted with her bipartisan colleagues in the House to pass the legislation in December, and it passed the Senate later in the month.

In January, Rep. Gluesenkamp Perez testified in front of the House Transportation and Infrastructure Committee to fight for the inclusion of these long-awaited priorities in this year’s WRDA. Video of her testimony can be found here.

The legislation will approve the Port of Skamania’s request for a 1.6-acre plot of unused U.S. Army Corps of Engineers land, which the port filed over 40 years ago and requires Congressional authorization.

The WRDA will also require the U.S. Army Corps of Engineers to assess the causes of fine sediment accumulation that causes flooding in Rosburg and Grays River, as well as potential solutions to manage flood risk. When flooding occurs on the Grays River, it cuts off access to roughly 500 people, often for more than two days at a time. Within hours, the flooding limits vital emergency services, business operations, and school transportation, leaving behind sediment that can be dangerous and time consuming to remove. Last December, the U.S. Coast Guard rescued five people trapped in flooding conditions near Rosburg.

Additionally, the legislation will authorize the U.S. Army Corps of Engineers to conduct a feasibility study related to impacts of sediment accumulation on navigation channels in the Cowlitz and Columbia Rivers. Currently, the Mt. St. Helens Sediment Control Project only allows dredging for flood risk management.

“Living in unincorporated Skamania County, I’ve seen firsthand how our community has had to endure painful cuts to vital services due to a lack of developable land and our funding being tied to natural resources like timber. This 1.6-acre plot of land is the kind of thing that can make an incredible difference in empowering our rural community. The port’s typewritten request for this land was filed before I was born, and it was unfortunately ignored by Congress for 40 years,”said Rep. Gluesenkamp Perez. “Rosburg and Grays River know the impacts of flooding all too well – and it’s only been getting worse. These floods are dangerous, leave behind debris, and cut off critical services, so our federal government needs to take urgent action to find solutions. We should also be supporting smooth, reliable navigation on Southwest Washington’s rivers. Our rural communities deserve an attentiveness to their needs – and I’m glad we could get these priorities signed into law after Congress has long failed to act.”

“The port is a key economic driver in Skamania County where just 0.4% of land is available for commercial development due to federal land-use protections. Because of the property’s location outside of these land-use restrictions this is an unheard-of chance to generate new economic development activity in a community with so many barriers preventing it,” said Pat Albaugh, Executive Director of the Port of Skamania County. “We can’t thank the Congresswoman enough for her leadership to finally overcome the bureaucratic roadblocks the port has faced for decades and put us on a road to success.”

The Water Resources Development Act is a biannual bill required for the authorization of U.S. Army Corps of Engineers and Bureau of Reclamation projects, including to improve navigable channels, reduce flood and storm damage, and restore aquatic ecosystems.

Rep. Gluesenkamp Perez helped secure the transfer of the remaining 23.4-acres of the Wind River Administrative Site to Skamania County, which was finalized in October. She is also fighting to prevent the Secure Rural Schools program from expiring, as it serves as a lifeline for rural schools and infrastructure and accounts for 5.1 percent of Skamania County’s budget.

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Building Industry Association Installs Alexa Lee as 2025 President  

Vancouver, WA – The Building Industry Association of Clark County (BIA) installed Alexa Lee of GRO as its president. Lee is notably the second female in this role in the history of the association, and her installation marks a significant milestone for both the organization and the local building industry. 

 “We are thrilled to have Alexa as the new BIA president. Having worked alongside her, I know the BIA is in great hands,” said Immediate Past President Chuck Neibert, co-owner of Affinity Homes LLC. “Alexa understands the balance and strength it takes to lead in this role, and I’m confident her leadership will guide the organization to continued success.” 

Lee, who serves as sales manager at GRO, outlined a vision for 2025 centered on creating a more connected and inclusive community within the BIA. She plans to engage members personally, expand programs like Build Better, and strengthen efforts to diversify the membership base. Her goals also include building on the foundation established by past leadership while adapting to the industry’s evolving needs and finding innovative ways to keep members engaged. 

“It’s an incredible honor to serve as the first female president of the BIA in 27 years,” said Alexa Lee, Sales Manager at GRO and 2025 BIA President. “This milestone reflects the progress our industry has made with nearly 11 percent of construction jobs held by women.”  

Lee emphasized her commitment to connecting personally with members, expanding programs and addressing barriers to participation in the association and its initiatives. 

“I hope to inspire not only our current members but also the next generation of leaders to see the building industry as a place where they can thrive,” Lee said. “Together, we’ll continue building a stronger, more connected community that supports our members’ success.”  

By reinforcing key programs, adapting strategies to meet evolving member needs, and fostering a collaborative approach to growth, Lee aims to position the BIA for a successful and impactful year ahead. 

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Camas City Council Member Bonnie Carter to Resign from Position Feb. 3

Camas, WA – Camas City Council Member Bonnie Carter announced that she will be stepping down as the Ward 2 Position 1 representative, effective February 3, 2025.     

Carter informed staff and Council of her decision at the Jan. 6, Council Meeting. Carter was sworn into office Feb. 2, 2015, and was then elected to her first full-term in November of 2015. Carter’s current term was set to expire, Dec. 31, 2027.

“Ten years is a solid run,” said Carter. “I wanted to help Mayor Hogan with a few things and we got two ballots to the voters: Strategic Plan and Vision 2045 is wrapping up so it’s a good time for another person to step forward and add their perspective to the mix. Steve retired in April and this allows me a little more time to spend with him so there’s that silver lining.”

A Camas resident since 2002, Carter has been a regular volunteer in the school district and the community, while also serving as treasurer for the Camas Educational Foundation.

“We’re very sad to see Bonnie leave, but we certainly appreciate the 10 years she has dedicated to our City,” said Camas Mayor Steve Hogan. “I know we’ll have big shoes to fill, but we wish her the best on her future endeavors and thank her for her service,” he said.

She is the Administrative Secretary at Skyridge Middle School., and was recently appointed to the following committees for 2025:

  • Council Policies and Procedures Committee Representative 
  • Finance Committee Liaison 
  • Homelessness Strategy Committee Liaison
  • Joint Policy Advisory Committee (JPAC) and Regional Fire Authority Committee Representative 
  • Library Board of Trustees Liaison
  • Port of Camas-Washougal Liaison

Carter also served as Mayor Pro Tem in 2024, 2019 and first half of 2021.

Officials with the City are determining the timeline for the application process and will be providing that information in the coming weeks. Once defined, the City Council will discuss the process of filling the Council seat vacancy.

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Washougal School Board Seeks Community Input for Superintendent Search

Washougal, WA — The Washougal School District Board of Directors is seeking community input about the skills and professional experiences that would help them identify a candidate who can successfully lead the district and make progress toward our shared goals. 

The board is committed to ensuring strong and effective leadership for our schools and community.  “We would like parents, community members, teachers, and even our students to help us make this very important decision,” Board President Sadie McKenzie said.

Community members canshare feedback through an online survey, which is open through January 7, 2025, or by attending an in-person listening opportunity on December 17, 2024, from 5-7 pm at the Excelsior Building, 1401 39th Street, Washougal. Information about the in-person event and the link to the superintendent search survey are on the district website: https://www.washougal.k12.wa.us/superintendent-search-process/

The board will use the feedback to decide next steps in the search process, including consideration of Interim Superintendent Aaron Hansen as a candidate. 

The board will share updates with the community through the district website and in messages to district families and staff. 

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The Power of Business Systems to Boost Your Company’s Success

Running a business is like conducting an orchestra. Every section needs to play in harmony to create beautiful music. In the business world, your systems are the sheet music that keeps everything in sync. Whether you’re managing a small startup or a growing enterprise, having effective business systems can be the difference between hitting a high note and falling flat. Let’s explore how you can harness the power of business systems to boost your company’s success.

Streamline Your Operations for Peak Performance

Imagine trying to cook a gourmet meal without a recipe. You might eventually get there, but it would be chaotic time-consuming, and the results would be inconsistent. That’s what running a business without proper systems is like. By implementing well-designed business systems, you create a recipe for success that your team can always follow.

Start by identifying the core processes in your business. These might include customer service protocols, production workflows, or financial reporting procedures. Once you’ve pinpointed these key areas, clearly document each step. Use flowcharts, checklists, or step-by-step guides to make the information easily digestible. Remember, the goal is to make these processes so clear that anyone can step in and complete the task with minimal training.

With streamlined operations, you’ll notice a significant boost in productivity. Your team won’t waste time reinventing the wheel for every task. Instead, they’ll follow established procedures, allowing them to work faster and more efficiently. This newfound efficiency frees up time and mental energy, which your team can redirect toward innovation and growth initiatives, relieving the stress of constant rework and giving you more control over your business.

Build Consistency and Trust with Your Customers

In today’s competitive market, consistency is king. Customers expect the same high-quality experience every time they interact with your business. Whether they’re buying a product, seeking customer support, or engaging with your brand online, inconsistency can quickly erode trust and loyalty.

This is where your business systems shine. Standardizing your processes ensures that every customer interaction follows the exact blueprint for success. From how your team answers the phone to the steps involved in fulfilling an order, having clear systems guarantees a uniform experience.

Think about some of the most successful brands in the world. Whether you walk into a Starbucks in New York or Tokyo, you know exactly what to expect. This level of consistency doesn’t happen by chance – it’s the result of carefully designed and implemented business systems.

To build this kind of consistency in your own business, start by mapping out the customer journey. Identify every touchpoint where a customer interacts with your brand. Then, create standard operating procedures for each of these interactions. Train your team thoroughly on these procedures and regularly audit their performance to ensure adherence.

You’ll notice increased customer satisfaction and loyalty as you build consistency through your systems. Happy customers will likely become repeat buyers and brand advocates, fueling your business growth.

Adapt and Grow with Confidence

In the fast-paced world of business, change is the only constant. Market trends shift, new technologies emerge, and customer preferences evolve. Adapting to these changes without proper systems in place can feel like trying to turn a large ship with a small rudder – slow and cumbersome.

However, with robust business systems, you create a flexible framework to accommodate change while maintaining stability. Think of your systems as the strong roots of a tree. They provide a solid foundation, allowing your business to bend with the winds of change without breaking.

To build adaptable systems, focus on creating modular and scalable processes. Break down complex operations into smaller, manageable components. This approach allows you to update or replace individual system parts without overhauling everything.

Review and update your systems regularly to ensure they remain relevant and effective. Encourage feedback from your team members who use these systems daily. They often have valuable insights into what’s working well and what could be improved.

Maintaining adaptable systems allows your business to seize new opportunities quickly. Whether expanding into new markets, launching new products, or pivoting your business model, your systems provide the structure to implement changes smoothly and efficiently, giving you the reassurance that your business can weather any storm.

Take the Next Step to Unlock Your Business Potential

I can guide you through implementing these robust business systems and other strategies to help your company thrive. That’s why I offer a Business Breakthrough Session, a personalized consultation where we’ll dive deep into your current legal, insurance, financial, and tax systems and then identify any areas that need improvement. Together, we’ll ensure your business is primed for growth, giving you the freedom and success you’ve been striving for. 

Book a call to start your journey toward a more prosperous, systematic, and scalable business.  Contact us today!

This article is a service of Res Nova Law, a Personal Family Lawyer® Firm. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That’s why we offer a Life & Legacy Planning™ Session, during which you will get more financially organized than you’ve ever been before and make all the best choices for the people you love. You can begin by calling our office today to schedule a Life & Legacy Planning™ Session.

The content is sourced from Personal Family Lawyer® for use by Personal Family Lawyer® firms, a source believed to be providing accurate information. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal, or investment advice. If you are seeking legal advice specific to your needs, such advice services must be obtained on your own separate from this educational material.

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Gluesenkamp Perez, Golden Introduce Bill on Electoral Reform

WASHINGTON, D.C. – Today, Rep. Marie Gluesenkamp Perez (WA-03) and Rep. Jared Golden (ME-02) announced the introduction of legislation to establish a bipartisan select committee to examine current electoral methods and recommend reforms to reduce political polarization and strengthen our nation’s democracy.

The Electoral Reform Select Committee Act would convene a bipartisan group of lawmakers to consider alternatives to our current winner-take-all electoral system, such as multi-member districts with proportional representation, expanding the House, and independent redistricting commissions.

“Regardless of party or ideology, more and more Americans feel that our democracy isn’t working for them. Voters feel unrepresented and are losing faith in a government that they view as unreflective of their communities and values. As Members of Congress, we need to take a step back, reexamine how we got here, and work toward what we can do to fix it,” said Gluesenkamp Perez. “This bipartisan select committee will look at the role our electoral system plays in exacerbating the hyper-partisanship, cynicism, and obstruction that has taken over today’s politics. It’s past time for Congress to set aside the conflict and chaos of clickbait politics and get back to work governing on behalf of the American people.”

“Americans on both sides are fed up with a political system that incentivizes division,”said Rep. Golden. “Fixing our laws to make government more representative doesn’t just sound great on paper: states like Maine have already proven it works. Getting both Democrats and Republicans to start talking about solutions is the first step to a better future.”

This legislation has the support of more than 170 political scientists, who wrote a public letter of support calling for Congress to “take this step towards reversing today’s dangerous levels of polarization and dysfunction and to strengthen itself as the fulcrum of our democracy.”

Earlier this year, Reps. Gluesenkamp Perez and Golden introduced bipartisan election reform legislation, as well as the BRIDGE to Congress Resolution to make it less difficult for constituents to appear before House committees.

Full text of the bill is available here.

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5 Things to Change That Will Improve Your Internet’s Speed

It’s not just you; your internet speed is slower than it used to be. You can find out for sure by running an online speed test using your home’s internet and then comparing it to the advertised speed you’re paying for. There are many variables that can impact your download speed, so the difference of a few megabits-per-second is to be expected. If the speed test shows a large difference, however, there are a few things you can do to help bridge the gap and improve your home internet connection.

Things to Change to Improve Your Internet’s Speed

1. Move the Router

It may be tempting to place your router in a corner or behind a pillar, but doing this can actually hinder your internet speed. Walls, doors, cupboards, closets, and even empty space all contain mass that blocks the Wi-Fi signal from reaching your device, contributing to slower internet speeds. The first step to address this is to move closer to the router, but that’s not always possible with larger devices like televisions and desktop computers. Instead, try moving your router to a more open, centralized location, like the center-most room of your house.

2. Switch Wi-Fi Channels

Like old-school radio, Wi-Fi signals are organized into channels. If your neighbors are also using the same Wi-Fi channel, or even an adjacent channel, the resulting congestion can also slow down your internet speed. To change channels, go into your router’s settings or consult your owner’s manual. Then, select a new channel. Avoid choosing channels close to your original setting, which may still have overlap or interference from your neighbors. Experts often recommend channels 1, 6, or 11, which are non-overlapping channels.

3. Disconnect Unused Devices

These days, the average American household has about 21 separate devices connected to their Wi-Fi network. To reduce the burden on your bandwidth, disconnect any devices that you aren’t actively using. Smart appliances, gaming consoles, or tablets are a good place to start. To take it further, you can also prioritize certain activities over others if your router’s settings include Quality of Service toggling. Once this setting is enabled, you can choose which devices your router will connect to first, such as your video streaming device or your work computer.

4. Replace Router and Older Devices

With age, your router will begin to slow down and become obsolete as new innovations are brought to market. If you have been experiencing slow internet speeds or had your router for more than five years, it may be time for an upgrade. Similarly, your devices may be the culprits behind slow internet if they are too old to keep up with your new, state-of-the-art router.

5. Switch to Faster Internet

If you have exhausted all your options for speeding up your internet on your own, it may be an issue with your actual service. Contact your internet service provider to request a technician who may be more successful at pinpointing the exact cause of your slow internet connection. In cases where no issues can be found, you may have to upgrade to a higher tier or switch to a new ISP.

By: Katherine Robinson, a writer for Osmose

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Navigating End-of-Life Care: Lessons from a Daughter’s Tragic Experience

In an aging society, you might face difficult end-of-life decisions for your loved ones sooner than expected. And when you do, you’ll realize the journey through end-of-life care is rarely straightforward. A recent and heartbreaking story from Maggie Schneider Huston in Newsweek illustrates this. In this article, I’ll highlight key insights from Maggie’s experience and offer practical advice for your situation.

First, know that an advance directive is a legal document that outlines your wishes for medical care if you cannot decide for yourself. In most states, it also gives authority to a person or people you choose to act on your behalf and ensure your wishes are fulfilled. With that, let’s dive into Maggie’s story. As you read, consider how you might prepare for similar situations in your life or the lives of your aging relatives.

What Happened?

Maggie’s story begins in 2023. Her mom died, and shortly after, Maggie’s father, Terry, revised his will and created an advance directive. He wanted to be entirely prepared for a planned heart surgery he was to have less than three months later.

His advance directive reflected his desires that he’d been clear about – that he did not want to suffer when his life was coming to an end. He did not want machines to keep him alive. He only wanted to be comfortable. Maggie and her siblings understood and supported their father’s wishes. They gave one of his doctors a copy of his advance directive before the surgery. That doctor later admitted that he hadn’t read it. Terry’s other two doctors did not know he had an advance directive.

After Terry’s heart surgery, his health declined rapidly. As he was lying in the hospital bed, his doctors arguing that he could live with the assistance of machines, he told them that’s not what he wanted. He repeatedly asked for hospice care. Despite Terry’s wishes, his doctors would not order hospice care for him.

Maggie and her siblings quickly got involved and read Terry’s advance directive to the doctors. And after repeated requests, the doctors finally relented. He died shortly after. Even though Terry’s wishes were finally honored, it wasn’t without frustration and heartache for Terry and his family.

It’s easy to see why the doctors insisted on keeping Terry alive. Their job, after all, isn’t to facilitate death but to promote life (no doubt the fear of being sued for medical malpractice was a factor, too). So it’s not a leap to think that if Terry didn’t have an advance directive, he would still be alive today, subsisting on the assistance of machines at an extreme cost to the family.

So, as Maggie’s story illustrates, having an advance directive is just the first step. You must also ensure that the advance directive is readily available and that your chosen advocates are prepared to fight for your wishes if necessary. It also helps to have a trusted lawyer by your side.

Advocating for Your Loved Ones

Maggie’s experience with her father shows how important advocacy can be. If you find yourself in Maggie’s situation with a parent or other loved one, here are some strategies you can take to ensure their wishes are honored:

Be prepared to speak up and ask questions. If you need help understanding something, ask for clarification. Don’t be intimidated by medical jargon or embarrassed about asking for explanations.

Ensure that all medical team members have read and understood the advance directive. Don’t assume that because one doctor has seen it, all of them have.

If your loved one’s wishes are ignored, don’t hesitate to escalate the issue to hospital administration or patient advocacy groups. Remember, you’re not just a visitor but an essential part of your loved one’s care team.

Keep a journal or log of all interactions with healthcare providers. Document who you spoke to, what was discussed, and any decisions made. This can be invaluable if there are disagreements or misunderstandings later.

Build relationships with the nursing staff. The nursing staff spends the most time with patients and can be powerful allies in advocating for your loved one’s care.

Consider bringing in outside help if needed. If you feel your loved one’s rights are being violated, this could be a patient advocate, a social worker, or even a lawyer. Read on, and I’ll show you how to get my help and support.

Take care of yourself during this process. Advocating can be exhausting and emotionally draining. Eat well, get enough sleep, and take breaks when needed.

Your role as an advocate can be challenging, but it’s crucial to ensure your loved one’s wishes are respected. You can also prepare for your future so your loved ones have the support they need to advocate for you if the time comes.

How to Help Your Loved Ones Avoid Similar Outcomes

To help your family avoid the challenges faced by Maggie and her siblings, consider the following steps:

Create a comprehensive advance directive and designate a healthcare proxy. This crucial first step involves clearly outlining your wishes for end-of-life care in a thorough Life & Legacy Plan. When you work with me to create your Life & Legacy Plan, I can help you get clear on specific treatments you do or do not want, choose the right people to be your representatives, and ensure they understand and are willing to advocate for your wishes. All these considerations are critically important.

Communicate your wishes openly and distribute your advance directive. Have frank discussions with your family members about your end-of-life preferences. Ensure all relevant family members understand and respect your decisions, proactively addressing concerns or disagreements. Once your wishes are clear, provide copies of your advance directive to your representatives, family members, and primary care physician. I will maintain a copy of your advance directive when you work with me. This wide distribution helps ensure your wishes are known and can be quickly accessed when needed.

Regularly review and update your Life & Legacy Plan. Life circumstances and health conditions can change, potentially affecting end-of-life care preferences. That’s why my Life & Legacy Planning process includes regular reviews of your plan so we can update your plan if needed. This ongoing process of review and update helps ensure that your end-of-life care plans always accurately reflect your current wishes and circumstances and that your plan will work when you and your loved ones need it to.

Finally, remember, end-of-life care isn’t just about how we die – it’s about how we live our final days, weeks, or months. Planning and being prepared to advocate can ensure that this time is as meaningful and comfortable as possible, aligned with your values and wishes. In doing so, you’re providing a final act of love and respect, honoring a life well-lived right up to its very end.

How We Help You Navigate End-of-Life Care

As Maggie’s story clearly illustrates, end-of-life situations can be complex and emotionally challenging. The best time to prepare for these difficult moments is now. We help you create a comprehensive Life & Legacy Plan that ensures your end-of-life wishes are respected, your loved ones are empowered to advocate for you, and your care aligns with your values when needed. Don’t leave your end-of-life care to chance. Let us help you create a plan that works when you and your loved ones need it most.

Schedule a complimentary 15-minute consultation to learn more. Contact us today!

This article is a service of Res Nova Law, a Personal Family Lawyer® Firm. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That’s why we offer a Life & Legacy Planning™ Session, during which you will get more financially organized than you’ve ever been before and make all the best choices for the people you love. You can begin by calling our office today to schedule a Life & Legacy Planning™ Session.

The content is sourced from Personal Family Lawyer® for use by Personal Family Lawyer® firms, a source believed to be providing accurate information. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal, or investment advice. If you are seeking legal advice specific to your needs, such advice services must be obtained on your own separate from this educational material.

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