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How to Keep Wealth in Your Family for Generations to Come

Many families focus on building wealth, but fewer think about keeping it. Research shows that a majority of wealthy families lose their wealth by the second generation, and by the third generation, the figure can reach 90 percent. That happens not because parents lack concern for their kids, but because key planning pieces are missing.

Keeping wealth in your family isn’t just about signing legal documents or having a strong investment portfolio. True wealth preservation requires a shift in how you think about inheritance, practical systems that keep your assets accessible, and education that prepares the next generation to be responsible stewards.

In this article, you’ll learn three essential elements of building and preserving generational wealth: the mindset shifts that redefine what inheritance really means, the legal and financial strategies that keep assets from slipping through the cracks, and the education process that prepares your children to manage and grow what you’ve worked so hard to build. Most importantly, you’ll see why families who succeed in passing wealth down think differently about what they’re actually leaving behind.

The Mindset Shift: From “My Wealth” to “Our Legacy”

The families who successfully maintain prosperity over multiple generations understand something critical: wealth is more than money. Yes, you can leave your children a million dollars, but if they don’t understand responsibility, financial management, or your family’s values, that money will vanish.

Generational wealth lasts when you pass on tangible and intangible assets —accounts and property, but also knowledge, traditions, and life lessons — that make financial wealth sustainable. Your experiences, values, and even your failures are part of the inheritance that will shape how your children handle what you leave them.

This requires a mindset shift: inheritance isn’t a one-time transfer that happens at death. It’s an ongoing process of preparation during your lifetime. Instead of keeping financial matters completely private, invite your children into age-appropriate conversations about your values, your goals, and the responsibilities they may inherit one day.

Think of it like teaching your child to drive. You wouldn’t simply hand over the keys without practice and guidance. Likewise, don’t hand over wealth without the training and perspective they need to manage it wisely.

Of course, perspective alone isn’t enough. Once you embrace this broader definition of wealth, you’ll need systems that ensure your financial assets are actually protected and available when the time comes.

The Practical Side: Legal and Financial Strategies That Work

Too many people, even those with substantial assets, think that estate planning is about creating a set of documents. But documents aren’t enough. A document like a will, trust, power of attorney, or healthcare directive cannot pass on all that’s important to you, and it doesn’t address the direct impact on the people you love once you die or if you become incapacitated. The truth is, a document alone often creates more problems than it solves—like months of probate, thousands in legal fees, and painful family conflict during an already emotional time. 

That’s why my Life & Legacy Planning® process goes further. Protecting wealth and passing it on requires much more than a set of documents that eventually go stale. Protecting wealth requires so much more, such as:

Comprehensive Asset Organization

Your plan begins with a complete inventory of everything you own—bank accounts, investments, real estate, insurance policies, digital assets, business interests, and personal items of value. Each asset is titled correctly and integrated into your overall plan, so nothing is lost or overlooked—and it can be passed on to the people you love.

A Plan That Stays Up to Date

Life doesn’t stand still, and your plan shouldn’t either. Marriages, divorces, births, deaths, and property changes all require updates to ensure your plan continues to reflect your current life and wishes. Through regular reviews, I help ensure your plan stays current so it works exactly as intended when your family needs it most.

Clarity for the People You Love

A Life & Legacy Plan doesn’t just protect your assets—it protects the people you love from uncertainty. Your family receives clear guidance about what you own, how to find it, and what to do when the time comes. I help you document where accounts are held, how to access them, and who to contact for help. This clarity prevents the confusion and conflict that too often arise when families are left searching for answers.

Ongoing Guidance and a Trusted Relationship

Legal strategies form the foundation of wealth preservation, but they’re only one part of the equation. My role is to serve as your trusted advisor for life—someone who understands your family, your values, and your goals, and who will be there to guide your loved ones when you no longer can. And if I’m not able to be there, I’ll have a trusted colleague you can turn to who will be there in the same way I would. That ongoing relationship ensures your plan works not just legally, but practically and emotionally, for the people you care about most.

Creating a comprehensive plan and keeping it up to date over time is only one part of preserving generational wealth.  For true generational wealth to last, your children also need the tools, guidance, and values to use it wisely.

The Education Piece: Preparing the Next Generation

Even the most thoughtfully crafted estate plan can’t prepare your family to carry your intentions forward. Real success requires education, communication, and participation, so the people you love understand not only what you decided, but why.

That’s why I encourage families to treat planning as an ongoing conversation, not a one-time event. When your family understands your decisions in advance, such as why you chose particular beneficiaries, appointed specific roles, or structured inheritances a certain way, they’re far less likely to experience confusion or conflict later. These conversations also provide a chance to share your values, priorities, and hopes for how your wealth will be used to strengthen relationships, not divide them.

When you work with me, you’ll also record a Life & Legacy Interview, where you’ll share your stories, values, instructions for your loved ones, and your reasons for the choices you’ve made. Combined with periodic family meetings and regular plan updates, this approach ensures that your loved ones are never left wondering what you wanted or why.

Ultimately, the goal isn’t just to pass on assets, but to create a foundation of trust, understanding, and continuity. When your family is informed and included, they’re empowered to honor your legacy with confidence and clarity.

When your children are educated and prepared, the next question becomes: how do you ensure that wealth doesn’t just last for them, but also for grandchildren and beyond?

Thinking Beyond One Generation

The families who keep wealth for generations plan not just for their children, but also for their grandchildren and great-grandchildren. This often means using structures designed for long-term stewardship:

  • Trusts that distribute assets over time, protecting against mismanagement or outside threats.
  • Family governance structures that bring relatives together for ongoing discussions about values and shared resources.
  • Family foundations that involve multiple generations in philanthropy, reinforcing shared purpose and connection.

The goal isn’t simply to pass down money. It’s to create a structure that helps your family stay connected, supported, and guided by the values that built the wealth in the first place.

With the right mindset, strategies, and education in place, the final step is taking action. Start today, while you have the time and clarity to shape your legacy.

Your Legacy Starts Now

Preserving generational wealth requires more than smart investments. It requires intentional planning, ongoing education, and a fundamental shift in how you think about inheritance.

I help families design Life & Legacy Plans that protect not only your money but also everything that truly matters—your values, your wisdom, and your family’s future stability. My process begins with a Life & Legacy Planning Session, where we’ll clarify your goals, review your family dynamics, and create an inventory of your financial and intangible assets. From there, we’ll build a plan that ensures your legacy lasts for generations.

Ready to protect your wealth and everything it represents? Schedule a complimentary 15-minute discovery call 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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Building Industry Association Installs Alexa Lee as 2026 President

Vancouver, WA – The Building Industry Association of Clark County (BIA) recently installed Alexa Lee of Tapani, Inc. as the association’s 2026 Board President. Lee is celebrated as second female president in the history of the association, accepting a second year term. 

In addition to Lee’s role, the BIA’s 2026 officers were formally installed by Kevin Trevena, Lifetime Director of the BIA of Clark County. Max Booth was installed as Vice President, Nicole Hinton-Duke as Vice President Secretary, Dave Campos as Vice President Treasurer, Mark Kroll as Vice President Associate, and Tracy Doriot as Immediate Past President.

Prior to the installation, the evening recognized excellence across the industry with the annual President’s Awards. The Membership Outreach award was presented to Nikki Grey, while Dave Cole received the Workforce Development Champion award. The Constructed for Success award went to Avilaco. Samantha Zimmer was named Industry Advocate, and Industry Connector honor was awarded Jason Presser. Political Action Champion was awarded to Betty Sue Morris. The Legacy Member Award went to our longest standing member of over 46 years – Performance Building Products, Inc., while Most Spikes honors went to Drew Talbert. 

The Lifetime Directors award was presented to both Kevin Trevena and Paul McGraw. Supplier of the Year Award was given to Brian Boggs of Pacific Crest Custom Cabinetry. Remodeler of the Year went to West Coast General Construction LLC, and the Builder of the Year Award was given to Urban Northwest Homes. Industry Associate of the Year was awarded to Ashley Shimer, and the Beacon Award was presented to Lisa Thompson. The Industry Impact Award was presented to several members, including Tracy Doriot and Bobbi Bjork, Tony Curtis, Erin Wriston, Justin Ross, Nikki Hinton-Duke, Jodi Bailey, Matthew and Cheri Clarkson. The Alpha Performer award was given to Noelle Lovern, the E.O. at the BIA. These awards celebrate companies and individuals who have demonstrated outstanding craftsmanship, dedication, and vision in their work, reinforcing the industry’s strength and future.

“It is an honor to serve a second term as the BIA President.” said Alexa Lee, current President of the BIA of Clark County. “I am proud to present these awards as they celebrate the members who consistently elevate our association and strengthen our industry.”

The evening united industry leaders and innovators to honor the outstanding achievements and vision shaping 2026.

Taylor Morrison was the title sponsor of the event. To learn more about the Building Industry Association of Clark County, please visit biaofclarkcounty.org.

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Washington’s Renewable Energy Boom: Building a Green Future

Southwest Washington is leading a green energy revolution. Peek into the projects and innovations powering a cleaner, sustainable future for all.

Southwest Washington stands at the forefront of America’s clean energy revolution. The region is transforming its landscape with wind farms, solar installations and hydroelectric projects that power homes across the Pacific Northwest. Local communities are embracing this shift toward sustainability while creating jobs and attracting significant investment.

The Columbia River Gorge cuts through Southwest Washington like a natural wind tunnel, making it one of the nation’s premier locations for wind energy generation. Renewable energy projects contribute significantly to the regional economy, though specific figures vary. These developments signal a fundamental change in how Washington approaches energy production and environmental stewardship.

State leaders champion aggressive climate goals that position Washington’s renewable energy boom as leading a green future and being a national model for clean energy adoption. The Clean Energy Transformation Act requires utilities to eliminate coal-fired electricity by 2025 and achieve carbon neutrality by 2030. Southwest Washington utilities are already making significant progress toward these benchmarks, demonstrating the region’s commitment to environmental leadership.

Wind Power Transforms Rural Communities

The rolling hills of Klickitat and Skamania counties now host some of the largest wind farms on the West Coast. These installations generate enough electricity to power hundreds of thousands of homes annually. Rural landowners lease their property to wind developers, creating steady income streams that support agricultural communities facing economic challenges.

Shepherds Flat Wind Farm, located primarily in Oregon, ranks among the largest wind installations in North America. The facility features 338 turbines that produce 845 megawatts of clean electricity. Local contractors handle maintenance operations, while nearby communities benefit from increased property tax revenues that fund schools and infrastructure improvements.

Construction crews work year-round expanding existing wind facilities and developing new sites throughout the region. The evolution of technology in the heavy machinery industry plays a necessary role in these projects, as modern equipment enables crews to install turbines more efficiently in challenging terrain. Specialized transport vehicles and cranes reduce project timelines while minimizing environmental impact.

Solar Energy Gains Momentum Despite Cloudy Reputation

Southwest Washington defies stereotypes about solar energy potential in the Pacific Northwest. Cowlitz and Lewis counties are attracting solar developers who recognize the region’s untapped potential for photovoltaic installations. Ground-mounted solar arrays now generate clean electricity across former timberlands and agricultural fields.

The Olympia Solar Project represents one of the largest utility-scale solar installations in western Washington. This 120-acre facility produces 28 megawatts of electricity while demonstrating solar viability in cloudy climates. Energy storage systems complement solar arrays by storing excess power during sunny periods and releasing it during peak demand hours.

Residential solar adoption is accelerating throughout Southwest Washington as equipment costs decline, and state incentives make installations more affordable. Homeowners report significant reductions in electricity bills while contributing to grid stability during summer months when solar production peaks.

Communities are also benefiting from shared solar initiatives, which allow multiple households to access clean energy from a single solar installation. These programs make renewable energy more accessible to those who cannot install panels on their properties.

Hydroelectric Heritage Meets Modern Innovation

The Columbia River system provides Southwest Washington with abundant hydroelectric resources. This resource complements Washington’s renewable technology boom, building a green future. 

Fish passage improvements at existing dams balance environmental concerns with clean energy production. The US Army Corps of Engineers invests millions in salmon recovery programs while keeping hydroelectric operations that support grid reliability. These upgrades demonstrate how legacy infrastructure adapts to modern environmental standards.

Small-scale hydroelectric projects are emerging along tributaries throughout Southwest Washington. Run-of-river installations generate electricity without large reservoirs, minimizing ecological impacts while providing local communities with renewable power sources. Environmental groups support these projects as alternatives to fossil fuel generation.

These projects also create opportunities for education and public awareness about sustainable energy practices. By integrating modern technology, small-scale hydroelectric systems showcase new ways to balance energy production with environmental stewardship.

Economic Impact Reaches Beyond Energy Sector

Renewable energy development creates ripple effects throughout Southwest Washington’s economy. Construction workers, engineers and technicians find steady employment as projects move from planning to operation. Local suppliers provide materials and services that keep energy facilities running efficiently.

Manufacturing companies establish operations near renewable energy sources to take advantage of clean electricity and a skilled workforce. Data centers, aluminum smelters and other energy-intensive industries are relocating to Southwest Washington specifically because of renewable energy access. These businesses create high-paying jobs while supporting local tax bases.

Port facilities along the Columbia River handle wind turbine components and solar panels shipped from overseas manufacturers. Longview and Vancouver ports invest in specialized equipment to accommodate oversized turbine blades and tower sections. These infrastructure improvements position Southwest Washington as a renewable energy logistics hub.

The region’s proximity to major transportation networks, including highways and railways, further enhances its appeal as a logistics center for renewable energy. Additionally, ongoing investments in clean energy infrastructure demonstrate a long-term commitment to sustainable economic growth.

Challenges and Opportunities Ahead

Grid integration presents ongoing challenges as renewable energy production grows throughout Southwest Washington. Utility companies are investing in smart grid technologies and energy storage systems to manage variable wind and solar output. Regional transmission lines require upgrades to handle increased electricity flows from distributed generation sources.

Workforce development programs are preparing residents for careers in renewable energy industries. Community colleges offer training in wind turbine maintenance, solar installation, and grid operations. These programs connect rural communities with emerging job opportunities while addressing industry skill shortages.

Environmental permitting processes sometimes delay renewable energy projects despite broad public support for clean energy development. Federal and state agencies are working to streamline approvals while maintaining ecological protections that preserve Southwest Washington’s natural resources.

Looking Toward a Cleaner Tomorrow

Southwest Washington’s renewable energy boom continues accelerating as technology improvements reduce costs and increase efficiency. Battery storage projects enable wind and solar facilities to provide round-the-clock power, addressing reliability concerns that once limited clean energy adoption.

Electric vehicle charging networks are expanding throughout the region, powered by locally generated renewable electricity. Transportation electrification is creating new markets for clean energy while reducing emissions from the largest source of regional air pollution.

Climate change mitigation depends on successful renewable energy transitions like the one transforming Southwest Washington. The region’s experience provides valuable lessons for other areas seeking to balance economic development with environmental stewardship. Clean energy investments today build the foundation for sustainable prosperity that benefits both current residents and future generations.

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Avoid These Eight Mistakes as a New Landlord

Being a new landlord comes with unique challenges only you can understand, including a few missteps. Avoid these mistakes as a newbie landlord.

Stepping into the world of property management is a rewarding venture, offering a steady stream of income and a chance to build significant wealth. However, the path for a new landlord is often riddled with unexpected challenges. Many first-time property owners learn difficult lessons through trial and error as they encounter preventable issues.

Navigating the complexities of tenant relationships, property upkeep, and legal requirements demands careful planning and attention to detail. This guide will walk you through the eight most common mistakes new landlords make and should avoid. By understanding these potential pitfalls, you can protect your investment, maintain positive relationships with your tenants, and build a successful rental business from the ground up.

The Pitfalls of Poor Tenant Screening

One of the most critical errors a new landlord can make is rushing the tenant screening process. The desire to fill a vacancy too quickly can lead you to accept the first applicant who shows interest, but this can result in significant problems later. A tenant who pays rent late, damages the property, or causes disturbances can turn your investment into a major headache.

How To Screen Tenants Effectively

A thorough screening process is your first line of defense. Always require a detailed rental application from every prospective tenant. This document should collect essential information, including employment history, income verification, and references from previous landlords. Follow up on these references to ask specific questions about their payment history and how they maintained previous properties. 

Running a comprehensive background check, which includes a credit report and a search for any prior evictions or criminal history, provides a clearer picture of the applicant’s reliability. A consistent and fair screening process for all applicants helps you find responsible tenants and comply with fair housing laws.

The High Cost of Neglecting Maintenance

Failing to stay on top of property maintenance is a mistake that can quickly devalue your investment. Minor issues, like a leaky faucet or a small crack in the wall, can escalate into major, costly repairs if you ignore them. Proactive maintenance preserves your property’s condition and shows your tenants that you care about their living environment. This commitment will lead to longer tenancies and a better reputation as a landlord.

Establishing a Maintenance Routine

Create a schedule for regular inspections of your property. Check for potential problems with plumbing, electrical systems, and the building’s structure. Encourage your tenants to report issues promptly by establishing a clear and simple process for submitting maintenance requests. 

When a problem arises, address it quickly and professionally. Keeping your property in good repair is about preventing problems before they start.

Ignoring Landlord-Tenant Laws

Landlord-tenant laws exist at the federal, state, and local levels to protect you and your tenants. Ignoring these regulations, even unintentionally, can lead to serious legal and financial consequences. 

These laws cover everything from security deposits and eviction procedures to property access and safety standards. Pleading ignorance of the law is not a valid defense in court, so it is your responsibility to understand your legal obligations.

The Dangers of Inadequate Insurance

Many new landlords mistakenly believe that a standard homeowner’s insurance policy is sufficient for a rental property. However, these policies often do not cover the unique risks associated with renting to tenants. Without the proper insurance coverage, you could be financially exposed to liabilities from tenant injuries or significant property damage.

Securing the Right Coverage

Landlord insurance typically covers property damage, liability protection in case of accidents, and even loss of rental income if the property becomes uninhabitable due to a covered event. 

Consult with an insurance agent who specializes in rental properties to ensure you have a policy that fits your specific needs. The cost of adequate insurance is a small price to pay for the peace of mind it ultimately provides.

Setting Rent Without Proper Research

Plucking a rental price out of thin air is a common mistake that can hurt your profitability. If you set the rent too high, you risk extended vacancies as potential tenants look for more affordable options. If you set it too low, you leave money on the table and may struggle to cover your expenses, including mortgage, taxes, insurance, and maintenance.

How To Determine the Right Rent

Conduct thorough market research to determine a competitive rental price for your property. Look at comparable rental listings in your area, considering factors like location, size, and amenities. Online rental platforms are valuable resources for this research. Setting a fair market rent helps you attract quality tenants quickly and maximizes your rental income.

Mishandling the Security Deposit

States have very specific rules about how landlords must handle security deposits. These regulations dictate the maximum amount you can collect, where to hold the funds, and the timeline for returning the deposit after a tenant moves out. 

Failing to follow these rules can result in financial penalties, sometimes requiring you to pay the tenant two or three times the deposit amount. Always provide tenants with an itemized list of any deductions you take from their security deposit for damages beyond normal wear and tear.

Failing To Create a Proper Budget

Being a landlord means you’re running a business, and every successful business needs a budget. Many new landlords only consider the monthly mortgage payment and forget to account for other significant expenses. You must factor in property taxes, insurance, maintenance, and potential vacancies when calculating your cash flow. 

It’s also wise to set aside a reserve fund for unexpected major repairs, like a new roof or HVAC system. Proper budgeting can also help you understand concepts like passive losses on a rental property, which have important tax implications.

Improperly Handling the Eviction Process

No landlord wants to evict a tenant, but sometimes it becomes necessary. The eviction process is strictly governed by law, and any misstep can result in your case being thrown out of court, forcing you to start over. 

You cannot simply change the locks or remove a tenant’s belongings. You must provide proper written notice and follow the legal procedures required in your jurisdiction. If you find yourself in this situation, it’s highly advisable to consult with an attorney to ensure you handle the eviction correctly.

Build a Successful Rental Business

Avoiding these common mistakes will set you on the path to becoming a successful landlord. By screening tenants thoroughly, maintaining your property, understanding the law, and managing your finances wisely, you can protect your investment and create a positive experience for your tenants. Being a landlord requires diligence and professionalism, but the rewards are well worth the effort.

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Beyond the FDIC Safety Net: Protecting Cash Beyond Insurance Limits

Imagine this: You’ve spent decades carefully saving money, building a comfortable nest egg representing years of hard work and discipline. One morning, you’re sipping coffee and browsing the news when headlines about a bank failure catch your eye. Your stomach drops as you realize a significant portion of your savings could be at risk because you’ve got an account in cash that exceeds the FDIC insurance limits. 

This scenario isn’t just a theoretical worry—it’s a very real concern, as we have seen banks fail. The Federal Deposit Insurance Corporation (FDIC) serves as our financial safety net, offering protection of up to $250,000 per depositor, per insured bank, for each account ownership category. But what happens when your cash savings exceed that safety net? How do you ensure your entire financial legacy remains protected?

Understanding FDIC Insurance: Your Financial Safety Net

The FDIC was born from the ashes of the Great Depression when thousands of banks failed, and countless Americans lost their life savings. Today, it is one of the cornerstones of our banking system’s stability. Think of FDIC insurance as a financial life preserver—it’s not something you think about until you need it, but you’ll be immensely grateful it’s there when the waters get rough.

Here’s what to know: FDIC insurance isn’t just a blanket coverage of $250,000 per person. It’s more nuanced and more generous than many realize. The coverage extends to $250,000 per depositor per FDIC-insured bank for each account ownership category. These categories include single accounts, joint accounts, certain retirement accounts, and trust accounts.

Let me break this down with a practical example. Imagine Maria has the following accounts at First National Bank:

  • A personal checking account with $100,000
  • A joint savings account with her husband containing $300,000
  • An Individual Retirement Account (IRA) with $200,000

Is Maria fully protected? Let’s see: Her personal account falls under the single ownership category ($100,000, fully covered). The joint account with her husband receives up to $250,000 for each owner (Maria’s $150,000 share is fully covered). Her IRA falls under the retirement account category (her $200,000 is fully covered). Maria has $450,000 protected by FDIC insurance at this one bank.

Does this coverage arrangement make you think differently about how your accounts are structured? Have you considered how your current banking setup aligns with these protection categories?

When Your Savings Exceed FDIC Limits: Strategic Approaches

Many of us dream of having “too much money” for FDIC insurance to cover fully—it’s a good problem to have! But it’s still a problem that needs solving. When your financial reserves take you beyond the FDIC safety net, it’s time to get strategic about protecting those hard-earned dollars.

Think of managing large deposits like a farmer who doesn’t plant all their crops in a single field. If a storm hits one area, the entire harvest isn’t lost. Similarly, spreading your financial assets across multiple institutions creates resilience in your financial portfolio. Here are several approaches to consider:

Multiple Bank Strategy: Dividing Your Financial Pie

The most straightforward approach is to spread your funds across multiple FDIC-insured banks. Each bank will provide separate insurance coverage, effectively multiplying your protection. For example, if you have $750,000 in savings, you could place $250,000 in three different banks, ensuring complete FDIC coverage.

This strategy is a bit like not putting all your eggs in one basket—a time-tested approach to risk management that remains relevant in our digital banking age. The downside? Managing multiple accounts across different institutions requires more time and attention. You’ll need to track various account numbers and passwords and potentially deal with varying banking platforms. On top of that, if you have a revocable living trust, you want to ensure each account is tilted in the name of your trust and not in your name.

Utilizing Different Ownership Categories: Maximizing Protection at One Bank

Another approach involves strategically using different ownership categories within the same bank. A married couple, for instance, could have individual accounts ($250,000 coverage each) plus a joint account (another $500,000 in coverage, $250,000 for each person). Here’s what that could look like:

  • Husband’s individual account: $250,000
  • Wife’s individual account: $250,000
  • Their joint account: $500,000
  • Husband’s IRA: $250,000
  • Wife’s IRA: $250,000

That’s a total of $1.5 million protected at a single institution! This approach offers convenience but requires careful planning and clear documentation of ownership. If you have a revocable living trust, I must review your options with you here to ensure your accounts are correctly titled both for FDIC coverage and for your trust/estate planning purposes.

Certificate of Deposit (CD) Laddering: Timing Your Protection

CD laddering involves purchasing certificates of deposit with varying maturity dates. This provides a steady stream of maturing funds and can be structured across multiple banks to maximize FDIC coverage.

Imagine building a ladder where each rung represents a CD at a different bank. As each CD matures, you can decide whether to reinvest at the same bank or move funds elsewhere based on current interest rates and your coverage needs.

This approach is like planting different crops that harvest at different times of the year—you’re constantly collecting something, and no single weather event can wipe out your entire yield. If you go this route again, I want to ensure your CDs are properly titled in the name of your living trust.

Considering Credit Unions: An Alternative Safety Net

Credit unions offer an alternative to traditional banks with similar protection through the National Credit Union Administration (NCUA). The NCUA’s share insurance fund protects deposits up to $250,000, comparable to FDIC coverage.

For some, credit unions offer a more personal banking experience, competitive rates, and lower fees. They can be an excellent component of your deposit-spreading strategy.

As you consider these options, ask yourself: How is my current banking arrangement structured? Could I be vulnerable to losing uninsured deposits if my primary bank were to fail? How much complexity am I willing to manage to ensure maximum protection?

Looking Beyond Traditional Banking: Additional Options

Sometimes, thinking outside the traditional banking box can provide security and opportunity. Cash management accounts offered by brokerage firms often spread your deposits across multiple banks automatically, maximizing FDIC coverage without you having to manage multiple accounts directly.

For more significant sums, Treasury securities offer the backing of the full faith and credit of the US government and can be effective protection, so long as you believe the US won’t default on its loans. If you are concerned about the US debt crisis and whether the US will default on its loans, Treasury securities would not be a good option for you. 

Remember that protection is only one consideration. You’ll also want to consider accessibility, convenience, and how your deposits fit into your broader financial and estate planning goals. After all, what good is protection if it makes your financial life unwieldy or prevents you from using your money effectively?

Bringing It All Together: Creating Your Protection Plan

Protecting your financial legacy isn’t just about security today—it’s about ensuring that the fruits of your labor will benefit you and potentially your loved ones well into the future. Just as you wouldn’t build a house without a solid foundation, you shouldn’t build wealth without ensuring it stands on secure ground.

The first step is to assess your current deposit situation. Make a list of all your deposit accounts, their balances, and ownership structures. Then, assess how much of your money currently falls outside FDIC protection. This clarity will help determine how urgently you need to restructure your accounts.

Next, consider which of the strategies we’ve discussed best fits your personal situation. Do you value simplicity and would prefer the multiple-bank approach? Or perhaps you’d like to keep your banking relationships consolidated and maximize coverage through different ownership categories.

Implementing your chosen strategy doesn’t have to happen overnight. You can make changes gradually, perhaps as CDs mature or as you receive new funds to deposit.

Securing Your Financial Legacy for the Future

I don’t just draft documents; I help you ensure you make informed and empowered decisions about life and death for yourself and the people you love. Understanding and addressing FDIC insurance limits is crucial to protecting your financial legacy. 

That’s why we start with a Life & Legacy Planning® Session, where together, we’ll explore how your assets fit into your broader financial picture and help you get more financially organized than you’ve ever been. Then, I’ll support you in creating a Life & Legacy Plan that ensures your hard-earned assets are positioned to support your loved ones well into the future. 

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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Building Industry Association, GRO Host 2025 GRO Parade of Homes Groundbreaking

Vancouver, WA –The Building Industry Association of Clark County (BIA) has officially broken ground for the 2025 GRO Parade of Homes, set to take place at The Nines at Camas Meadows. This year’s event marks the first time since 2019 that the GRO Parade of Homes has returned to Camas. The showcase will feature six homes, each offering a unique interpretation of luxury living.

“We are excited to present a diverse array of home styles for this year’s GRO Parade of Homes,” stated Alexa Lee, the 2025 GRO Parade Homes Committee Chair. “With the return of a seasoned builder and the debut of three new builders, we anticipate fresh designs, innovative ideas, and inspiring concepts that are sure to captivate the public.”

The 2025 GRO Parade of Homes will feature projects by NR Construction, NW Fortune Development, Pacific Lifestyle Homes and Urban NW Homes. This annual event celebrates craftsmanship and design innovation, providing community members and potential homebuyers with an opportunity to explore the latest trends, developments, and design features. Visitors can engage with builders, learn about cutting-edge techniques, and gain insight into modern homebuilding.

“As we begin our fourth year as the title sponsor of the GRO Parade of Homes, we are proud to have been part of such an impactful event,” said Garret Hergert, owner of GRO. “This event celebrates the incredible design and craftsmanship of our local builders, and we look forward to seeing this year’s showcase continue the tradition of excellence while inspiring the next chapter in homebuilding.”

Now in its 47th year, the BIA’s GRO Parade of Homes continues to bring together developers, builders, suppliers, and sponsors to create an immersive home show experience for the community. Over 13 days, the event aims to draw more than 10,000 visitors, including industry professionals, realtors, potential homebuyers and guests. Highlights include special event days such as Hero Day, honoring first responders, military and educators, and Builder & Realtor® Day, which will foster industry conversations for local professionals and guests.

“This year’s GRO Parade of Homes brings a fresh mix of design and luxury to Camas for the first time since 2019,” said Danielle Kilian, BIA Event Director. “With six incredible homes on display, visitors will explore a variety of single-family homes along with an attached home, offering a glimpse into the different levels of luxury available at The Nines at Camas Meadows. It’s an exciting opportunity to experience a range of styles and craftsmanship in one location.”

For more information regarding the Building Industry Association of Clark County or about BIA home shows email danielle@biaofclarkcounty.org or visit www.biaofclarkcounty.org or www.groparadeofhomes.com.

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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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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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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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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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