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HELPING YOUR CLIENTS PROVIDE FOR THEIR PETS

by Thomas D. Begley, Jr., CELA Is It Possible for Your Clients to Provide for Their Pets? Many people want to include their pets in estate plans to ensure they will always be secure and receive quality care. While this type of planning is common, it can be fraught with emotion. It is important for…

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DOES IT MAKE SENSE TO TAKE A REVERSE MORTGAGE TO DELAY COLLECTING SOCIAL SECURITY?

By Thomas D. Begley, Jr., Esquire, CELA In August, the Consumer Financial Protection Bureau (CFPB) published an issue brief titled “Issue Brief: The Costs and Risk of Using a Reverse Mortgage to Delay Collecting Social Security.” Many financial advisors recommend that consumers increase their monthly benefits by delaying the date on which they claim Social…

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THE BENEFITS OF BLOODLINE TRUSTS

by Thomas D. Begley, Jr., CELA What is a Bloodline Trust? A Bloodline Trust is a trust for the benefit of children and/or grandchildren. Rather than leaving the monies outright to children or grandchildren, money is left in a Spendthrift Trust with no withdrawal rights. If the child or grandchild is reliable, they can be…

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PARENTS’ ESTATE PLANNING FOR PERSONAL INJURY VICTIMS

by Thomas D. Begley, Jr., CELA  Personal injury victims frequently receive means-tested public benefits. They often establish Self-Settled Special Needs Trusts (SSSNTs) to hold the personal injury settlement, so that the settlement does not interfere with public benefits eligibility. However, it is important that parents not leave these children with disabilities monies as part of…

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