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Horizon Elder Law & Estate Planning Blog

Monday, March 11, 2019

Estate Planning Documents You Must Have


What estate planning documents are essential to protect my heirs?


The topic of estate planning often elicits much confusion and uncertainty.  Some of us have likely come to believe that only the elderly or the ultra-wealthy need an estate plan.  Others recognize the importance of an estate plan, but may find themselves nonetheless putting off the task of creating one year after year.  Failing to create an estate plan can leave your heirs in a vulnerable position.  With no estate plan in place, the courts would be forced to divide your assets per state law, which may leave some loved ones out and will cost your heirs in taxes and fees.
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Thursday, March 7, 2019

What is a HIPAA Authorization?


No one likes thinking about becoming incapacitated. The sad fact is, many people do find themselves unable to make their own medical decisions. Without proper incapacity planning, including an up-to-date HIPAA authorization, it can be impossible for your loved ones to get access to your medical records and get you the treatments that you need. As


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Friday, February 22, 2019

2019 Brings Significant Changes to State and Federal Veterans' Benefits


2019 will usher in multiple changes in benefits for veterans in California and across the nation. As a veteran, you have served your country, and you deserve these programs, but if you do not know about them, you will miss out of their valuable services.


Read more . . .


Friday, February 15, 2019

Pay Attention to Your State Estate Tax Exemption


One of the advantages afforded to taxpayers in the Tax Cuts and Jobs Act (TCJA) is the increase in the federal estate tax exemption. The TCJA increased the federal estate tax exemption. It also indexed it for future inflation. In 2019, the federal estate tax exemption for individuals is $11.4 million ($22.


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Friday, February 8, 2019

Understanding AB Trusts


Are AB trusts still a solid estate planning tool for married couples?

An AB trust is a joint trust created by a married couple with the goal of minimizing estate taxes.  AB trusts are unique in that the trust will divide into two when the first spouse passes away.  Assets from both spouses will be placed into the trust and the trust will name a beneficiary, or multiple beneficiaries, who can be anyone besides the other spouse.  Trust A is known as the survivor’s trust or Marital Trust, while Trust B is the decedent’s trust or Bypass Trust.  AB trusts have become less common in recent years due to some changing estate tax laws, but under some circumstances, they still hold an important purpose in


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Friday, January 25, 2019

10 Tips for Creating a Care Plan for Your Aging Parents


Aging is a natural progression that everyone experiences, but it can come with certain challenges. As our parents age, it may be necessary to provide additional financial, physical, and emotional care. Developing a care plan with your parents now can avoid issues and problems in the future. Below are 10 tips from our Read more . . .


Tuesday, January 22, 2019

Scams Targeting The Elderly - What You Need to Know in 2019


Scams targeting the elderly are common throughout the United States. The Read more . . .


Thursday, January 17, 2019

Estate Planning Resolutions for the New Year


Why is it important to update my estate plan every few years?


The New Year offers a fresh start for all of us. It represents a clean slate, and for many the start of the new year is the time to create goals.  By outlining a few resolutions for 2019, you can work to ensure this new year becomes everything you want it to be.  People of all ages should consider incorporating estate planning into their New Year’s resolutions.  Whether you are retired or just starting off in the working world, you could benefit from making or updating your estate plan.
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Thursday, December 20, 2018

It May Be Time to Update Your Estate Plan


What life changes might require a change to your estate plan?

Fewer than half of all Americans have an estate plan in place.  If you are among the half that has taken the time to create an estate plan, then this information is relevant to you. While making an estate plan is a critical step towards protecting your future, your plans for the future cannot end there. Your estate plan will at times need to be updated and revised. Our Read more . . .


Tuesday, December 11, 2018

Business Owners - Do You Have a Business Succession Plan?


Developing a business succession plan is an important step in the estate planning process. Business owners should have a comprehensive business succession plan that covers a variety of scenarios, including retirement, injury, illness, inheritance, and selling the business. A Read more . . .


Monday, December 10, 2018

Five Reasons to Plan in Advance for Medicaid Asset Protection


Many people assume they will live at home until their deaths and will not need long-term care. Other people assume they will not need long-term care for many years, so they have ample time to plan for nursing home care or assisted living. However, you never know when you may need long-term care. Depending on your situation, long-term care can be extremely expensive. For your family, the cost of long-term care can be an overwhelming financial burden.
Read more . . .


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