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The Joint Ownership of Property and Life Insurance Many people believe that by owning property jointly with a trusted loved one they will be protected from, and will be able to avoid the need for their survivors to administer their estate through the court system while at the same time save their estate from having…

Health Care Decision-Making Quite often I am asked about the differences between a Health Care Proxy and a Living Will. A Health Care Proxy allows a “principal” to appoint someone else to act as his or her health care agent for purposes of making health care decisions. When executing a Health Care Proxy, a person…

How the New Tax Law May Affect Seniors For the 2018 income tax year, the fairly new Tax Cuts and Jobs Act (“Tax Act”) provides some important changes that will save seniors (or their accountants) money and aggravation while completing their 2018 income tax return. New Tax Brackets. To begin, the Tax Act keeps the…

Social Security Update Wage earners pay a percentage of their wages into the Social Security system. Those payments become part of the fund that is used to pay for people who have already retired, are disabled, or are survivors or dependents of workers who have died. Any unused portion of such payments become part of…

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