The passage of the SECURE Act will require all to review beneficiary designations for retirement accounts, especially if you are using a trust. Is it time to consider a Charitable Remainder Trust as beneficiary of your IRA? How about a … Continued
Grandparents are regularly generous with grandchildren, sometimes giving significant amounts of money. With the holidays approaching, gifting increases. Often grandparents want to share their resources to leave a legacy. In some cases, their children or grandchildren are dealing with financial … Continued
When setting up a revocable trust, you need to be diligent about asset transfers, beneficiary designations and funding formulas. Failure to complete certain steps can prevent the trust from acting as you intended, creating additional cost and unintended consequences for … Continued
If you are turning 65 and enrolling in Medicare as a healthy senior, do you really need to sign up for Medicare’s supplemental coverage as well? Not signing up initially could be very costly down the road. With all the … Continued
Laura has been working with therapeutic horseback riding and assisting with Special Olympics for years. Great work Laura!
A decision on whether to prepare and file a Medicaid application on your own or hire help depends on answers to these questions: How old is the applicant? How complicated is the applicant’s financial situation? Is the individual applying for … Continued
Congratulation to our client David Grossmann who received a first place award in the Black & White Landscape division at the Goshen Fair. David and his wife Cynthia have been clients of ESM for years. He is an avid photographer. … Continued
We are pleased to announce that ES&M are approved attorneys to close loans for Liberty Bank and Simsbury Bank.
For years clients have asked us about forming asset protection trusts. We were always forced to form them in other states or even other countries. Effective January 1, 2020, Domestic Asset Protection Trusts can be formed in Connecticut. At the … Continued
Many seniors and their families don’t use a lawyer to plan for long-term care or Medicaid, often because they’re afraid of the cost. However, an attorney can help you save money in the long run and make sure you’re getting … Continued