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The Basics of a Will
Everyday events are unpredictable. A catastrophic health condition or injury can leave anyone incapacitated. A will can speak for you when you cannot speak for yourself. Most Americans agree that creating a will is a critical part of having a … Continued
Is Seed Investing Still a Possibility?
As economic fallout from the pandemic stifles small businesses, venture capital firms that were in the fundraising stage have slowed their commitment-making. It remains uncertain how long the disease and its economic impact will linger. For opportunistic investors, falling valuations … Continued
All About Power of Attorney (POA)
A power of attorney (POA) is a legal document giving one person, called the agent or attorney-in-fact, the power to act for another person, called the principal. POAs often are considered when planning for long-term care. You could be appointed … Continued
10 Warning Signs of Alzheimer’s Webinar
Worldwide, 50 million people are living with Alzheimer’s and other types of dementia. Alzheimer’s is a progressive disease and type of dementia that affects memory, thinking, and behavior, interfering with daily tasks. Alzheimer’s is the sixth-leading cause of death in … Continued
Examining Automobile Insurance with a Legal Eye
When I ask an injured client about their auto insurance coverage, it’s to learn if there is a way for them to collect in the event the other driver does not have insurance coverage, or if it’s insufficient to cover … Continued
Watch the Fees in Your Retirement Savings
How are fees impacting your retirement savings? Even though they might be just 1% today, with the law of compounding, those fees can have a sizable effect, amounting to almost 30% of your final portfolio. If you are like most … Continued
Trusts are Not Just for the Wealthy
Trusts are not reserved just for the wealthy — they are for a variety of people and can solve many estate-planning problems. To begin with, plenty of people have estates worth a couple of million without realizing it. When you … Continued
Should You Incorporate?
Why incorporate? There is a slew of reasons, including asset protection and tax benefits. Let’s look at each more closely: It’s easier to raise capital. Incorporating your business will make it easier to raise money because it adds a sense … Continued
How Divorce Affects Your Estate Plan
While your divorce is ongoing, make sure to meet your legal obligations to your spouse while exercising as much control over your assets as possible. Financial law is full of provisions designed to protect your property if anything happens to … Continued
Preventing a Will Contest
When you write a will, you have control over how your assets will be distributed after your death. However, if someone in your family disputes your will, a probate court judge could end up deciding who gets your property. Emotions … Continued
How Do Dividends Work?
A dividend is a payment made by a corporation to its stockholders as cash or stocks. As a shareholder, you can think of a dividend as your share of the company’s profits. Stock prices for financially secure companies typically don’t … Continued
The Importance of Beneficiary Designations
“Carol Page” got a call from the bank — an IRA from her deceased father was found and paperwork needed to be signed. But before the money was made available, a snag was discovered — her mother was named as … Continued
Moser Foundation 2021 Press Release
The pandemic has given all of us challenges over the past year and nonprofit organizations are no exception. Arts, education and literacy nonprofits have needed to find creative ways to continue providing programs and services to their clients, patrons and … Continued
529 Plans: Know the Full Story
The coronavirus upended the lives of many college students who had to return home to learn remotely in order to try to slow the spread of the virus. At the same time, many students and their parents lost jobs or … Continued
What to Know About Charitable Contributions
To be deductible, charitable contributions must be made to qualified organizations. How do you determine whether the organization qualifies for income tax deduction purposes? Refer to the IRS search tool titled Tax Exempt Organization. See Publication 326, Charitable Contributions, and … Continued
Insurance Deductibles: Home and Auto Best Practices
How do you choose the right amount of deductible for home insurance? Let’s look at how a home deductible works: You generally pay your deductible every time you file a home insurance claim. There are two home insurance deductible types … Continued
ERISA: Your Retirement Rights
The Employee Retirement Income Security Act of 1974 — better known as ERISA — is, according to the Department of Labor, “a federal law that sets minimum standards for most voluntarily established retirement and health plans in private industry to … Continued
Important Steps to Take If You Are In a Car Accident
Regardless of fault, even if you feel you were not hurt, you should not automatically refuse medical treatment at the scene. Research indicates that even minor accidents can leave a person injured. Days later, real pain can set in and … Continued
Great Wealth and the Next Generation
If you are thinking of transferring assets to your children, grandchildren and distant descendants, you may want to consider using a grantor retained annuity trust (GRAT) or an intentionally defective grantor trust (IDGT). Both estate planning tools can be used to freeze the value … Continued
5 Things You Should Think Twice About Before Buying
This is the moment you have been waiting for. All the paperwork is complete, you have the keys, and you are finally in your new home. Or maybe you’ve been saving your pennies, and you’re excited about fixing up your … Continued
The Advantages of an ABLE Account and Saver’s Credit
Achieving a Better Life Experience Act, ABLE, accounts help people with disabilities and their families save and pay for disability-related expenses. They allow states to create tax-advantaged savings programs for eligible people with disabilities, and distributions are tax free if … Continued
The Whys and Hows of Medicaid Trusts
A Medicaid asset protection trust (Irrevocable Trust) allows a person to qualify for long-term care benefits from Medicaid while protecting assets.
Understanding the Relationship Between Bank Account Ownership and Your Will
Author: Attorney Stephen L. Mangan, Principal. During the process of setting up a Last Will and Testament, questions arise about how to handle bank accounts. People become concerned and ask, “What will happen if I’m unable to handle my affairs … Continued
What to Do When Someone Dies
Settling the affairs of a deceased family member is not a one-person task. Here is a checklist to help you.
New Stimulus Has Plenty for Small Business
The pandemic relief package (Consolidated Appropriations Act, 2021) gives a break to small businesses by reopening the Paycheck Protection Program so that some of the hardest-hit small businesses can apply for a second loan. The new round of loans will … Continued
Putting Your House in a Trust
Should you put your house in a trust? For some homeowners, it could be a smart move, but you need to know all the facts. Click through for some insights into this little-known estate planning strategy to see if it’s … Continued
Four Silly Home Loan Mistakes Everyone Makes
As interest rates lower, buying a home seems more feasible and affordable now than it has in recent years. When you are shopping for a home loan, it is important to take the right measures to ensure that the loan … Continued
We Support...
Moser Foundation 2021 Press Release
The pandemic has given all of us challenges over the past year and nonprofit organizations are no exception. Arts, education and literacy nonprofits have needed to find creative ways to continue providing programs and services to their clients, patrons and … Continued
Lindsay Foundation Supports Basic Needs Fund, Addiction Services
We are proud of our clients! Good People doing Good Work. The Brian & Marilyn Lindsay Foundation made a grant that matters to Wheeler Clinic. Read the full story here.
The Christine E. Moser Foundation
The Foundation was created by Christine shortly before her death to support certain organizations in her community as she did during her life. To learn more, visit the Christine E. Moser Foundation website.
Guest Posts
Some activities during COVID 19 isolation.
Dear Clients, Family and Friends: We hope you and your family are staying healthy and safe during these challenging times. We understand that social distancing and stay at home orders are difficult so having an outlet to escape the routine … Continued
5 Steps to Create a Home Inventory Checklist (By Scott Humphrey, Travelers for Insurance Associates, 74 Vine St., New Britain, CT 06052)
After a fire, burglary or another event in which you lost possessions from your home, it may be difficult to remember the details of every one of the belongings that you have accumulated over the years. In this situation, having … Continued
