Legal Services are considered Essential Services by Governor Lamont’s executive order.  ESM is open to assist you in these difficult times. We are allowing our staff to work remotely; we are handling most appointments remotely. We can help you from … Continued

Why New Parents Need an Estate Plan

Becoming a new parent is a life changing experience and caring for a child is an awesome responsibility as well as a joy. This is also the time to think about your child’s future by asking an important question: who … Continued

Passage of SECURE Act

The Setting Every Community Up for Retirement Enhancement Act of 2019, better known as the SECURE Act, which originally passed the House in July, was approved by the Senate and signed into law in December 2019. The legislation, designed to … Continued

Thoughts from the 54th Heckerling Institute on Estate Planning:

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

Guidance on Grandparent Gifting

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

Avoid these mistakes when setting up a trust

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

Should you prepare a Medicaid application yourself, or get help?

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

Connecticut Domestic Asset Protection Trust (DAPT)

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

Use a lawyer for Medicaid planning

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

Proud to support Special Olympics.

Laura has been working with therapeutic horseback riding and assisting with Special Olympics for years. Great work Laura!

Coat & Toy Drive

Please support this Coat & Toy Drive. As the winter season is approaching, many are without the proper clothing to gear up for the bitter cold.Together with Central CT BNI we are also collecting new unwrapped toys this holiday season … Continued

We Support…Newington Boys Tennis

Congratulations to the Newington Boys Tennis team, and our good friend Coach Don Lukowski, on a great 2019 season.

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

When Does a Roth Conversion Make Sense?

If you have money in a traditional IRA, there are several instances when it might make sense to consider a Roth conversion. That’s because a Roth conversion allows you to pay tax today, locking in what you owe Uncle Sam … Continued

Client Guide to a Recession

Bill Bonk Cell: 617-834-8668 bill@producersmail.com BBIM: Bill Bonk Insurance Marketing A Producers Choice Network Affiliate