Answering the most common estate planning and business law questions to help you plan smarter.


Estate Planning

What is estate planning?

When an individual passes away, his or her property must be distributed to another person. There are two main ways this distribution will occur: probate or an estate plan created by the decedent. Every individual has the right to determine how his or her assets are distributed upon his or her death. If an individual fails to create an estate plan, their assets will be distributed as determined by the probate process. An estate plan allows an individual to determine how and to whom their assets will be distributed as well as the creation of strategies to minimize potential estate taxes and other costs. A comprehensive estate plan allows an individual to coordinate the distribution of his or her assets such as: what happens with real property, investments, any business interest, life insurance and any other benefits (such as a 401K plan) or personal property (car, jewelry, etc.) in the event of death or disability. A well thought out estate plan also includes: directions on how to handle health care decisions in the event of incapacity, appointment of guardians for minor children and the ability to control how and when assets are distributed.

Why is it important to have an estate plan?

About 55 percent of adults in the United States do not have an estate plan in place. For many individuals the reasons are as simple as a belief they do not have enough assets or that their assets will be automatically distributed to their children upon their passing. If you don’t create a plan for the management of your assets and affairs after your passing, the state of California will create a plan for you. Without proper estate planning, the California Probate Court will determine how your assets are distributed.

If you pass away without an estate plan, your estate must go through the probate process. Probate is a public, court-supervised proceeding that can be expensive may cause long delays before your beneficiaries can access your assets. Although it does not happen in every instance, the failure to clearly outline your desires for the distribution of your assets can lead to serious disagreements amongst your beneficiaries. Individuals who have gotten along well during your lifetime may not see eye to eye when it comes to who should get your assets after your death. This potential pitfall is easily avoided with a comprehensive estate plan because your assets are distributed according to your well thought out wishes.

Shouldn't I wait until I have a nest egg to make a plan?

In short, no. We all need estate planning, whether your estate is large or small. Either way, you should designate someone to manage your assets and make health care and personal care decisions for you if you ever become unable to do so for yourself. For many, such “life planning” is the most important aspect of an estate plan.

If your estate is small, your plan may simply focus on who will receive your assets after your death, and who should manage your estate, pay your last debts and handle the distribution of your assets. If your estate is large, your lawyer will also discuss various ways of preserving your assets for your beneficiaries and of reducing or postponing the amount of taxes which otherwise might be payable after your death.

If you fail to plan ahead, a judge will appoint someone to handle your assets and personal care. And your assets will be distributed to your heirs according to a set of rules known as intestate succession. Contrary to popular myth, everything does not automatically go to the state if you die without a will. Your relatives, no matter how remote, and, in some cases, the relatives of your spouse, have priority in inheritance ahead of the state. Still, they may not be your choice of heirs; an estate plan gives you much greater control over who will inherit your assets after your death.

What is joint tenancy with right of survivorship?

Joint tenancy with right of survivorship is a form of ownership where two (or more) people can own an equal, undivided interest in an asset. Married couples commonly hold property this way. In order to sell, give away or dispose of the asset, all tenants must consent.

My only asset is my home. Isn't holding title as a joint tenant with right of survivorship with my spouse enough?

While holding title as a joint tenant with right of survivorship will avoid probate for the first tenant, it does nothing for the last and remaining tenant at their death. The asset will have to go through probate. Holding title this way and failing to conduct estate planning has drawbacks. First, holding title as a joint tenant with right of survivorship without any additional estate planning in place means that in the event you or your spouse becomes incapcitated from illness, injury or otherwise, the asset cannot be sold, given away or disposed of without a probate court naming a guardian. This is especially important for real estate assets. Second, you do not maintain control of the asset in life or at death since you are not leaving specific instructions regarding the the handling and disposition of the asset during incapacity and at death.

What does my estate include?

Your estate is everything that you own, including:

Real Estate

Business Interests

Bank Accounts (including your share of any joint accounts)

Retirement accounts

Life insurance policies

Personal Property (Car, Jewelry, etc.)

Any property owned by a trust, over which you have a significant control

What estate planning documents should I have?

A comprehensive estate plan should include a Living Trust, a Pour-Over Will, a Durable Power of Attorney, an Advance Healthcare Directive, a Living Will, and a HIPAA Release at a minimum.

What is a Living Trust?

A living trust is a property interest created during a person's life that allows easy transfer of assets without going through the process of probate. A living trust is an agreement where the trustee holds the legal possession of assets that belong to another person, the beneficiary, and it is created while the person is alive. You (and your spouse) are the Trustee(s) and beneficiaries of your trust during your lifetime. You also designate successor Trustees to carry out your instructions in case of death or incapacity. Some of the benefits of a revocable living trust are that you can make changes if your circumstances or wishes change and you have the ability to terminate the trust at any point before your death or incapacity. One advantage of establishing a living trust is that assets do not have to go through probate, which can be a costly, public and time consuming process.

What is a Pour-Over Will?

If you have a Living Trust-based estate plan, you also need a pour-over will. The major function of a pour-over will is to allow the executor to transfer any assets owned by the decedent into the decedent's trust so that the assets are distributed according to the terms of the trust.

A Will is primarily designed to transfer your assets according to your wishes. A Will allows you to name your Executor, who will carry out your instructions. If you have minor children, you can appoint a Guardian as well as alternate Guardians in case your first choice is unable or unwilling to serve. A Will only becomes effective upon your death, and after it is admitted by a probate court.

What is a Durable Power of Attorney?

A power of attorney is a document that gives you the power to appoint someone to act on your behalf in legal or financial matters. The authority granted by the document can be broad or limited depending upon your wishes. Unless you have a properly drafted power of attorney, it may be necessary to apply to a court to have a guardian or conservator appointed to make decisions for you during a period of incapacity. Granting a power of attorney ensures that someone you trust will handle your financial affairs in the event you become incapacitated. The appointment can be effective immediately or can become effective only if you are unable to make decisions on your own.

What is an Advance Healthcare Directive?

An Advance Health Care Directive allows you to appoint someone you trust to make medical treatment decisions for you in the event you lose the ability to decide for yourself. You can grant your agent the power to make all medical decisions for you or limit his or her power to certain medical treatments. Through the AHCD, you can give your agent specific instructions on how to act on your behalf and all health care providers must follow your agent’s decisions as if they were your own.

What is a Living Will?

A Living Will informs others of your preferred medical treatment should you become permanently unconscious, terminally ill, or otherwise unable to make or communicate decisions regarding treatment. Along with the other estate planning documents, the Living Will helps create peace of mind for you and your agent when it comes to ensuring your wishes are followed.

What is a HIPAA Release?

Some medical providers have refused to release information, even to spouses and adult children authorized for you and your agent by durable medical powers of attorney, on the grounds that the 1996 Health Insurance Portability and Accountability Act, or HIPAA, prohibits such releases. A HIPAA authorization form allows medical providers to release your medical information to your agents, your successor trustees, your family and other people whom you designate.

How do I name a guardian for my children?

If you have children under the age of eighteen, you should select someone you trust to be appointed guardian(s) over their person and property, in the event of your death or incapacity. In the event of the death of one parent, the surviving parent, provided he or she has custody of the minor children, automatically continues to remain their sole guardian. Through a provision in your Will, you can appoint an individual to serve as guardian of your children and you can create a plan of succession, should your appointed guardian be unable to serve due to death or incapacity. If you do not create the proper estate planning documents, the Court will likely determine the guardian of your minor children if you are incapacitated.

What is a Bypass Trust?

Bypass Trusts are commonly referred to as Credit Shelter Trusts, Family Trusts, or B Trusts. Bypass Trusts do just that: bypass the surviving spouse’s estate to take advantage of tax exclusions and provide asset protection.

What is a Charitable Lead Trust?

Charitable Lead Trusts (CLTs) are split interest trusts which provide a stream of income to a charity of your choice for a period of years or a lifetime. Whatever’s left goes to you or your loved ones.

What is a Charitable Remainder Trust?

Charitable Remainder Trusts (CRTs) are split interest trusts which provide a stream of income to you for a period of years or a lifetime and the remainder goes to the charity of your choice.

What is a Special Needs Trust?

Special Needs Trusts (SNTs) allow you to benefit someone with special needs without disqualifying them for governmental benefits. Federal laws allow special needs beneficiaries to obtain benefits from a carefully crafted trust without defeating eligibility for government benefits.

What is a Generation-Skipping Trust?

Generation-Skipping Trusts (GSTs) allow you to distribute your assets to your grandchildren, or even to later generations, without paying the generation-skipping tax.

What is a Grantor Retained Annuity Trust?

Grantor Retained Annuity Trusts (GRATs) are irrevocable trusts which are used to make large financial gifts to family members while limiting estate and gift taxes.

What is an Irrevocable Life Insurance Trust?

Irrevocable Life Insurance Trusts (ILITs) are designed to exclude life insurance proceeds from the deceased’s estate for tax purposes. However, proceeds are still available to provide liquidity to pay taxes, equalize inheritances, fund buy-sell agreements, or provide an inheritance.

What is a Marital Trust?

Marital Trusts are designed to provide asset protection and financial benefits to a surviving spouse. Trust assets are included in his or her estate for tax purposes.

What is a Qualified Terminable Interest Property Trust?

Qualified Terminable Interest Property Trusts (QTIPs) initially provide income to a surviving spouse and, upon his or her death, the remaining assets are distributed to other named beneficiaries. These are commonly used to maximize estate and generation-skipping tax exemptions and tax planning flexibility as well as in second marriage situations.

What is a Testamentary Trust?

Testamentary Trusts are created in a will. These trusts are created upon an individual's death and are commonly used to provide for a beneficiary. They are commonly used when a beneficiary is too young, has medical or drug issues, or may be a spendthrift. Trusts also provide asset protection from lawsuits brought against the beneficiary.

Disclaimer: This web page is a resource for educational and informational purposes only and should not take the place of hiring an attorney. Using this web page does not create an Attorney-Client relationship between you and Schlau|Rogers. Individually-tailored legal advice is not provided within this web page. Instead, this web page is designed to make you aware of various legal issues. Your use of this resource is subject to our Terms and Conditions, which you can read here.


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Probate and Trust Administration

What is probate?

Probate is a court-supervised process for transferring a deceased person’s assets to the beneficiaries listed in his or her will. Typically, the executor named in your will would start the process after your death by filing a petition in court and seeking appointment. Your executor would then take charge of your assets, pay your debts and, after receiving court approval, distribute the rest of your estate to your beneficiaries. If you were to die intestate (that is, without a will), a relative or other interested person could start the process. In such an instance, the court would appoint an administrator to handle your estate. Once an administrator is appointed, the process would be similar to the process listed above if you had a will.

What are the pros and cons of probate?

The probate process has advantages and disadvantages. The probate court is accustomed to resolving disputes about the distribution of assets through a process with defined rules. In addition, the probate court reviews the personal representative’s handling of each estate, which can help protect the beneficiaries’ interests.

One disadvantage, however, is that probates are public. Your estate plan and the value of your assets will become a public record. Also, because lawyer’s fees and executor’s commissions are based on a statutory fee schedule, a probate may cost more than the management and distribution of a comparable estate under a living trust. Time can be a factor as well. A probate proceeding generally takes longer than the administration of a living trust. Discuss such advantages and disadvantages with an estate planning lawyer before making any decisions.

Does every estate need to go through probate?

No, not every estate needs to be probated. Instances that do not require probate include "small" estates; property passes to a surviving spouse; property is held in a living trust; property is held in joint tenancy; accounts with clearly delineated pay on death beneficiaries (POD) such as bank accounts, Individual Retirement Accounts, Life Insurance, and other assets that often name beneficiaries. The same assets that do not need to be probated require speacial attention when formulating an estate plan.

Doesn't having a Will avoid probate?

Unfortunately, no. A Will only provides the court a set of particlar instructions that come directly from the decedent, but the will still needs to be probated. In fact, if you only use a Will to drive your estate plan, you are certain to go through probate. Using a will in conjunction with a Trust, however, can help you avoid probate altogether.

What is trust administration?

If a person has a living trust, and successfully transferred his assets to his trust during his lifetime, then no probate is necessary to transfer his assets to his heirs at his death. The successor Trustee will take over management of the decedent’s assets immediately so that she can pay the decedent’s debts and distribute his assets to the proper beneficiaries.

How does trust administration work?

Although there is no formal probate, it is still essential that the successor Trustee follow the rules set forth in the decedent’s trust along with state and federal laws. Beyond the specific requirements of the trust, the successor Trustee will have to:

Notify each of the decedent’s beneficiaries of the existence of the trust and their right to see the trust instrument

Identify each of the decedent’s creditors, and either pay all outstanding bills or successfully negotiate with the creditor to lower or write-off the bill

Diligently keep records and annually provide an accounting to each beneficiary (or obtain a waiver of the need for an accounting from each beneficiary)

File the decedent’s final income tax return, file an estate tax return (if the decedent’s gross assets are greater than $5.49 million (2017)), and file fiduciary income tax returns if the trust earns income before it is distributed to the beneficiaries

Obtain taxpayer identification numbers and open up new bank or brokerage accounts if new trusts are to be created for the benefit of minor, disabled, or other trust beneficiaries

Distribute remaining assets to beneficiaries in a timely fashion.

Do I need an attorney to administer a trust?

As you can see above, there are particular guidelines a successor Trustee must follow in administering a trust. For that reason, a successor Trustee may find that the assistance of a qualified attorney and accountant will help immensely with these (and many other) tasks.

In trust administration, it’s assumed that the Trustee will act properly. However, if a beneficiary believes the Trustee is not complying with the terms of the trust instrument or the law, he always has the option of challenging the Trustee in Court. It is in a successor Trustee’s best interest to consult with an attorney or accountant before taking any action that could be considered unwise or unduly favor one beneficiary over another.

Conversely, a Probate Court assumes the executor will fail to complete the process of paying debts and distributing assets, so nearly each task must be approved by a judge. The process takes longer, but procedures are in place to ensure the executor will act honorably.

Disclaimer: This web page is a resource for educational and informational purposes only and should not take the place of hiring an attorney. Using this web page does not create an Attorney-Client relationship between you and Schlau|Rogers. Individually-tailored legal advice is not provided within this web page. Instead, this web page is designed to make you aware of various legal issues. Your use of this resource is subject to our Terms and Conditions, which you can read here.


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Business Law

What is a Corporation?

A corporation is often times referred to as a "legal person." This is because a corporation is its own legal entity that is separate and distinct from its shareholders (owners). Corporations enjoy most of the rights and responsibilities that an individual possesses, including, but not limited to, taxes; however, a corporation will shelter it's owners and employees from certain risks that an individual cannot always protect against.

What is a General Partnership?

A general partnership consists of two or more persons who agree to go into business with one another and share in the profits and losses. These people are called partners. By default, partners share in profits, losses and responsibilities in managing the business equally. In a general partnership, each general partner assumes full personal liability for the debts and obligations of the partnership.

What is a Limited Partnership?

A limited partnership consists of two or more persons who agree to go into business with one another and share in the profits and losses. A limited partnership differs from a general partnership in that it has at least one general partner and at least one limited partner. The general partner is often involved in the day-to-day operations in one way or another, while the limited partner typically only injects capital into the partnership to allow it operate. Similar to the general partnership, each general partner assumes full personal liability for the debts and obligations of the partnership. However, the limited partner’s liability is limited to their capital investment in the business.

In order to form a limited partnership in California, a certificate of limited partnership must be filed with the California Secretary of State. A limited partnership formed in another state, that does business in California must register with the California Secretary of State prior to conducting business in California.

What is an LLC?

An LLC or Limited Liability Company is a business entity that combines the elements of a partnership and corporation. An LLC owners (members) liability for debts and obligations of the LLC is limited to their capital investment, which means, properly capitalized and operated, an LLC will protect its members from events occurring inside the LLC. In California, certain types professional services businesses (those requiring a state professional license) cannot form an LLC.

As for taxes, all profits and losses "flow through" to LLC members, meaning there is not separate and distinct tax for LLCs. With this "flow-through" taxation, California treats LLCs like partnerships for income tax purposes if it has more than one owner. If there is only one member of the LLC (SMLLC), California will treat it as a "disregarded entity," which means it will be taxed as though it were a sole-proprietorship. This member will want to file a Schedule C for income taxes. A disregarded entity is considered the same entity as the owner for tax purposes, but not for liability purposes.

An LLC is allowed to elect to be taxed as a corporation. To be taxed as a corporation, the LLC files an election on Federal Form 8832, Entity Classification Election, with the Internal Revenue Service. California conforms to this election.

What is a Sole Proprietorship?

A sole proprietorship consists of one individual that is running a business. It is the simplest way to form a new business. This is because there are no formalities required by the state as a sole proprietorship does not have an existence that is separate from its owner. When ownership of the business is divided amongst more than one person, a partnership is created by default.

Do I need a business entity?

It depends. If you're the only person involved in running your business and providing capital, them you may want to stick with a sole proprietorship as there are no formal requirements. Moreover, any debts and obligations of the business will ultimately fall on your shoulders as you are the sole operator even if an LLC were formed. While there are some advantages to creating a corporation and electing under federal law to be taxed under Subchapter S, the advantages may not outweigh the costs. If there a two or more people involved, you may want to consider forming a separate entity to limit liability of owners or members to capital investments.

How do I know whether a Corporation, Partnership or LLC is right for my business?

This is a complicated question as there are many legal and monetary considerations that govern which entity, if any, is right for you. The best way to determine which entity is right for you is to read up on their pros and cons, and then discuss your business with a liccensed professional.

What are self-employment taxes?

Self-employment taxes consist of Social Security and Medicare taxes primarily for individuals who work for themselves. These are the same taxes employers withhold from your paycheck. If you own your business, these taxes are your responsibility and must be paid if either your net earnings from self-employment (excluding church employee income) are $400 or more or you had church employee income of $108.28 or more. Generally, your net earnings from self-employment are subject to the self-employment tax.

How do I set up a California Corporation?

There numerours steps to set up a California corporation. They are generally, the following:

Select a name for your Company.

Create and File Articles of Incorporation (“AOI”) with the Secretary of State.

File IRS Form 2553 (S-Corp Election) if you decide to be taxed under Subchapter S.

Create an Incorporator’s Organizational Action.

Create Bylaws (which will be adopted in the Incorporator’s Organizational Action).

Create Stock Certificates.

Obtain business licensing and insurance.

File a Statement of Information annually.

Depending on the situation, you may need to take it another step further. Other things you might need to do include the following:

Obtain a Fictitious Business Name.

Create a Stock Purchase Agreement.

Create an Intellectual Property Assignment Agreement to ensure Founders assign relevant IP to the Company.

Record any assigned patents and trademarks with the United States Patent and Trademark Office.

Create a Confidential Information & Invention Assignment Agreement.

Create and file a state Securities Exemption Notice (25102(f) in California).

File a 83(b) Election for vesting stock within 30 days of stock purchase.

Create an Indemnification Agreement for Officers and Directors.

How do I set up a California Partnership?

Choose a business name that does not infringe on any other business’ name. File a Fictitious Business Name statement with the county clerk if needed. Draft and execute a Partnership Agreement. Obtain licenses, permits, and zoning clearances. Obtain an Employer Identification Number.

How do I set up a California LLC?

Choose an LLC name that does not infringe on any other business’ name. File a Fictitious Business Name statement with the county clerk if needed. File Articles of Organization. Draft and execute an LLC Operating Agreement. Obtain licenses, permits, and zoning clearances. Obtain an Employer Identification Number. Observe formalities to ensure you hold on to limited liability.

What is a Subchapter S Corporation?

A Subschapter S corporation is a corporation that elects under federal law to be taxed under Subchapter S. Once this election is made, California treats the corporation as a Subchapter S corporation for state income tax purposes. An S corporation offers liability protection to its owners (shareholders). Liability of the for debts and obligations of the business depends on what type of entity the S corporation is (corporation, partnership, or LLC).

An S corporation also enjoys "flow-through" taxation wherein the profits or losses of the S corporation flow through to the shareholders. Therefore, an S corporation does not have to pay a "corporate tax" as a C corporation would. Business that are eligible to make a Subchapter S election include having no more than 75 shareholders and consisting of shareholders that are individuals, estates, certain trusts and partnerships, tax-exempt charitable organizations, and other S corporations (but only if the other S corporation is the sole shareholder).

What is an EIN and do I need one?

An Employer Identification Number (EIN) is a Federal Tax Identification Number, and is like a business entity's social security number. Generally, businesses need an EIN. You need an EIN if you have employees; you operate your business as a corporation or a partnership; you file any of these tax returns: Employment, Excise, or Alcohol, Tobacco and Firearms; you withhold taxes on income, other than wages, paid to a non-resident alien; you have a Keogh plan; you are involved with any of the following types of organizations: Trusts, except certain grantor-owned revocable trusts, IRAs, Exempt Organization Business Income Tax Returns, Estates, Real estate mortgage investment conduits, Non-profit organizations, Farmers' cooperatives or Plan administrators.

How do I dissolve a California Corporation?

If you want to dissolve your corporation, check the applicable Final Return box on the first page of your current year tax return, and write "final" across the top. After you file your return, be sure not to conduct any business in California once the tax year is has ended.

If you are registered with the California Secretary of State, you must also file the appropriate dissolution, surrender, or cancellation forms within 12 months of filing your final tax return.

What is the California LLC Tax?

Like a general partnership, members of an LLC have the right to participate in management of the LLC, and profit or losses "flow through" to its members. This the LLC does not pay income tax; its member are responsbile for taxes. However, LLCs are required to pay the $800 annual tax and a fee, which is commonly referred to as the LLC tax.

What is a Pre-Incorporation Agreement?

Pre-Incorporation Agreements (or Pre-Incorporation Contracts) establish the operations, management, and define who will have control prior to the initial corporate meeting. A pre-incorporation agreement is entered into by corporate promoters, who form the company by filing its Articles of Incorporation. Since the corporation has not been formed yet, it cannot be a party to the agreement. If the corporation is not formed or if it fails to adopt the agreement, the promoters can be held personally liable for any breach of the agreement.

Disclaimer: This web page is a resource for educational and informational purposes only and should not take the place of hiring an attorney. Using this web page does not create an Attorney-Client relationship between you and Schlau|Rogers. Individually-tailored legal advice is not provided within this web page. Instead, this web page is designed to make you aware of various legal issues. Your use of this resource is subject to our Terms and Conditions, which you can read here.


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Other Common Questions

How long does it take to create an estate plan?

Normally, creating an estate plan will take about a month, but there are certain circumstances that would call for longer or shorter time frames. For instance, if you'd like to expedite the process for any reason, like an upcoming trip or a medical procedure, we can work with you. Keep in mind though, these documents are very important and completely customized to your particular needs, so it can take some time to get them just the way you want.

Do you serve clients outside of the Orange County area?

Yes. As our firm is virtual in nature, we're often traveling to clients' homes, meeting at their local Starbucks or communicating entirely over the internet with Skype, Go To Meeting, Facetime and other similar technologies. We know that life often gets in the way of our plans. But our virtual platform allows us to help create your estate plan despite your very busy schedule. It also allows us the opportunity to serve many clients throughout Orange, San Diego, Riverside and Los Angeles counties, while still getting to know our clients and build relationships. If you live in another county in California, we can make that work too. However, you must live in the state of California as our team is only licensed to practice in California.

We are also part of a vast community of experts, many of whom work in other states. If you live outside of California, but would like to team up with an attorney that is part of our network, let us know and we'll make it happen.

How much does an estate plan cost?

We know that people are often concerned about fees when working with a lawyer, especially if those fees are billed by the hour. That's understandable. But nearly all of our fees are flat for estate planning. When we get started, we'll lay out the cost to you upfront so there are no surprises down the road. We've also developed a simple three step process to enhance your experience (which you read a little more about here). It starts with a Free Consultation, then proceeds with a Design Meeting, and ends with a Signing Ceremony. That's it. While you can certainly find lower cost options, we believe our costs are more than reasonable as we provide a personalized experience for each client and deliver a streamlined, efficient planning process to create You Smarter Estate Plan.™

Can I do this all myself?

Technically, yes, you can. However, and that's a big however, there is so much risk associated with handling your estate planning yourself; and the worst part is you likely won't know if you've messed things up until it's too late. In our minds, the savings isn't worth the risk - it's like stepping over a dollar to save a penny; just doesn't make sense right?

Typically, do-it-yourself websites, and software programs or extremely low-cost estate planning offerings online really only provide the most basic, generic documents. And you're not exactly getting one-on-one attention or individually-tailored advice. With an attorney, you'll get that advice, along with a robust set of documents that will stand up against life's journeys. When you're planning for your familys future, it's important you get it right. Without a lawyer, there’s no telling what you'll end up with.

What can I expect at my Strategy Session?

In your Strategy Session, you should expect to spend some time discussing your goals and concerns. This meeting is important because it allows us to get to know one another, and you're able to get a general idea of what to expect from the estate planning process as it relates to your particular circumstances. After this meeting, you'll receive further information regarding what your plan will cost. After the meeting, we'll be ready to get started on your plan and eventually arrive at solutions through open and transparent dialogue.

Disclaimer: This web page is a resource for educational and informational purposes only and should not take the place of hiring an attorney. Using this web page does not create an Attorney-Client relationship between you and Schlau|Rogers. Individually-tailored legal advice is not provided within this web page. Instead, this web page is designed to make you aware of various legal issues. Your use of this resource is subject to our Terms and Conditions, which you can read here.


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