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Recent Blog Posts


Addressing the Needs of Someone with Dementia

By William Rambaum, PA |

As a person grows older, there comes the inevitable worry of what to do if Alzheimer’s or other forms of dementia take away one’s ability to make sound decisions and carry out daily tasks. Unfortunately, no one knows when or if this tragic situation will manifest, and it may arise before an individual has… Read More »


The Pros and Cons of Probate

By William Rambaum, PA |

When friends and family learn someone is thinking about an estate plan, it is not uncommon to hear a lot of conflicting advice. Some people will say an estate plan is unnecessary and not worth the expense. Others will argue in favor of either setting up a trust or just sticking with a will…. Read More »


The Role of Digital Assets in Your Estate Plan

By William Rambaum, PA |

Digital technology is a part of daily life for everyone, even those that did not grow up using it, or perhaps even contemplating its existence. In fact, digital technology is so pervasive in modern society that it is now an integral part of any comprehensive estate plan. If a person thinks about it, some… Read More »


Why Single Seniors Are Most in Need of an Estate Plan

By William Rambaum, PA |

As a person enters his/her retirement years, unexpected and significant shifts in his/her social circles, both core and extended, occur more often than many people think. Moving to a new place, the death of a spouse, and divorce are all issues that can drastically alter a person’s support system and financial resources. In this… Read More »


Are Trusts a Good Way to Overcome Medicaid Income Limits?

By William Rambaum, PA |

Many people will prepare a comprehensive estate plan as well as essential medical documents, but overlook the importance of preparing for the possibility of long-term nursing home care. The average daily cost for nursing home care in Florida is now $293.33, or approximately $8,800 per month. The Medicaid Institutional Care Program (ICP) can be… Read More »


Medical Decisions and the Incapacitated Patient

By William Rambaum, PA |

The need for advanced planning by seniors concerning end-of-life medical intervention and decision-making authority as part of a comprehensive estate plan can never be overemphasized. No one wants to face a situation where there is no clear authority on who is to make decisions on medical care and the extent of medical care an… Read More »


Estate Planning Strategies for Second Marriages

By William Rambaum, PA |

Remarriage in the later years of life is not as uncommon as it once was. As people are living longer and healthier lives, people are more willing to enter into new marriages post-retirement. While this situation is great personally, it can create issues from an estate planning perspective. Children born in the first marriage… Read More »


When Medicaid Planning and Asset Protection Goes Wrong

By William Rambaum, PA |

With people generally living longer, healthier lives, distant from established family and friends, many do not have a support system in place in the event of a serious medical situation.   Unfortunately, seniors are often lured by mailings and advertisements related to financial planning and long-term care planning, frequently sent by insurance agents, Medicaid planners,… Read More »


Using a Trust to Protect Assets and Paying for Nursing Home Care

By William Rambaum, PA |

The autonomy individuals enjoy as adults is easy to take for granted, but if someone is concerned about retaining control over their life and living situation into their later years, advanced asset protection planning is needed. Finances are a concern for almost everyone, and making sure there is enough money to cover medical and… Read More »


Ways to Maximize an Estate Plan

By William Rambaum, PA |

Setting up an effective estate plan is a common concern people have, especially as they get older. But the need to plan is at least as important for younger persons with children. Understandably, people want to preserve some portion of their property to help those who matter most to them. Certainly, a primary purpose… Read More »

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