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Recent Blog Posts


Why You Should Consider Creating a Revocable Trust

By William Rambaum, PA |

Deciding which type of estate plan will best address one’s concerns and goals, as well as the needs of his/her family, is the hardest aspect of planning for the future. Numerous options are available to address a wide variety of needs – so many, in fact, that it is very easy to become overwhelmed… Read More »


Special Considerations for Leaving Heirs Timeshares

By William Rambaum, PA |

Having a place to escape for a few weeks a year is the primary allure of timeshares. Most people cannot afford to buy a vacation home, but the relative cost of buying an interest in a timeshare is much lower, and thus, more accessible to the average person. This property interest must be factored… Read More »


Timing and Effective Asset Protection

By William Rambaum, PA |

Asset protection is not something most people generally think about until a problem arises. The problem with this approach, though, is that once claims are made against a company or individual, the options for limiting exposure are quite constrained, and the financial consequences dire. Irrevocable trusts are one method of protecting assets from lawsuits… Read More »


Will Your Estate Owe Money to Medicaid?

By William Rambaum, PA |

Receiving financial assistance for long-term care in a nursing home from the state and federal governments is the only way many seniors can afford to stay at these facilities. The cost of nursing home care rises on an annual basis at a pace that far outstrips the ability of most people to pay for… Read More »


Choosing How to Pass on Your Financial Accounts

By William Rambaum, PA |

In today’s world, it is not uncommon for an individual to own a number of different financial accounts – all with varying rules on when a secondary person may be added or how to pass on the funds contained within it after death. Quick access to cash for the numerous expenses associated with death… Read More »


Identifying and Taking Steps to Prevent Elder Financial Exploitation

By William Rambaum, PA |

Growing older brings many life adjustments, some easier to accept than others, but one priority that remains for most seniors in this country is the ability to manage and control their finances. Losing the power to determine when and how one’s money will be spent is a significant blow to a person’s independence, and… Read More »


Florida Lags in Providing Level of Services Seniors Need

By William Rambaum, PA |

Estate planning and long-term medical care are usually the farthest thoughts from people’s minds as they enjoy the holidays. But this time of year offers an opportunity, that is frequently unavailable the rest of the year, to observe and assess the health and potential future needs of older family members. Health issues of aging… Read More »


Estate Planning Considerations for Florida “Snowbirds”

By William Rambaum, PA |

Escaping cold winters to relocate to the milder climate of Florida is a goal of many older Americans living in northern half of the country. Splitting significant periods of time between two residences, particularly if property is owned in both, can have important implications on a person’s estate plan. A number of states in… Read More »


Cleaning Finances to Assist the Estate Planning Process

By William Rambaum, PA |

While the end of one’s life can come at any time, most people have some forewarning of this event, and can prepare for it. One integral aspect of transitioning a family through the death process is the creation of an estate plan that will direct them how to handle a loved one’s affairs after… Read More »


How Trusts Can Serve a Number of Asset Protection Goals

By William Rambaum, PA |

No one wants to see their hard-earned money and property used to pay off creditor claims, a risk both personally and for potential heirs. Asset protection measures can mitigate this risk.  While transferring assets for the express purpose of thwarting a pending creditor’s claim may be ineffective, it is possible to use asset planning… Read More »

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