After initially delaying a rule intended to prevent financial advisers from steering their clients to bad retirement investments, the Department of Labor (DOL) allowed the rule to go into effect on June 9, 2017, but its future is still unclear. Earlier this year, an executive order was issued delaying the so-called “fiduciary rule,” the first part of which was scheduled to go into effect in April 2017, and calling for a review. The DOL is still reviewing the rule and can still make [...]


Each day about 1,000 U.S. citizens visit the emergency room for treatment related to a dog bite injury.1 For pit bulls or other dangerous breeds, one in six bites requires medical attention. In the last ten years, dangerous dogs have killed over 200 Americans and have accounted for roughly two-thirds of total recorded animal related injuries.2 Indeed, a 2012 study concluded that more than 27,000 people underwent facial reconstructive surgery in that year alone as a result of being [...]


Four Provisions People Forget to Include in Their Estate Plan Even if you've created an estate plan, are you sure you included everything you need to? There are certain provisions that people often forget to put in in a will or estate plan that can have a big impact on your family.1. Alternate BeneficiariesOne of the most important things your estate plan should include is at least one alternative beneficiary in case the named beneficiary does not outlive you or is unable to claim under the [...]


For better or for worse, our current culture is very car-dependant; in many places, cars are the only convenient link to the outside world. Unfortunately, as people age, driving can become more difficult and more dangerous. The elderly drive less, but have more crashes per mile than younger drivers. This is partially because elderly individuals are more likely to be affected by poor eyesight, chronic disease, and medications that might impair driving. States vary widely on how they treat older [...]


The phrase "life estate" often comes up in discussions of estate and Medicaid planning, but what exactly does it mean? A life estate is a form of joint ownership that allows one person to remain in a house until his or her death, when it passes to the other owner. Life estates can be used to avoid probate and to give a house to children without giving up the ability to live in it. They also can play an important role in Medicaid planning. In a life estate, two or more people [...]


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