If you are planning your estate, you might be asking a common question: "If I already have a trust, do I still need a Lady Bird Deed?" The short answer is: It’s not always one or the other.  While both tools are designed to help your loved ones avoid the headaches of probate, attorneys often suggest utilizing the two of them together for maximum protection and efficiency. Quick Answer: The Strategy A Lady Bird Deed (available in Texas, Vermont, Michigan, West Virginia, and Fl

Quick Summary:   Many Florida seniors are shocked to be denied Medicaid even when their monthly income is low. If you live in Florida and receive less than $2,000 a month in Social Security but were still denied, the issue is likely not your income—it is your assets. Here is what you need to know about the "hidden" limits that trigger a denial. If you are disabled, over 65, and living on a fixed income, receiving a denial letter from Florida Medicaid can be confusing and stre

Quick Summary:   Many Florida residents assume listing a "Transfer on Death" (TOD) or "Payable on Death" (POD) beneficiary protects their accounts from probate. However, if your financial institution merges or transfers your account to a new company, the original beneficiary paperwork can get lost. Without written confirmation from the new institution, your heirs may be forced into probate even if your monthly statements list them as beneficiaries. We are noticing an alarming