Adulting 101: Your Living Will

You may have heard people speak of a “living will” and wondered what they are talking about. A living will is also called an advance health care directive. But, no matter what you call it, every adult needs a legal document that tells your loved ones and doctors the medical care you want if you cannot make those decisions yourself.

Your living will outlines the procedures, medications, and treatments you want or do not want to prolong your life when you cannot make those decisions for yourself. Additionally, it can address if and when you want life support removed and whether you want hydration and nutrition supplied if that is the only thing keeping you alive. If these decisions need to be made and you haven’t provided specific instructions, decisions will be made, and they may not be the decisions that you would have chosen.

Don’t confuse a “living will” with a “last will.” A “last will” sets forth what happens to your property and wealth after you die. A living will sets forth what medical treatment you want while alive.

A healthcare or medical power of attorney is another part of advanced healthcare directives. The healthcare power of attorney is the legal document that names who will make the healthcare decisions for you. Simply put, a medical power of attorney names those who can make medical decisions in the event of your incapacity, while a living will explains what medical care you want.

A living will is a vital part of every adult’s estate plan, as it can ensure your medical treatment is handled exactly the way you want if you cannot communicate. Without a living will, your loved ones are left to make difficult decisions which can result in conflict, stress, and guilt.

We all know that unforeseen illness or injury could strike at any time. Don’t wait to plan. We can assist you to ensure your medical treatment and end-of-life care is tailored to suit your unique needs and wishes and provide counseling and guidance in decision-making.

5 Loving Things To Do For The Ones You Love

5 Loving Things To Do For The Ones You Love

It’s a new year, which means a new chance to do what you’ve been putting off until the time is right. That time is now. Here are 5 of the most loving things you can do for the people you love in the New Year because, at some point, you will become sick or die. And while we don’t like to think about it, the best way not to need to think about it is to plan well.  Then, you can put it out of your mind and live your life as if every day is your last.

The Five Most Loving Things You Can Do For The People You Love In The New Year:

1. Make a Plan. Having a will, a trust, a power of attorney, a health care directive, and, if you have kids, a Children’s Protection Plan is vitally important so you don’t leave your family in a mess and having to deal with an expensive court process overseen by a judge who doesn’t know (or really care) about you or your family. Without a plan in place, you are planning to fail! Don’t do that to your loved ones.

2. Write a letter or record a CD. Pass on what really matters to your family — your values, insights, stories, and experience — in written or recorded form so they can return to you long after you are gone. There are many ways you can save special memories for those you will leave behind one day.

3. Pay for and plan your funeral. Cremated or buried? Ashes or body where? Yes or no to a viewing? Make these decisions now and let your loved ones know, in writing, so they don’t have to worry and wonder. And have the payment arrangements for your funeral expenses handled so they don’t have to scramble and pay for the arrangements at a time when they are overwhelmed with grief.

4. Plan to pay no taxes. Will there be taxes on your estate, and if so, how will your heirs pay them? Meet with your personal and trusted attorney to be sure there are no surprises with estate taxes or other costs, especially if there’s insurance involved. You don’t have to be rich to think about this.

5. Get organized. Let loved ones know where they can find your legal documents, other important paperwork, and the key to your safe deposit box. Be sure to include all of your password information to access online accounts, including email, Facebook, and other regularly accessed computer programs.

‘Tis the Season

Beware of Holiday Scammers

‘Tis the season for fall leaves, first snowfalls, hot apple cider, and holiday cheer. For most of us, the holidays are full of giving, getting, and goodwill. 

But we must also realize that the holidays are the time of year when scammers are out in droves. Unfortunately, not only is the number of scammers multiplying each year, but scammers have also become more and more adept at creating new scams to rip you off both in person and online. 

Thousands of people become victims of holiday scams each year. The numbers are staggering. Consumers lost $770 Million to scams that originated on social media in 2021. Non-payment or non-delivery scams cost people more than $337 million, and credit card fraud accounted for another $173 million in losses. That is a large chunk of change! Not only is it the hard-earned money you can lose, but scammers can rob you of your identity and personal information and ruin your festive mood.

When shopping online this holiday season—or any time of year—always be aware of deals that seem too good to be true. Do your part to avoid becoming a scammer’s next victim! 

Tips to Avoid Holiday Scams

Whether you’re the buyer or the seller, there are a number of ways you can protect yourself—and your wallet.

PROTECT YOUR PERSONAL INFO. It’s easy to hit a button and “Buy” from anyone anywhere on your phone or laptop. However, be sure you’re not sharing personal or credit card information over public Wi-Fi. Only “BUY” when you are on a secure network.

DON’T CLICK. Don’t click on just any links or attachments in emails, websites, or social media. Phishing scams and similar crimes offer a link to click on whereby you give up some personal information like your name, password, and bank account number. You may unknowingly download malware to your device with just a few link clicks. 

GIFT CARDS. Yes, gift cards are a convenient holiday gift, but they also open the door to several scams. Gift cards are for gifts, not for payments. If someone asks you to pay them with a gift card, that’s a scam. Gift cards are popular with scammers because they’re easy for people to find and buy. They also have fewer protections for buyers compared to some other payment options. They’re more like cash: once a scammer has the gift card number and the PIN, they have your money. 

If you are going to use gift cards, stick to stores you know and trust. Avoid buying from online auction sites because the cards may be fake or stolen. 

Check out your gift card before you buy it. To ensure your gift card is protected, avoid the rack and ask for one directly from the counter. Make sure the protective stickers are on the card and that they do not appear to have been tampered with. Also, check that the PIN on the back isn’t showing. Get a different card if you spot a problem. And always keep your receipt with the card’s ID number on it, as that will allow you to file a report if your gift card goes missing.  

TOO GOOD TO BE TRUE DEALS. There may appear to be deals galore over the holidays, and many are on social media – but not all of them are legitimate. Carefully read reviews, look for security credentials on websites, and research unfamiliar retailers before you take advantage of a deal or discount. If it is too good to be true, it probably is. 

BEWARE OF PORCH PIRATES. When you’re expecting packages over the holidays, shippers will often provide us with updates on the status of our orders. Knowing this, scammers will send phishing emails pretending to be from companies like FedEx and UPS to lure us to phony web pages and get us to share personal information. So, look closely at delivery notifications and email updates before you click on links or input information. And remember, UPS and FedEx won’t ask for personal information via email.

DON’T RESPOND TO REQUESTS FOR UPDATES. Be especially wary if a company asks you to update your password or account information. Look up the company’s phone number on your own and call the company.

ROBOCALLS. The robocall scams continue. I’ve had two calls this year that appeared to be from a utility company. Lucky for me, the caller didn’t realize that I was going to interrogate him more aggressively before he was going to get information from me. Those calls appeared legit on my phone, and identified the call as the phone number for the utility company. Otherwise, I would never have picked up the calls in the first place. The caller attempted to tell me a past-due utility bill had been overlooked. I started asking very detailed questions to which the utility company would have the answers. I did report the calls to the utility company, and they enlightened me to the fact that scammers can now disguise their call and have it appear that it is the actual telephone number of the company itself. 

The bottom line is don’t answer the phone if you don’t recognize the number. Scammers often use this time of year to call and solicit donations for fake charities. Don’t ever agree to donate to a charity or buy anything over the phone without first looking into the organization.

 As we move into the holiday season, remember that we can all be targeted by unscrupulous persons. The best thing you can do to protect yourself is to be AWARE of the newest scams out there and verify the identity of the person or organization to be sure they are legit. Don’t be afraid to ask lots of questions, pause, think, and hang up if any red flags arise. 

5 Ways to Ensure Your LLC is Doing What It Is Meant to Do

Many business owners operate their business as a limited liability company (LLC) due to the personal liability protection an LLC allows. Owners of rental properties also use LLC entities to protect their assets. Why? Because they are smart and because LLCs are not required to adhere to the burdensome formalities and administrative hassles required of corporations.

However, whether you are a full-fledged business or in the business of protecting real estate or other assets, make sure you do it right. Unfortunately, many LLC owners fail to abide by basic operational guidelines and therefore put their assets in DANGER. If you want to maintain an LLC’s personal liability protection, be sure to adhere to the basic operational details.

What Happens If You Don’t Dot the I’s and Cross the T’s?

If you fail to do the basics in operating your LLC, a court can remove the personal liability protection barrier that shields your personal assets WITH A STROKE OF THE PEN! They call is “piercing the veil!” Once the veil is pierced, you and ALL your assets become vulnerable as you are personally liable.

So, what is a savvy owner to do? By implementing and adhering to the following best practices, you can help ensure your company stays in compliance and that your personal assets have the maximum protection possible.

1. Create an Operating Agreement

I hear from LLC owners that an Operating Agreement is not legally required in Colorado. Although that is technically true, it does not mean that it is a smart practice not to have an Operating Agreement. Just because the law does not “require” something doesn’t mean it is not vital or important. Having an Operating Agreement in place provides the essential legal guidelines and framework for how your company will be run and clearly establishes your business as a legal entity separate and apart from you as a person. 

You will be glad you have an Operating Agreement with the protection it provides when your creditors, the IRS, or other people that want a piece of your pie, come calling. We can help you create a robust operating agreement that suits the specific needs and circumstances of your particular business.

2. Conduct All Business in The Company’s Name

All business should be conducted in the company’s name. Your company name is the complete business name, including the limited-liability abbreviation (LLC). And do not forget that you never, ever, ever, ever sign a legal agreement in your name. Every legal agreement and every financial transaction should be signed in the name of your LLC. All business material, including business cards, correspondence, invoices, advertising, websites, and social media, should also use the LLC to identify your company. Otherwise, someone can claim that they didn’t know he was dealing with an LLC, sue you, and seek to get into your personal assets.

3. Keep Your Company Banking Separate. Never Mix Personal and Business Funds

As part of setting up an LLC, we obtain an employer identification number (EIN) for you so that you may set up a bank account in the LLC’s name. Your business account should be used for ALL company transactions, including major and everyday purchases. And, it goes without saying that ALL payments to the business should always be made to the company account. Company funds should never be used to pay your personal bills. Commingling personal and business assets are one of the main reasons courts “pierce the veil” of an LLC’s liability protection. For this reason, keeping your company’s finances separate from your own is a top priority. 

4. File Regular Reports With The State

Nearly all states require LLCs to file regular reports annually. In Colorado, the annual report is filed with the Colorado Secretary of State and keeps that governing agency apprised of key information and changes to your company’s status. As a business owner, you must ensure that your company’s information is up to date.

5. Hold Regular Member Meetings & Keep Minutes

This is another area where business owners fail, as they have “heard” that LLCs don’t need to have meetings or document what is occurring. While it is true that there may not be a specific law or legal requirement that LLCs hold meetings and keep minutes, these are important for several reasons.

In addition to protecting your personal assets from liability, holding regular meetings with accurate minutes provides strong evidence that your LLC is real and observes the formalities necessary to be treated as a legal entity separate and apart from you personally.

Combined with your operating agreement, regular reports to the state, and diligent separation of personal and business finances, such meetings offer extra protection if creditors ever seek to pierce your corporate veil. Holding regular meetings and keeping detailed minutes makes good business sense, especially for multi-member LLCs. For instance, regular meetings facilitate consensus among members when making major decisions, keep members informed of business actions, and provide a forum to plan for your company’s future.

Meeting minutes also provide a clear record of member discussions, votes, and decisions, which can help reduce member disputes and conflict. Plus, keeping detailed minutes provides solid documentation of your company’s operations should the IRS or courts ever request such records.

We’ve Got Your Back

As your lawyer, we are here to support and assist you with setting up your LLC and teaching you how best to adhere to the necessary formalities. Protection from liability is what we do, whether that be through creating an LLC or a trust. Our brightest clients have both. Do you know why? It is to ensure the maximum level of liability protection is in place. Contact us today to learn more.

Mind The Gap(s)

Did you know that August is “National Make-A-Will Month?” If you have already prepared your will, congratulations! You have taken the first step in the estate planning process. Also, you are in the minority according to Caring.com’s 2022 Wills and Estate Planning Study, which found only 33% of Americans have created their will. Where I see the most significant gaps in people’s knowledge is that they don’t understand what a will does not do. With this in mind, let’s look at three things that having a will —WILL NOT— do for you and your loved ones regarding estate planning.

Here are a few examples of what a will does not do.

  1. As a parent, your most important role in life is to protect your children now and in the future. Most people think naming a guardian for their children in their will is sufficient. What they don’t realize is that your will only comes into effect when you die. By naming guardians for your minor children in your will, that ONLY works to name a guardian if you are dead. A will is not effective to name guardians if you are temporarily unavailable because you were in an accident or are hospitalized, and it leaves your children vulnerable to being taken into child services and the care of strangers if something happens to you. Unfortunately, this gap may exist in your estate plan even if you’ve worked with another lawyer to create your will. Why? Because many lawyers have not been trained on what’s necessary to ensure the well-being and care of minor children if your children need care and you are alive but unable to look after your children. That is why we offer a comprehensive system we call our Children’s Protection Plan, included with every estate plan we prepare for families with children.
  2. Having a will, does not keep your assets or your loved ones out of court. In fact, your will is the one document that tells the judge what you want and will become a public record in the probate process, where your will takes center stage. Unbeknownst to most people, a will only allows you to provide for the distribution of certain types of assets—typically, a will only covers assets owned solely in your name. Many other types of assets are not covered or affected by your will at all. I commonly see people who think that “all” of their assets have been planned for under their will, only to be (unpleasantly) surprised to find out this is not the case and that their planning is full of gaps.
  3. A will does not leave you or your loved ones in charge. A will leaves the local probate judge in charge. Court rules will dictate the process by which your assets will be managed, how creditors are notified, the timing of when all debts and claims are settled and paid (including your final income taxes), and finally, hopefully no more than 9 months later (but it can be longer) how your remaining assets are distributed.

As you can see here, having a will in place is a small but important first step in your estate plan. What is even more important is knowing what a will does and does not do as it has some gaps. But that doesn’t mean you should go without one. Without a will, you would have no say in who inherits your assets when you die, and everything you own is left up to the laws in the state where you are a legal resident. But even worse, your loved ones that survive will be the ones who must clean up the mess you’ve left behind. You should see your will as an important first step in the estate planning process—one that works best when integrated with a variety of other legal vehicles, such as trusts, powers of attorney, and advanced healthcare directives.

4 Major Advantages of a Trust

advantages-of-a-Trust

Wills and trusts are both estate planning documents used to pass your wealth and property to your loved ones upon your death. However, trusts come with some distinct advantages over wills that you should consider when creating your plan.

That said, when comparing the two planning tools, you won’t necessarily have to choose between one or the other—most plans include both. Indeed, a will is a foundational part of every person’s estate plan, but you may want to combine your will with a living trust to avoid the blind spots inherent in wills.

Here are four reasons you might want to consider adding a trust to your estate plan:

1. Avoidance of probate

One of the primary advantages a living trust has over a will is that a living trust does not have to go through probate. Probate is the court process through which assets left in your will are distributed to your heirs upon your death.

During probate, the court oversees your will’s administration, ensuring your property is distributed according to your wishes, with automatic supervision to handle any disputes. Probate proceedings can drag out for months or even years. Your family will likely have to hire an attorney to represent them, resulting in costly legal fees that can drain your estate.

Bottom line: If your estate plan consists of a will alone, your family is guaranteed to go to court if you become incapacitated or when you die.

However, if your assets are titled properly in the name of your living trust, your family could avoid court altogether. Assets held in a trust pass directly to your loved ones upon your death, without the need for any court intervention whatsoever. This can save your loved ones major time, money, and stress while dealing with the aftermath of your death.

2. Privacy

Probate is not only costly and time-consuming, it’s also public. Once in probate, your will becomes part of the public record. This means anyone who’s interested can see: the contents of your estate, who your beneficiaries are, as well as, what and how much your loved ones inherit, making them tempting targets for frauds and scammers.

Using a living trust, the distribution of your assets can happen in the privacy of our office. So the contents and terms of your trust remain completely private. The only instance in which your trust would become open to the public is if someone challenges the document in court.

3. A plan for incapacity

A will only governs the distribution of your assets upon your death. It offers zero protection if you become incapacitated and are unable to make decisions about your own medical, financial, and legal needs. If you become incapacitated with only a will in place, your family will have to petition the court to appoint a guardian to handle your affairs.

Like probate, guardianship proceedings can be extremely costly, time-consuming, and emotional for your loved ones. Plus, there’s always the possibility that the court could appoint a family member you’d never want making such critical decisions on your behalf. The court might even select a professional guardian, putting a total stranger in control of just about every aspect of your life.

A living trust includes provisions that appoint someone of your choosing—not the court’s—to handle your assets if you’re unable to do so. Combined with a well-drafted medical power of attorney and living will, a trust can keep your family out of court and conflict in the event of your incapacity.

4. Enhanced control over asset distribution

A trust offers more control when it comes to distributing assets to your heirs. It can specify when and how your heirs will receive your assets after your death.

For example, you could stipulate in the trust’s terms that the assets can only be distributed upon certain life events, such as the completion of college or purchase of a home. Or you might spread out the distribution of assets over your beneficiaries’ lifetime, releasing a percentage of the assets at different ages or life stages.

In this way, you can help prevent your beneficiaries from blowing through their inheritance all at once and offer incentives for them to demonstrate responsible behavior. Plus, as long as the assets are held in trust, they’re protected from the beneficiaries’ creditors, lawsuits, and divorce, which is something else wills don’t provide.

If you do not want a living trust, you can use a testamentary trust to establish trusts in your will. A testamentary trust will not keep your family out of court, but it can allow you to control how and when your heirs receive your assets after your death.

An informed decision

The best way for you to determine whether or not your estate plan should include a living trust, a testamentary trust, or no trust at all is to meet with an estate attorney for a Family Wealth Planning Session. During this process, we’ll take you through an analysis of your personal assets, your family dynamics, what’s most important to you, and what will happen for your loved ones when you become incapacitated or die.

Sitting down with an estate attorney to discuss your family’s planning needs will empower you to feel 100% confident that you have the right combination of planning solutions in place for your family’s unique circumstances. Schedule your appointment today to get started.

The Most Important Legal and Financial Actions You Can Take Right Now

Not Business As Usual

What we have learned over the past 3 weeks is that the COVID-19 pandemic means nothing is normal. There is NO business as usual. Finally, state after state has implemented a “shelter-in-place” order in an attempt to limit the spread of the disease; still every day we come across people and populations who are not following the mandate.

Once you have attended to your needs, the needs of your children and your parents’ immediate needs, it will be time to consider more long term precautions.

In this time of stress and chaos, many people continue to be resistant to talking about estate planning. It may feel too pessimistic to plan for the worst in the midst of a scary situation. However, that’s exactly why it’s the most important time to do so. Plus, since hopefully, you are staying inside, you now have the time to get these tasks taken care of.

Here are actions you can, and should, take to ensure you and your family are protected both legally and financially.

Update Your Health Care Documents

Above all, you first need to ensure that both you and your parents have advance care directives. This will be an invaluable reference point for those who are assisting you, whether they be friends, family, or medical professionals. This directive should include instructions on your preferred methods of care and the contact information for each of your doctors.

Review and Update Who Speaks for You When You are Unable to Speak for Yourself

You must also clearly state who will be in charge of handling your affairs in the event of your death or incapacity. Even if you have done this already, I urge you to take out any existing documents now and review them. Have your circumstances changed? Do you have additions to make? Encourage your parents to do the same thing, and to communicate with you about what their directives say.

Here’s an article to read, and share with your parents (AND ADULT KIDS, if you have them) on the 3 parts of a Health Care Directive, and the 5 things you want to look for in your Health Care Directive right now, to ensure it’s up to date for COVID-19.

If you are unsure whether your Health Care Directive is in ship-shape, call us, as your Personal Family Lawyer®, to take an expert look at them.

Create a “Personal Resource Map”—an Inventory of Everything That Matters

You might think that only the very rich need to worry about making specific plans for their assets. But not so fast. Do you have investments or a retirement account? Physical things like jewelry, musical instruments, or furniture? What about crypto? Or even social media accounts? In the event of your incapacity or death, your family members won’t know where to look for what you have, or how to access it, unless you’ve planned for that ahead of time.

Somewhere between 49 and 80 billion dollars are currently unclaimed, or unable to be claimed, by family members of people who have passed away. This is money that individuals may have forgotten they had, or that they made no provisions to pass on to their family after they died. That’s why it’s extra important that you create a “personal resource map” to tell your loved ones where everything is and how they should move forward according to your wishes.

To help you make your own personal resource map, and to help your parents make theirs, you can go to http://www.personalresourcemap.com/ or call us direct and we’ll walk you through it.

Wisely Maximize Your Access To and Use of Credit

Financial experts often recommend a rainy day savings account, and it seems that the rainy day has come. Whether or not you have sizable savings, you should also maximize your access to credit. Getting approved for a higher credit line is good to do sooner rather than later. If you find yourself in a position where you need money quickly (to afford a medical expense, for instance), you don’t want to be scrambling to pay the bill.

Some people might balk at the idea of applying for more personal credit, particularly people who are afraid of debt. Think of it, however, as a worst-case precaution. You can get approved for credit even if you have a decent amount of savings—just as a backup. If you need reassurance, or if you need some help encouraging your parents to get approved for a higher credit line, you can contact us to walk you through your options.

Remember that it’s never an inappropriate time to plan for the future. It’s also always a good time to ask for legal and financial help. #WereAllInThisTogether and we’re here to support you, virtually now, as well, even when nothing is normal. We can take care of you, and your family, fully online. Call us, we’re here.

This article is a service of Cris Carter Law, Personal Family Lawyer®. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That’s why we offer a Family Wealth Planning Session™, during which you will get more financially organized than you’ve ever been before, and make all the best choices for the people you love. You can begin by calling our office today to schedule a Family Wealth Planning Session and mention this article to find out how to get this $500 session at no charge. Or, schedule online here.

Light in the Darkness

Light in the Darkness, Time for Emergence and Growth

“It is precisely because we resist the darkness in ourselves that we miss the depths of the loveliness, beauty, brilliance, creativity, and joy that lie at our core.” ― Thomas Moore

April is usually a sign that spring is here. A time of emergence and growth. Yet we find ourselves confined in our homes. Unable to see the ones we love. Separated by something we cannot see. Something we cannot touch. Feeling numb, hidden, unseen.

April also symbolizes the process of coming into view. Becoming. What was hidden is exposed after being concealed. The process of coming into being. April provides the gust that spring needs to bloom and flourish.

Perhaps what we are living through, the stillness, is giving us the opportunity to sit, listen, and see. Listen to what our soul has been trying to tell us. Look and see the things that we have buried behind the busyness of life. It is a time for us to look at the things in our life that we have been putting on hold.

Whatever you do, don’t assume all is lost. We have heard many times that it is never too early to plan for your future. However, the sooner you can have an estate plan in place, the better it is for you and your family. If there is one thing that we have learned from the Corona Virus is that nothing is certain. It may never be too early to plan, but it can be too late.

If you do not have ANY estate plan at all before something happens to you, whether that be a serious illness or death, your family will end up in court and the court will choose the people that will handle tying up all the loose ends. How your estate gets distributed will be based upon the general laws in effect. Depending on your family structure, it may or may not be what you would have chosen for your loved ones. If you only have a Last Will and Testament and (not a Trust), your estate will also wind its’ way through the court system.

Going to court is expensive and the money pair for court and lawyers comes straight out of the pockets of those loved ones left behind. And of course, the time and energy it takes for your loved ones to deal with the court process, may be way more stress than they can manage at a delicate time. Only an estate plan with a trust will keep your loved ones out of court, confusion, and conflict.

During this pandemic, we want to make sure you and your family are taken care of. We have gone to virtual meetings to ensure you still have access to our services whenever you need them. We want to help you make informed and empowered decisions and feel protected in times of need. It is all about making sure your plan works for you and the people you love.

At Cris Carter Law, we have gone virtual to protect you and your loved ones. Just like the promise of growth and bounty that comes after planting seeds in the spring, planning your legacy now, promises protection for your loved ones when you are gone.

It isn’t comfortable or easy to talk about the necessity of planning. Yet what planning has to offer your loved ones is far deeper and greater than any discomfort.

At Cris Carter Law, we are here for you. We want to know you. We want to know what matters to you. Together we spend time and focus on what is most important to you and your family. We will guide you as we create the estate plan that aligns with your objectives and will be there for your family when they need it the most. Call us today to set up your virtual appointment.

Our hope is that you will look for the light in the darkness. The light that will teach us a new way to care. A new way to laugh. A new way to love. A new way to live. The darkness prepares us for what is to come. Together, we hope for a new tomorrow.

“During the dark night, there is no choice but to surrender control, give in to unknowing, and stop and listen to whatever signals of wisdom might come along. It’s a time of enforced retreat and perhaps unwilling withdrawal. The dark night is more than a learning experience; it’s a profound initiation into a realm that nothing in the culture, so preoccupied with external concerns and material success, prepares you for.” ― Thomas Moore

This article is a service of Cris Carter Law, the attorney with a heart. We don’t just draft documents; we guide you to make informed and empowered decisions about life and death, for yourself and the people you love so that your estate plan works when it needs to. Call today and schedule a Family Wealth Planning Session.