Most individuals today understand the critical importance of saving for retirement. We were lectured about it by our parents, we stress it to our children, and we discuss it with our employers and financial advisors. Fewer individuals, however, understand the extremely complicated rules and regulations which govern their retirement assets.
I recently received a series of postcards inviting me to an “Elder Law Update”, strongly suggesting that I need to have a Living Trust. In addition to the seminar, I was invited to stay for a free lunch.
Often times these solicitations come from “trust mills”. These companies are referred to as “trust mills” because they turn out a high volume of cookie-cutter Living Trusts. Sometimes they charge clients for the Living Trusts, other times they offer the Living Trusts for free. However, as an unwitting consumer will soon find out, low cost or “free” estate planning documents are not really “free”.
The most serious problem with trust mills is their ultimate objective. That is, to obtain an individual’s financial information so that its sales persons can sell unneeded annuities and related investments to unsuspecting individuals, most likely to the elderly and vulnerable adults.
Pets have become family members to many of us and often we want to insure that if something were to happen to us, they would be cared for in the manner in which they have become accustomed to.
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