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Topic: estate-planning

Should You Leave an Inheritance in Trust for Adult Children?

Should You Leave an Inheritance in Trust for Adult Children?

By Tammy Silvas September 15, 2026

Doctors, lawyers, and business owners face risks when they inherit outright. Learn when a trust for adult children can better protect family wealth over time.

You Can’t Work for 6 Months. Here’s What Your Business Needs

You Can’t Work for 6 Months. Here’s What Your Business Needs

By Tammy Silvas September 7, 2026

Business owner disability insurance is one part of the plan. Use this six-month test to protect payroll, household income, legal authority, and cash flow. You wake up after surgery and reach for your phone. Your spouse stops you. The doctor…

You Have Life Insurance. Here’s What Your Family Actually Needs.

You Have Life Insurance. Here’s What Your Family Actually Needs.

By Tammy Silvas September 7, 2026

A life insurance beneficiary review can reveal outdated names, minor beneficiaries, and trust conflicts before they disrupt the future your family needs. You bought the policy when your first child was born. You chose an amount that felt en…

Small Business Legal Checklist: What to Review as You Grow

Small Business Legal Checklist: What to Review as You Grow

By Tammy Silvas August 31, 2026

Your business has grown. Use this small business legal checklist to review the legal, insurance, financial, and tax systems supporting what comes next. In January, you had two contractors and a manageable client list. By August, you have an…

Your Trust Could Reach the 37% Tax Bracket at Just $16,000

Your Trust Could Reach the 37% Tax Bracket at Just $16,000

By Tammy Silvas August 31, 2026

A SECURE Act IRA trust can reach the 37% federal tax bracket at just over $16,000 in 2026. Here's what families with retirement accounts should review. You did the work. You saved for retirement, signed a trust, and named beneficiaries beca…

Living Well through the Four Stages of Retirement

Living Well through the Four Stages of Retirement

By Tammy Silvas August 25, 2026

Creating Your Best Life even as Independence Changes Most retirement planning begins with a familiar picture: stop working, enjoy more freedom, travel, spend time with family and make sure your savings last. This is important planning, but…

What Happens to Your Business When You Die Without a Plan?

What Happens to Your Business When You Die Without a Plan?

By Tammy Silvas August 24, 2026

A will won't keep your business running. Here's what business owners actually need: buy-sell agreements, incapacity plans, and coordinated LIFT coverage. You've put years into your business. You've built the client relationships, hired the…

You Made a Will. Here’s What It Can’t Do.

You Made a Will. Here’s What It Can’t Do.

By Tammy Silvas August 24, 2026

Making a will is step one. Here's what most families miss after they sign, and what actually protects the people you love. You did it. Maybe Make-A-Will Month finally moved it to the top of your list. Maybe you've been meaning to get this d…

Retirement Road: Are you prepared for the Downshift?

Retirement Road: Are you prepared for the Downshift?

By Tammy Silvas August 19, 2026

Your Financial Plan May Prepare You for Independent Retirement. But Does It Prepare You for Aging? Most retirement planning answers familiar questions: How much should we save? When can we retire? How should investments be managed? Who rece…

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