201909.26
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What seniors should know about debt collection – part one of two

This two-part article takes a look at what seniors should know about debt collection. Americans are going further and further into the red. Experian Information Solutions reports that consumer debt in the United States reached $13 trillion in the fourth quarter of 2018. Helping to comprise that total debt are credit card debt at $834…

201908.29
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Getting your pre-disability affairs in order

No one ever plans to be sick or disabled, yet it does happen. While seniors comprise the majority of disabled people in the United States, working-aged adults are not immune to the risk of becoming disabled permanently or temporarily. According to the Council for Disability Awareness, 5.6 percent of working Americans will experience a short-term…

201906.24
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Choosing a Long-Term Care Facility

The choice of a long-term care facility is challenging, but chances are very good that you, along with many Americans will someday be faced with the need to find such a facility for themselves or a loved one. How many Americans make are required to find a long-term care facility you ask? According to the…

201904.30
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Wills v. Trusts – Do you know the difference?

So, you are advancing in age and you know you owe your family members the duty of establishing an estate plan with a professional. Good for you. In some instances, the realization that estate plans are necessary comes too late such as when an unexpected death occurs. In those instances, the intestacy succession laws found…

201903.19
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Alcohol abuse among seniors – a growing trend

The United States and alcohol consumption go hand in hand. Throughout the history of our great country, Americans have struggled to find a healthy balance between reasonable alcohol consumption and the over indulgence of intoxicating beverages. Our forefathers, seeking a new life in America, brought with them a culture of alcohol consumption, and sometimes alcohol…

201902.22
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Should Seniors Create a Written Contract When Paying Relatives for Elder Care?

According to the State of Missouri’s Office of Administration, our state’s elderly population has increased more consistently and proportionately than any other age group. While Missouri residents age 65 and over represented only 10% of the population in 1950, by 2030 the Office of Administration predicts their numbers will represent more than 20% of all…

201801.18
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Understanding Property Taxes in Missouri

Think your taxes are too high?  There is one tax you can appeal in Missouri…the property tax.  Our firm represents clients in several states each year to reduce their property tax burden.  While most other taxes are strictly imposed upon taxpayers, Missouri provides for an appeal procedure when property owners believe their county assessor has…

201510.13
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Long-Term Care Insurance

Long-Term Care Insurance, (hereinafter, “LTCI”), is thought by many professionals to be an important component of a well-designed financial plan.  Like other insurance, it is purported to insure you against certain events; more specifically, the depletion of retirement savings and income, and the loss of choice and independent decision making when long-term illness or disability…

201504.28
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Why Create a Durable Power of Attorney for Financial Decisions?

The Missouri Durable Power of Attorney Law is set forth in Chapter 404.700 through 404.735 of the Missouri Revised Statutes.  A power of attorney is a legal document wherein you voluntarily, and with informed consent, and in the presence of witnesses, give another person powers to address your property and finances.  Although you may select multiple parties to…

201504.17
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Attorney, Todd Miller speaks at 2015 Financial Expo

Jefferson City, Missouri attorney, Todd Miller will speak at a FREE event at the Lake next Saturday 4/25/15. 2015 Financial Expo at Columbia College, 900 College Blvd., Osage Beach, MO 65065. Speakers include Todd Miller, Law Office of Todd Miller; Eldon Becker, CPA, Evers & Company; Keith Taylor, CPA, Evers & Company; Bill LaCasse, SRG…