Providing for Your Pet’s Future Without You

The Humane Society of the United States has an excellent guide to providing for pets in estate plans. A link to their guide is shown below.


Knowing that pets usually have shorter lifespans than humans, you
may have planned for your animal friend's passing. But what if you are
the one who becomes ill or incapacitated, or who dies first? As a
responsible pet owner, you provide your pet with food and water,
shelter, veterinary care, and love. To ensure that your beloved pet
will continue to receive this if  something unexpected were to happen
to you, it's critical to plan ahead.

Learn what steps you can take to plan and provide for your pet's future without you by following the links below.

NOTE: The following information is intended to provide a general
overview and to stimulate your thinking about providing for your pet in
the event of your incapacity or death. It is not intended to provide
legal advice and is definitely not a substitute for consulting a local
attorney of your choosing who is familiar both with the laws of your
state and with your personal circumstances and needs, and those of your

Pets in Estate Plans Fact Sheet

SOURCE: Humane Society of the United States

Telling your kids about your divorce? Avoid these mistakes.

Rosalind Sedacca has some great information I wanted to share with
you as my readers:

Getting psyched up to tell your children about your pending divorce

or separation? Not sure what to say? When to say it? How to
say it? What to
expect after the conversation? What to do next?
How do deal with your special
circumstances? What therapists,
mediators, attorneys, clergy and other
professionals suggest you do
and don't do to make things better all around?
Well, you're not
Having the "divorce talk" with a child you love is one of the
conversations you'll ever have. Shouldn't you be prepared?
Professionals all agree on some of the most common mistakes parents
when bringing up divorce or separation. These include:
* asking children to bear the weight of making decisions or
* failing to remind children that none of this is in any way
* forgetting to emphasize that Mom and Dad will still always be
Mom and Dad — even after divorce!
* confiding adult details to children in order to attract
allegiance or sympathy
* neglecting to repeatedly remind children that they are safe,
and very much loved
* failing to explain clearly that everything is going to be okay.
These are just some of the most common messages that parents fail
convey because they're just not prepared — and most probably
If you're about to tackle this tough conversation — or you know
who is — there's finally help you can depend on to
simplify the process. I
just completed writing How Do I Tell the
Kids about the Divorce? A
Create-a-Storybook Guide(TM) that
Prepares Your Children — with Love!
It provides an innovative
new concept I created, based on my own
life experience. And, most
importantly, it works!
To learn more about this new therapist-, attorney- and
guidebook for parents, click on the link below.
You'll get the whole story of
how the easy-to-use template works,
how you and your children will benefit
from this personalized family
storybook approach — and much more. Most
important of all, this
simple guidebook doesn't just tell you what to say —
it says it
for you! So you're sure to do it right, for the sake of your
Click here to learn more …

Rosalind Sedacca is a writer, an award-winning professional speaker,
and Certified Corporate Trainer specializing in both communication and
relationship issues. She has facilitated workshops and seminars
throughout the United States and beyond on creating 'conscious'
relationships for both singles and couples. Based on her own personal
experience, her new book How Do I Tell the Kids about the Divorce? A Create-a-Storybook Guide to Preparing Your Children – with Love!
provides an innovative and professionally acclaimed new approach to
breaking the divorce news to your children. Rosalind's Child-Centered
Divorce Network provides resources that help parents create successful
outcomes for the entire family for years and decades to come.


Attention Divorcing
Join experts Lisa Decker,
Rosalind Sedacca,
a powerful and informative teleseminar filled with great tips and advice on:
Secrets of Creating a Successful Child-Centered
Don't you wish there was a way to move on while creating a
positive outcome for everyone in the family?  There can be!  Divorce doesn't
have to scar your children.


Teleseminar event:                                          Right-click here to download pictures. To help protect your privacy, Outlook prevented automatic download of this picture from the Internet.
divorce and children


Wednesday, June 24th, 2009
7:00 pm Eastern
Standard Time


Divorce can be complex and frustrating on its
. When you add innocent children to the mix, you must be extremely
careful to safeguard everyone's physical, emotional and psychological
On this call, Lisa will be interviewing Rosalind Sedacca, CCT,
Founder of the Child-Centered Divorce Network, as she helps you resolve the
day-to-day challenges of parenting through divorce. You'll discover the pitfalls
to avoid, the path to peaceful resolution, resources available to you, proven
success strategies and more.

Register here…

Contact Rosalind if you have any registration problems:


Money Matters: Don’t avoid estate planning

people think of estate planning as simply drawing up a will or perhaps
creating a trust, but there's much more to it than that. An estate plan
shouldn't be limited to simply providing for the disposition of your
property after your death. The term "estate planning" itself can be
intimidating, particularly for those who are not wealthy. Somehow the
word "estate" implies that such planning is only for people who have
vast sums of money. Everyone needs an estate plan, but it doesn't have
to be complicated.

Over the years I've
learned that many people avoid estate planning because they don't want
to think about such unpleasant occurrences as premature death or
serious disability. They don't think they are being selfish, but they
usually don't realize that the absence of proper planning might create
unnecessary burdens on their families. Others prepare the requisite
documents, but fail to keep them current. Just this week I was reminded
of the importance of regular reviews.

Monday morning a man called me about his wife, who is not expected to
live more than another few weeks. Her cancer treatments have been
unsuccessful, and her health is declining at a rapidly accelerating

In the process of reviewing their
information, I uncovered a partially completed estate plan. The wife
has a proper will, but no power of attorney or health care directive.
Her attorney recalls drafting those documents, but she never signed
them and the attorney never followed up with her. She owns an annuity
with a beneficiary designation that hasn't been updated since before
her marriage. The people she listed on the original form were friends
she hasn't been in contact with for several years.

it's not too late to fix the broken plan, but it's going to require
quick action, and the realization that these oversights might have gone
unnoticed has added more stress to an already tragic situation. I don't
look forward to taking documents to the dying woman for her signature.

common estate planning misconception is that you don't need a will if
you're married and your home and financial accounts are owned jointly.
Many people also don't realize that beneficiary designations override
instructions in a will or trust document. For example, your will can
say that everything you own should be left to your spouse, but if you
have an old life insurance policy that names your brother as your
beneficiary, your brother will inherit the policy proceeds.

easy to be confused about estate planning, and errors can be
devastating. For these reasons you should consult with an attorney who
specializes in estate planning. If you need assistance locating a
competent attorney in your area, two valuable resources to check are
the National Academy of Elder Law Attorneys ( or the
National Association of Estate Planners and Councils

you already have an estate plan or if you're planning to work on the
project soon, don't assume you're finished after you've signed your
documents. If assets need to be re-titled, be sure to do so. Review
your documents and the beneficiary designations on your insurance
policies, annuities and retirement accounts regularly, to be sure they
continue to reflect your current circumstances and wishes. Start to
think about estate planning as an ongoing process that optimizes the
management of your assets during your lifetime, provides for the
administration of your affairs if you are unable to do so for yourself,
maximizes opportunities to save taxes, and leaves instructions for
when, how and to whom to leave your assets after your death.

Morgillo is a Certified Financial Planner and president of Morgillo
Financial Management Inc. She has offices in Portsmouth and North
Andover, Mass., and can be reached at

Wall Street Journal says “If you have assets, use a trust”

Thanks to Portland, Oregon, estate planning attorney and fellow Personal Family Lawyer Candice Aiston for the following post which appeared in her Oregon Estate Planning Blog this week:

Stacey L. Bradford has put out "The Wall Street Journal Financial
Guide for Parents." In it, she talks about how many parents should
be setting up trusts. The only thing I would add is that when you seek
out an attorney to do this, you should make sure that you are working
with one who is going to keep up with you throughout your lifetime, so
that you can be sure that your trust is always going to work for you.
Ask the attorney whether they offer a free plan review (at least every
3 years) and whether they have a membership program for ongoing legal
needs. We see many trusts fail because of little issues that could have
been prevented with better client service and communication. (Actually,
here is a good article about choosing an estate planning attorney.)

You can read the WSJ article here.

And here is the video interview of the author:

Six Major Mistakes To Avoid When Choosing An Estate Planning Attorney

Dear Friend,


Forgive me for being a bit blunt in
this special report I’ve prepared for you.


Having worked with families for
years, I’ve discovered that what you really want is to have a caring
professional “shoot straight” with you when it comes to your legal
and financial matters.


So, I’m dispensing with the
“legalese” during this short report and I’ll give you the simple, unvarnished


Sound good?


Did you know that many families
“fly in the dark” when r
it comes to securing the financial future of
their loved ones? It’s sad, but true.


As a Personal Family Lawyer®, it truly breaks my heart when I hear the
(countless) stories of families becoming embroiled in legal battles over money during
the most painful times in their lives
, simply because they never found a
trusted advisor to help them get their affairs in order.

already taken the first step towards shedding real light on your family’s
future by requesting this free report and further–you’re about to discover how
you can cut through “lawyer talk” and avoid the costly mistakes made by so many
when choosing a lawyer for their family’s legal planning needs.

Get your FREE special report by filling in the box below: