As a Minnesota trust lawyer, I've seen how storms in life can come in all shapes and sizes—health crises, divorce, or the loss of a loved one. And of course, there are the literal storms: hurricanes, floods, and fires that can damage property and uproot lives. In recent months, you may have seen social media posts claiming that insurance companies won't pay out a total loss if your home is owned by a trust. While it's true insurers are more frequently scrutinizing claims, that doesn't mean your coverage is automatically void. Understanding the Trust-Insurance ConnectionWhen you place property into a trust,…

We often picture healthcare decisions as something that only comes up in a hospital setting, but the truth is, these choices deserve your attention long before a crisis arises. As a Minnesota estate planning attorney, I've seen how advance planning can make a world of difference for both individuals and their families during challenging times. The Power of Being ProactiveThink about it: If you couldn't speak for yourself tomorrow, would your loved ones know your healthcare wishes? Would they have the legal authority to help carry them out? Without proper planning, families often find themselves struggling with difficult decisions while simultaneously…

Families with a child on the autism spectrum often experience a stark change when that child reaches age 18, a transition sometimes referred to as the "autism cliff." Many of the supportive services relied on during childhood, such as specialized education programs, may shift or end altogether in adulthood. This can leave parents concerned about how to maintain consistent care and ensure their child's ongoing well-being. Understanding the Transition ChallengeAs a Minnesota special needs planning attorney, I've guided many families through this critical transition. The challenges can be significant: educational support services typically end, healthcare coordination may change, and parents' legal…

As a Minnesota estate lawyer, one of the most common misconceptions I hear from clients is that having a will means their loved ones can avoid probate. Unfortunately, this isn't the case. Let's dive into why wills and probate go hand in hand, and what this means for your estate planning. Think of Your Will as a Letter to the CourtImagine your will as a detailed letter to the probate court. While it clearly expresses your wishes, the court still needs to "open" this letter and officially validate its contents before your assets can be distributed. This is what we call…

One of the most frequent questions I hear as a Minnesota trust lawyer is, "Is my estate large enough to justify a living trust?" Behind this question often lies a deeper concern: "Am I making the right choice for my family's future?" Let me share something that might surprise you – the size of your estate is just one small piece of a much larger picture.Beyond the Numbers Here's the surprising truth: there's no minimum estate value required for a living trust. While some might suggest arbitrary numbers like $100,000 or even $500,000, these thresholds miss the bigger picture. The real…