Picture this: You and your spouse spend decades building a successful business, accumulating assets, and creating a stable life for your family. You think you’ve done everything right with your estate planning. Then tragedy strikes, and a simple paperwork error costs your children $1.5 million in taxes they never should have owed.
If your child has an IEP or 504 Plan, you’ve already taken an important step to support their education. But what about their needs outside the classroom? Educational accommodations only cover part of the picture. To truly protect your child with special needs—now and into adulthood—you need more than just a school plan. You need a Life & Legacy Plan that ensures their financial, legal, and medical needs are met in the way that supports their independence and long-term care.
I had an interesting conversation with a potential client last week. After explaining our Life & Legacy Planning® process, she said, “This all sounds great, but my friend told me I can get a trust done for half the price somewhere else.”
Labor Day has always been about honoring the American worker—the people who build our communities, power our economy, and create the foundation of our society. But this year, as we fire up our grills and enjoy that long weekend, there’s an elephant in the room that deserves our attention.
When wrestling legend Hulk Hogan died at age 71, the world lost an icon. But behind the headlines about his estimated $25 million estate and decades of wrestling fame lies a heartbreaking family story that offers powerful lessons for anyone with people they love.
Play Beyond Back-to-School Prep: Why Parents of Children with Special Needs Must Prioritize Self-Care | PFL ® AI-generated audio 10:51 The back-to-school commercials are everywhere, showing excited children picking out new backpacks and parents cheerfully organizing supplies. But if you’re a parent of a child with special needs, the approach of a new school year might trigger something entirely different—anxiety, dread, or even physical symptoms that feel overwhelming. You’re not imagining it, and you’re not alone.
Play Why Estate Documents Fail: The Hidden Truth About Traditional Estate Planning | PFL® AI-generated audio 8:05 You hired a lawyer, signed your estate planning documents, and filed them safely away. Or maybe your financial advisor created your documents, or you might have done them yourself online, for free using AI. You think your work is done. But then you die, and your loved ones are left battling court delays, family conflict, and financial loss.
Play “It Has Been Such a Good Life”: The Legacy Your Loved Ones Need | PFL® AI-generated audio 7:57 When Anna Harp lost her father, Rudolph Clausing, she didn’t get to say goodbye. It was January 2021, during the height of the COVID-19 pandemic. Her dad had been battling lung disease when he contracted the virus, and strict hospital protocols meant his family couldn’t be by his side in his final days. Anna was just 27. Her father was 66. And in an instant, he was gone.