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Estate planning after a Divorce

So, you’ve gone through a divorce (and it’s probably taken an emotional toll) and you are thankful that the process is over….or is it?  Prior to your divorce, you and your spouse may have taken the time to do your estate planning.  Or perhaps you had listed your spouse as beneficiary on your life insurance and/or retirement plans?  Well, what happens after a divorce? 
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The New Florida Durable Power of Attorney statute

Among the new laws which the Florida legislature passed this session were substantial changes to the Durable Power of Attorney Statute.  A durable power of attorney (DPOA) is a document in which you appoint someone to legally act on your behalf.  Essentially, your agent steps into your shoes to handle your affairs.  Currently, DPOA’s can take effect immediately or they can be “springing” meaning
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Need Long Term Care? Use your home equity

For many seniors the equity in their home is their largest single asset, yet it is unavailable to use unless they use a home equity loan. But a conventional loan really doesn’t free up the equity because the money has to be paid back with interest. A reverse mortgage is a risk-free way of tapping into home equity without creating monthly payments and without
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“The September of My Years”

Before attaining 70 1/2, you should review all of your Florida estate planning documents along with those describing financial and retirement benefit planning.  Because the age of 70 1/2 has been magically designated by the Congress of the United States and the Internal Revenue Code as a lock-up date for certain types of tax-deferred compensation plans, it is imperative that all persons within a year
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