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Digital Estate Planning – It’s Time to Plan for your Digital Assets

In the year and a half since I last wrote about planning for digital assets not much has changed in Massachusetts.  Our state is still one of a handful of states that has not enacted the Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA), although there is a bill pending in the Massachusetts legislature […]

5 Considerations If You Plan to Move to A Continuing Care Retirement Community

You may be asking yourself “What is a Continuing Care Retirement Community?” A Continuing Care Retirement Community (CCRC) is a community that consists of graduated levels of residential and health care options to accommodate elders who are looking to downsize but remain independent and ensure that their health care needs are met as they “age […]

Tax Time is Estate Planning Check-up Time

In February, you’ll get tax forms – use them as an estate planning checklist for reviewing beneficiary designations. By February 15, financial institutions will have sent you all the forms needed for your tax returns.  This nifty pile can help you review your beneficiary designations to make sure they are up-to-date. Beneficiary designations determine how […]

When Love Stinks – Five Ways Divorce Impacts your Estate Plan

The approach of Valentine’s Day and the recent announcement by Jeff Bezos, founder of Amazon, that he and his wife are ending their marriage after 25 years, set me thinking about how divorce impacts a person’s estate plan (especially in high net worth couples).  Here are five ways that divorce can impact an estate plan […]

January 2019 Newsletter

News from Samuel, Sayward & Baler LLC for January 2019  includes the articles: Five Answers to Your Questions about Using Trusts to Save Estate Taxes, GETTING ORGANIZED in 2019, Ask SSB, Retirement Account Caution: Change in Firm or Provider Requires Confirmation of Beneficiaries, and What’s New at Samuel, Sayward & Baler LLC.

Retirement Account Caution: Change in Firm or Provider Requires Confirmation of Beneficiaries

Here is something to be aware of if you have IRA, 401(k), 403(b) or other retirement account.  At Samuel, Sayward & Baler  we are careful to advise you about how to designate the beneficiaries of your retirement accounts consistent with your estate plan.  In some cases, customized beneficiary designations are required to ensure these accounts […]


Q:        It’s likely that my mom will need to go into a nursing home soon.  She does not have a lot of money but she still owns her home.  Will we need to sell her house to pay for her care? A:        As with all long-term care matters, your question is more complicated than it […]


By Steven Joshua Samuel JD, MBA, AIF® Is “getting organized” in 2019 on your list of New Year’s resolutions? It is on my list of resolutions, so, for starters, I created a checklist of health, legal and money issues. I hope you find it helpful! Health Don’t assume that your Primary Care physician will keep […]

Benefitting Charities Under Your Will – When is it Better to Give?

I recently read an article about a man in Washington who donated more than $11 million to several charities after his death via his Will.  It got me thinking about charitable giving and legacy planning, and when it’s a good idea to consider naming one or more charities as the recipients (beneficiaries) of your estate […]