Tom LaVoie
2025 Annual Gift Tax Exclusion: Why Giving Now Can Be Smarter Than Waiting
When people think about estate planning, the focus is usually on what happens after death—wills,...
Long-Term Care Planning: Protecting Assets While Getting the Care You Need
As the population ages and healthcare costs continue to rise, more families are facing difficult...
Red Flags of Financial Elder Abuse (with a 10-Question Self-Test)
What is Financial Elder Abuse? Financial elder abuse (or financial exploitation of older adults) happens...
Myths & Facts About Professional Fiduciaries
Myths & Facts About Professional Fiduciaries (California 2025 Edition)Separating rumor from reality so you can...
Building a ‘Grab-and-Go’ Financial Binder for Emergencies
A 60-minute project that can save months of chaos when disaster—or sudden hospitalization—strikes. Why every...
Trust vs Will Whats the Difference and Why It Matters in California
When Californians ask whether they “just need a will,” the real question is how easily—and...
How a Revocable Living Trust Actually Avoids Probate
Skip the year-long court slog and five-figure statutory fees—here’s the play-by-play of what a properly...
Dynasty Family Trusts Protecting Wealth for Multiple Generations
A dynasty trust lets today’s dollars work for your great-grandchildren—while sidestepping probate, estate tax “sunsetâ€...
