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    <lastmod>2022-02-16</lastmod>
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      <image:title>Estate Planning</image:title>
      <image:caption>Develop an Estate Plan That Meets Your Needs. Each family is unique. An estate plan should reflect that reality - instead of being a fill-in-the-blank form or a cookie cutter set of instructions.  Our estate plans will be based on your individual situation and goals, allowing you to protect your assets and pass on your wealth, wisdom, and values to your loved ones in the most efficient and cost-effective way possible. When you work with us, you can be confident that your estate plan will be current, take advantage of the latest planning opportunities, minimize taxes, and address your goals using an approach that makes sense for you. Our estate planning process starts with a free consultation, where we will listen to you, offer insight into how we can help, and explain exactly how much it will cost to put together an estate plan. If you choose to hire our law firm, we will take the time to understand your concerns, your family dynamics, and your goals for your family’s future. Whether you are looking to create your estate plan for the first time, or to update your existing plan, we can help you create a comprehensive and personalized estate plan. We will give you peace of mind that your wishes will be followed.  Contact us today to begin planning for your future.</image:caption>
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      <image:title>Estate Planning - What can be included in an Estate Plan?</image:title>
      <image:caption>Although everyone’s plan is different, typically, an estate plan includes a Will, Durable Financial Power of Attorney, Health Care Power of Attorney, a Living Will and a Kids Safety System (if you have minor kids) to document your wishes. Depending upon your situation, an estate plan may include: Wills Trusts Asset Protection Planning Charitable Giving Transferring Real Estate Prenuptial or Postnuptial Agreements Business Succession Planning Durable Financial Power of Attorney Health Care Power of Attorney Living Will/Advanced Health Care Directive Naming a Guardian for your Children Kids Safety System Special Needs Planning</image:caption>
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    <loc>https://www.raffertylegal.com/estate-administration</loc>
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    <lastmod>2022-01-21</lastmod>
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      <image:title>Estate Administration</image:title>
      <image:caption>Below are some of the most common services that we provide as part of the probate/estate administration process: Identification, collection, and determination of values of assets Payment of all debts, expenses, and taxes from estate and trust assets Advice as to the disposition of jointly held assets, life insurance, and retirement benefits Transfer of real estate Preparation of state inheritance tax returns Notifying all heirs and beneficiaries of the trust or estate Communicating with beneficiaries If you are a beneficiary of an estate, an executor, or a trustee, contact us for support in handling the transition of your loved ones assets as easily as possible. Our primary objective is to make this process as easy as possible for you and to keep your family out of court and out of conflict.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/601b4fc9e83c0b6ba8b200a7/1618363167782-HFXQQ98H19QD9H0TMN2E/IMG_1371.JPG</image:loc>
      <image:title>Estate Administration</image:title>
      <image:caption>A Will - or Last Will and Testament - is a legal document that outlines how an individual’s assets will be divided after their death. It also specifies a person to manage this process, known as the executor or administrator. Administering a Will through probate may seem straightforward, but it is often a complex and lengthy process. Probate is the legal process of administering an estate, and resolving all claims to assets and property. The probate process occurs whether a person dies with a Will or without one (intestate). If a person had an estate plan, probate involves validating the Will and interpreting the intent and instructions contained within it. If a person dies without a W`ill, then probate requires following Pennsylvania law on intestate succession. Probate involves not only the distribution of an estate, but also the resolution of any creditor claims, assignment of an executor or administrator, and preparing and filing the inheritance tax return. The process works on behalf of heirs and other parties who may have claims against the estate. Most of us have heard stories from friends or family members about the difficulties they encountered while navigating the probate process. The experience is often made harder because the executor is often a loved one dealing with their own grief along with these new responsibilities. Managing family conflict is often another challenge for the executor of an estate. To learn more about how our law office can help you through the probate process, call us at 724-520-2222 or click below to schedule your free initial consultation.</image:caption>
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    <lastmod>2022-01-21</lastmod>
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      <image:title>Elder Law</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/601b4fc9e83c0b6ba8b200a7/1625527730594-5N9WCNXWLSCDU18OQH8C/elder+care+hands.png</image:loc>
      <image:title>Elder Law - How do you protect your assets from Medicaid? Gifts and annuities – For a single, unmarried person, a popular solution is to gift about half of your assets, then use the other half to buy a Medicaid-qualified immediate annuity. This annuity can be used to pay for care until you qualify for Medicaid. Spousal annuity – Married couples can protect assets from the cost of care for the ill spouse with a Medicaid-qualified annuity. Personal care agreement – By paying for care to a caregiver under a written agreement, Medicaid would not consider that transfer of value to have been a gift. Exempt transfers – Assets transferred to certain recipients – like a spouse, disabled child, or trust for a disabled child – will not prevent you from qualify for Medicaid. Click here for some Frequently Asked Questions (FAQs), or schedule a consultation to discuss your particular situation.</image:title>
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      <image:title>About Dennis - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/601b4fc9e83c0b6ba8b200a7/1637287532672-F3CFTG0G5D6RMW11KE2L/Website+-+Dad.png</image:loc>
      <image:title>About Dennis - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/601b4fc9e83c0b6ba8b200a7/db7fb283-5ea4-4185-b337-b6385e4f7d99/Rafferty%2BLaw%2BFree%2BGuides%2B%281%29+%281%29.png</image:loc>
      <image:title>About Dennis</image:title>
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  </url>
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