1. Not taking advantage of the federal and state benefits for nursing home care.

  2. Transfer on death (T.O.D.) has resulted in substantial loss to certain beneficiaries. For example T.O.D to three children: one dies, leaving grandchildren. These grandchildren are disinherited by T.O.D.

  3. Estates being dragged out. We settle most estates in three months or less (leaving enough in the account to cover unexpected bills).