Planning for Long-Term Care: What You Need to Know
sjoiner • November 22, 2022
You might end up needing care at some point in your life.
And the costs of long-term care can be staggering: A recent study by The Pew Charitable Trusts found that nursing home costs alone averaged $83,720 per year. By planning for long-term care now, however, you can take control of your future and protect yourself from financial hardship down the road.
Here's what you need to know about preparing for long-term healthcare needs:
The odds that you'll need long-term care are higher than you think. In fact, one in four people will need long-term care at some point in their lives. The risk is only heightened with age: 1 in 2 people over the age of 85 will need long-term care.
Because of how common it is and how expensive it can be, planning for this type of coverage should be part of every American's financial strategy—and yet many don't know how to go about doing so.
Long-term care refers to the services and support that you may need if you have a chronic illness or disability.
It can help with activities such as bathing, dressing, eating, and getting around.
Long-term care is often an important consideration when planning for retirement. Long-term care insurance helps pay for some or all of your long-term care expenses if they're needed while you're alive. However, there are many other things to consider when planning for long-term needs before reaching age 65.
Most people require long-term care in their own homes, but it can also be provided in an assisted living facility, a nursing home or in a hospital.
Home health care is another option for those who are not medically stable enough to leave their homes. If you are receiving home healthcare services and it is determined that you need long-term support, you may be eligible for Medicaid funding for nursing home placement.
Long-term care tends to be expensive, but there are options to help pay for it.
Medicaid is a government program that provides health care coverage to certain people who meet specific criteria related to income, assets, and living arrangements. The federal government sets the rules for Medicaid eligibility and payment rates for long-term care services.
Long-term care planning helps you take control of your future, but it's not something to tackle alone.
When you plan for long-term care, you're taking charge of your future. You can't do it alone, though. It's important that you have a plan and talk to an expert about what works best for you and your family.
If you're caring for an elderly parent or loved one, it's important to understand the basics of long-term care planning so that you won't be caught off guard in the future. The most important part of long-term care planning is a comprehensive assessment of your situation by an expert who understands how insurance works and can help you make informed decisions about coverage options.
Discussing your concerns and goals with a trusted expert can help prepare yourself and your family members for any situation that comes up in life—even if it doesn't involve long-term care!
When you have questions about your loved ones future with long-term care planning, contact our firm at Nash Law Firm. We'll be happy to discuss your options with you.
A will is essential for distributing assets, but a letter of instruction can provide the practical guidance your family needs during difficult times. What Is a Letter of Instruction? A letter of instruction is an informal document that outlines important details, such as: Funeral preferences Passwords for digital accounts Instructions for managing specific assets How to Write One Start by listing the key information your family will need. Be clear and concise. While not legally binding, this document can reduce stress for your loved ones. When to Update It Review and update your letter of instruction whenever there’s a significant life event, such as a marriage, birth, or move. Add Personal Touches Consider including personal messages or advice for your loved ones. This can provide comfort and guidance during challenging times. Start Planning Today Nash Law Firm can help you incorporate letters of instruction into your comprehensive estate plan. Contact us for a free consultation to get started. DISCLAIMER: The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user, or browser; the Nash Law Firm does not recommend or endorse the contents of the third-party sites. Readers of this website should contact their attorney to obtain advice with respect to any particular legal matter. No reader, user, or browser of this site should act or refrain from acting on the basis of information on this site without first seeking legal advice from counsel in the relevant jurisdiction. Only your individual attorney can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client relationship between the reader, user, or browser and website authors, contributors, or Nash Law Firm.
An ethical will isn’t a legal document, but it can be one of the most meaningful components of your estate plan. Ethical wills allow you to pass down your values, life lessons, and personal stories to future generations. What Is an Ethical Will? An ethical will is a letter or video where you share insights, values, or family history. It’s a way to leave behind a deeper legacy that goes beyond material possessions. How to Create One Start by reflecting on the messages you want to convey. What lessons or values are most important to you? Share specific stories or experiences that highlight these themes. Why They Matter Ethical wills foster connections and provide a source of guidance and inspiration for your loved ones. While they don’t hold legal weight, they can complement your formal estate plan by providing personal context. Make Your Legacy Count At Nash Law Firm, we’re here to help you leave a legacy that reflects your values and priorities. Contact us for a free consultation to discuss ethical wills and other estate planning tools. DISCLAIMER: The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user, or browser; the Nash Law Firm does not recommend or endorse the contents of the third-party sites. Readers of this website should contact their attorney to obtain advice with respect to any particular legal matter. No reader, user, or browser of this site should act or refrain from acting on the basis of information on this site without first seeking legal advice from counsel in the relevant jurisdiction. Only your individual attorney can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client relationship between the reader, user, or browser and website authors, contributors, or Nash Law Firm.
Technology is revolutionizing nearly every aspect of life, and estate planning is no exception. From digital wills to blockchain-secured asset transfers, advancements are making the process more accessible and efficient. Digital Wills and Documents Digital wills allow users to create and store estate planning documents online. While convenient, these tools still require compliance with state-specific laws. Some states, including Arkansas, have not yet fully embraced digital will legislation, making it essential to consult a legal expert. AI-Powered Estate Tools Artificial intelligence tools can analyze your financial situation and recommend estate planning strategies. While useful, they can’t replace the nuanced advice of a professional attorney who understands your unique needs. Blockchain for Asset Transfers Blockchain technology offers secure and transparent ways to manage and transfer assets, reducing fraud and errors. While promising, the legal infrastructure for blockchain-based estate planning is still evolving. Balance Innovation with Expertise Embracing technology doesn’t mean forgoing professional guidance. Nash Law Firm stays ahead of industry trends to offer cutting-edge estate planning solutions tailored to your needs. Contact us today for a free consultation. DISCLAIMER: The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user, or browser; the Nash Law Firm does not recommend or endorse the contents of the third-party sites. Readers of this website should contact their attorney to obtain advice with respect to any particular legal matter. No reader, user, or browser of this site should act or refrain from acting on the basis of information on this site without first seeking legal advice from counsel in the relevant jurisdiction. Only your individual attorney can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client relationship between the reader, user, or browser and website authors, contributors, or Nash Law Firm.
A health crisis can strike without warning, leaving families scrambling to make decisions. Having a comprehensive estate plan in place ensures that you and your loved ones are protected when the unexpected happens. Step 1: Update Key Documents If you don’t already have a will, healthcare directive, or power of attorney, now is the time to act. These documents allow you to designate decision-makers for medical and financial matters and outline your preferences for end-of-life care. If you already have an estate plan, review it to ensure it reflects your current wishes and circumstances. Step 2: Communicate with Loved Ones Discuss your estate plan with your family and chosen representatives. Clear communication reduces the risk of misunderstandings or conflicts later. Ensure they understand your wishes and know where to find important documents. Step 3: Seek Professional Guidance Working with an experienced attorney during a health crisis can provide peace of mind. They’ll help you navigate legal complexities and ensure all documents are legally binding. Don’t Wait for the Unexpected Planning ahead is the best way to safeguard your future. Nash Law Firm’s compassionate team is ready to help you create or update your estate plan. Contact us for a free consultation. DISCLAIMER: The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user, or browser; the Nash Law Firm does not recommend or endorse the contents of the third-party sites. Readers of this website should contact their attorney to obtain advice with respect to any particular legal matter. No reader, user, or browser of this site should act or refrain from acting on the basis of information on this site without first seeking legal advice from counsel in the relevant jurisdiction. Only your individual attorney can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client relationship between the reader, user, or browser and website authors, contributors, or Nash Law Firm.
Start the new year off right by taking a proactive step toward securing your future and protecting your loved ones. Nash Law Firm is thrilled to announce our first Estate Planning Seminar of 2025 , designed to provide practical insights and valuable tools for creating a comprehensive plan. Join us on Thursday, January 23rd , at Red Lobster in North Little Rock for this informative event. Whether you’re just beginning to think about estate planning or looking to refine an existing plan, our experienced attorneys will guide you through the essential components of wills, trusts, powers of attorney, and more. Estate planning can seem overwhelming, but it doesn’t have to be. Let us help you simplify the process and empower you to make informed decisions for your family’s future. Reserve your spot today by calling 501-851-0040. Space is limited, so don’t wait to secure your seat at the table. We can’t wait to meet you and help you build a legacy of peace and security for generations to come. See you on January 23rd!
When it comes to estate planning, the appeal of do-it-yourself (DIY) tools is undeniable. Online platforms promise quick, affordable solutions to crafting wills, trusts, and other legal documents. But are these tools as foolproof as they claim? Unfortunately, the answer is often no. Pitfalls of DIY Estate Plans One of the biggest risks with DIY estate planning is the potential for errors. These tools use generic templates that may not comply with state-specific laws. For example, if a DIY will doesn't meet Arkansas’s legal requirements for witnessing and signing, it could be deemed invalid. Additionally, DIY tools rarely account for unique circumstances like blended families, special needs beneficiaries, or tax-efficient asset transfers. Real-life examples highlight the danger. Families have encountered unnecessary probate proceedings or lost assets because critical details were omitted or misinterpreted. These mistakes can cost loved ones far more in time, money, and stress than the initial savings from skipping professional guidance. Benefits of Professional Estate Planning An experienced estate planning attorney offers more than just document preparation. They’ll take the time to understand your unique circumstances, identify potential issues, and craft a plan tailored to your needs. Professionals can also anticipate and address tax implications, Medicaid eligibility, and succession planning. By working with an attorney, you’re also creating legally binding documents that minimize the risk of disputes. Family disagreements often arise when the intentions of a DIY estate plan are unclear or incomplete. Take Action Today Protect your loved ones and your legacy by making estate planning a priority. Nash Law Firm’s experienced team is here to guide you through the process with personalized, legally sound solutions. Contact us today for a free consultation. DISCLAIMER: The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user, or browser; the Nash Law Firm does not recommend or endorse the contents of the third-party sites. Readers of this website should contact their attorney to obtain advice with respect to any particular legal matter. No reader, user, or browser of this site should act or refrain from acting on the basis of information on this site without first seeking legal advice from counsel in the relevant jurisdiction. Only your individual attorney can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client relationship between the reader, user, or browser and website authors, contributors, or Nash Law Firm.
For families seeking to preserve their wealth across multiple generations, Dynasty Trusts are becoming an increasingly popular tool. These trusts are designed to shield assets from estate taxes and creditors indefinitely, ensuring that wealth can grow and benefit descendants far into the future. Whether you’re looking to protect family wealth or create a lasting legacy, a Dynasty Trust could be the perfect solution. Here’s what you need to know about how they work and why they might be right for your family. What Is a Dynasty Trust? A Dynasty Trust is a long-term trust designed to pass wealth down to multiple generations while minimizing estate taxes, gift taxes, and other financial risks. Unlike traditional trusts, which often terminate after a set period or when assets are distributed, Dynasty Trusts can last for centuries—or even indefinitely—depending on state laws. The trust is typically irrevocable, meaning once assets are placed in the trust, they cannot be removed by the grantor. This structure ensures the trust remains protected from creditors, lawsuits, and taxation. Benefits of a Dynasty Trust Tax Advantages: Dynasty Trusts avoid repeated estate taxes at each generational transfer, allowing more wealth to remain in the family. Assets placed in the trust are subject to gift or estate taxes only at the time of transfer, not at each subsequent distribution to heirs. Creditor Protection: Assets in a Dynasty Trust are shielded from creditors, lawsuits, and divorces involving the trust’s beneficiaries. Wealth Preservation: The trust provides a structured way to manage and grow assets, ensuring wealth isn’t depleted by poor financial decisions or overspending. Flexibility for Future Generations: Dynasty Trusts can be tailored to meet specific family needs, such as funding education, starting businesses, or providing for healthcare expenses. Who Should Consider a Dynasty Trust? Dynasty Trusts are particularly beneficial for high-net-worth individuals who wish to: Protect significant assets from taxation and creditors. Create a lasting financial legacy. Provide for multiple generations without the risk of assets being mismanaged or lost. However, Dynasty Trusts aren’t limited to the ultra-wealthy. Families with moderate wealth can also use them effectively to preserve assets and provide financial stability for future generations. How Does a Dynasty Trust Work? Establishing the Trust: The grantor places assets, such as cash, investments, or real estate, into the trust. The trust is structured to operate in perpetuity (subject to state laws). Trustee Management: A trustee, chosen by the grantor, oversees the trust’s assets and ensures compliance with its terms. Distribution of Assets: Beneficiaries can receive distributions according to the grantor’s instructions. For example, funds may be allocated for education, home purchases, or other specific needs. State Laws and Perpetuity The duration of a Dynasty Trust depends on the Rule Against Perpetuities, which limits how long a trust can exist. Many states have amended or abolished this rule, allowing Dynasty Trusts to last indefinitely. If perpetual trusts are not permitted in your state, assets can still be placed in states that allow them. Key Considerations Irrevocability: Once assets are transferred to the trust, they cannot be removed or altered by the grantor. Costs: Setting up and maintaining a Dynasty Trust involves legal and administrative fees, which may not be suitable for smaller estates. Complexity: Proper drafting is critical to avoid unintended consequences, such as disqualification for certain tax advantages. The Role of Professional Guidance Given their complexity, creating a Dynasty Trust requires experienced legal and financial expertise. An attorney can help you navigate state laws, draft the trust document, and ensure your wealth is distributed in accordance with your wishes. Secure Your Family’s Future with Nash Law Firm At Nash Law Firm, we specialize in helping families protect and grow their wealth across generations. Whether you’re just beginning your estate planning journey or looking to enhance your existing plan, our attorneys are here to guide you. Take Action Today Don’t let your family’s hard-earned wealth fall victim to unnecessary taxes or mismanagement. A Dynasty Trust could be the key to preserving your financial legacy for generations to come. Contact Nash Law Firm today for a free consultation. Let’s create a plan that protects what matters most—your family’s future. DISCLAIMER: The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user or browser; the Nash Law Firm does not recommend or endorse the contents of the third-party sites. Readers of this website should contact their attorney to obtain advice with respect to any particular legal matter. No reader, user, or browser of this site should act or refrain from acting on the basis of information on this site without first seeking legal advice from counsel in the relevant jurisdiction. Only your individual attorney can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client relationship between the reader, user, or browser and website authors, contributors, or Nash Law Firm.
For many seniors, the family home represents more than just a roof over their heads—it’s a cornerstone of family history, filled with memories and sentimental value. But as life changes, protecting this treasured asset becomes a key part of estate planning. Without a proper plan in place, your home could be subject to probate, Medicaid recovery, or disputes among heirs. Fortunately, there are effective strategies to ensure your home stays in the family. Here’s a guide to estate planning tools that can help preserve your family home for generations to come. 1. Life Estate Deeds A life estate deed allows you to transfer ownership of your home to a beneficiary (typically a family member) while retaining the right to live there for the rest of your life. Upon your passing, full ownership automatically transfers to the beneficiary, bypassing probate. Benefits: Ensures your right to live in the home for life. Avoids probate, simplifying the transfer of ownership. May protect the home from Medicaid estate recovery. Considerations: Once established, it’s difficult to revoke or change the designated beneficiary. The beneficiary’s financial or legal issues (e.g., bankruptcy or divorce) could affect the property. 2. Irrevocable Trusts Placing your home in an irrevocable trust can shield it from Medicaid recovery and ensure it’s distributed to your heirs according to your wishes. How It Works: You transfer ownership of the home to the trust. A trustee manages the property on behalf of the beneficiaries. Advantages: Protects the home from creditors, lawsuits, and Medicaid recovery. Avoids probate. Things to Keep in Mind: You relinquish direct control of the property. The trust must be established outside Medicaid’s five-year look-back period to avoid penalties. 3. Transfer-on-Death (TOD) Deeds A Transfer-on-Death deed allows you to name a beneficiary who will automatically inherit your home when you pass away, without going through probate. Benefits: Simple to set up and relatively inexpensive. Maintains your ownership and control of the property during your lifetime. Avoids probate and simplifies the transfer process. Limitations: Does not protect the home from Medicaid recovery. 4. Gifting the Home Some seniors consider gifting their home to a family member outright. While this removes the property from their estate, it comes with significant risks. Potential Drawbacks: Medicaid’s five-year look-back period could result in penalties. The recipient may face capital gains taxes if they sell the home in the future. You lose control over the property once the gift is made. 5. Joint Tenancy with Rights of Survivorship Adding a trusted family member as a joint tenant ensures that they inherit the property upon your passing without probate. Advantages: Simple way to transfer ownership. Allows you to share ownership during your lifetime. Disadvantages: The joint tenant’s creditors could lay claim to the property. Gifting half the property could trigger gift taxes. Why Planning Is Essential Without a clear estate plan, your home may become subject to probate, where a court oversees the distribution of your assets. Probate can be time-consuming, costly, and emotionally taxing for your heirs. Worse, if you’ve received Medicaid benefits, the state may attempt to recover costs from your estate, potentially forcing the sale of the home. Proper planning can prevent these scenarios and ensure your home remains a cherished part of your family’s legacy. How Nash Law Firm Can Help Every family’s situation is unique, and the right strategy for preserving your home depends on your goals, financial situation, and health considerations. At Nash Law Firm, our experienced estate planning attorneys can guide you through your options and help you create a plan tailored to your needs. Take the First Step Today Your family home is too important to leave to chance. Protect it with an estate plan that aligns with your wishes and secures your family’s future. Contact Nash Law Firm today for a free consultation. DISCLAIMER: The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user or browser; the Nash Law Firm does not recommend or endorse the contents of the third-party sites. Readers of this website should contact their attorney to obtain advice with respect to any particular legal matter. No reader, user, or browser of this site should act or refrain from acting on the basis of information on this site without first seeking legal advice from counsel in the relevant jurisdiction. Only your individual attorney can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client relationship between the reader, user, or browser and website authors, contributors, or Nash Law Firm.
Planning for long-term care is a crucial step in safeguarding your future and protecting your hard-earned savings. The cost of long-term care can be overwhelming, potentially depleting your assets and affecting the financial legacy you wish to leave your loved ones. However, with proactive planning and strategic financial decisions, you can secure the care you need without draining your savings. Here are some effective strategies to consider. 1. Long-Term Care Insurance One of the most straightforward ways to prepare for future care needs is by purchasing long-term care insurance. This insurance covers services not typically included in regular health insurance, such as assistance with daily activities either at home or in a specialized facility. Benefits: Provides financial support for various care options, reduces the burden on family members, and helps preserve your savings. Considerations: Premiums can be costly, especially if you purchase a policy later in life or have existing health conditions. It's advisable to buy a policy in your 50s or early 60s when rates are more affordable. 2. Medicaid Planning Medicaid can cover long-term care costs for those who meet specific income and asset criteria. Medicaid planning involves legally restructuring your finances to qualify for benefits without impoverishing yourself. Strategies: Asset Protection Trusts: Placing assets into an irrevocable trust removes them from your ownership, potentially qualifying you for Medicaid while preserving assets for your heirs. Spend-Down Methods: Legitimately reducing your countable assets by paying off debts, making home improvements, or purchasing exempt resources like a prepaid funeral plan. Important Note: Medicaid has a five-year look-back period on asset transfers, so early planning is essential to avoid penalties. 3. Life Estate Deeds A life estate deed allows you to transfer property to a beneficiary while retaining the right to live in it for the rest of your life. Advantages: Avoids Probate: The property passes directly to the beneficiary upon your death, bypassing the probate process. Potential Medicaid Benefits: The property may not be considered a countable asset for Medicaid eligibility. Considerations: This move is generally irrevocable; changing the designated beneficiary later can be complicated. 4. Utilize Trusts Various types of trusts can help protect your assets: Revocable Living Trusts: While these do not protect assets from Medicaid (since you still control them), they can help avoid probate and provide clear instructions for asset distribution. Irrevocable Trusts: These remove assets from your estate, which can help with Medicaid eligibility and protect assets from creditors. 5. Annuities and Promissory Notes Converting assets into income streams through Medicaid-compliant annuities or promissory notes can be effective. Benefits: Annuities: Provide a steady income while potentially reducing countable assets. Promissory Notes: Allow for the loaning of money with repayments structured to comply with Medicaid rules. Key Point: These tools must meet specific requirements to be considered Medicaid-compliant. 6. Long-Term Care Riders on Life Insurance Some life insurance policies offer long-term care riders, which allow you to access death benefits early to cover care costs. Pros: Provides flexibility and leverages existing insurance policies. Cons: May reduce the death benefit available to heirs. 7. Veterans Benefits If you or your spouse is a veteran, you may be eligible for the Aid and Attendance Pension, which provides financial assistance for long-term care needs. Eligibility: Based on service requirements, medical needs, and income/assets. 8. Early and Ongoing Planning The most critical aspect of preserving your savings is to start planning early. The earlier you implement these strategies, the more options you have and the better protected your assets will be. Regular Reviews: Life circumstances and laws change. Regularly reviewing your plan ensures it remains effective and compliant with current regulations. Professional Guidance: Laws governing Medicaid and estate planning are complex and vary by state. Expert advice is invaluable. Why Consult Nash Law Firm? Navigating the intricacies of long-term care planning requires specialized knowledge. At Nash Law Firm, our experienced attorneys can help you: Develop a Customized Plan: Tailored to your unique financial situation and care preferences. Understand Legal Implications: Ensure compliance with federal and state laws to avoid unintended penalties. Protect Your Legacy: Employ strategies that preserve your assets for future generations. Take the Next Step Long-term care planning doesn't have to be overwhelming. By taking proactive steps now, you can secure quality care for yourself while safeguarding your savings and providing peace of mind for your family. Contact Nash Law Firm today for a free consultation. Let our dedicated team guide you through the process of planning for long-term care without compromising your financial stability. We're here to help you make informed decisions that protect both your well-being and your legacy. DISCLAIMER: The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user or browser; the Nash Law Firm does not recommend or endorse the contents of the third-party sites. Readers of this website should contact their attorney to obtain advice with respect to any particular legal matter. No reader, user, or browser of this site should act or refrain from acting on the basis of information on this site without first seeking legal advice from counsel in the relevant jurisdiction. Only your individual attorney can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client relationship between the reader, user, or browser and website authors, contributors, or Nash Law Firm.
