A pour-over will is a central document for people who maintain a living trust but want an additional safety net to capture any assets not formally transferred into the trust during their lifetime. In Crockett and throughout Contra Costa County, this tool works alongside a revocable living trust to ensure that any property left outside the trust is directed into it at the time of death, avoiding uncertainty about the testator’s intentions. This paragraph explains how the pour-over will operates as a backstop, the basic steps involved in creating one, and the general benefits it offers to estate planning clients in California.
When preparing a pour-over will, it is important to consider how it complements other estate planning documents such as a revocable living trust, durable powers of attorney, and advance health care directives. The pour-over will primarily functions to transfer title to assets to the trust upon death, but it does not avoid probate by itself for those assets that require court transfer. This section introduces commonly paired documents like certification of trust, pour-over wills, and HIPAA authorization, and it outlines how a coordinated plan can reduce administrative burdens on family members while reflecting the client’s final wishes in a clear legal form.
A pour-over will matters because it ensures that any assets left out of a trust are not left without direction. For individuals who use a living trust to manage most of their assets, the pour-over will acts as a safety mechanism to transfer overlooked property into the trust after death. Benefits include reinforcing testamentary intent, simplifying transfer of assets into the trust administration, preserving privacy for trust beneficiaries, and providing clear instructions to fiduciaries and family members. In many situations, this combination of documents reduces confusion and helps maintain continuity of the estate plan when handled properly.
The Law Offices of Robert P. Bergman serves clients across San Jose, Crockett, and the broader California Bay Area with a focus on creating complete estate plans tailored to each family’s needs. Our practice assists clients with revocable living trusts, pour-over wills, powers of attorney, health care directives, and other estate planning tools. We emphasize clear communication, careful document drafting, and practical steps to fund trusts so that a pour-over will functions as intended. Our approach centers on helping clients make informed decisions, preparing durable documents, and guiding families through transitions with compassion and thoroughness.
A pour-over will is designed to work in tandem with a living trust by directing any property that was not transferred to the trust during the settlor’s lifetime to be ‘poured over’ into the trust after death. It typically names the trust as the primary beneficiary of such assets and appoints a personal representative to handle the probate transfer when necessary. This arrangement helps ensure that the settlor’s overall estate plan remains consistent: most assets pass directly through trust administration, while the pour-over will captures strays and places them under the trust’s terms for final distribution to beneficiaries.
It’s important to understand that a pour-over will alone does not avoid probate for assets that remain in the decedent’s name; rather, it provides a mechanism to move those assets into the trust after probate or other required court procedures. Proper funding of the trust during life reduces the need to probate pour-over assets, but the will serves as a safeguard when funding is incomplete. Knowing how and when assets should be retitled, beneficiary designations that supersede wills, and the roles of trustees and personal representatives helps individuals and families plan more effectively for a seamless transition.
A pour-over will is a testamentary instrument that directs any assets not already in a trust to be transferred to the trust upon the testator’s death. It names who receives remaining property and generally designates a personal representative to ensure the terms are carried out. It acts in support of a living trust, providing a catch-all for any property omitted from the trust. The document typically contains standard testamentary provisions like disposition clauses, appointment of agents, and statements of intent to move residual assets into the trust, helping ensure that the trust ultimately governs distribution where possible.
Critical elements of a pour-over will include the dispositive clause naming the trust as beneficiary of residual assets, the appointment of a personal representative, and language confirming intent to transfer property into the trust. The process involves preparing the will alongside the trust, ensuring signature and witnessing requirements are met under California law, and coordinating trustee and attorney directions for estate reconciliation after death. Additionally, clients should review beneficiary designations and deed titles to align them with trust funding goals, and consider periodic updates as assets or family circumstances change to maintain consistency across documents.
This section defines common terms used in pour-over will and trust planning so clients understand how documents interact. Definitions include trust, settlor, trustee, beneficiary, probate, personal representative, and trust funding. Each term helps demystify the mechanics of transferring assets into trusts and explains administrative roles after death. Learning the vocabulary clarifies who carries out the transfer to the trust, what assets typically require probate, and the legal processes that determine whether property passes through probate or by trust provisions. Clear terminology helps families coordinate a better plan and communicate wishes effectively.
A revocable living trust is a private legal arrangement in which a person places assets under a trust during life and retains the ability to amend or revoke the trust while alive. The trust names a trustee to manage assets and designates beneficiaries who will receive property according to the trust terms after the settlor’s death. Using a living trust can facilitate asset management, potentially reduce delays in distribution, and provide straightforward administration for property already retitled into the trust. The pour-over will complements this structure by directing any remaining assets into the trust at death.
Probate is the court-supervised process for proving a will’s validity, settling debts, and distributing assets that are held in the decedent’s name. In the context of a pour-over will, probate may be necessary for assets that were not retitled into a trust prior to death; the personal representative carries out probate duties and then transfers the assets into the trust as directed. While a living trust can reduce the volume of assets subject to probate, the pour-over will ensures that any leftover property ultimately becomes subject to the trust’s distribution scheme after probate is complete.
The personal representative, sometimes called an executor, is the individual appointed in a will to manage the probate process, pay debts, and distribute assets under the will’s terms. The trustee is the individual or institution responsible for administering the trust, managing trust property, and distributing assets to beneficiaries under the trust document. When a pour-over will is used, the personal representative and trustee may need to coordinate closely so that assets cleared through probate are properly transferred into the trust and handled in accordance with the settlor’s wishes.
Trust funding refers to the process of transferring ownership or beneficiary designations of assets into the name of the trust so those assets are subject to the trust’s terms. Asset retitling may include changing deeds, reassigning bank or investment accounts, and adjusting beneficiary designations where allowed. Proper funding reduces reliance on a pour-over will and can minimize the need for probate. Regular review and administrative steps ensure that new assets are added to the trust and that the trust continues to reflect the settlor’s intentions over time.
When comparing estate planning options, it helps to weigh the benefits of a living trust plus pour-over will against a will-only approach. A living trust can streamline administration for trust-funded property and maintain privacy, while a traditional will can be simpler but often requires full probate for assets held in the decedent’s name. The pour-over will serves as a safety net for trust-based plans, capturing assets not moved into the trust. Clients should consider the types of assets they own, family dynamics, and goals for privacy and efficiency when choosing the combination of documents that best suits their needs.
For individuals whose assets are modest and simple, a straightforward will may provide adequate direction for distribution without the added steps needed to fund a trust. In those situations, probate may be relatively uncomplicated and inexpensive compared with the time and actions required to retitle multiple accounts. The decision depends on the size and nature of the estate, the importance of privacy for heirs, and the desire to minimize ongoing administration. A pour-over will is less essential when the estate consists mostly of assets that transfer automatically through beneficiary designations or joint ownership.
If the assets are arranged so that few items will require probate — for example, if accounts already have designated beneficiaries and real property is jointly owned with rights of survivorship — a simple will might be sufficient. Families with straightforward relationships and minimal dispute risk may prefer a limited approach because it can be less time-consuming to set up. Nonetheless, it remains important to periodically review beneficiary designations and property titles to confirm that the chosen plan continues to match the owner’s intentions and avoids unintended probate.
A comprehensive trust-centered plan is recommended when assets are more complex, when privacy is a priority, or when it is important to manage how property is handled after incapacity or death. Funding a living trust and using a pour-over will helps to ensure that a greater portion of the estate passes under trust terms rather than through public probate, which can be time-consuming and visible to the public. This approach is also helpful when planning for blended families, minor beneficiaries, or long-term distribution arrangements that require careful oversight.
Comprehensive planning helps coordinate wills, trusts, powers of attorney, health care directives, and beneficiary designations so there is consistency across documents. Without proper coordination, assets may unintentionally bypass trust provisions or create conflicts that complicate administration. A pour-over will acts as a backstop, but the ideal outcome is to have the trust funded properly during life so that the trust structure governs most distributions. Periodic reviews ensure that new assets or life changes do not produce gaps that would otherwise require probate or court intervention.
A holistic approach that integrates a revocable living trust with a pour-over will and supporting documents can reduce uncertainty for family members and streamline administration after a death. By retitling assets into the trust and using consistent beneficiary designations, the overall process of asset distribution becomes more predictable and manageable. This approach also supports continuity of asset management in the event of incapacity, because trustees can step in under the trust’s terms. Clear documentation helps reduce disputes and provides a roadmap for fiduciaries to follow.
In addition to administrative benefits, a coordinated plan can protect beneficiaries from unnecessary delays and costs associated with probate. When trusts are properly funded, many assets move directly to beneficiaries without court oversight, saving time and potentially lowering fees. The pour-over will remains valuable as a fallback for assets inadvertently left outside the trust. Together with powers of attorney, HIPAA authorizations, and guardianship nominations where appropriate, these documents make the estate plan more resilient and easier for loved ones to carry out exactly as intended.
Using a trust-centered plan provides greater control over how and when assets are distributed, enabling phased distributions or conditions tailored to beneficiaries’ needs. Trustees administer assets according to clear written instructions, which can reduce conflict and encourage orderly handling of estate affairs. When combined with a pour-over will that captures any stray assets, the planning structure better ensures that the settlor’s overarching intentions are honored. This predictability can bring peace of mind to families concerned about the administrative burden following a loss.
A primary advantage of utilizing trusts is the enhanced privacy they offer compared with probate court proceedings, which are public records. By funding a living trust and using a pour-over will as necessary, the bulk of asset distribution can occur outside of the public probate process, shielding detailed information about beneficiaries and asset values. Reduced court involvement also often equates to a more efficient resolution, making it easier for families to move forward while maintaining confidentiality about the estate’s contents and the identities of beneficiaries when that is desired.
Regularly reviewing and funding your trust helps minimize the amounts that will need to be transferred by a pour-over will at death. Periodic reviews are especially important after life events such as acquiring new property, receiving inheritance, changing marital status, or moving accounts. Make a habit of checking account titles, beneficiary designations, and deed records to confirm they remain aligned with the trust. This proactive maintenance reduces the likelihood of probate for assets that could instead pass seamlessly under the trust’s terms and supports a more predictable administration for heirs.
Maintaining accessible records that show where key documents are stored, which accounts are owned by the trust, and contact information for fiduciaries helps family members and fiduciaries carry out the plan efficiently. Communication with named trustees and personal representatives about their roles, responsibilities, and the location of important documents can prevent confusion during a difficult time. While it is not necessary to share every detail, providing a clear roadmap of who to contact and where to find trust and will documents reduces delays and supports smoother administration when the time comes.
You might consider a pour-over will if you have a living trust but are concerned some assets may not be moved into the trust before death. The pour-over will acts as a safety net to capture property left outside the trust and direct it into the trust for distribution according to your instructions. It is particularly useful for people with varied asset types, changing financial circumstances, or those who routinely acquire new property. Creating this document alongside a trust can reduce the likelihood of assets being distributed contrary to the settlor’s overall estate planning intentions.
Another reason to add a pour-over will is to ensure consistent treatment of assets under your trust terms even when funding is imperfect. Life events, oversight, or administrative delays can result in property remaining titled in the individual’s name. The pour-over will provides a clear legal directive for transferring such items into the trust after death, making it easier for fiduciaries to follow a single plan for distribution. This integrated approach promotes clarity for family members and helps align estate administration with long-term planning goals.
Typical circumstances where a pour-over will proves useful include acquiring new assets late in life, moving to a new home without updating deed titles, receiving unexpected inheritance, or when accounts are overlooked during trust funding. It is also helpful when trusts are part of complex family planning arrangements, such as when there are minor beneficiaries or blended family dynamics. The document acts as a catch-all to ensure the trust governs assets that were unintentionally omitted, providing a consistent distribution method and reducing potential confusion among survivors about final intentions.
When new assets are acquired after a trust has been established, they may remain in the owner’s individual name unless steps are taken to retitle them into the trust. A pour-over will ensures that those assets will be transferred into the trust at death, but timely funding during life remains the preferred approach to avoid probate. Regular reviews after significant financial changes, such as purchasing real estate or opening new investment accounts, can help ensure that assets are aligned with the trust and reduce the need for probate-based transfers later.
Administrative delays or simple oversights can leave accounts and property titled outside the trust. A pour-over will provides a reliable fallback to move those assets into the trust on death, but it does not eliminate the administrative steps or potential probate required for transfer. By maintaining clear records and performing periodic checkups on account titles and beneficiary designations, individuals can minimize the reliance on the pour-over mechanism while still having the safety net in place for items that slip through the funding process.
Families with blended relationships, minor beneficiaries, or diverse property types often benefit from the coordination a trust and pour-over will provide. The trust can outline specific distribution schedules and protections for beneficiaries while the pour-over will captures any remaining assets to ensure they fall under the trust’s governance. This dual approach provides clarity and continuity across differing forms of property, which can be particularly helpful when assets are held in different states, accounts, or ownership structures that require special attention during administration.
The Law Offices of Robert P. Bergman assist Crockett and Contra Costa County residents who wish to integrate pour-over wills with living trusts and other estate planning documents. We provide practical guidance on trust funding, document coordination, and probate avoidance strategies where possible. Our firm offers clear explanations of options, helps clients organize deeds and account titles, and prepares legally sound pour-over wills that reflect the settlor’s wishes. Families receive support throughout implementation so loved ones can more easily follow the plan when the time comes.
Clients choose our firm because we focus on delivering thorough, understandable estate plans that fit each family’s unique circumstances. We help clients evaluate whether a living trust plus a pour-over will is the right structure, identify assets needing transfer, and prepare clear documents that reflect the client’s goals. Attention to detail and practical steps for funding the trust help reduce the need for probate, while consistent documentation provides peace of mind. We also make sure that powers of attorney and health care directives are integrated to address incapacity and end-of-life decisions.
Our firm works with clients in San Jose, Crockett, and across California to tailor documents like revocable living trusts, pour-over wills, HIPAA authorizations, and guardianship nominations. We guide individuals through the legal requirements for signing and witnessing, advise on retitling assets, and coordinate with financial institutions and title companies as needed. This coordinated approach helps clients avoid common pitfalls such as inconsistent beneficiary designations and improperly funded trusts, making transitions smoother for family members and fiduciaries.
We prioritize clear communication and ongoing plan maintenance so clients understand their options and the likely consequences of different choices. Whether addressing estate tax considerations, creating pour-over wills, or preparing companion documents like certification of trust and general assignment of assets to trust, our goal is to provide responsive service that helps families make sound decisions. We also support updates to plans when life changes occur, ensuring documents continue to reflect current wishes and circumstances over time.
Our process begins with an initial consultation to review existing documents, assets, and goals, followed by drafting or updating a revocable living trust and pour-over will to reflect those goals. We identify assets that should be retitled and provide a checklist for funding the trust, prepare supporting documents like powers of attorney and health care directives, and coordinate execution with proper witnessing. After signing, we explain storage options, trustee and personal representative responsibilities, and recommended review intervals so the plan remains effective and aligned with the client’s intentions.
In the initial assessment we gather information about your assets, family circumstances, and existing estate planning documents. This review helps identify gaps in trust funding, beneficiary designations that may conflict with trust terms, and any property that requires retitling. We discuss goals for distribution, incapacity planning, and guardianship nominations for minor children if applicable. By understanding these details up front, we can recommend a tailored plan that combines a living trust with a pour-over will and related documents to provide a coherent path for asset management and distribution.
Collecting a comprehensive inventory of assets is essential to effective planning. We request account statements, deeds, retirement plan information, beneficiary designations, and any existing trust documents. This inventory reveals which assets are already titled in the trust and which require retitling. We also gather family and beneficiary details to address distribution preferences and potential guardianship needs. Accurate information enables us to create documents that align with your wishes and minimize the need for later changes or unexpected probate transfers.
After reviewing assets, we identify which accounts and properties should be retitled to the trust and outline steps for doing so. Determining funding needs involves coordinating with banks, brokerage firms, and title companies to transfer ownership or reassign beneficiary designations where appropriate. We provide clear instructions and templates for commonly required changes, explain tax and administrative implications, and advise on timing to reduce gaps that would make the pour-over will necessary. This proactive retitling reduces reliance on court transfers after death.
Once goals and funding needs are clear, we draft a complete set of documents including a revocable living trust, pour-over will, durable financial power of attorney, advance health care directive, and any ancillary documents such as a certification of trust or general assignment of assets to trust. Documents are prepared to comply with California legal requirements and to reflect chosen fiduciaries and beneficiaries. We then coordinate execution, ensuring proper signing and witnessing so that the documents are legally effective and ready to be implemented if needed.
Drafting the trust and pour-over will includes specifying trustees, successor trustees, beneficiaries, distribution terms, and contingencies for incapacity or death. Language is included to provide clarity about the transfer of residual assets from the pour-over will into the trust and to outline processes for administration. We tailor documents to reflect preferences for distribution timing, use of trust assets for care or support, and protections for vulnerable beneficiaries. Accurate drafting reduces ambiguity and helps fiduciaries carry out the settlor’s intentions with confidence.
Execution requires proper signing and witnessing in accordance with California law, and we guide clients through this step to ensure validity. After documents are signed, we recommend secure storage and provide guidance on who should be informed about the location of originals. We also provide a plan for sharing necessary information with trustees, personal representatives, and family members as appropriate. Clear safekeeping and communication procedures reduce delays and make it easier for fiduciaries to find and implement documents when required.
Funding the trust involves retitling assets, updating beneficiary designations where appropriate, and recording deeds for real property. We assist in preparing transfer forms, coordinating with financial institutions, and advising on deed changes to add the trust as owner. After funding, regular maintenance and periodic reviews are recommended, particularly after major life events or changes in asset composition. Ongoing attention ensures that the trust continues to reflect the client’s wishes and reduces the future need for probate or pour-over will transfers.
Transferring assets into the trust often requires completing forms with banks and investment firms, preparing and recording deeds for real estate, and reviewing beneficiary designations for retirement plans and insurance. Some assets may require special handling or tax consideration, and we provide guidance on those matters. Ensuring that key accounts are titled in the name of the trust and that deeds reflect trust ownership helps make the trust the primary mechanism for distribution and minimizes the assets subject to a pour-over will and the probate process after death.
After the initial plan is implemented, periodic reviews are important to confirm that changes in assets, family circumstances, or law do not create unintended gaps. We recommend checking titles and beneficiary designations after significant life events such as marriage, divorce, births, or major financial transactions. Updates and amendments maintain alignment between the trust and pour-over will, ensuring a cohesive plan that continues to reflect current wishes. This ongoing attention reduces surprises for fiduciaries and beneficiaries when the plan is activated.
A pour-over will is a testamentary document that directs any assets not already titled in a trust to be transferred into the trust upon the testator’s death. It names a personal representative to administer probate matters if necessary and instructs that residual assets be paid or transferred to the living trust so those assets are distributed according to the trust’s terms. The pour-over will functions as a safety net for trust-centered plans by catching assets that were inadvertently left out of the trust. The living trust remains the primary vehicle for managing and distributing trust-funded property, while the pour-over will covers missed items. The process may still require probate for those residual assets, after which they are moved into the trust and distributed to named beneficiaries. Understanding this relationship helps set realistic expectations about which assets avoid probate and which may require court involvement before being placed into the trust.
A pour-over will does not automatically avoid probate for all assets; it directs residual assets to the trust, but assets held in the decedent’s name at death may still be subject to probate before transfer. The will’s function is to ensure such assets ultimately come under the trust’s governance, but the probate process can be required to clear title and enable transfer into the trust’s name. Therefore, relying solely on a pour-over will without funding the trust during life may not prevent probate altogether. To minimize probate, it is advisable to retitle assets into the trust and coordinate beneficiary designations where appropriate. Certain assets that pass by operation of law, such as jointly owned property or accounts with designated beneficiaries, may avoid probate. Careful planning and periodic reviews are important to reduce the volume of assets likely to go through probate and to ensure that the estate plan operates as intended.
Funding a trust involves changing ownership titles on bank accounts, investment accounts, and real estate into the name of the trust and reviewing beneficiary designations on retirement plans and insurance policies. This may require completing transfer forms, recording deeds, and coordinating with financial institutions and title companies. Proper funding reduces the assets that a pour-over will must capture and helps ensure the trust governs distributions without court intervention. It is helpful to maintain a thorough inventory of assets and to complete retitling as soon as practical after the trust is created. Periodic checks following major financial events or property acquisitions help maintain funding status. When certain accounts cannot or should not be titled in the trust, alternative planning measures can be discussed to align those assets with the overall estate plan while considering tax and administrative implications.
Selecting a personal representative for a will and a trustee for a trust requires consideration of responsibility, availability, and willingness to serve. The personal representative oversees probate activities such as paying debts and distributing assets under the will, while the trustee manages and administers trust assets according to the trust’s terms. Some individuals name the same person in both roles, while others prefer different individuals to separate duties depending on family dynamics and practical considerations. It is important to choose people who are organized, trustworthy, and capable of managing financial matters or who can work with a professional fiduciary if needed. Naming successor fiduciaries provides continuity if the primary choices are unable to serve. Clear communication with those named about their roles and the location of estate documents will facilitate smoother administration when the time comes.
If property is acquired after the creation of a trust and is not retitled into the trust, the pour-over will serves to move that property into the trust upon death. However, relying on the pour-over will is less efficient than funding the trust while alive, because probate or other administrative steps may be required. It is generally best practice to retitle newly acquired real estate and accounts into the trust soon after acquisition to avoid needing probate for those assets. Developing a routine to review and fund the trust after significant transactions helps avoid these gaps. If retitling immediately is impractical, document owners can at least keep records and notify trustees or fiduciaries about recently acquired assets so the eventual transfer process is clearer for those who carry out the estate plan.
Yes, beneficiary designations on retirement accounts, pensions, and some payable-on-death accounts can supersede instructions in a will or trust when they are properly completed. Because beneficiary forms operate outside of testamentary documents, inconsistent designations can create unintended outcomes. It is important to coordinate beneficiary designations with the trust plan so that distributions align with the settlor’s overall intentions, or to name the trust itself on accounts where appropriate. Regularly reviewing beneficiary forms and ensuring they match the overall estate plan reduces the chance of conflict. Where naming a trust as beneficiary may cause complications, alternative strategies can be discussed to harmonize those accounts with the intended distribution scheme and to manage any tax or administrative consequences.
Periodic review of estate planning documents is recommended after major life events such as marriage, divorce, births, deaths in the family, or significant changes in assets. Even absent major events, a review every few years helps ensure title and beneficiary designations continue to match the trust and will. Updates or amendments may be needed to reflect changing relationships, new acquisitions, or changes in state law that affect estate administration. Staying proactive about reviews reduces the likelihood of unintended consequences and ensures the pour-over will remains an effective safety net. Regular communication with trustees, fiduciaries, and family members about the location of documents and the current plan also helps facilitate a smoother transition when documents must be implemented.
A pour-over will alone does not by itself provide special protections for minor or vulnerable beneficiaries, but when used with a trust it supports distribution mechanisms tailored to those beneficiaries’ needs. Trusts can include provisions for staggered distributions, professional management, or dedicated care funds for beneficiaries with special needs. The pour-over will ensures that assets not funded into the trust during life still come under the trust’s terms to be managed for such beneficiaries. For beneficiaries with special needs, additional planning documents such as a special needs trust may be advisable to preserve public benefits while providing supplemental support. Guardianship nominations and clear instructions about who will care for minors are also important complementary elements of a comprehensive plan that includes a pour-over will.
Documents commonly included alongside a pour-over will include a revocable living trust, durable power of attorney for finances, advance health care directive or living will, HIPAA authorization, certification of trust, and any necessary assignments or deeds to fund the trust. Guardianship nominations for minor children are often included as well. Together these documents create an integrated plan for incapacity, health care decisions, and the distribution of property after death. Preparing these companion documents ensures consistency across legal instruments and clarifies the roles of trustees and personal representatives. Maintaining an up-to-date inventory of the trust’s assets and retaining copies of beneficiary designations helps fiduciaries implement the plan without delay, reducing uncertainty for family members during administration.
Starting the process of creating a pour-over will in Crockett begins with an initial consultation to review your current documents, assets, family situation, and goals. During this review we determine whether a living trust is appropriate, identify assets that should be retitled, and discuss the responsibilities of trustees and personal representatives. From there, a coordinated set of documents is drafted, executed with proper witnessing, and steps are taken to fund the trust where possible. Once documents are in place, we provide guidance on retitling assets and updating beneficiary forms if needed, and recommend periodic reviews to ensure continued alignment with your wishes. Clear communication about document locations and fiduciary roles reduces administrative obstacles later and makes the estate plan easier for loved ones to implement.
Criminal Defense
Homicide Defense
Manslaughter
Assault and Battery
Assault with a Deadly Weapon
Battery Causing Great Bodily Injury
Domestic Violence
Domestic Violence Protection Orders
Domestic Violence Restraining Order
Arson Defense
Weapons Charges
Illegal Firearm Possessions
Civil Harassment
Civil Harassment Restraining Orders
School Violence Restraining Orders
Violent Crimes Defense
Estate Planning Practice Areas