If you are planning for a loved one with disabilities in Livingston or Merced County, establishing a Special Needs Trust can preserve public benefits while providing for quality of life. At the Law Offices of Robert P. Bergman we help families design trust documents that hold assets for needs outside of government benefits. This introductory section describes what a Special Needs Trust does, who can benefit, and how it fits into an overall estate plan that may include a revocable living trust, pour-over will, powers of attorney, and healthcare directives tailored to your family’s situation.
A Special Needs Trust is part of a thoughtful estate plan that allows a person with disabilities to receive supplemental care without jeopardizing eligibility for Medi-Cal, Supplemental Security Income, or other assistance. We discuss trust funding options, trustee selection, and the difference between first-party and third-party trusts. This paragraph introduces the practical considerations for families in Livingston: coordinating retirement assets, life insurance planning, and potential petitions such as Heggstad or trust modification petitions when assets or court issues require formal action.
A Special Needs Trust gives families a lawful way to enhance a beneficiary’s life while preserving access to public programs and benefits. It provides a vehicle for paying for housing, education, therapies, medical items not covered by insurance, transportation, and other quality-of-life expenses. Drafting a trust with clear distribution standards and trustee powers is important to avoid unintended benefit disqualification. For Livingston residents, the trust can be coordinated with other estate documents like a general assignment of assets to trust, certification of trust, and pour-over wills to create a full plan that adapts as circumstances change.
The Law Offices of Robert P. Bergman assists families across California with estate planning, offering practical guidance on trusts, wills, and related filings. Our approach is focused on clear communication, thorough document drafting, and practical strategies to protect benefits and preserve assets for beneficiaries with special needs. We work with families to evaluate funding sources such as retirement accounts, life insurance, and family contributions, and to prepare supporting documents like HIPAA authorizations and guardianship nominations where appropriate. We aim to prepare durable, comprehensible plans that families can follow with confidence.
A Special Needs Trust is a legal arrangement created to benefit an individual with disabilities while permitting the beneficiary to remain eligible for government programs that base eligibility on resource limits. There are different types of trusts depending on the source of funding and goals: third-party trusts funded by family assets, and first-party trusts funded by the beneficiary’s own assets, each governed by specific rules. This paragraph explains general operations: a trustee manages distributions for supplemental needs, records are kept to document that benefits are not supplanted, and trust language specifies permissible uses of funds to support the beneficiary’s wellbeing.
When planning, families need to consider how the trust will be funded and who will serve as trustee. Funding can come from life insurance proceeds, retirement plan distributions routed properly, direct transfers at death via pour-over wills, or direct contributions. Trustees must balance paying for items that improve quality of life without replacing benefits paid by Medi-Cal or SSI. Coordination with financial institutions and retirement plan administrators is often necessary to name the trust appropriately as beneficiary or to designate alternative arrangements to avoid unintended tax or benefit consequences.
A Special Needs Trust is defined by its purpose: to supplement, not supplant, public assistance benefits. It holds assets for the beneficiary and gives a trustee discretion to make distributions for allowable expenses. The trust must be drafted to comply with federal and state rules so that distributions are treated as third-party benefits rather than income that could affect eligibility. Important elements include language restricting use to supplemental needs, clear trustee powers for distribution and recordkeeping, and provisions for successor trustees and remainder beneficiaries, often coordinated with other estate planning documents in an overall plan.
Successful trust drafting addresses the source of funds, trustee selection, distribution standards, and remainder beneficiaries. The process involves reviewing existing estate documents, identifying assets to fund the trust, preparing trust documents and related instruments like general assignments and certification of trust, and ensuring beneficiary designations are properly coordinated. When a trust must be funded after death, pour-over wills and probate planning may also be necessary. Proper documentation, trustee training, and periodic plan reviews help keep the trust aligned with the beneficiary’s changing needs and legal developments.
This glossary explains terms commonly used in trust planning so families in Livingston can make informed decisions. It covers terms such as first-party trust, third-party trust, supplemental needs, Medi-Cal, pour-over will, and Heggstad petition. Understanding these terms clarifies how benefits interact with private funds and what legal tools may be needed if property title or beneficiary designations require correction. Clear definitions help caregivers and trustees carry out their roles responsibly and provide a roadmap for how different documents work together in the estate plan.
A first-party Special Needs Trust is funded with assets that belong to the person with disabilities, such as a settlement or inheritance. These trusts must meet certain legal requirements to preserve eligibility for public benefits, including specific payback provisions to reimburse the state for medical assistance after the beneficiary’s death. They are often used when a person with disabilities receives funds directly and a protective trust structure is needed to preserve ongoing benefits while using the funds for supplemental needs.
A third-party Special Needs Trust is created and funded by someone other than the beneficiary, typically a parent, grandparent, or other family member. These trusts do not require state payback provisions, so remaining assets can pass to remainder beneficiaries named in the trust. They are commonly used as part of broader estate planning to ensure that assets designated for a loved one with disabilities are used only for supplemental care and do not jeopardize public benefits.
Supplemental needs refer to items and services that enhance the beneficiary’s quality of life without replacing basic needs covered by public benefits. Permitted distributions often include education, transportation, therapy, respite care, medical equipment not covered by insurance, and recreation. Trust language should be specific enough to guide trustee decisions while allowing flexibility to meet changing circumstances. Clear recordkeeping of distributions supports continued program eligibility by showing that trust funds supplement rather than replace benefit-covered services.
A Heggstad petition is a court procedure used in California to transfer assets into a trust or resolve title problems when property was intended to be part of a trust but was not properly transferred. Trust modification petitions address changes in circumstances that warrant updates to trust terms. Both processes may be necessary where the estate plan must be corrected or updated to ensure the Special Needs Trust is fully effective and assets are directed as intended, without disrupting beneficiary protections or program eligibility.
Families have various legal options including Special Needs Trusts, guardianship, powers of attorney, and beneficiary designations. Guardianship can give a party legal authority to make personal or financial decisions but may be more restrictive than alternatives. Powers of attorney and advance health care directives allow trusted agents to act for someone while they still have capacity. Special Needs Trusts specifically focus on preserving benefits while using private funds for supplemental needs. Choosing among or combining these options depends on the beneficiary’s age, capacity, asset sources, and long-term support goals.
In some cases a basic beneficiary designation or limited power of attorney may suffice to manage assets without requiring a full Special Needs Trust. For example, if the potential funds are modest and the beneficiary already has stable public benefits, a tailored designation combined with a pour-over will may provide suitable support. Families should evaluate the likely asset levels, existing public benefit eligibility, and the need for long-term management. Even when planning is modest, clarity in documents and coordination with retirement plan administrators help avoid unintended outcomes that could disrupt benefits.
Guardianship or limited conservatorship may be considered when an individual lacks decision-making capacity and there are immediate needs for representation. These options grant legal authority for decisions about health care, education, and placement, but they do not address long-term asset management or preserving eligibility in the same way a Special Needs Trust does. Families often weigh the loss of autonomy implied by guardianship against the practical necessity of decision-making authority, and consider limited alternatives such as supported decision-making arrangements or narrowly tailored directives where appropriate.
Comprehensive planning is often needed when multiple asset types, such as retirement accounts, life insurance, real estate, and settlement funds, must be coordinated to fund a Special Needs Trust without harming benefits. Long-term care needs and changing program rules require documents that anticipate future scenarios and provide trustee guidance. A fully coordinated plan can include revocable trusts, pour-over wills, powers of attorney, HIPAA authorizations, and named trustees or professional fiduciaries to handle complex distributions, tax matters, and interactions with agencies like Medi-Cal.
When assets that should have been placed into a trust remain outside it, or when beneficiary designations conflict with trust terms, court actions such as a Heggstad petition or trust modification may be necessary. A comprehensive approach anticipates these issues and addresses them proactively through correct titling, coordinated beneficiary designations, and contingency planning. Proper documentation and an up-to-date plan reduce the likelihood of court involvement, but when filings are required, coordinated legal representation helps secure the intended outcome while safeguarding benefits for the beneficiary.
A coordinated plan offers predictability and protection, allowing families to allocate resources for a beneficiary’s long-term support while preserving eligibility for government assistance. It standardizes how assets flow at death through instruments like pour-over wills and ensures retirement accounts and life insurance proceeds are handled to avoid disqualifying counts. Additionally, the plan provides clarity on trustee authority, successor arrangements, and recordkeeping responsibilities so that distributions are consistent with the beneficiary’s needs and applicable program rules.
Comprehensive planning reduces family conflict and administrative burdens by naming trusted decision makers and setting out clear guidelines for distributions and care. It can incorporate contingencies for changes in the beneficiary’s condition or in public benefit rules, and it often includes companion documents like HIPAA authorizations and guardianship nominations to address healthcare decision-making. Families benefit from peace of mind knowing there is a practical roadmap for both finances and care throughout the beneficiary’s life and beyond.
A well-drafted trust protects eligibility for Medi-Cal and SSI by ensuring that trust resources are used for permitted supplemental needs and are not counted as available assets. This protective structure helps maintain access to health coverage, housing supports, and monthly income benefits that are essential for many beneficiaries. Proper planning also anticipates common pitfalls, such as direct deposits or improperly designated accounts, and provides mechanisms to avoid benefit interruptions through consistent trustee practices and clear distribution policies.
A comprehensive trust plan names successor trustees and outlines decision-making authority to ensure uninterrupted management if a primary caregiver can no longer serve. This continuity planning includes instructions for how funds should be used, who can serve as a trustee, and how to transition trustee duties. By documenting these arrangements, families reduce the risk of court involvement and ensure the beneficiary continues to receive coordinated care and financial support according to the original intentions of the grantor.
One of the simplest yet most important tips is to review and align beneficiary designations on retirement accounts and life insurance with the trust plan. Naming the trust properly or arranging for a pour-over will ensures proceeds fund the trust as intended without unintended tax or benefit consequences. Regularly review these designations after life events such as marriages, divorces, or asset changes. Communicating the plan to family members and institutions helps prevent surprises and keeps the focus on supporting the beneficiary’s long-term needs.
Good recordkeeping demonstrates that trust funds are used for supplemental needs and supports continued eligibility for government programs. Trustees should keep receipts, maintain logs of distributions, and document communications with benefit agencies. Regular reviews of the plan, ideally every few years or after significant life or financial changes, allow updates to reflect new laws or changing beneficiary needs. Maintaining current contact information for professionals, financial institutions, and beneficiary support providers helps the trust function effectively over time.
Families choose a Special Needs Trust to protect access to public benefits while providing a source of funds for items and services not covered by those programs. This arrangement is important when a beneficiary relies on means-tested programs, or when an inheritance, settlement, or life insurance proceeds could affect eligibility. A trust also structures long-term support, names decision-makers, and sets expectations for how funds should be used. For many caregivers, the legal structure brings peace of mind by ensuring that dedicated resources remain available to enhance the beneficiary’s quality of life.
Another reason to consider a trust is to formalize financial management when caregiving responsibilities change. Aging parents, changing family dynamics, and the possibility of future care transitions make it practical to designate trustees and provide clear distribution instructions. Integrating the trust with powers of attorney and health care directives complements financial planning by addressing decision-making across situations. When multiple family members are involved, a written plan reduces confusion and offers a reliable mechanism to support the beneficiary for the long term.
Typical scenarios include receiving an inheritance or personal injury settlement, impending loss of caregiver capacity, the need to supplement benefits for therapies or educational needs, or when retirement accounts or life insurance proceeds must be directed for a loved one with disabilities. Families also consider trusts when a beneficiary’s needs are expected to outlive parental caregivers, or when siblings and other relatives wish to provide support without affecting benefit eligibility. Each situation calls for tailored planning to balance immediate needs with long-term protection.
When a person with disabilities receives a direct inheritance or settlement payment, placing those funds into a properly drafted first-party Special Needs Trust preserves access to public benefits while allowing those funds to be used for supplemental needs. The trust must include required payback provisions to comply with rules for first-party trusts, and the trustee must manage distributions in a way that complements rather than replaces public assistance. Timely creation and funding of the trust help avoid unintended benefit disqualification.
As parents and primary caregivers age or face health challenges, families often need to prepare for successor decision-making and financial management. Establishing a Special Needs Trust and naming successor trustees provides continuity in financial support, clarifies roles, and helps avoid emergency guardianship proceedings. The plan should include instructions for distribution priorities, care coordination, and steps trustees should take when transitioning responsibilities to ensure uninterrupted support for the beneficiary.
Many families seek a trust to pay for services and items not covered by Medi-Cal or SSI, such as specialized therapies, adaptive equipment, transportation, recreational activities, or residential supports that enhance independence. A trust allows discretionary spending for these purposes while preserving basic eligibility. Trustees should maintain thorough records of such expenditures and consult the trust’s distribution standards to ensure allocations align with the beneficiary’s needs and the goal of maintaining public benefit access.
We provide estate planning services that serve Livingston and neighboring Merced County communities, offering guidance on Special Needs Trusts, wills, powers of attorney, and healthcare directives. Our office can help families understand local agency requirements, coordinate with nearby care providers, and assist with county-level filings when petitions or court actions are needed. Telephone consultations and local appointments are available to discuss how to protect benefits, manage trust funding, and prepare for transitions in caregiving within the regional context.
Families rely on a law firm that offers clear communication, attentive service, and thorough document preparation. We focus on understanding each family’s goals, reviewing asset titles and beneficiary designations, and drafting trust provisions that reflect those priorities. Our practice addresses practical matters such as coordinating pour-over wills, preparing HIPAA authorizations, and arranging guardianship nominations if needed. Clients appreciate having a comprehensive plan that integrates legal, financial, and caregiving considerations in one cohesive approach.
We work closely with families to identify funding strategies like life insurance, retirement plans, and direct transfers to fund the trust appropriately. This includes helping to prepare certification of trust documents and general assignments of assets to trust when necessary. Our process emphasizes transparency, timely communication, and realistic planning that accounts for both current needs and future contingencies. By addressing administrative tasks up front we reduce the likelihood of court petitions or urgent interventions later on.
Our goal is to provide practical legal support that families can follow while navigating the complexities of public benefits and private funding sources. We draft trust language that guides trustee decisions, prepare complementary estate documents, and explain the steps to coordinate with benefit agencies. Families receive a plan tailored to their situation and assistance in implementing it, including help with funding, trustee guidance, and periodic reviews to ensure the plan continues to meet the beneficiary’s needs over time.
Our process begins with an intake meeting to learn about the beneficiary, family goals, and existing documents. We then review assets, beneficiary designations, and any current public benefit status, and recommend a trust type and related documents. Drafting follows with client review and revisions. Once documents are finalized we assist with execution, funding the trust, and guidance on trustee responsibilities. We also provide ongoing support such as updates, help with funding from probate or retirement accounts, and assistance with court filings when needed.
The initial consultation collects essential information about the beneficiary’s needs, current benefits, family circumstances, and assets. During this meeting we review existing estate planning documents, insurance policies, retirement account beneficiary designations, and any letters of intent. This stage identifies potential gaps, titling issues, or conflicts that may affect benefit eligibility or funding. The goal is to create a clear plan of action that outlines which documents should be prepared or updated to protect the beneficiary and align with the family’s objectives.
Gathering accurate financial and benefits information is essential to planning. We compile details about current public benefit enrollment, monthly income sources, assets in the beneficiary’s name, and likely future resources such as inheritances or settlements. Understanding these elements helps determine whether a first-party or third-party trust is appropriate and guides funding strategy. Clear documentation at this stage helps avoid surprises and lays the foundation for drafting trust provisions designed to maintain eligibility and address the beneficiary’s supplemental needs.
We discuss family goals for the beneficiary’s future, expectations for the trust, and who is available to serve in trustee or caregiving roles. This conversation covers distribution priorities, preferences for trustee types, and contingency plans if primary caregivers become unavailable. Defining these preferences early ensures the trust language reflects real-world needs and reduces ambiguity for trustees. We also advise on communicating the plan to family members and care providers to foster a collaborative approach to long-term support.
In the drafting phase we prepare the Special Needs Trust and accompanying estate documents, which may include a revocable living trust, pour-over will, powers of attorney, HIPAA authorization, and guardianship nominations. We also provide guidance on updating beneficiary designations for retirement accounts and life insurance to align with the trust funding plan. Clear, carefully tailored trust provisions are drafted to address permitted uses, trustee powers, recordkeeping, and remainder distributions consistent with your objectives.
Preparation includes crafting trust clauses that define permissible distributions, successor trustee procedures, and administrative powers. Ancillary documents such as advance health care directives, financial powers of attorney, and HIPAA authorizations are prepared to support comprehensive decision-making. We ensure documents are consistent and that the trust integrates with the rest of the estate plan. Clients review drafts and request revisions until the documents reflect their wishes and practical considerations for trust administration are fully addressed.
We assist in communicating with financial institutions and retirement plan administrators to implement beneficiary designations or make changes needed to fund the trust. This includes preparing certification of trust documents and, when necessary, arranging for general assignments of assets to trust. Proper coordination prevents funds from ending up outside the trust or causing unintended benefit disruptions. Our goal is to ensure that funding steps are performed correctly and that transfer instructions match the estate planning intent.
After execution, we help implement the funding plan and provide guidance for trustees on recordkeeping and distribution practices. If assets require court action to transfer into the trust, such as a Heggstad petition, we assist with filings and representation. Ongoing support includes periodic plan reviews, updates for life changes, and assistance with tax issues or interactions with benefit agencies. Trustees are given practical direction on how to administer the trust to maintain benefits and meet the beneficiary’s evolving needs.
Funding the trust can involve retitling accounts, changing beneficiary designations, assigning assets, or completing probate transfers and Heggstad petitions when necessary. We guide families through each funding step, confirm that transfers are completed correctly, and prepare any necessary documentation for institutions. Proper funding is essential to ensure the trust functions as intended and to reduce the need for future corrective court action. We also coordinate with financial advisors when complex asset types are involved.
After a trust is funded, trustees benefit from guidance on making distributions, maintaining records, and communicating with benefit agencies. Periodic reviews of the trust and related documents are recommended to reflect changes in laws, benefits rules, or the beneficiary’s condition. We provide updates and amendments as needed, and assist with any court petitions if circumstances require trust modifications. The goal is to keep the trust aligned with the family’s objectives and the beneficiary’s needs over time.
A Special Needs Trust is a legal arrangement that holds assets for a person with disabilities while allowing them to maintain eligibility for government benefits that require low asset levels. The trust provides discretionary funds for supplemental items not covered by public programs, such as therapies, transportation, education, and recreational activities. Drafted properly, the trust clarifies permissible uses and trustee powers so resources enhance quality of life without being counted as available assets by benefits agencies. Trust provisions typically specify distribution standards and successor trustees, and may include recordkeeping requirements to demonstrate that trust resources supplement benefits rather than replace them. Because rules differ for first-party and third-party trusts, planning includes deciding on the funding source and any required payback provisions. Families often coordinate the trust with other estate planning documents to ensure assets flow into the trust as intended.
Funding a Special Needs Trust can be done through various sources, including life insurance proceeds, retirement account designations, direct contributions from family members, or transfers made through a pour-over will at death. The key is to coordinate these funding methods so that the trust receives the resources without creating a resource count that would threaten benefit eligibility. When retirement accounts are involved, careful beneficiary designation and distribution planning are important to address tax and benefits consequences. For first-party trusts funded by the beneficiary’s own assets, certain legal requirements apply, including state payback provisions to reimburse public benefits upon the beneficiary’s passing. Third-party trusts funded by family members typically avoid payback obligations and allow remaining funds to pass to remainder beneficiaries as directed. Proper coordination and timely action help ensure funding occurs smoothly and achieves intended protection.
First-party and third-party Special Needs Trusts differ by who provides the funds. A first-party trust is funded with the beneficiary’s own assets, such as a settlement or inheritance, and usually must include a payback provision to reimburse the state for medical assistance paid on the beneficiary’s behalf. These trusts are useful when an individual with disabilities directly receives funds that would otherwise jeopardize benefit eligibility. A third-party trust is created and funded by someone other than the beneficiary and generally does not require state payback. Family members commonly use third-party trusts in estate plans to leave assets for a loved one with disabilities. Each type has distinct drafting requirements and implications for funding strategy, making it important to choose the type that aligns with the source of assets and long-term goals.
Choosing a trustee involves considering reliability, judgment, willingness to manage financial matters, and familiarity with the beneficiary’s needs. A trustee must make discretionary decisions about distributions, maintain records, and coordinate with benefit agencies. Some families select a trusted family member as trustee and name a professional or corporate trustee as successor or co-trustee to provide continuity and administrative support. When naming trustees, include clear successor provisions and guidance for distributions to reduce ambiguity. It is also helpful to provide trustee education and written instructions to explain intended priorities and practical steps for maintaining benefits while using trust funds. Thoughtful selection and preparation of trustees improves long-term administration and reduces potential family conflict.
A pour-over will is often used in conjunction with a revocable living trust to ensure any assets not retitled during the grantor’s life are transferred into the trust at death. For families planning a Special Needs Trust, a pour-over will can help funnel assets into the trust so that funds become available for the beneficiary’s supplemental needs without disrupting the overall plan. This mechanism provides a safety net for assets that were not previously funded into the trust. However, assets passing through a pour-over will may need probate before they enter the trust, depending on the asset type and state rules. Families should consider titling and beneficiary designation strategies during life to minimize probate and ensure timely funding of the Special Needs Trust following the grantor’s passing.
A Special Needs Trust can be modified when circumstances change, but the process depends on the trust language and the parties involved. Revocable trusts can be edited during the grantor’s lifetime. Irrevocable trusts may require court approval or agreement among beneficiaries to modify terms. When changes are needed, such as updating trustee provisions, correcting beneficiary designations, or responding to legal developments, legal steps can be taken to make appropriate adjustments while preserving the beneficiary’s protections. If assets were not properly moved into the trust, court procedures like a Heggstad petition or trust modification petition may be necessary to correct titling issues. Periodic reviews of the plan help identify needed updates before they become urgent, and having a documented process for amendments or petitions reduces disruption to the beneficiary’s support.
A Heggstad petition is a court procedure in California used to reform or correct the transfer of assets into a trust when property was intended to be part of the trust but was not properly retitled. If the grantor’s intent was to fund the trust with certain property but administrative errors prevented the transfer, a Heggstad petition can ask the court to recognize the asset as part of the trust. This may be necessary to ensure assets are available for the beneficiary and to avoid unintended probate or distribution issues. When a trust plan requires correction due to titling mistakes or conflicting beneficiary designations, pursuing a Heggstad petition helps align the estate administration with the grantor’s intent. The petition process involves filing documents and evidence of intent with the court, and may require legal representation to present the case effectively and coordinate subsequent trust administration steps.
A properly drafted Special Needs Trust generally aims to preserve benefits rather than create tax or benefits complications. However, distributions from certain trust-funded accounts, such as retirement plans, may have tax implications that need to be addressed in planning. Trustees should consult tax guidance for distributions from taxable accounts or retirement assets and coordinate with financial advisors to structure distributions tax-efficiently while maintaining benefit eligibility. Benefit reporting may require trustees to provide information to agencies about trust resources and distributions. Keeping clear records of expenditures and communications with benefit agencies is important for demonstrating that trust funds are used for supplemental needs. Trustees should be prepared to document distributions and consult with legal counsel when complex tax or benefit issues arise to ensure compliance and continuity of benefits.
In addition to the Special Needs Trust, families should consider a comprehensive set of documents including a revocable living trust, pour-over will, financial power of attorney, advance health care directive, HIPAA authorization, and guardianship nominations if needed. These complementary documents create a full estate plan addressing financial management, healthcare decisions, and emergency procedures. Together they offer a coordinated framework that supports both daily care and long-term planning for the beneficiary. Other helpful items include a certification of trust for financial institutions, general assignment forms when funding the trust, and letters of intent that outline personal preferences and daily care routines for caregivers and trustees. Providing these practical materials alongside formal documents makes it easier for trustees and caregivers to implement the plan effectively.
Trust plans should be reviewed periodically and after major life events such as births, deaths, marriages, divorces, significant asset changes, or changes in the beneficiary’s care needs. Regular reviews ensure that beneficiary designations remain aligned, trustee appointments reflect current circumstances, and trust provisions account for any changes in law or programs that affect benefits. A proactive review schedule helps identify needed updates before they create problems for the beneficiary. In addition to scheduled reviews, update the plan when important financial changes occur, such as receiving an inheritance, settlement, or changes in retirement account values. Keeping the plan current reduces the likelihood of court filings later and provides families with a reliable, up-to-date roadmap for supporting their loved one.
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