A Last Will and Testament is a foundational estate planning document that directs how your assets and personal affairs will be handled after your death. At the Law Offices of Robert P. Bergman, we provide clear, practical guidance for residents of Freedom, Santa Cruz County, to help ensure their wishes are documented and legally effective. Whether you own a home, retirement accounts, personal property, or have guardianship preferences for minor children, a properly drafted will reduces uncertainty and can simplify post-death administration for loved ones. This page outlines what a will does, who should consider one, and how we approach drafting durable, well-organized documents.
Creating a last will involves more than naming beneficiaries; it requires planning for probate, deciding on an executor, and addressing contingencies should a beneficiary predecease you. Our goal is to help Freedom residents understand the role a will plays within a broader estate plan and how it interacts with trusts, powers of attorney, and health care directives. With a thoughtful will, you can provide clear instructions for distribution, nominate guardians for minor children, and minimize administrative burdens for family members. This introduction prepares you to evaluate your needs and take the next steps toward a secure estate plan tailored to your situation.
A last will and testament provides legally recognized instructions for distributing assets, naming an administrator and setting guardianship for minor children, which can bring peace of mind and help family members avoid disputes. For Freedom residents, having a will can streamline the probate process, clarify intentions for sentimental items, and allow for personal gifting preferences. A will also works with other estate planning documents to ensure continuity of financial and health care decision making. While a will alone does not avoid probate in every situation, it remains a central document that communicates your priorities and assists loved ones in carrying out your final wishes.
The Law Offices of Robert P. Bergman serves clients in Freedom and throughout Santa Cruz County with practical estate planning services focused on clarity and client understanding. We assist individuals and families with wills, trusts, powers of attorney, and related filings, drawing on years of experience handling estate matters in California. Our approach emphasizes listening to client goals, explaining options in plain language, and preparing documents that reflect personal priorities while aligning with state law. We aim to make planning accessible, reduce uncertainty for heirs, and provide straightforward guidance throughout the process.
A last will and testament allows a person to set out directions for asset distribution, name an executor to manage the estate administration, and nominate guardians for any minor children. The will becomes effective at death and typically must be submitted to probate court to validate its terms and allow the executor to distribute assets. While wills can be simple or detailed, they should be drafted carefully to avoid ambiguities that can lead to disputes. In Freedom, and across California, a properly executed will helps survivors follow the decedent’s wishes in an efficient and orderly manner.
A will interacts with other estate planning tools such as revocable living trusts, beneficiary designations, and powers of attorney. Assets held in trust or with designated beneficiaries may pass outside of probate, so it is important to coordinate the will with other documents to achieve intended results. Additionally, a pour-over will can be used to transfer any remaining assets into an established trust. Regular updates are advisable after major life events like marriage, divorce, birth of children, or significant changes in assets to ensure the will remains aligned with current circumstances and wishes.
A last will and testament is a written declaration outlining how a person’s property and personal affairs should be handled after death. It names an executor to manage payment of debts and distribution of remaining assets to beneficiaries, and it can provide for guardianship of minor children and funeral preferences. A will must meet statutory formalities in California to be valid, including capacity and proper signing. It can be revoked or changed during the testator’s lifetime through a codicil or a new will. Understanding these aspects helps individuals in Freedom make informed choices about how to express their final directions.
A comprehensive will typically includes identification of the testator, clear beneficiary designations, executor nomination, directions for specific bequests, residuary clauses, and guardianship nominations where applicable. The process involves gathering documentation of assets and liabilities, discussing priorities for distribution, drafting clear language to minimize ambiguity, and executing the will according to California requirements. After death, the nominated executor files the will with the probate court to commence administration. Good planning includes reviewing beneficiary designations and coordinating the will with trusts and other estate instruments to carry out a cohesive plan.
Estate planning uses a set of recurring terms that are important to understand when preparing a will. Terms such as testator, beneficiary, executor, probate, residuary clause, and codicil describe roles and processes that affect how assets are distributed and how estate administration proceeds. Familiarity with these concepts helps Freedom residents make better decisions, communicate their wishes clearly, and work effectively with counsel. The following glossary entries provide concise definitions and context to help you navigate discussions and documentation related to your last will and testament.
Testator refers to the individual who creates and signs the last will and testament. The testator must have the legal capacity to understand the nature and extent of their property, the beneficiaries of the will, and the effect of signing the document. Capacity requirements ensure the will reflects the testator’s intentions without undue influence. In California, the testator must execute the will with the formalities required by law, commonly including signature and witnesses. Understanding the role of the testator clarifies who is making the directives and how those directives become legally effective after death.
An executor is the person named in the will to administer the estate after the testator’s death. Responsibilities include filing the will with the probate court, identifying and inventorying assets, paying valid debts and taxes, and distributing remaining assets to beneficiaries under the will’s terms. The executor has a fiduciary duty to act in the best interests of the estate and its beneficiaries, maintaining accurate records and following court procedures. Choosing a reliable and available executor helps ensure the administration proceeds smoothly and according to the decedent’s wishes.
A beneficiary is an individual, organization, or entity named in a will to receive property, funds, or other assets after the testator’s death. Beneficiaries can be specific, receiving particular items or amounts, or residuary, inheriting the balance of the estate after specific gifts are distributed. Clarity in naming beneficiaries, including full legal names and relationship context, helps prevent confusion and challenges. Beneficiary designations on accounts should also be reviewed to ensure consistency with the will and with any trusts or payable-on-death arrangements.
Probate is the court-supervised process by which a will is validated, assets are inventoried, debts and taxes are paid, and the remaining property is distributed to beneficiaries. The probate timeline and procedures vary by jurisdiction, and certain assets may pass outside of probate through trusts, joint ownership, or beneficiary designations. Understanding the probate process helps residents of Freedom anticipate potential timelines, costs, and steps the executor must take. Planning can reduce probate-related delays and expenses, though not every estate can avoid probate entirely depending on asset ownership and prior arrangements.
When planning how to pass assets, individuals consider a range of options including a simple last will, a revocable living trust, payable-on-death accounts, joint ownership arrangements, and beneficiary designations on retirement plans. Each option has trade-offs related to probate avoidance, privacy, flexibility, and administrative effort. A will is straightforward for expressing final wishes and naming guardians. A living trust can help assets avoid probate but requires funding and ongoing maintenance. Evaluating these options in light of family circumstances, asset types, and privacy preferences helps determine the most appropriate combination for a coherent estate plan.
A simple will can be sufficient for individuals with modest assets and straightforward distribution preferences, particularly when most assets have beneficiary designations or are jointly owned. In such situations, the primary goals are appointing an executor, naming guardians for minor children, and providing basic directives for distribution. Even with a limited approach, careful review of account designations and property titles ensures that the will coordinates with existing arrangements. Regular reviews after life changes help maintain alignment so a basic will remains effective and reflects current intentions without unnecessary complexity.
Some individuals prefer the simplicity of a will to set forth personal gifts, funeral preferences, and an executor nomination without establishing trusts or additional instruments. A will can provide clear instructions to family members and an authorized agent for administering the estate. When assets and family circumstances are uncomplicated, a straightforward will paired with powers of attorney for finances and health care directives may meet most needs. The important consideration is ensuring that the will is carefully drafted to avoid ambiguity and to reflect any beneficiary designations or joint ownership that already govern certain assets.
A more comprehensive estate plan is often necessary when individuals have substantial assets, own property in multiple forms, or have complex family situations such as blended families or beneficiaries with special needs. In these circumstances, additional documents like trusts, trust funding steps, and tailored distribution provisions can help accomplish specific goals, manage tax considerations, and protect inheritances. Coordinated planning addresses both the management of assets during incapacity and efficient transfer at death to minimize disputes and help ensure that the intended outcomes are realized in a legally sound manner.
Those seeking to reduce probate involvement, shorten administration timelines, and maintain privacy for family affairs often benefit from a comprehensive plan that includes trusts and beneficiary coordination. Trusts can transfer property outside of probate, preserve confidentiality about distribution details, and provide mechanisms for ongoing asset management. Effective planning also considers retirement accounts, life insurance, and jointly held assets to ensure beneficiary designations and titles align with the plan. A thoughtful comprehensive approach reduces uncertainty and can make estate administration more predictable for surviving loved ones.
A coordinated estate plan helps ensure that individual documents work together to meet goals such as minimizing probate, protecting minor or vulnerable beneficiaries, and preserving asset value for heirs. By aligning wills, trusts, powers of attorney, and health care directives, you reduce the risk of conflicting instructions and unintended outcomes. This holistic perspective also addresses incapacity planning so financial and medical decisions can be handled smoothly by designated agents. For Freedom residents, the benefits include clearer transitions, less family friction, and a practical roadmap for carrying out final wishes in accordance with California law.
Comprehensive planning often incorporates contingency provisions and step-by-step distribution plans that account for changing circumstances, special bequests, and long-term management needs. A plan that anticipates potential issues can help avoid litigation and minimize emotional strain on family members after a loss. In addition, coordinated documents may streamline tax considerations and administrative tasks, reducing delays in transferring property. By taking a proactive view toward legacy and family protection, individuals can ensure that their intentions are more likely to be followed and that beneficiaries receive support as intended.
One of the chief benefits of a coordinated estate plan is ensuring continuity of decision making during incapacity and after death. Powers of attorney and advance health care directives designate trusted agents to manage financial and medical issues, while wills and trusts provide instructions for distribution. This continuity reduces confusion and helps family members focus on carrying out your intentions rather than navigating legal gaps. For many families in Freedom, having a clear plan reduces the administrative and emotional burden during difficult times and provides a reliable framework for managing affairs consistently.
A comprehensive plan offers flexibility to structure distributions over time, protect assets from unintended uses, and provide for beneficiaries with special circumstances. Trusts and tailored clauses in a will can set conditions, schedule distributions, and appoint guardians or trustees to manage property responsibly. This approach supports long-term family needs while protecting inheritances from creditor claims and other risks where appropriate. Thoughtful provisions help ensure that the intended recipients receive support as planned and that assets are managed prudently for their benefit.
Begin the will drafting process by compiling a thorough inventory of assets, account statements, titles, deeds, insurance policies, and records of retirement accounts. Clear documentation helps ensure beneficiaries are named accurately and that the executor can locate and manage assets efficiently. Include any information about jointly owned property and existing beneficiary designations so that your will coordinates with those arrangements. Preparing these materials in advance saves time during drafting and provides a comprehensive picture of your estate for more precise instructions.
Life changes such as marriage, divorce, births, deaths, or significant changes in assets often necessitate updates to your will. Regular review ensures the will remains aligned with current relationships and intentions, and prevents outdated instructions that could cause confusion. When making changes, execute a new will or an appropriate amendment according to California law to avoid challenges. Coordination with other estate documents is also important so beneficiary designations and trust provisions remain consistent with your overall plan.
Many residents choose to create or update a last will and testament after life events such as marriage, divorce, the birth of a child, inheriting property, or acquiring new financial accounts. A will ensures that your property is distributed according to your wishes and allows you to name trusted individuals to manage the estate. Updating a will can correct outdated beneficiary information, reflect changed relationships, and incorporate new priorities. Taking proactive steps reduces uncertainty and helps protect the interests of family members and other intended recipients.
Additionally, a will is often the best place to provide instructions for guardianship of minor children and to express funeral preferences or charitable intentions. Even for those who already have certain assets passing by beneficiary designation, a will serves as a safety net for assets that otherwise lack designations or for personal items that hold sentimental value. Reviewing your will periodically helps ensure that legal and practical outcomes match your current intentions and that your family will have guidance during a difficult time.
A will is important in situations including when you have minor children and wish to nominate a guardian, when you have personal property with sentimental value, when your family structure is blended or complex, or when you wish to make specific bequests to friends or charities. It is also useful if you want to direct the distribution of assets that are not covered by beneficiary designations. In each case, documenting your intentions in a properly executed will can reduce disputes and clarify how you want affairs handled after your death.
If you have children under the age of 18, a will allows you to name a guardian to care for them and manage their property. This nomination informs the court and surviving family members of your preference, and can be a decisive factor in guardianship determinations. Including instructions for how guardians should manage educational, health, and financial matters for your children provides further clarity. Discussing your choices with potential guardians helps ensure they understand and accept the responsibility if the situation arises.
When you own items of sentimental value such as family heirlooms, collections, or personal mementos, a will lets you specify who should receive those items and under what conditions. Clear descriptions and recipient names help prevent disputes among heirs and ensure that treasured possessions pass to the people you prefer. Consider pairing specific bequests with instructions for distribution of the residuary estate so that all assets are addressed and family members understand your intentions for personal items that matter to you.
Blended families often require carefully drafted provisions to balance the needs of a surviving spouse with the interests of children from prior relationships. A will can lay out distribution strategies, life use provisions, or trust arrangements to accomplish multiple goals simultaneously. Clear instructions reduce the risk of disputes and help ensure that both the current partner and children from earlier relationships receive the intended support. Thoughtful drafting tailored to family dynamics helps protect relationships while fulfilling legacy objectives.
The Law Offices of Robert P. Bergman provides will drafting and related estate planning services to residents of Freedom and the surrounding Santa Cruz County communities. We focus on practical, local guidance for preparing durable documents such as last wills, pour-over wills, and coordinated estate planning instruments. Our team helps clients understand California procedural requirements, options for minimizing probate, and approaches to guardianship and distribution planning. If you live in Freedom and want to put your affairs in order, we can assist with clear, client-centered planning and document preparation.
Clients turn to the Law Offices of Robert P. Bergman for attentive, straightforward support in drafting wills and coordinating estate plans. We take time to understand individual priorities, explain available options in plain language, and prepare documents that fit personal circumstances while complying with California law. Our practice emphasizes communication and responsiveness, helping clients feel confident that their intentions are recorded accurately. For residents of Freedom, our local perspective and practical focus support orderly planning and help ensure families are prepared for transitions.
We assist with a broad range of estate planning documents including revocable living trusts, pour-over wills, powers of attorney, advance health care directives, and trust-related filings. Whether you need a simple will or a plan coordinated across multiple instruments, we provide guidance on how different tools interact and recommend practical steps to implement your wishes. Our goal is to make the process manageable, reduce stress for clients, and produce clear documents that serve as effective instructions for heirs and fiduciaries.
From initial planning through document execution, we emphasize clarity and personalized service so clients in Freedom understand each step. We help clients gather necessary information, consider guardianship nominees, and align beneficiary designations with estate documents. Our approach aims to minimize ambiguity and avoid common pitfalls that can complicate administration. For those seeking peace of mind about final arrangements, our services offer a practical pathway to establishing a last will and testament that reflects current wishes and family needs.
Our process for preparing a will begins with a conversation to understand your family, assets, and goals. We review property ownership, beneficiary designations, any existing trusts, and the need for guardianship nominations. After identifying priorities, we draft a will with clear language reflecting your instructions, propose executor choices, and outline any supporting documents such as powers of attorney or health care directives. We guide you through proper execution steps required in California and provide final copies with instructions for safe storage and future updates.
The initial stage focuses on collecting essential information about assets, family composition, existing estate documents, and personal wishes. We ask targeted questions to clarify who you want to benefit, any special bequests you wish to make, and whether guardianship or trust provisions are needed. This intake lets us recommend whether a standalone will is sufficient or whether a broader plan including a trust would better meet your objectives. The information gathering also identifies any title or beneficiary updates to coordinate with the will.
We assist clients in compiling a list of assets, including real property, bank accounts, investment accounts, retirement plans, insurance policies, and personal property. Reviewing beneficiary designations and titles helps identify assets that will pass outside of probate and ensures consistency across documents. This step reduces surprises during administration and helps ensure that distributions in the will match your overall estate plan. Accurate inventory work supports clear drafting and practical recommendations for aligning designations with your intentions.
We discuss potential guardians for minor children and nominees for executor or trustee roles, helping you consider attributes such as availability, willingness, and temperament. Naming backups for guardians and fiduciaries provides redundancy if primary nominees cannot serve. This conversation also covers how fiduciaries will be empowered to act, what duties they will have, and whether additional instructions or guidance should be included in the will to reflect your wishes for care and asset management on behalf of beneficiaries.
During drafting, we translate your instructions into precise, legally effective language designed to reduce ambiguity and align with California requirements. We prepare an initial draft and review it with you to confirm details, adjust bequests, and refine executor and guardian nominations. This collaborative review helps catch potential issues early and ensures the document expresses your intentions clearly. We also advise on coordination with trusts, beneficiary designations, and whether a pour-over will is appropriate to capture any assets not transferred to a trust before death.
We walk through the drafted will, explain key provisions, and ensure each clause reflects your desired outcome. This review stage invites questions and adjustments to language or beneficiaries, and clarifies the executor’s responsibilities. Making refinements at this stage helps prevent future disputes and aligns the document with any existing estate instruments. Our goal is to produce a final will that leaves little room for misinterpretation and that can be carried out efficiently when the time comes.
We ensure the will is consistent with powers of attorney, health care directives, trusts, and beneficiary forms. This coordination reduces the risk of conflicting instructions and promotes a seamless plan for incapacity and distribution. If a living trust is part of the strategy, we discuss pour-over will options to capture any assets not transferred into the trust during life. Proper coordination ensures that all documents together produce the intended legal and practical outcomes for beneficiaries and fiduciaries.
After finalizing the will, we guide you through proper execution to satisfy California formalities, including signatures and witnessing requirements. We recommend safe storage options and provide guidance on sharing copies with trusted individuals or fiduciaries as appropriate. Periodic review and updates after major life events ensure the will remains current. We also advise on keeping beneficiary designations and titles aligned with the will to prevent unintended results and to preserve the integrity of your overall plan.
Proper execution is essential to the validity of a will. We explain the witnessing and signing procedures required under California law and arrange for execution in a way that provides evidence of intent and capacity. Clear execution reduces the likelihood of will contests and supports smooth probate proceedings if needed. We also discuss options for notarization where appropriate and provide guidance on who should hold original documents for safekeeping to balance accessibility and protection.
Estate plans should be revisited periodically, especially after significant life events such as marriage, divorce, births, deaths, or changes in financial status. We encourage clients to review beneficiary designations, property titles, and trust funding to maintain consistency across documents. If updates are needed, a codicil or a new will can be executed to reflect revised wishes. Regular maintenance helps ensure the plan remains effective and up to date, reducing the risk of disputes and facilitating efficient administration when the time comes.
A will is a document that directs how assets are distributed after death, names an executor, and can appoint guardians for minor children. It typically must pass through probate to transfer assets under court supervision. A trust, such as a revocable living trust, is an arrangement where legal title to assets is held by a trustee for beneficiaries according to trust terms and can allow assets to pass outside of probate. Trusts can provide continuity of management and privacy, while wills remain important for naming guardians and handling assets not placed in a trust. A trust may include more detailed provisions for ongoing management of assets and may be useful for avoiding probate for assets that are properly titled in the trust’s name. The choice between a will and a trust depends on factors like asset type, privacy concerns, family dynamics, and administration preferences. In many cases a coordinated approach using both a trust and a pour-over will provides comprehensive coverage, ensuring assets not transferred during life are directed into the trust at death.
Even if you have a living trust, it is prudent to have a pour-over will to capture assets that were not transferred into the trust during your lifetime. A pour-over will directs any remaining probate assets into the trust so they will ultimately be administered under the trust terms. In addition, a will allows you to nominate guardians for minor children and provide instructions for personal matters that a trust may not address. The will remains a safety net to catch items omitted from trust funding. Maintaining both a trust and a will requires periodic review to ensure beneficiary designations and asset titles remain consistent. Proper funding of the trust during life reduces the assets that must go through probate, but a pour-over will ensures that no property is left without directions. Coordination of documents is important so your overall plan functions as intended under California law and your personal goals.
To name a guardian for minor children in a will, clearly state the nominated guardian’s full name and any contingent guardians as backups. Include any preferences for how the guardian should manage the child’s care and property, such as living arrangements or educational priorities. Discuss the nomination with the proposed guardian to confirm willingness to serve. While the court has the ultimate authority to approve guardianship, a clear nomination in a will is highly persuasive and provides guidance to the court and family. It is also wise to name a manager or trustee who would handle any assets left for the child’s benefit. Providing instructions for the use of funds and naming a reliable fiduciary helps ensure that resources are used in the child’s interest. Regular review of guardian nominations is important, particularly after changes in family circumstances or relationships.
Yes, you can change your will at any time while you have legal capacity. Revisions can be made through a codicil, which amends the existing will, or by drafting and executing a new will that revokes prior versions. When making changes, it is important to follow California execution requirements for signatures and witnesses to ensure the revised document is valid. Properly executed updates reduce the risk of confusion and will contests after your death. Avoid making informal handwritten changes without following formal procedures, as informal alterations may be ineffective and create disputes. If major changes are needed, creating a new will and clearly revoking prior versions provides the cleanest approach. Keep copies and notify relevant fiduciaries where appropriate so everyone is aware of the current document.
If you die without a will in California, your estate will be distributed according to state intestacy laws. These rules prioritize spouses, children, and other close relatives, but they may not reflect your personal wishes for distribution or guardianship. The court will appoint an administrator to handle estate matters, and without a will you will not have named an executor or guardian, which can create additional decisions for the court to make on behalf of your family. Dying intestate can also lead to outcomes that may not align with blended family plans, charitable intentions, or specific personal bequests. For these reasons, preparing a will can ensure your preferences are honored and reduce uncertainty for loved ones during administration. A will also allows you to nominate trusted individuals to act on behalf of your estate and children.
An executor is typically chosen by the person creating the will and named in the document. The executor’s role is to file the will with probate court, inventory assets, pay valid debts and taxes, and distribute remaining property to beneficiaries according to the will. Executors have fiduciary responsibilities to act honestly, keep accurate records, and follow legal procedures. Choosing an accountable, available person helps facilitate an orderly administration process. If the named executor is unable or unwilling to serve, the court will appoint an administrator to fulfill those duties. Executors may be individuals or professional fiduciaries; the important considerations are trustworthiness and ability to manage the required tasks. Clear documentation and communication with the chosen fiduciary help reduce delays and misunderstandings during estate administration.
Whether a will avoids probate depends on how assets are owned and whether beneficiary designations or trusts are in place. A will alone typically must be submitted to probate to validate its terms and allow the executor to distribute probate assets. Assets that pass by beneficiary designation, joint ownership, or trust ownership may avoid probate, reducing court involvement for those items. For many estate plans, combining a will with trusts and beneficiary coordination helps limit the scope of probate while ensuring all assets are addressed. Individuals seeking to minimize probate should review asset titles, account beneficiaries, and trust funding strategies. A living trust properly funded during life can allow many assets to transfer outside of probate, but a pour-over will often complements a trust to capture any remaining probate assets. Coordination and periodic review help ensure your intentions are achieved with minimal court administration.
It is recommended to review your will after any major life event such as marriage, divorce, birth or adoption of a child, death of a beneficiary or fiduciary, significant changes in assets, or relocation to another state. These events can affect how your instructions will be carried out and whether your beneficiary designations or fiduciary nominations remain appropriate. Periodic reviews every few years are also practical even without major changes, as laws and personal circumstances can evolve over time. Updating your will when necessary ensures that the document accurately reflects current wishes and family dynamics. If changes are needed, follow formal procedures to execute a new will or codicil under California requirements to ensure the modifications are legally effective and reduce the risk of post-death disputes.
For an initial will planning meeting, bring a list of assets and liabilities, recent account statements, titles or deeds to real property, current beneficiary designations for retirement accounts and insurance policies, and any existing estate planning documents. Also prepare personal information about family members, including full legal names and contact details for potential beneficiaries and fiduciaries such as executors or guardians. Having this information ready allows for a productive discussion of distribution priorities and planning options. Additionally, consider any personal wishes for funeral arrangements, charitable gifts, or guardianship preferences, and be prepared to discuss how you would like to handle sentimental items. Clear documentation and thoughtful consideration of your priorities help craft an effective will that aligns with your goals and provides comprehensive guidance for loved ones and fiduciaries.
Beneficiary designations on accounts like retirement plans, life insurance, and payable-on-death bank accounts generally govern the distribution of those assets and can override instructions in a will for those specific accounts. It is important to review and coordinate beneficiary forms with your will to avoid conflicts or unintended results. Assets without beneficiary designations or those held solely in the decedent’s name are typically distributed according to the will and subject to probate procedures. To ensure consistency, review beneficiary forms when drafting or updating your will and make changes where necessary. A coordinated approach reduces the risk of contradictory instructions and helps confirm that retirement accounts and insurance proceeds pass as you intend alongside your will-based distributions.
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