Estate Planning for Unmarried Couples: How to Protect the Life You’ve Built Together

Melbourne, Florida, offers its residents a beautiful blend of coastal living and community spirit. While enjoying the sunshine and lifestyle is a priority, securing your future and the financial well-being of your loved ones is equally vital. This requires careful and intentional estate planning. Estate planning is more than just drafting a will; it's a comprehensive process of managing your assets during your life and dictating how those assets, and your personal affairs, will be handled after your death or incapacitation. Unfortunately, many Melbourne residents make avoidable mistakes that can lead to costly probate, unnecessary taxes, and painful family disputes. At Sibley Law & Associates, PLLC, we guide our clients through the complexities of Florida law with clarity and compassion. Attorney Dee Sibley, Founding Attorney Sibley Law & Associates, PLLC is one of Melbourne, Florida's Top Estate Planning Lawyers. Planning For Life...Building For Legacy. Book Your Consultation Today. Our mission is to help you build a robust legacy by anticipating and avoiding these common pitfalls. The Mistake of Procrastination and Inaction The single most frequent error Melbourne residents make is believing they have plenty of time. Estate planning often feels like a task that can be put off until retirement or until a major life event occurs. This delay, however, creates massive risk. Failing to Have Any Plan at All If you pass away without a legally valid will or trust, you die intestate. In Florida, this means the state—not you—decides who inherits your assets based on the laws of intestacy. Florida Intestacy Laws: Your assets will be distributed according to a rigid hierarchy, prioritizing surviving spouses, children, parents, and then siblings. This statutory distribution may completely contradict your wishes—perhaps leaving out a cherished friend, a favorite charity, or even an unmarried partner. Guardianship Battles: If you have minor children, failing to name a legal guardian in a will forces a court to make that deeply personal decision. This process can be stressful, expensive, and result in a guardian choice you might not have approved. Relying Only on a Simple Will While a will is better than no plan, relying solely on a will can be a significant mistake in Florida. The Necessity of Probate: A will must go through the probate process, a public, court-supervised procedure that can be lengthy (often taking six months to a year, or longer), expensive (involving court fees and attorney fees), and exposes your financial details to public record. Delayed Access to Funds: During probate, your family often cannot access the assets they need for living expenses, creating immediate financial hardship. The primary solution here is often the use of a Revocable Living Trust (RLT), which allows assets to pass directly to beneficiaries outside of the probate court, offering privacy and expediency. Common Errors in Document Preparation and Asset Ownership Even when people take action, critical errors in how documents are drafted or how assets are legally titled can completely derail the intended plan. 1. Improperly Titling Assets One of the most critical errors is failing to align the ownership of your assets with your estate planning documents. Your will or trust may state that your house goes to your children, but the title on the deed determines who actually owns it. Ignoring Beneficiary Designations: Many assets, such as life insurance policies, retirement accounts (401(k)s, IRAs), and annuities, are non-probate assets. They pass directly to the person named on the beneficiary designation form, regardless of what your will says. Mistake: Naming an ex-spouse or an incapacitated person as the beneficiary, or, worse, naming “My Estate”—which pulls the asset into probate. Solution: Regularly reviewing and updating these forms to ensure they coordinate perfectly with your overall trust or will structure. Joint Tenancy Pitfalls: Titling a bank account or property as Joint Tenants with Right of Survivorship (JTWROS) means the asset immediately passes to the surviving joint owner. If you name one child as a joint owner to "avoid probate," that child legally owns the entire asset upon your death and has no legal obligation to share it with their siblings, often leading to family conflict. 2. Ignoring Incapacity Planning Estate planning is not just about death; it’s about planning for life. If you become mentally or physically unable to manage your affairs, someone needs the legal authority to act on your behalf. Missing Powers of Attorney (POAs): Failing to execute Durable Power of Attorney for finances and a Health Care Power of Attorney (or Designation of Health Care Surrogate) means your family will likely have to petition a Melbourne court for a Guardianship (or Conservatorship). This is a public, intrusive, and expensive legal battle to prove you are incapacitated. No Living Will: A Living Will documents your specific wishes regarding life-sustaining treatment (e.g., feeding tubes, ventilation) if you are terminally ill and unable to communicate. Without it, your loved ones are forced to guess, creating emotional turmoil during a crisis. Florida Specific Pitfalls for Melbourne Residents Florida law has specific rules regarding assets and dependents that must be considered to avoid unnecessary tax liability and probate issues specific to the Sunshine State. 3. Overlooking Florida Homestead Protection Florida offers incredible Homestead protection from creditors, but it also imposes strict limits on how you can transfer your primary residence if you are survived by a spouse or minor children. The Restriction: If you have a spouse or minor child, you generally cannot freely devise your Homestead property in your will or trust. If you attempt to do so, the law will dictate how the property passes, often resulting in complex legal arrangements like a life estate for the spouse and a remainder interest for the children. Solution: Strategic planning is required to ensure the property passes to your intended heirs while still preserving the critical Homestead creditor protection. 4. Failing to Plan for Estate Tax and Medicaid While federal estate tax only affects large estates, proper planning is essential for minimizing state-level complexities and protecting assets from future needs. Gifting and Annual Exclusion: Many people try to reduce their taxable estate by making large gifts without understanding the annual exclusion limits (currently $18,000 per person per year, as of 2024). Large gifts made within a certain timeframe can have Medicaid implications if long-term care becomes necessary. Poorly Drafted Trusts: Simply having a trust is not enough. If trusts are not drafted with appropriate language— such as spendthrift provisions—the assets held within them may not be protected from creditors or may be subject to unnecessary future taxes for your beneficiaries. Building Your Legacy with Expert Guidance Estate planning is a process of love and responsibility. The mistakes outlined above—procrastination, misalignment of asset titles, and overlooking Florida-specific rules—are common, but entirely preventable with professional guidance. Taking the time now to create a comprehensive and customized plan saves your family immeasurable time, stress, and expense later. As one of Melbourne, Florida's top estate planning lawyers, Attorney Dee Sibley and the team at Sibley Law & Associates are committed to ensuring your plan protects your assets, provides for your loved ones, and honors your wishes. We don't just draft documents; we build legacies. Attorney Dee Sibley, Founding Attorney Sibley Law & Associates, PLLC is one of Melbourne, Florida's Top Estate Planning Lawyers. Planning For Life...Building For Legacy. Book Your Consultation Today. Don't wait until it's too late. Book Your Consultation Today with Sibley Law & Associates to review or create your personalized estate plan.

November is a time of reflection. As we gather with our families — for holidays, connection, or simply comfort — we’re reminded of what truly matters. This season, instead of focusing on what you’ll give this year, we invite you to consider a different kind of gift: The peace of knowing your family is protected. Estate planning is one of the most powerful ways to love your family. Not just in theory — but in action. It's about making sure that if something unexpected were to happen, the people you love would be protected, supported, and clear on what comes next. At Sibley Law, we believe it’s one of the greatest acts of care you can offer. Estate Planning Is About People — Not Just Paperwork When people think of estate planning, they often picture a set of documents: a will, a trust, powers of attorney. But true planning goes far beyond that. Estate planning, done the right way, is about clarity, protection, and love. It’s about ensuring your wishes are known and your loved ones are not left scrambling during one of the hardest moments of their lives. It’s not a transaction — it’s a relationship. A conversation about what’s important, who matters most, and how to keep them safe. A well-designed plan makes life easier for the people you care about. It ensures that they have not only the documents in place — but also the guidance, authority, and resources to make good decisions and carry out your wishes with confidence. Imagine your family trying to piece together your affairs without knowing what accounts exist, how bills are paid, or who should step in if you were unable to make decisions. Now imagine the alternative: a system where they know exactly what to do and who to call — where your instructions are clear, your assets are protected, and your love is felt even in your absence. That’s what we do at Sibley Law. That’s the gift of thoughtful estate planning. What Happens When Families Don’t Plan We’ve seen firsthand what happens when families put off planning — or believe they don’t need it because “they don’t have much.” But planning isn’t about wealth. It’s about people. If there’s anyone you love, you need a plan. We’ve supported families through heartbreak that could have been avoided: frozen bank accounts, unnecessary court fees, lost heirlooms, and painful disputes. Often, these situations don’t stem from malice — they happen because there was no clear plan. Even well-meaning families can end up in conflict when a parent’s wishes weren’t clearly documented or when siblings have different interpretations of what "should" happen. These conflicts can damage relationships permanently. And perhaps most heartbreaking of all is the illusion of planning — documents created years ago that no longer reflect current relationships, updated laws, or new assets. When those plans fail, the result isn’t just legal headaches — it’s emotional pain, broken trust, and financial loss. We often hear, “We thought we had everything in place.” But planning isn’t something you do once and forget. It needs to be reviewed, updated, and built to evolve with your life. That’s what sets Sibley Law apart — our planning is not a one-time event. It’s a living, breathing system that grows with you. What Real Planning Looks Like at Sibley Law At Sibley Law, we use a process called Life & Legacy Planning® , a comprehensive, relationship-based approach to ensure your plan works — not just when it’s signed, but when your family needs it. It all begins with a Life & Legacy Planning Session — a working meeting where we walk you through what would happen if something happened to you right now. This session helps you see clearly where your plan stands and what’s missing. From there, we help you create a plan that reflects your values, protects your assets, and — most importantly — protects your people. A real plan doesn’t stop with legal documents. We include: A full inventory of your assets, so nothing gets overlooked. Legal documents that reflect your specific family dynamics. Clear instructions for your loved ones. Systems for updating your plan as your life evolves. Built-in reviews to keep your plan current. A trusted relationship with our firm so your family has someone to call. And perhaps most special of all — we offer the opportunity to include legacy interviews , where you record messages, stories, or lessons you want passed down. These are the kinds of things your family will cherish most — far beyond financial wealth. This is what we mean when we say we’re not just your law firm — we’re your Personal Family Lawyer® Firm. Real Stories. Real Peace of Mind We’ve had clients walk out of our office saying, “I didn’t expect this to feel so good.” Estate planning, when done right, is empowering. It brings peace. It removes fear. And it shifts the focus from “what if something goes wrong” to “how do I protect what’s right.” Whether you’re a young family just starting out, caring for aging parents, navigating a blended family, or looking ahead to retirement — our team will meet you where you are and help you move forward with clarity. A Note for Those Who Have Already Planned If you already have a plan in place — that’s a great first step. But here’s the question: Does it still reflect your life today? Have your relationships changed? Have you moved to Florida or purchased new property? Have you had children or grandchildren? Have you started a new business or acquired new assets? If anything has changed — or if it’s been more than 3 years since you reviewed your plan — it’s time for a check-in. Our complimentary Discovery Call is a simple way to make sure everything is still aligned with your goals. The Gift of Legacy This holiday season, while you’re thinking about what to give — give the one thing that outlasts all others: peace of mind . Protect your family. Clarify your wishes. Make the hard moments a little easier for the people you love most. Let this be the year you take the first step — or take the next one. Here’s How to Start We invite you to schedule a c omplimentary 15-minute discovery call with our team. There’s no pressure and no commitment — just a conversation to help you understand where you stand and how we can help. Schedule your Discovery Call Check out our upcoming events here! You’ll walk away more informed, more empowered, and one step closer to peace of mind. With warmth and gratitude, Attorney Dedra Sibley & the Sibley Law Team Protecting Families. Building Legacies. This article is a service of Sibley Law , a Personal Family Lawyer® Firm. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That’s why we offer a Life & Legacy Planning Session , during which you’ll get more financially organized than ever before and make the best choices for the people you love. Contact us today at https://www.legacylawyeratsibleylaw.com/contact to schedule your session. The content is sourced from Personal Family Lawyer® for use by Personal Family Lawyer® firms, a source believed to be providing accurate information. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal, or investment advice. If you are seeking legal advice specific to your needs, such advice services must be obtained on your own, separate from this educational material.

As a resident of Melbourne, Florida, you enjoy the beautiful beaches, the Space Coast culture, and the sunshine that makes this area special. It’s easy to focus on today and put off planning for tomorrow. However, the decision to delay or forgo estate planning is one that can have profound and unintended consequences for your loved ones. Simply put: if you don’t create an estate plan, the State of Florida has already written one for you—and it almost certainly won't reflect your actual wishes. Attorney Dee Sibley, Founding Attorney at Sibley Law & Associates, PLLC , is one of Melbourne, Florida's Top Estate Planning Lawyers. Our motto is: Planning For Life...Building For Legacy. We’ve helped countless individuals and families in Brevard County secure their future, and we urge you to understand what happens when you leave your legacy to chance. Book Your Consultation Today. The Default Plan—Florida’s Intestacy Laws When a person passes away in Florida without a valid Last Will and Testament or other legal transfer mechanisms (like a Trust), they are said to have died intestate. This means their assets that are subject to probate—known as the probate estate—will be distributed according to the rules of intestate succession found in the Florida Statutes. This scenario is far from ideal. Instead of your wishes being honored, a rigid set of government rules determines who inherits your property, who manages your estate, and even who raises your minor children. This entire process is controlled by the court system in a lengthy, public, and expensive procedure called probate . The Consequences of Dying Intestate in Melbourne, Florida The lack of an estate plan triggers a series of undesirable legal and financial consequences that can inflict stress and expense on your surviving family. The Distribution of Your Assets is Controlled by the State Florida’s intestate succession laws follow a strict family tree hierar chy that dictates who gets what. This system makes no distinction between a close relative and an estranged one; it follows only blood or legal ties . Who Actually Inherits Your Property? If you are married and have no children (or all of your children are also the children of your surviving spouse): Your spouse inherits everything. If you are married and have children from a previous relationship (or your spouse has children from a previous relationship): Your surviving spouse inherits only half of your intestate property, and your descendants (children, grandchildren, etc.) inherit the other half. This often results in complex co-ownership situations between a new spouse and adult children. If you are single and have children: Your children inherit everything, divided equally. If you have no spouse or descendants: The estate passes to your parents, then to your siblings, and so on t o more distant relatives. The Takeaway: The state's formula may completely cut out a life partner you never legally married, a beloved charity, a close friend, or a stepchild you raised. Probate is Time-Consuming, Expensive, and Public In Melbourne (Brevard County), a lack of planning guarantees that your estate will go thro ugh probate—a court-supervised process that transfers property from the deceased to their heirs. The Financial Toll of Probate Probate is notori ously expensive in Florida, and the costs are paid directly from your estate, reducing the inheritance your family receives. Costs include: Statutory Attorney’s Fees and Personal Representative Fees: Florida law sets a percentage scale for "reasonable" fees based on the value of the probate estate. For example, a $300,000 estate could incur thousands of dollars in fees for both the attorney and the personal representative. Court Filing Fees: Mandatory costs to open and maintain the case in the Brevard County court system. Appraisal and Accounting Costs: Necessary for valuing and managing the assets. The total cost can easily consume $\mathbf{3\%}$ to $\mathbf{7\%}$ or more of your estate's value, which is money that could have been preserved for your heirs through proper planning. The Delay and Lack of Privacy Significant Delays: Simple probate often ta kes six months to a year, and more complex or contested estates can take several years. During this time, your assets are essentially frozen, creating financial hardship for your family. A Public Record: All documents filed in the Brevard County probate court—including a list of your assets, your debts, and who receives your property—becom e a matter of public record. Anyone can look up the details of your private financial life. Lost Control Over Key Decisions An estate plan is not just about distributing money; it's about making essential personal and financial decisions for yourself and your family. Without it, you lose all control. Guardianship for Minor Children For paren ts of minor children, this is arguably the most serious consequence. Your Last Will and Testament is the only legal document where you can nominate a guardian to raise your children if you and the other parent pass away. Without one, the court must appoint a guardian. This could lead to a drawn-out, emotional guardianship hearing where relatives may fight over custody, and a judge who knows nothing about your children's needs or your family's values will make the final, p ermanent decision. Managing Incapacity An estate plan is also your safeguard ag ainst incapacity due to an illness or accident. Documents like a Durable Power of Attorney and a Designation of Health Care Surrogate are vital. Without them: Your family may have to petition the court for a Guardianship of the Property (for finances) or a Guardianship of the Person (for medical care). A guardianship proceeding is incredibly costly, time-consuming, and takes control away from your family, giving it to a court-appointed professional or a family me mber the judge chooses. Florida’s Complex Homestead Protections In Florida, your primary reside nce (Homestead) has constitutiona l protections that often complicate inheritance, especially without a Will. Unintended Property Ownership If you pass away without a Will and are sur vived by a spouse and descendants, your spouse doesn't simply inherit the home outright. Instead, your spouse is granted a life estate (the right to live in the home for life), with the descendants inheriting the property outright after the spouse passes away. This forces the spouse and children to co-own the property, which can create immediate, paralyzing conflicts over taxes, insurance, maintenance, and the ability to sell or mortgage the home. The surviving spouse may elect to take a half interest as a tenant in common, but this als o requires court involvement and does not guarantee peace among the co-owners. The Power of Planning with Sibley Law The question isn't whether you need an estate plan in Melbourne, Florida, but how soon you need to create one. Relying on Florida's default rules of intestacy guarantees stress, expense, delays, and a loss of control for your loved ones. You sacrifice your privacy and risk family conflict over who gets your most cherished posse ssions and, more importantly, who cares for your children. Attorney Dee Sibley and her team at Sibley Law & Associates, PLLC are committed to helping you put a personalized, comprehensive, and clear plan in place. We don't just draft documents; we help you articulate your values and solidify your legacy. Taking control now means avoiding the costs, delays, and public scrutiny of probate for your family later. Don't let the State of Florida decide your legacy. Take the first step to Planning For Life...Building For Legacy. Book Your Consultation Today with one of Melbourne, Florida's Top Estate Planning Lawyers.

Most people who meet with an estate planning lawyer expect a standard “initial consultation.” You meet, answer a few questions about your family and assets, and walk away with a quote for a will or trust. It sounds simple — but that’s the problem. This transactional approach often leads to confusion, incomplete planning, and false peace of mind. Too many Florida families think their plan is “done,” only to discover later that critical gaps leave loved ones unprotected. At Sibley Law & Associates , we believe your first meeting should do more than check boxes. It should give you clarity, control, and confidence — and set the foundation for a plan that actually works when your family needs it most. That’s why we don’t offer a typical consultation. We offer a Life & Legacy Planning® Session — a focused, working meeting designed to help you make fully informed decisions about your family, your assets, and your future. The Problem with a Typical Consultation A standard consultation usually focuses on what documents you “need” — a will, trust, power of attorney, and health care directive — along with what they’ll cost. But this kind of approach skips the heart of the matter: what truly matters to you . It often means the lawyer doesn’t have a process in place to understand your family dynamics, your goals, or how Florida law actually applies to your situation. One-size-fits-all pricing or “packages” are red flags that you may not be getting guidance customized to your family’s reality. At Sibley Law, we take the opposite approach. What Makes the Life & Legacy Planning® Session Different Our Life & Legacy Planning® Session is a hands-on two-hour meeting that walks you step-by-step through how the law applies to you, your loved ones, and your assets — right here in Florida. We start by showing you exactly what would happen if something were to happen to you today — under Florida law — so you can see where your current plan (or lack thereof) might leave gaps. Most clients are surprised by what they learn. From there, we walk through the decisions that matter most: Who would step forward for your children or aging parents? How can you ensure your family avoids court and conflict? Would you want your financial and personal matters to remain private? How would your loved ones access your accounts, passwords, or digital assets? These are the real-life questions that determine whether your plan will work — not just when things go smoothly, but when life happens. A Plan That Reflects Your Family and Your Values Estate planning isn’t about documents — it’s about people. During your Life & Legacy Planning® Session , we’ll take the time to understand your loved ones, your priorities, and your values. Maybe your focus is protecting your spouse’s future, ensuring your children are cared for the way you want, or keeping your affairs private. Maybe you own property in multiple states or run a family business that needs to stay operational. Whatever matters most to you, this process helps you align your plan with your goals — and gives you confidence that everything you love will be cared for exactly as you intend. We also go beyond finances. For most families, the most valuable inheritance isn’t money — it’s guidance, stories, and wisdom. Through our Life & Legacy Planning® Process , we help you capture and preserve those intangible assets, ensuring your legacy carries far more meaning than what’s written on paper. What to Expect in the Session During your Life & Legacy Planning® Session, we will: Educate you about Florida law and how it applies to you: We’ll clearly show you what would happen if you became incapacitated or passed away today — so you can make informed, proactive choices. Review your family dynamics and financial picture: You’ll complete a personal asset inventory before the meeting, and we’ll go through it together. This ensures no asset — or family member — is left out. Clarify your goals and priorities: Everyone’s plan looks different. Some want to protect their children’s inheritance from divorce or creditors; others want to minimize taxes or maintain privacy. This session gives you space to define what’s most important. Choose the right plan and path forward: By the end of the session, you’ll know exactly what options are available, how they work in real life, and which fits your budget and goals. You’ll leave with full transparency — no surprises, no guesswork. Why It Matters The Life & Legacy Planning® Session is more than a meeting — it’s the foundation of a lifelong relationship with a law firm that’s committed to keeping your plan up to date as your life changes. Traditional consultations stop at “what” you need. Our Session gives you the why and the how behind every decision. When you leave, you’ll have: Clarity about what would happen if something happened to you today. Confidence that your choices reflect your values. Peace of mind knowing your family will be cared for when they need it most. That’s the difference between an estate plan that works — and one that fails. Your Next Step If you’ve been putting off estate planning because it felt transactional, complicated, or overwhelming — you’re not alone. Our mission is to make the process educational, empowering, and personal. You’ll leave with clarity and the assurance that your plan will work for the people you love. To get started, we offer two simple ways to begin: Attend a Free Estate Planning Seminar: Join us for one of our upcoming Estate Planning Essentials events. These sessions are designed to give you a clear overview of how planning works in Florida, common mistakes to avoid, and how our Life & Legacy Planning® Process can protect your family. When you attend a seminar, your Life & Legacy Planning® Session fee is waived. Schedule a 15-Minute Discovery Call: Prefer to start one-on-one? Book a short call with our team to determine whether our process is the right fit for your family. During this call, we’ll answer your initial questions, explain what to expect, and help you decide the best next step. Start by registering for a seminar or scheduling your Discovery Call today — and take the first step toward protecting your family and your peace of mind. Check out our upcoming events here! Schedule your Discovery Call This article is a service of Sibley Law , a Personal Family Lawyer® Firm. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That’s why we offer a Life & Legacy Planning Session , during which you’ll get more financially organized than ever before and make the best choices for the people you love. Contact us today at https://www.legacylawyeratsibleylaw.com/contact to schedule your session. The content is sourced from Personal Family Lawyer® for use by Personal Family Lawyer® firms, a source believed to be providing accurate information. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal, or investment advice. If you are seeking legal advice specific to your needs, such advice services must be obtained on your own, separate from this educational material.

When it comes to aging, most people assume someone, a spouse, children, or a close friend, will be there when care is needed. But today, more adults are facing the reality of growing older without reliable support. According to AARP, more than 16 million adults over 65 live alone, and 77% report having no plan for living assistance as they age. Even when family lives nearby, aging can create unexpected challenges that strain relationships and leave loved ones scrambling to make decisions. At Sibley Law, we believe estate planning is about more than documents. It’s about planning for life and building for legacy —ensuring your care, dignity, and wishes are honored no matter what the future holds. The New Reality of Aging Alone Imagine reaching your 80s and realizing you haven’t seen another person in two weeks. For many older adults, this isn’t imagination, it’s daily life. In rural areas, nonprofits like Mountain Empire Older Citizens provide the only human contact some elders receive. But even in suburban and urban communities, divorce, longer lifespans, and family spread across states mean more people will age without an immediate support system. Even those with financial resources find themselves unprepared. Care workers are in short supply, waiting lists for services are long, and without a plan, individuals risk being left without reliable support Why Assumptions About Care Cause More Harm Than Good Too often, families avoid hard conversations about care, operating instead on assumptions: “Mom always said she wanted to stay at home.” “Dad would never want to go to a nursing home.” But when dementia or chronic illness enters the picture, those assumptions quickly unravel. Without clear, written instructions, adult children may argue for months over the “right” care path. Meanwhile, relationships fray, conditions worsen, and the parent ends up in a situation nobody wanted. Even old estate plans may no longer reflect current wishes. Laws change. Families change. What seemed like a good solution ten years ago may not protect you today. How Life & Legacy Planning Protects You and Your Loved Ones A Life & Legacy Plan provides a clear roadmap that reduces stress, prevents conflict, and ensures your wishes are followed. At Sibley Law, our process does more than address legal documents—it gives families confidence, clarity, and peace of mind. With a Life & Legacy Plan, you can: Ensure your care matches your wishes – Decide now whether you want to age at home, in assisted living, or in another setting. Reduce family conflict – Clear documentation prevents disagreements among children and loved ones. Protect your autonomy – Your plan speaks for you when you can’t, preserving your dignity and control. Secure your assets – Keep everything you’ve worked for titled, preserved, and directed to those you care about. Stay current – Regular reviews ensure your plan works when life and laws inevitably change. This isn’t about money alone. It’s about protecting your dignity, your family, and the relationships that matter most. Take the Next Step: Protect Yourself and Those You Love The realities of aging are unavoidable—but uncertainty doesn’t have to be. With a Life & Legacy Plan , you can: Provide clear instructions for your care Prevent your loved ones from being put in an impossible position. Give your family the priceless gift of clarity and peace of mind. It begins with a Life & Legacy Planning Session —a working session where you’ll: Discover what would happen to your assets and loved ones today if something happened to you. Create an inventory of everything you own so nothing is lost or overlooked. Explore your family dynamics, values, and goals. Choose the right plan that reflects your wishes and budget. 📞 Schedule your 15-minute discovery call today to get started . At Sibley Law, we don’t just draft documents—we build plans that protect families, honor dignity, and safeguard legacies. 👉 Are you ready to capture what matters most? Click here to schedule your complimentary 15-minute discovery call and take the first step toward preserving your family’s priceless legacy. This article is a service of Sibley Law , a Personal Family Lawyer® Firm. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That’s why we offer a Life & Legacy Planning Session , during which you’ll get more financially organized than ever before and make the best choices for the people you love. Contact us today at https://www.legacylawyeratsibleylaw.com/contact to schedule your session. The content is sourced from Personal Family Lawyer® for use by Personal Family Lawyer® firms, a source believed to be providing accurate information. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal, or investment advice. If you are seeking legal advice specific to your needs, such advice services must be obtained on your own, separate from this educational material.

At Sibley Law & Associates, we know estate planning is about more than documents. It’s about people, memories, and the values that connect generations. A client once told me she would give anything to hear her grandmother’s voice again. Her grandmother had been the heart of the family—the one who told stories about how she survived the Great Depression and how she fell in love with her husband. But when she passed away, those stories went with her. They had never been written down or recorded, and now an entire chapter of the family’s history was gone forever. Every day, families lose stories like these. Recipes, traditions, lessons, and memories vanish when the storytellers are no longer here. But you don’t have to let that happen in your family. With the right planning, you can capture these irreplaceable pieces of history and ensure they live on as part of something greater—a legacy that guides, inspires, and connects future generations. Why Family Stories Are the Heart of Your Legacy Stories aren’t just entertainment at the holiday table. They’re how families pass on values, resilience, and identity. Without intentional preservation, even the most powerful stories can vanish within a generation. Think of your great-grandmother’s courage when she immigrated to a new country. That wasn’t just her story—it set a pattern of strength that still echoes in your family today. Or picture your grandparents meeting during wartime—not just a romantic tale, but proof that joy can be found even in uncertain times. These aren’t just memories. They are blueprints. They show your children and grandchildren how to face adversity, how to love, and how to persevere. When you preserve family stories, you’re doing far more than keeping people entertained. You’re creating a framework of identity and values that will outlast you. You’re showing future generations not just what your family owned, but who your family is. And here’s something many people overlook: your family stories make your estate plan more meaningful. When your children know why education mattered to their ancestors, they’ll understand why you’ve structured their inheritance to support learning. When they hear how the family business was built from nothing, they’ll respect the responsibility of carrying it forward. Families that know their stories are almost always the ones with stronger bonds across generations. They aren’t just connected by blood—they’re connected by shared identity. So how do you make sure those stories don’t slip away? That’s where intentional preservation—and our process—comes in. Preserving Stories for the Next Generations The challenge isn’t just capturing family stories—it’s making sure future generations actually use and treasure them. Too many well-intentioned projects end up as forgotten albums on a shelf or files no one ever opens. That’s why, when you create a Life & Legacy Plan® with Sibley Law , we don’t leave this up to chance. This isn’t a “someday project” that you’ll put on a to-do list and never get around to. It’s built right into your plan as a Life & Legacy Interview® . During your Life & Legacy Interview, we’ll record your stories, values, and wisdom, so your loved ones hear your voice, your laughter, and your lessons in your own words. This way, your family’s most meaningful stories are not only captured but preserved. Many clients have told us that the Interview was the most meaningful part of the planning process—and that they never would have done it without our support. Even with a Life & Legacy Interview built into your plan, you may want to capture even more stories on your own. The best way to start is by asking the right questions. Questions That Unlock the Stories Your Family Needs The best stories don’t come from surface-level questions. They come from questions that dig into emotions, lessons, and values. Instead of asking, “What was your childhood like?” try: “What’s a memory from your childhood that still guides your decisions today?” Questions about relationships reveal powerful insights: “Tell me about someone who influenced your life without realizing it.” “What did you learn about love from watching your parents?” Don’t be afraid to ask about hard times—but frame them in terms of growth: “Tell me about a time the family had to pull together to get through something.” “What challenge made us stronger?” Questions about values give future generations a moral compass: “What decision are you proud of, and what guided you in making it?” “If you could pass on three life lessons, what would they be?” And sometimes the most revealing stories come from ordinary moments: “What did a typical Sunday look like in your home?” “What little traditions made your family feel like family?” Finally, ask forward-looking questions: “What do you want future generations to remember about you?” “What should our family always stand for?” The magic of our Life & Legacy Planning® process is that we’ll ask questions like these for you, capture it all, and ensure none of it is lost—so you don’t have to worry about forgetting what to ask, missing the important moments, or losing any of it. Once these stories are captured, the question becomes: how do you make sure they actually shape your family’s future? That’s where our planning process comes in. Building a Legacy That Lasts Beyond Bank Accounts When most people think of estate planning, they think of documents that move money and property from one generation to the next. But here’s the truth: money without meaning rarely lasts. The families who thrive across generations aren’t the ones with the biggest bank accounts. They’re the ones with clear values, shared identity, and stories that remind them of who they are. That’s why Life & Legacy Planning® goes beyond documents. We won’t just make sure your assets are transferred properly—we’ll make sure the “why” behind your plan—your love, your wisdom, your family legacy—is passed on too. This creates an anchor of love and guidance that your children and grandchildren can return to long after you’re gone. Your children and grandchildren will see not just the money you left, but the principles you lived by. They’ll know why you set up the structures you did, and they’ll feel the love behind them. And here’s something else: families that preserve their stories often avoid the conflicts that tear others apart. When everyone understands the family values and the reasons behind decisions, there’s less room for resentment and fighting. But you can only create that kind of plan while the storytellers are still here. Every day you wait is another day a story might be lost forever. That’s why it’s important to start now, with a Life & Legacy Plan® designed to pass on both your assets and your stories. Take Action to Preserve Your Family’s Legacy Today Your family’s stories are irreplaceable. They won’t preserve themselves. Without intention, they’ll slip away with each passing generation—taking with them not just history, but wisdom, love, and connection. It all begins with a Life & Legacy Planning Session®. During this two-hour working session, you’ll: Get clear on what would happen to your assets and loved ones if something happened to you today. Create a complete inventory of everything you own, so nothing is ever lost or overlooked. Explore your family dynamics, values, and goals to design a plan that reflects what matters most to you. Pick the right plan that fits your values, goals, and budget. Most people walk out of their session feeling more organized, empowered, and relieved than they ever thought possible—with the peace of mind knowing they’ve done the right thing for all the people they love. 👉 Are you ready to capture what matters most? Click here to schedule your complimentary 15-minute discovery call and take the first step toward preserving your family’s priceless legacy. This article is a service of Sibley Law , a Personal Family Lawyer® Firm. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That’s why we offer a Life & Legacy Planning Session , during which you’ll get more financially organized than ever before and make the best choices for the people you love. Contact us today at https://www.legacylawyeratsibleylaw.com/contact to schedule your session. The content is sourced from Personal Family Lawyer® for use by Personal Family Lawyer® firms, a source believed to be providing accurate information. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal, or investment advice. If you are seeking legal advice specific to your needs, such advice services must be obtained on your own, separate from this educational material.

Life in Melbourne, Florida, is a testament to careful planning and hard work. From the peaceful charm of the Indian River Lagoon to the bustling energy of downtown, every aspect of our community is built on a foundation of foresight. Yet, when it comes to personal finance and the future of our families, many of us overlook the most critical planning tool: a comprehensive estate plan. An estate plan is more than just a set of documents; it's a reflection of your life's work and a blueprint for protecting the people and assets you care about most. However, navigating the legal complexities can be challenging, and even well-intentioned efforts can lead to costly mistakes. At Sibley Law & Associates, PLLC, we believe that informed clients make the best decisions. As one of Melbourne, Florida's top estate planning lawyers, Attorney Dee Sibley is dedicated to helping individuals and families understand the pitfalls to avoid. As our firm's motto states, "Planning For Life...Building For Legacy." By steering clear of these common errors, you can ensure your legacy is secure and your wishes are honored. The Mistake of Procrastination The single biggest mistake in estate planning is simply not doing it. Many people believe they are too young, don't have enough assets, or can "get to it later." However, life is unpredictable, and without a plan, the state of Florida will write one for you. This default plan, known as intestacy, follows a rigid formula that rarely aligns with an individual’s true wishes. It can lead to your spouse having to share assets with your children from a previous marriage, your unmarried partner receiving nothing, and your family being forced into a lengthy and expensive probate process. The time to plan is now, while you are healthy and able to make sound decisions. Relying on Do-It-Yourself Solutions With the proliferation of online legal services and generic forms, many Melbourne residents are tempted to create their own wills or trusts. While this may seem like a cost-saving measure, it is a dangerous gamble. Online forms are often generic and fail to account for the specific nuances of Florida law, such as requirements for witnesses, notarization, and the proper language to address Florida's unique homestead laws. A single error in execution—like a missing witness signature—can render the entire document invalid in court. These mistakes are not discovered until it is too late, leaving your family with a worthless document and a complicated legal mess. A skilled estate planning attorney ensures your documents are legally sound and tailored to your situation. Failing to Update Your Documents Life is dynamic, and your estate plan should be, too. A common and significant mistake is creating a plan and then forgetting about it. Major life events like marriage, divorce, birth of a child, death of a beneficiary, or a significant change in financial circumstances all necessitate an update to your estate plan. For example, if you get divorced and fail to update your beneficiary designations, your ex-spouse could inherit your assets, regardless of what your will says. Outdated documents can lead to family disputes, unintended distributions, and a plan that no longer serves your current goals. A regular review, every three to five years or after any major life event, is crucial. Improperly Naming Beneficiaries This is a subtle but critical mistake. Many people assume their will or trust will dictate who inherits all their assets. In reality, accounts with beneficiary designations—such as 401(k)s, IRAs, life insurance policies, and some bank accounts—are governed by those beneficiary forms, which override your will. If a beneficiary form is outdated, missing, or incorrectly filled out, the asset may go to the wrong person or be subject to probate. It's essential that these beneficiary designations are coordinated with your comprehensive estate plan to ensure your assets pass to the intended heirs seamlessly and without conflict. Neglecting Incapacity Planning An estate plan isn't just about what happens after you die; it's also about what happens if you become incapacitated and can't make decisions for yourself. A major mistake is focusing only on a Last Will and Testament and neglecting documents that address living situations. Without a Durable Power of Attorney and a Health Care Surrogate Designation, a family member may have to petition a court to be appointed as your legal guardian. This process is public, expensive, and can lead to family conflict over who should be in charge of your financial and medical decisions. These simple but powerful documents ensure a trusted person can act on your behalf, honoring your wishes and avoiding court intervention. Misunderstanding Florida's Homestead Law Florida's homestead laws are designed to protect a person’s primary residence, but they can be a source of significant confusion. A common mistake is attempting to leave homestead property in a will in a way that is prohibited by law. If you have a surviving spouse or minor children, Florida places strict limitations on who can inherit the homestead. A will that leaves the homestead to someone other than your spouse or children may be challenged and could cause the property to pass in a way you never intended. An experienced attorney can help you navigate this complex area of law and ensure your homestead is protected and passes to the right person. Not Funding a Trust For those who have a revocable living trust, a frequent mistake is failing to "fund" it. A trust is simply an empty legal shell until assets are transferred into its name. If you create a trust but fail to retitle assets like your home, bank accounts, or investment properties, the trust is essentially useless. Those assets will not be held by the trust and will still be subject to probate, defeating the primary purpose of the trust in the first place. An estate planning attorney provides crucial guidance to ensure all assets are properly titled and your trust is fully functional. Conclusion Creating a solid estate plan is one of the most important things you can do to protect your family and your legacy. By avoiding these common mistakes—from procrastination and DIY solutions to overlooking beneficiary designations and incapacity planning—you can secure your future with confidence. At Sibley Law & Associates, PLLC, we are dedicated to helping Melbourne residents navigate these complexities with expert guidance and a personalized approach. Attorney Dee Sibley and our team provide the knowledge and support you need to create a comprehensive plan that works seamlessly, reflects your wishes, and provides lasting peace of mind. Don't let these common pitfalls jeopardize your family's future. Book Your Consultation Today with Sibley Law & Associates, PLLC, and take the first step towards "Planning For Life...Building For Legacy." About Sibley Law This article is a service of Sibley Law & Associates , a Personal Family Lawyer® Firm. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That's why we offer a Life & Legacy Planning Session, during which you will get more financially organized than you’ve ever been before and make all the best choices for the people you love. You can begin by calling our office today to schedule a Life & Legacy Planning Session The content is sourced from Personal Family Lawyer® for use by Personal Family Lawyer firms, a source believed to be providing accurate information. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal, or investment advice. If you are seeking legal advice specific to your needs, such advice services must be obtained on your own separate from this educational material.

Like buying a cheap car, bargain-priced estate planning can leave your loved ones stranded. Here’s why a comprehensive Life & Legacy Plan from Sibley Law is worth the investment. I had an eye-opening conversation with a potential client last week at Sibley Law . After walking her through our Life & Legacy Planning® process, she hesitated and said, “This sounds wonderful, but my friend told me I can get a trust done for half the price somewhere else.” I hear this often, and I get it—no one wants to overpay for legal services. But after years of helping families at Sibley Law , I’ve seen firsthand that choosing the cheapest estate plan often becomes the most expensive mistake you can make. Let me explain why, and why you might want to warn your friend that their bargain plan may be worth little more than the paper it’s printed on. You’re Not Comparing Apples to Apples When someone offers estate planning documents at a lower price, they’re not lying about the cost—if all you’re looking for is a set of basic documents. You can indeed find attorneys who will draft a will, trust, power of attorney, or healthcare directive for half the cost of our comprehensive Life & Legacy Planning at Sibley Law . You can even download forms online for under $100 or use AI to generate documents for free. But here’s the catch: you’re not getting the same service . It’s like hiring the cheapest contractor to fix a leaky roof. At first, the patch looks fine, the price is low, and you feel good about saving money. But when the next storm hits, the roof fails. Water pours in, drywall buckles, mold spreads, and suddenly you’re replacing insulation, tearing out walls, and even repairing the foundation. You might lose irreplaceable valuables. That cheap fix ends up costing far more than doing it right the first time. Estate planning works the same way, but the consequences are worse. The storm —an illness, incapacity, or your death—hits when you can no longer fix the problems. Your loved ones are left with a set of documents from a lawyer who’s out of business, doesn’t handle incapacity or post-death matters, or never updated your plan. They didn’t take the time to truly understand you or what matters most to your family. A basic set of documents might look fine today, but when life’s challenges arise, your loved ones could face a costly, stressful, and time-consuming mess—one that could have been avoided with a Life & Legacy Plan from Sibley Law . This is the difference between building generational wealth and leaving your family with generations of trauma or expensive problems that drain them financially and emotionally. What a Cheap Plan Really Delivers When you opt for a low-cost estate plan—whether from a budget lawyer, an online service, or downloadable forms—here’s what you’re likely getting: Generic Documents: These are standard templates filled in with your name, basic wishes, and your heirs’ names. They’re rarely customized to your unique family dynamics , specific assets , or the real-world scenarios your loved ones might face. The lawyer or software creating these documents doesn’t know enough about you to ensure your plan achieves your goals. Florida law has very specific requirements for wills and estate planning documents, and generic templates often miss critical details. The Florida Bar’s consumer guide on wills explains just how precise these rules are—and why a bargain plan may fail your family when it matters most. No Asset Alignment: Your documents might say where your assets should go, but they won’t ensure your assets are titled correctly or that your beneficiary designations align with your wishes. If these aren’t in sync, your plan could fail entirely. Most low-cost lawyers don’t help you retitle assets or update designations—they can’t afford to at those prices. No Plan for Minor Children: If you have young children, this is critical. A cheap plan might name a guardian in your will but won’t address the legal and practical steps to ensure your children are raised by the people you choose, in the way you want, with the financial support your guardians need. And simply naming godparents also won’t protect against your children ending up in the care of strangers, even temporarily. Lack of Understanding: Many clients sign documents without fully understanding them, trusting the lawyer “took care of it.” But cheap plans often don’t explain your options clearly. At Sibley Law , we offer sliding scale/choose your own fee pricing based on what matters most to you . We ensure you understand critical choices, like whether to include asset protection and why it might matter to your family. A One-Time Transaction: With a cheap plan, the relationship ends once you sign the documents. There’s no follow-up, no answers to your questions, and no system to update your plan as your life changes. Your plan sits in a drawer, outdated, until it’s needed—and if it doesn’t reflect your current life and assets, it won’t work. No Support for Your Family: When you’re incapacitated or gone, your loved ones are left to navigate the documents, court processes, and asset management alone—often while grieving. They’ll spend their time , energy , and attention —nonrenewable resources—trying to figure it out, missing work or time with their own families. Missing the Intangibles: After you’re gone, your loved ones will crave more of you —your voice, your guidance, your stories. Cheap plans don’t capture these. They also don’t address sentimental items that often spark family disputes. At Sibley Law , our Life & Legacy Planning process ensures your plan passes on what matters most —not just your money, but your values, wishes, and legacy. Why This Matters Now You might be thinking, “I’ll start with a cheap plan and upgrade to a Life & Legacy Plan later.” At Sibley Law , we can work with you to start with the most affordable plan that still offers ongoing support, proactive reviews, and clear choices. We can always upgrade later as your needs evolve. But waiting comes with risks. Legacy isn’t created after you’re gone—it’s built through the choices you make today . We work with families every day who are reeling from an unexpected death or a devastating diagnosis. The truth is, we don’t know when our time will come. With proactive Life & Legacy Planning from Sibley Law , your life becomes richer, and death becomes less daunting. If you die with a cheap, incomplete plan, it could fail, leaving your family with financial and emotional chaos when they’re least equipped to handle it. A good estate plan, like a strong roof, isn’t just for sunny days—it’s built to withstand life’s worst storms . Your Next Step with Sibley Law Don’t just compare prices—compare outcomes . Ask, “What will it cost my loved ones if my plan fails?” Peace of mind and false security are not the same. As a Personal Family Lawyer® Firm, Sibley Law creates comprehensive Life & Legacy Plans that work when your family needs them. Our process ensures your assets are protected , your plan is understood by you and your loved ones, and it’s reviewed and updated over time—so you never have to worry about a costly mistake derailing your family’s future. Click Here to schedule your 15-minute discovery call today to create a plan that provides true peace of mind and stands strong for the people you love most. This article is a service of Sibley Law , a Personal Family Lawyer® Firm. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That’s why we offer a Life & Legacy Planning Session , during which you’ll get more financially organized than ever before and make the best choices for the people you love. Contact us today at https://www.legacylawyeratsibleylaw.com/contact to schedule your session. The content is sourced from Personal Family Lawyer® for use by Personal Family Lawyer® firms, a source believed to be providing accurate information. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal, or investment advice. If you are seeking legal advice specific to your needs, such advice services must be obtained on your own, separate from this educational material.

You hired a lawyer, signed your estate planning documents, and filed them safely away. Or maybe your financial advisor created them. Or maybe you used an online service, or even an AI program, to do it yourself. Either way, you probably felt a sense of relief—you checked “estate planning” off your list. But here’s the truth: documents alone don’t protect your family. When the time comes, too many families discover that those documents don’t actually work the way they thought they would. Instead of peace and protection, they are left facing court delays, family conflict, and financial loss. At Sibley Law, we’ve seen it happen far too many times. The problem isn’t that people didn’t care or didn’t plan. It’s that traditional estate planning focuses on creating documents—not on creating a plan that works when your loved ones need it most. In this article, we’ll share real stories of families who thought they were protected but weren’t—and we’ll show you how our Life & Legacy Planning® approach ensures your loved ones get the protection, guidance, and support they deserve. When Legal Documents Create Legal Disasters Let’s look at what happens when people do everything “right” and still end up with a disaster. The Father Who Tried to Protect His Eight Children A devoted father created a trust to divide his estate among his eight children. Unfortunately, his attorney overlooked one critical detail: a small strip of land near the family beach house wasn’t properly titled into the trust. When the father passed away, that oversight triggered a costly legal battle. His children faced delays, infighting, and a complete breakdown of trust—not only with each other, but with the attorney. The very plan meant to protect them became the source of conflict. The Blended Family Torn Apart A man left everything to his second wife, trusting she would “do right” by his daughter from his first marriage. Instead, she kept the entire estate for herself—something she was fully entitled to under the law. His daughter was left with two heartbreaking choices: spend thousands of dollars in court with little chance of winning, or walk away with nothing. This father never imagined that grief, money, and family dynamics could change everything. But they did. The DIY Planner Who Accidentally Disinherited Her Family Another woman, proud of her financial savvy, drafted her own trust using online templates. Later, she wrote a list of personal gifts for her children and grandchildren. But she didn’t realize that list had no legal effect. Even worse, her trust documents specified that another state’s laws would govern her estate—despite the fact that she never lived there. When she passed away, her second husband inherited everything. Her children went to court, but the case became long, expensive, and deeply painful. The outcome was the opposite of what she had intended. Each of these people believed that because they had signed documents, their families would be safe. But as these stories show, documents alone aren’t enough. Why “Simple” Plans Often Cost the Most Another common myth we hear? “My situation is simple.” People assume that because they don’t own a mansion or have millions in the bank, their planning should be straightforward. But even “basic” estates can unravel when the details aren’t handled correctly. The Daughter Who Lost the Family Home One woman discovered, only after her father’s death, that his home was still under mortgage—and behind on payments. She had no authority to negotiate with the bank until she was appointed as the estate administrator by the court. By the time the court granted her authority, it was too late. The bank foreclosed, and her inheritance disappeared. This wasn’t negligence. It wasn’t carelessness. It was the direct result of relying on documents without a complete plan in place. The Life & Legacy Planning® Difference At Sibley Law, we take a different approach. We don’t just draft documents and send you on your way. We build comprehensive, living plans designed to work for your family when they need them most. Here’s what that means: Complete Asset Inventory : Every account, policy, property, and digital asset is tracked and updated so nothing is lost or forgotten. Clear Guidance for Loved Ones : Your family will know exactly where to find documents, who to call, and what steps to take—without months of stress or confusion. Regular Updates : Life changes, finances change, and laws change. We review and update your plan to keep it current. Proper Trust Funding : We make sure your assets are actually titled into your trust, so they don’t end up in probate. Legacy Beyond Finances : We help you pass down not just money, but your values, stories, and personal messages to the people you love most. Most importantly, your loved ones will have a trusted advisor—someone they can call when the worst happens. A document can’t do that. A real plan can. Planning Isn’t About You—It’s About Them The biggest misconception about estate planning is that it’s about you. It’s not. It’s about the people you love. Ask yourself: Do you want your family to waste months in court? Do you want them to argue with each other or lose assets because of missing details? Or do you want them to feel secure, supported, and cared for—because you took the time to put a real plan in place? Take Action Today The stories we’ve shared aren’t rare. They’re common. Families who believed they were protected often discover—too late—that their plans failed them. The difference is that you still have time. At Sibley Law, we help families create Life & Legacy Plans that truly work. We don’t just hand you documents. We provide guidance, structure, and ongoing support so your loved ones have clarity when it matters most. 📞 Call our office today at (321) 844-8694 or Schedule a Discovery Call to learn more. Don’t leave your family with a mess. Give them the gift of true protection and peace of mind. About Sibley Law This article is a service of Sibley Law & Associates , a Personal Family Lawyer® Firm. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That's why we offer a Life & Legacy Planning Session, during which you will get more financially organized than you’ve ever been before and make all the best choices for the people you love. You can begin by calling our office today to schedule a Life & Legacy Planning Session The content is sourced from Personal Family Lawyer® for use by Personal Family Lawyer firms, a source believed to be providing accurate information. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal, or investment advice. If you are seeking legal advice specific to your needs, such advice services must be obtained on your own separate from this educational material.