What to Do if a Sibling Keeps You Away from Your Elderly Parents

Estate Planning Advice
for Every Stage of Life.

What to Do if a Sibling Keeps You Away from Your Elderly Parents

Consider this scenario: Your elderly father begins to lose his mental capacity. He lives in his own home and is relatively well-off financially. Your sister is unemployed and moves in with your father. She pays no rent and may even be taking money from Dad. You live in another city across the country, which was what your father always encouraged you to do … to fly the nest and live your own life.

Suddenly your sister seems to have absolute control of your elderly father. You attempt to contact your dad on the phone but no one answers. Or you attempt to visit your father and your sister refuses to let you into the home.

Your sister claims that she is the one taking care of your father and accuses you of abandoning him.

What Could Happen?

In these situations, some people find out after a parent dies that a new will was drafted during the time when a sibling was shut out. The new will leaves everything to the person living with the elderly parent. That sibling may convince the parent not to tell his or her other children about the change in a will.

The parent may be told the other children never call, never visit and perhaps don’t even love the parent — all the while leaving out the fact that the other siblings are being prevented access. This may sound a bit unbelievable but it happens in many circumstances.

The dynamics of families often continue as parents become elderly and more vulnerable. That means that heated rivalries may occur — and adult children who have freeloaded off their parents for years may latch onto them even more.

Note: The person controlling an elderly parent doesn’t have to be part of the family. In some cases, it can be a housekeeper, neighbor or a stranger. The motives are the same — to make the elderly parent believe that the controlling individual is the only one who cares enough to help.

What to Do

If you believe a sibling is keeping you from your parent, your instincts may be correct. Instincts are often based on facts. If you cannot get in touch with your parent and are prevented from seeing him or her, it is a form of elder abuse. Someone who is exerting complete control over an elderly person is evidence of elder abuse. You can contact the adult protective services governmental agency in your area, explain the situation and inquire about an investigation.

Usually, government agencies will send someone to a parent’s home to interview him or her. If possible, ask to go along with them. If the agency says “no,” because it wants an objective opinion, make sure that the controlling sibling is not present when they are interviewing your parent. Ask the investigator to tell your parent that you have been trying to get in touch with him or her.

If you cannot get an investigator to make a visit, or if the investigator decides that your parent has his or her full capacity and is free to come and go, then you may want to seek court intervention if you believe your parent does not have the ability to make decisions.

You can also bypass the step of contacting the governmental agency, and file a petition in court for a guardianship if you believe your parent does not have the capacity to make decisions or if the situation seems urgent.

How to Prevent this from Happening

If you remain in contact with your parent and believe that a controlling sibling (or even an outsider such as a housekeeper or neighbor) is taking advantage of your parent, suggest to your parent to get the proper estate planning documents in place. This can help your family from being blindsided by issues later on. Speak with your attorney about these issues.

When Caregiving is Done by One Sibling in an Inequitable Way

This article focuses on situations in which one sibling keeps other family members away from an elderly parent with the intent to defraud the individual. But there are also families in which one sibling does the bulk of the caregiving — either out of choice or necessity — because the individual lives nearby, doesn’t work full time, or is just more compassionate than other siblings.

Even worse, the family members who are not bearing the brunt of the responsibility sometimes criticize or second-guess the decisions the caregiver makes.

In these cases, resentment and anger build up. It is best if caregiving chores are spread out among siblings as much as possible. Unfortunately, that’s not always feasible. If you are unable to provide the physical assistance on a regular basis, here are some ideas:

      • Pitch in temporarily so the caregiver can take a break.
      • Pay for a housecleaner, a home health aide or other service that can make the life of the caregiver easier.
      • Buy groceries or pick up medications.
      • Provide regular emotional support to a sibling who has disrupted his or her life to care for a parent.
PERKINS & ZAYED, P.C.
1745 South Naperville Road, Suite 100
Wheaton, IL 60189
Phone: 630-665-2300 | Toll Free: 877-TRUST-50
Fax: 630-665-4343
Email: admin@trust-lawgroup.com
The information contained on this website is for informational and educational purposes only and is not legal, tax or financial advice. Always consult a qualified licensed attorney and/or appropriate professional to provide advice for your individual needs and circumstances. Use of this website does not create or constitute an attorney-client relationship. This website may include advertising material for Perkins & Zayed, P.C., The Estate and Trust Law Group. 

ESTATE PLAN RESOURCE

Estate Planning Advice
for Every Stage of Life.

What to Do if a Sibling Keeps You Away from Your Elderly Parents

Consider this scenario: Your elderly father begins to lose his mental capacity. He lives in his own home and is relatively well-off financially. Your sister is unemployed and moves in with your father. She pays no rent and may even be taking money from Dad. You live in another city across the country, which was what your father always encouraged you to do … to fly the nest and live your own life.

Suddenly your sister seems to have absolute control of your elderly father. You attempt to contact your dad on the phone but no one answers. Or you attempt to visit your father and your sister refuses to let you into the home.

Your sister claims that she is the one taking care of your father and accuses you of abandoning him.

What Could Happen?

In these situations, some people find out after a parent dies that a new will was drafted during the time when a sibling was shut out. The new will leaves everything to the person living with the elderly parent. That sibling may convince the parent not to tell his or her other children about the change in a will.

The parent may be told the other children never call, never visit and perhaps don’t even love the parent — all the while leaving out the fact that the other siblings are being prevented access. This may sound a bit unbelievable but it happens in many circumstances.

The dynamics of families often continue as parents become elderly and more vulnerable. That means that heated rivalries may occur — and adult children who have freeloaded off their parents for years may latch onto them even more.

Note: The person controlling an elderly parent doesn’t have to be part of the family. In some cases, it can be a housekeeper, neighbor or a stranger. The motives are the same — to make the elderly parent believe that the controlling individual is the only one who cares enough to help.

What to Do

If you believe a sibling is keeping you from your parent, your instincts may be correct. Instincts are often based on facts. If you cannot get in touch with your parent and are prevented from seeing him or her, it is a form of elder abuse. Someone who is exerting complete control over an elderly person is evidence of elder abuse. You can contact the adult protective services governmental agency in your area, explain the situation and inquire about an investigation.

Usually, government agencies will send someone to a parent’s home to interview him or her. If possible, ask to go along with them. If the agency says “no,” because it wants an objective opinion, make sure that the controlling sibling is not present when they are interviewing your parent. Ask the investigator to tell your parent that you have been trying to get in touch with him or her.

If you cannot get an investigator to make a visit, or if the investigator decides that your parent has his or her full capacity and is free to come and go, then you may want to seek court intervention if you believe your parent does not have the ability to make decisions.

You can also bypass the step of contacting the governmental agency, and file a petition in court for a guardianship if you believe your parent does not have the capacity to make decisions or if the situation seems urgent.

How to Prevent this from Happening

If you remain in contact with your parent and believe that a controlling sibling (or even an outsider such as a housekeeper or neighbor) is taking advantage of your parent, suggest to your parent to get the proper estate planning documents in place. This can help your family from being blindsided by issues later on. Speak with your attorney about these issues.

When Caregiving is Done by One Sibling in an Inequitable Way

This article focuses on situations in which one sibling keeps other family members away from an elderly parent with the intent to defraud the individual. But there are also families in which one sibling does the bulk of the caregiving — either out of choice or necessity — because the individual lives nearby, doesn’t work full time, or is just more compassionate than other siblings.

Even worse, the family members who are not bearing the brunt of the responsibility sometimes criticize or second-guess the decisions the caregiver makes.

In these cases, resentment and anger build up. It is best if caregiving chores are spread out among siblings as much as possible. Unfortunately, that’s not always feasible. If you are unable to provide the physical assistance on a regular basis, here are some ideas:

  • Pitch in temporarily so the caregiver can take a break.
  • Pay for a housecleaner, a home health aide or other service that can make the life of the caregiver easier.
  • Buy groceries or pick up medications.
  • Provide regular emotional support to a sibling who has disrupted his or her life to care for a parent.

Have an estate planning question or concern? Please let us know! Call us at 630.665.2300 or click the button to schedule a free consultation.

PERKINS & ZAYED, P.C.
1745 South Naperville Road, Suite 100, Wheaton, IL 60189

Phone: 630-665-2300 | Toll Free: 877-TRUST-50
Fax: 630-665-4343
Email: admin@trust-lawgroup.com

The information contained on this website is for informational and educational purposes only and is not legal, tax or financial advice. Always consult a qualified licensed attorney and/or appropriate professional to provide advice for your individual needs and circumstances. Use of this website does not create or constitute an attorney-client relationship. This website may include advertising material for Perkins & Zayed, P.C., The Estate and Trust Law Group. 

Beware of Predatory Lenders

Estate Planning Advice
for Every Stage of Life.

Beware of Predatory Lenders

Older Americans have often built up one solid form of financial security — equity in their homes. But they are often living on fixed incomes and unexpected expenses come up, such as costly home repairs, property taxes and medical care.

This makes older homeowners a target for predatory lenders, who market home equity loans using deceptive and intimidating tactics that include high fees, hidden payments, and other difficult terms that could lead to the loss of property through foreclosure.

Here are some of the steps you can take to avoid being the victim of a predatory lender:

Use caution.  Be suspicious of “bargain loans,” offers that are “good for a very short time,” and anyone who makes the first contact. Most reputable finance companies don’t solicit business.

Never act quickly.  Avoid lenders who take applications over the phone, promise guaranteed low-interest loans, or offer next-day approval for money paid in advance.

Watch out for home improvement scams.  Home improvement contractors often refer older people to predatory lenders. The contractors, who are working with the mortgage companies on commission, convince homeowners that repairs are needed and that easy financing can be arranged. Even worse, the contractors often don’t finish, or even start, the work.

Shop around. Contact local financial institutions to see if you are eligible for a loan from a local bank, credit union, or mortgage company. Compare total costs as well as interest rates and be clear about the points and fees. Check with the Better Business Bureau.

Avoid balloon payments. It may sound attractive to have low monthly payments and a big payment only at the end of the loan period. But remember that the borrower is obliged to make that payment or the lender can foreclose. Some lenders may promise to help refinance that final payment, but this may be simply a scam to get higher fees and closing costs.

Read carefully. Borrowers should never sign anything they don’t fully understand. Go elsewhere if the lender won’t change the contract or explain to your satisfaction. And never sign any document with blank spaces.

Think about a reverse mortgage.   A reverse mortgage is an alternative to a home equity loan. These mortgages provide money that doesn’t have to be repaid until the borrower moves, sells the house or dies. The money can be taken as a lump sum, monthly payments or a combination. But shop carefully. Illegal and unethical lending practices also exist with reverse mortgages.

Do not buy credit insurance. This insurance is extremely profitable for the lender, but provides little or no benefit to the borrower. The insurance is financed over the life of the loan, so premiums are expensive. The same amount of insurance can generally be purchased elsewhere for much less.

Take Action. If you or someone you know has been victimized, inform the appropriate regulatory and law enforcement agencies, such as the state Attorney General’s Office and the local police department.

PERKINS & ZAYED, P.C.
1745 South Naperville Road, Suite 100
Wheaton, IL 60189
Phone: 630-665-2300 | Toll Free: 877-TRUST-50
Fax: 630-665-4343
Email: admin@trust-lawgroup.com
The information contained on this website is for informational and educational purposes only and is not legal, tax or financial advice. Always consult a qualified licensed attorney and/or appropriate professional to provide advice for your individual needs and circumstances. Use of this website does not create or constitute an attorney-client relationship. This website may include advertising material for Perkins & Zayed, P.C., The Estate and Trust Law Group. 

Nursing Home Fraud: Studies Expose a Little-Known Risk

Estate Planning Advice
for Every Stage of Life.

Nursing Home Fraud: Studies Expose a Little-Known Risk

Putting a loved one in a nursing home is one of life’s hardest decisions. So you can imagine how devastating it is to discover that a trusted nursing home administrator has been forging a resident’s signature or stealing his or her assets. It can happen. This type of fraud can cost nursing home residents more per incident than frauds committed by opportunistic strangers or relatives. How can you protect your loved ones?

Estimated Losses

Although it peaks at year end, elder financial abuse occurs throughout the year. Americans age 60 and older lost an estimated $2.9 billion to financial exploitation, according to the Metlife study. This estimate exposes just the tip of the iceberg, however. It covers only reportedfinancial abuse cases involving senior citizens.

For each case of financial exploitation that authorities prosecute, the New York State Elder Abuse Prevalence Study estimates that another 44 financial exploitations go unreported. That’s why elder financial abuse has been dubbed “The Crime of the 21st century.”

The Trusted Thief

Most stories about elder financial exploitation focus on family or friends who abuse their roles as caretakers and guardians. News agencies also report numerous incidents of Medicare or Medicaid fraud that cost taxpayers millions of dollars each year. These high profile financial scams overshadow another costly scam perpetrated by trusted professionals — nursing home fraud.

Nursing home administrators commit an estimated 6% of financial exploitations, according to the Metlife study. But frauds committed by legitimate businesses — including nursing homes — tend to result in a higher average loss per incident than losses from friends, family members or strangers. In fact, nursing homes and other businesses caused 39% of the total losses from senior financial abuse.

Examples of nursing home frauds committed by bookkeepers, office managers and other nursing home administrators include:

      • Diverted Social Security checks,
      • Forged or coerced signatures,
      • Checks written for cash or the administrator’s personal expenses,
      • Misappropriated nursing home account refunds,
      • Identity theft, and
      • Improper use of conservatorship.

One prosecuted case involves a business office coordinator of a convalescent and rehabilitation center in Mississippi. The individual pled guilty to 29 counts of exploitation of a vulnerable person and one count of conspiracy. She allegedly stole more than $100,000 from residents’ trust funds.

Protecting Your Loved One

You might wonder how a crime like this happens — and just how prevalent it is. One USA Today investigation reports that more than 100 cases involving thefts from nursing home trust funds have occurred in the United States since 2010.

So, what can you do to help parents, grandparents and other loved ones living in a nursing home from getting swindled?

Do your homework. When you’re selecting a rehabilitation or nursing facility, ask questions about the internal controls they’ve implemented to prevent and detect elder financial abuse:

      • Does the facility conduct credit and criminal background checks on all employees (not just doctors, nurses and other caregivers)?
      • Does the facility have a written statement of residents’ rights?
      • Has the facility ever caught an employee stealing — and how was it handled?
      • Does the facility have formal policies and procedures in place to investigate fraud allegations?

Involve family members in financial matters. Many residents start in their facility’s assisted-living wing and move to rehab or convalescent wings as their needs change. Residents have the right to handle their personal finances — and people in assist-living arrangements often do. But it’s a good idea for high-functioning seniors to fill trusted family members in on their finances, including account numbers, names of advisors and personal balance sheets. They also might assign power of attorney to someone who’s trusted, unbiased and financially secure themselves.

As a senior’s cognitive abilities start to decline, family members may invoke financial power of attorney or be granted guardianship. Most facilities don’t mandate control over their residents’ finances. Relatives can retain control, although it can be time consuming to manage another person’s income and expenses.

If the nursing home handles a loved one’s finances, watch for these warning signs:

      • Sudden changes in account balances, banks or professional advisors;
      • Unusual purchases or gifts to caregivers;
      • Unauthorized ATM withdrawals;
      • Unfamiliar signatures on checks or legal documents;
      • Unexplained disappearances of valuable possessions;
      • Unpaid bills, despite adequate financial resources; and
      • Deteriorated credit scores.

If you notice any of these red flags, notify the nursing home and your attorney immediately.

Listen to your loved ones. Above all, if an elderly relative reports financial exploitation, take him or her seriously. It’s easy to dismiss a complaint as part of a faltering mental condition, especially if the senior appears to be otherwise well cared-for. But the costs of elder financial abuse go beyond monetary losses and may include feelings of insecurity or loss of self-worth — especially if no one listens to them.

The good news is that if a nursing home administrator is convicted of stealing your loved one’s assets, the facility’s insurance will reimburse your economic losses. If a senior takes valuable assets — such as cameras, furniture or jewelry — into a nursing home, list and photograph the items to help support insurance claims if the possessions are lost or stolen.

To Catch a Thief

When nursing home employees are caught red-handed, it’s usually through an internal audit or a tip from a co-worker. But others may notice unusual trends, too.

Banks on the Front Line

Many states require banks to report suspicious withdrawals, coercive caretakers and other unusual behaviors. These obligations override a customer’s privacy rights, according to guidance issued by eight federal agencies in September, including the:

      • Board of Governors of the Federal Reserve System,

      • Federal Deposit Insurance Corporation (FDIC),

      • Federal Trade Commission (FTC), and

      • Securities and Exchange Commission (SEC).

So, encourage senior relatives to get to know tellers, as well as to update their signatures and contact information at their banks or credit unions.

Bank employees can be an elderly person’s front line of defense. For example, the office manager of a Texas nursing home was caught when a bank teller noticed that endorsements on checks didn’t match the signatures on file at the bank. She pled guilty to stealing more than $350,000 from 110 residents — and was ordered to serve 10 years of supervised community release.

Take Matters in Your Hands

You can help protect a loved one from nursing home fraud by requesting monthly trust fund statements and copies of all receipts.

Although it’s prudent to examine these documents monthly, would-be fraudsters don’t know how often these records are reviewed. Just the idea that someone is looking over their shoulders is often enough to make dishonest people think twice about stealing. Frequent, unplanned visits and outings also dissuade fraudsters — and they give lonely seniors something to look forward to.

PERKINS & ZAYED, P.C.
1745 South Naperville Road, Suite 100
Wheaton, IL 60189
Phone: 630-665-2300 | Toll Free: 877-TRUST-50
Fax: 630-665-4343
Email: admin@trust-lawgroup.com
The information contained on this website is for informational and educational purposes only and is not legal, tax or financial advice. Always consult a qualified licensed attorney and/or appropriate professional to provide advice for your individual needs and circumstances. Use of this website does not create or constitute an attorney-client relationship. This website may include advertising material for Perkins & Zayed, P.C., The Estate and Trust Law Group. 

Why Are Elderly People Targets of Abuse?

Estate Planning Advice
for Every Stage of Life.

Why Are Elderly People Targets of Abuse?

Approximately 7.3 million elderly Americans — or one in five over age 65 — have been the victims of financial abuse by family, friends, healthcare professionals, trusted advisors and even strangers, according to the Investor Protection Trust Elder Fraud Survey. And an update to the study reports that 82 percent of doctors and nurses consider financial fraud to be a serious ongoing problem among their elderly patients.

The Fraud Triangle

Like other types of fraud, three elements need to be present for elder financial abuse to occur. Often referred to as the “fraud triangle,” these elements are the opportunity, motive and rationalization to commit fraud.

Motives to steal include greed, drug and gambling addictions, and an uncertain economic environment. Low wages paid to caregivers and nursing home workers might led them to rationalize stealing.

The growing opportunities to defraud are due to:

    1. The growing older population. Elders comprise a growing proportion of U.S. residents. The Census Bureau reports that there are currently more than 41 million Americans age 65 or older.
    2. Relative affluence. After a lifetime of working and investing, older people often have substantial wealth compared to other demographic segments. Instead of relying on pensions like generations-past, many of today’s elderly population have large sums of marketable securities sitting in investment accounts, ripe for the taking.
    3. Easy prey. People older than age 60 may have old-school values and ethics, causing them to trust their advisors without question. Some also suffer from dementia or mental impairment, leading to confusion and impaired decision-making.
    4. Weak internal controls. Many states don’t require nursing homes or home health providers to conduct criminal background checks on administrative employees or to audit their financial records. Annual surveys of nursing homes that are required in most states are conducted by healthcare professionals who tend to focus on residents’ health and well being, not their finances.

Moreover, there are few controls in place to stop caretakers who are convicted of stealing from the elderly from obtaining similar jobs elsewhere. Successful predators often strike again — but the second or third time around, they’re likely to be better at hiding their trails.

Stopping the Abuse

Stopping elder financial abuse starts by minimizing these opportunities. No one can stop the demographic trends, but it’s important to educate elderly people and their families about the latest scams and prevention techniques.

Financial professionals and attorneys who specializes in elder care can help seniors take steps to protect their assets from fraud, including assigning trustees, executors, and powers of attorney with people who can be trusted — and who are unbiased and financially secure themselves.

Relatives can also help in the fight against elder financial abuse. Older individuals should discuss financial matters with family members long before they lose the capacity to make decisions. This includes sharing account numbers, names of advisors and personal balance sheets. Then, relatives can watch for these warning signs of financial abuse:

      • Sudden changes in account balances, banks or professional advisors;
      • Unusual purchases or gifts to caregivers;
      • Unauthorized ATM withdrawals;
      • Unfamiliar signatures on checks or legal documents;
      • Unexplained disappearances of valuable possessions;
      • Unpaid bills, despite adequate financial resources; and
      • Deteriorated credit scores.

If you notice these red flags, notify your financial adviser or attorney immediately. He or she can advise you on how to proceed.

Above all, listen to and investigate a parent or grandparent’s allegations of theft. In some cases, it may be tempting to dismiss complaints as part of a faltering mental condition. But the costs of elder financial abuse go beyond monetary losses and may include feelings of insecurity or loss of self-worth — especially if no one believes the elderly individual.

PERKINS & ZAYED, P.C.
1745 South Naperville Road, Suite 100
Wheaton, IL 60189
Phone: 630-665-2300 | Toll Free: 877-TRUST-50
Fax: 630-665-4343
Email: admin@trust-lawgroup.com
The information contained on this website is for informational and educational purposes only and is not legal, tax or financial advice. Always consult a qualified licensed attorney and/or appropriate professional to provide advice for your individual needs and circumstances. Use of this website does not create or constitute an attorney-client relationship. This website may include advertising material for Perkins & Zayed, P.C., The Estate and Trust Law Group. 

ESTATE PLAN RESOURCE

Estate Planning Advice
for Every Stage of Life.

Why Are Elderly People Targets of Abuse?

Approximately 7.3 million elderly Americans — or one in five over age 65 — have been the victims of financial abuse by family, friends, healthcare professionals, trusted advisors and even strangers, according to the Investor Protection Trust Elder Fraud Survey. And an update to the study reports that 82 percent of doctors and nurses consider financial fraud to be a serious ongoing problem among their elderly patients.

The Fraud Triangle

Like other types of fraud, three elements need to be present for elder financial abuse to occur. Often referred to as the “fraud triangle,” these elements are the opportunity, motive and rationalization to commit fraud.

Motives to steal include greed, drug and gambling addictions, and an uncertain economic environment. Low wages paid to caregivers and nursing home workers might led them to rationalize stealing.

The growing opportunities to defraud are due to:

  1. The growing older population. Elders comprise a growing proportion of U.S. residents. The Census Bureau reports that there are currently more than 41 million Americans age 65 or older.
  2. Relative affluence. After a lifetime of working and investing, older people often have substantial wealth compared to other demographic segments. Instead of relying on pensions like generations-past, many of today’s elderly population have large sums of marketable securities sitting in investment accounts, ripe for the taking.
  3. Easy prey. People older than age 60 may have old-school values and ethics, causing them to trust their advisors without question. Some also suffer from dementia or mental impairment, leading to confusion and impaired decision-making.
  4. Weak internal controls. Many states don’t require nursing homes or home health providers to conduct criminal background checks on administrative employees or to audit their financial records. Annual surveys of nursing homes that are required in most states are conducted by healthcare professionals who tend to focus on residents’ health and well being, not their finances.

Moreover, there are few controls in place to stop caretakers who are convicted of stealing from the elderly from obtaining similar jobs elsewhere. Successful predators often strike again — but the second or third time around, they’re likely to be better at hiding their trails.

Stopping the Abuse

Stopping elder financial abuse starts by minimizing these opportunities. No one can stop the demographic trends, but it’s important to educate elderly people and their families about the latest scams and prevention techniques.

Financial professionals and attorneys who specializes in elder care can help seniors take steps to protect their assets from fraud, including assigning trustees, executors, and powers of attorney with people who can be trusted — and who are unbiased and financially secure themselves.

Relatives can also help in the fight against elder financial abuse. Older individuals should discuss financial matters with family members long before they lose the capacity to make decisions. This includes sharing account numbers, names of advisors and personal balance sheets. Then, relatives can watch for these warning signs of financial abuse:

  • Sudden changes in account balances, banks or professional advisors;
  • Unusual purchases or gifts to caregivers;
  • Unauthorized ATM withdrawals;
  • Unfamiliar signatures on checks or legal documents;
  • Unexplained disappearances of valuable possessions;
  • Unpaid bills, despite adequate financial resources; and
  • Deteriorated credit scores.

If you notice these red flags, notify your financial adviser or attorney immediately. He or she can advise you on how to proceed.

Above all, listen to and investigate a parent or grandparent’s allegations of theft. In some cases, it may be tempting to dismiss complaints as part of a faltering mental condition. But the costs of elder financial abuse go beyond monetary losses and may include feelings of insecurity or loss of self-worth — especially if no one believes the elderly individual.

Have an estate planning question or concern? Please let us know! Call us at 630.665.2300 or click the button to schedule a free consultation.

PERKINS & ZAYED, P.C.
1745 South Naperville Road, Suite 100, Wheaton, IL 60189

Phone: 630-665-2300 | Toll Free: 877-TRUST-50
Fax: 630-665-4343
Email: admin@trust-lawgroup.com

The information contained on this website is for informational and educational purposes only and is not legal, tax or financial advice. Always consult a qualified licensed attorney and/or appropriate professional to provide advice for your individual needs and circumstances. Use of this website does not create or constitute an attorney-client relationship. This website may include advertising material for Perkins & Zayed, P.C., The Estate and Trust Law Group.