August 15, 2018

During the home buying process, you worked with a lot of individuals: your realtor, the seller’s realtor, the title company, the loan officer, and the home inspector.  Now that you have finalized the purchase of your house, there is one more expert you need to call: yo...

June 9, 2018

I have had the pleasure to work closely with and get to know some very capable and talented financial consultants. Most have developed specialized practices in things like social security, buy-sell agreements, medicare, portfolio management, real estate, disability ins...

May 23, 2018

As of this month, Utah has joined the ranks of many states in the passing of its own "Transfer on Death (TOD) Deed" statute. UCA 75-6-4. Basically, the owner of a piece of real estate executes a deed transferring ownership of the property upon his or her death. If done...

March 29, 2018

If you have ever participated in an employee stock ownership plan (ESOP), you've acquired some equity in your employer. Participation over time allows the stock to vest and can add up to a nice investment for you. Most investors don't want to hold a stock perpetually,...

March 1, 2018

Occasionally, politicians, like lawyers, do something useful. In 2007, Utah passed the "Advanced Health Care Directive Act". The Act offers a standardized form (often called a "Living Will") that directs health care providers regarding a person's life sustaining medica...

February 1, 2018

A "Will Substitute" is an instrument that transfers ownership of property from the owner to the beneficiary upon the owner's death while avoiding probate. Examples of will substitutes include the "Payable on Death" ("POD") designation of a bank account or the bene...

December 21, 2016

You have probably received a letter from a merchant or credit card company advising you that your personal information may have been compromised by a data breach. Perhaps even the company you work for or, if you own a business, the company you run, has been victim to c...

December 5, 2016

Not long ago I helped a start-up developing an on-line service for bloggers. Through the experience I was introduced to the wonderful world of the Blogosphere and met all sorts of engaging and enthusiastic individuals. Blogging is a huge industry and its influence cont...

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