Table of Contents

INTRODUCTION

This website does not provide individual legal or financial advice, even though that word occasionally appears. No one should rely on this in making any decision without consulting a lawyer licensed in your state. (As the saying goes, “I’m a lawyer, but I’m not your lawyer.”) This website presents a broad, (hopefully) clear introduction and some practical, universal and timeless things to consider based on many years of experience. It is my best effort but is not guaranteed in any way. I welcome your comments. But please understand that I am unable to answer individual, personal, or family questions due to both practical and legal considerations.

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