Top 5 Mistakes People Make In their Wills

If you’re the average person living your life, and you’re one of the slightly less than 50% of the adult population who decides to actually write a will, for real, this time, then there’s a good chance you will make one of the following mistakes.  So to help you do the best job you can do with this important task (how important?  Just ask someone who had a parent or spouse die without a will) we’ve compiled the most common mistakes people make when writing their wills.

  1. Not finishing.  You’d be surprised how many people try to DIY their will but never actually finish signing them.  You have to sign in a very specific way, which varies depending on which state you live in but always involves some combination of you, witnesses, and a notary public.  Usually all these people have to be present at the same time and sign together, which makes it easy to put off and a lot of people never get around to it.  A will without the proper signatures is not a will. 
  2. Not updating.  A will should be reviewed and updated as your life changes.  Sometimes the problem is that what you own has changed significantly and the way you distributed it no longer makes the best sense.  More often, people you named as executor or other fiduciaries have died, become unreliable, or moved far away and can no longer serve. 
  3. Thinking that a will is all you need.  Not all of your property is disposed of by your will – if you have life insurance, or retirement accounts, and sometimes even your investment or ordinary bank accounts, have beneficiary designations.  This means that when you open the account, you are asked who you want to get the account at your death.  Anything you own that has a beneficiary designation will not be affected by your will.  This means you have to think about everything together and review (and change if needed) the beneficiary designations you have made at the same time you are preparing your will.  If you intend to give everything to your friend Bob, but you forgot that you named your friend Fred on your retirement account, then your intent will not be carried out. Also, there are other useful documents you may need to prepare in addition to a will, even though we tend to think about “writing a will” rather than “writing a HIPAA release,” there are a number of documents that typically are prepared when someone sits down to “do their will.”  These include a power of attorney, a medical power of attorney, a HIPAA release (that lets the people you name have access to otherwise private medical information), and a few others.  These documents will be needed in the event you become incapacitated, either temporarily or permanently.  If you are in a serious accident and spend months in a hospital or rehabilitation center, you will need other people to help handle your finances, your insurance claims, and other similar things, which they will not be able to do easily unless you have prepared these additional documents.
  4. Not letting people know about your will.  Once you have a will, and, hopefully, your other documents (see #3), you need to make sure people know they exist and where to find them when needed. 
  5. Thinking you can do it all yourself.  I know, this one sounds very self-important, but a lawyer really is useful when you want to write a will. If you want to make sure you do what you intend to do, hiring a lawyer is definitely the way to go.

Parker Counsel Legal Services consults with special needs families in Austin Texas, Dallas Texas, Western Mass, the New Hampshire Seacoast, and Northern New Jersey. Special needs trusts, guardianship, and more. Give us a call and tell us about your family situation for some guidance on how best to plan a safe, secure future for your child. 833-RED-BOOT (833-733-2668)

Turning Fire Drills into a Game

Every year 2400 fires occur in homes where a person with a physical or mental disability lives. Fire drills at home are probably even more important than school fire drills for families who have a member with a disability, as there may be fewer people to assist with evacuation and homes are less likely to be fully accessible and may have fewer exits than public buildings. On top of that, at least half our time at home is during sleep hours, when no one will be thinking clearly if a fire wakes them out of a slumber. The US Fire Administration has more information and safety tips here Fire Administration

At least one company has set out to help families teach their children with special needs how to safely get out of their house in the case of a fire. Fire Guide has developed an app that lets you guide your child with your own voice, and then give feedback and refine the instructions specifically for your own home and your own child’s abilities.

Planning and drills can mean the difference between safety and tragedy. Turn fire drills into play time and give your family a better chance in case of fire.

Parker Counsel Legal Services consults with special needs families in Austin Texas, Dallas Texas, Western Mass, the New Hampshire Seacoast, and Northern New Jersey. Special needs trusts, guardianship, and more. Give us a call and tell us about your family situation for some guidance on how best to plan a safe, secure future for your child. 833-RED-BOOT (833-733-2668)

Be prepared for the inevitable

No one likes to think about it, but special needs parents REALLY don’t like to think about it. Someday, something will happen and you will not be around.

Maybe it will be temporary – a burst appendix that lands you in the hospital for a few days, or maybe a weather “event” that strands you in another city city for a while. Or maybe it will be the real deal, the accident or illness that moves you out of this life and on to whatever is next. Either way, there will come a time when you will not be able to take care of your child.

What then? Are you ready?

We are launching a special workshop on January 20, 2020, designed to walk you through preparing a transition manual to be used by future caregivers for your child. We don’t want you to think about it. We want you to do it. So if you’ve been meaning to sit down and gather all your child’s medical and care information, your instructions and your guidances, but you still haven’t found the time, then this workshop is for you. And to make sure you have all the motivation we can provide, you even get part of your registration fee back in the form of a gift card if you actually finish the workshop and have a working transition manual.

Portsmouth NH Special Needs Trust Attorney

Parents of children with developmental disabilities that will not be able to work and support themselves as adults can provide for their children in the future with special needs trusts. This special type of trust allows families of all economic means to leave money to help provide a better quality of life for their child without endangering their very important social security and Medicaid benefits. You can find more information on special needs trusts here. Our firm can help you develop a comprehensive estate plan that includes a special needs trust for your child with special needs to ensure resources for their care long into the future.

Your child may also need guardianship after they turn 18, when you, the parents, can no longer make decisions for them or even access educational and medical information without your child’s permission. Our firm can help families in Rockingham county and Stratford county apply for and present the necessary evidence to a Court to obtain an order of guardianship. Some of your questions about guardianship are answered here.

The best way to get answers to your questions and see if we can help you is to give us a call or send an email. We love to chat with families about their needs, and we promise you will learn something you didn’t already know when you talk to us. 833-RED-BOOT (833-733-2668) or legal@parkercounsel.com

Dallas and Plano Special Needs Trust Attorney

A special needs trust is part of a comprehensive plan parents need to have in place to ensure that their child with a disability is well cared for to the end of their life.

If your child has a developmental disability that prevents them from caring for themselves as an adult, they may be eligible for SSI (supplemental security income) and Medicaid. But those benefits are only available to people with disabilities who have little income and few assets, so parents must use a special needs trust to leave money for the care of their child after the parents are gone. This involved creating a trust and then preparing a will that directs the child’s inheritance into the trust. You can read more about the basics of the special needs trust here.

At age 18, you may also need to seek guardianship for your child. We can help you apply in Dallas County, Tarrant County, Collin County, and Denton County for guardianship. You’ll find answer to common Texas Guardianship questions here.

And of course, the best way to get more information is to give us a call. We’re happy to chat on the phone or by email about your situation to see if we can help you out with your legal needs. 833-RED-BOOT (833-733-2668) or legal@parkercounsel.com



If you live in Dallas County, Denton County, Collin County or Tarrant County we’re ready to help you protect your child.

Contact us at 833-RED-BOOT (833-733-2668) or legal@parkercounsel.com to find out what we can do for you.



Ask the right questions about fiduciaries

One of the most difficult parts of estate planning is choosing the people you will name as your fiduciaries – that is, the people who will carry out your business.  The word fiduciary involves trust, and a fiduciary is a person who you trust to carry out the task for which you have named them.  In estate planning, you will name people to not only to handle your will, but also to handle your financial affairs in the case of your disability, to make medical decisions on your behalf if you are unable to do so, to take care of your children if you die, and possibly to take care of the money and property that you leave your children while they are minors or if they are disabled.  While you do need someone you can trust in all those roles, there are other factors that are important as well.

If you are lucky enough to have enough family and friends to have to make choices, in addition to the question “who do I trust” you should also ask the following questions to help you determine the best choices for your various fiduciaries:

  • Who cares about my child?
  • Who understands and respects my wishes?
  • Who knows when to ask for help?
  • Who is happy to hear suggestions from other people?
  • Who is careful about recordkeeping?
  • Who is good with money?
  • Who would step up to help even if you didn’t ask?

These and other questions like them will help you think through the people in your life and figure out who the best matches are for the various fiduciary roles in your estate plan.  If no one fits the bill, your attorney can help you figure out how to either provide extra support for your fiduciaries, or point you to professionals who can fill the roles.

Parker Counsel Legal Services serves families in Central Texas,, the Dallas Metro area, Western Massachusetts, Northern New Jersey, and the New Hampshire Seacoast with special needs estate planning, special needs trusts, and guardianships. Contact us for a consultation at 833-RED-BOOT (833-733-2668) or legal@parkercounsel.com

Keep your estate and special needs plan up to date

Review your retirement, investment, and trust accounts

We help families in Texas, Massachusetts, New Jersey, and New Hampshire plan for the future of their child with special needs, and part of that planning means knowing what you have. We recommend you periodically review all your accounts and assets to

  1. Make sure you remember what you have (as nice as it is to “find” money in the state unclaimed property lists, it’s better not to lose it in the first place)
  2. check the amount you have in it
  3. review whether you have a beneficiary named on the account and whether it is the correct beneficiary for your plan
  4. make sure that your property and any beneficiary designations still match your overall plan

Make a list of your current assets, their amounts, and the beneficiaries. If you need to make any changes, make an appointment with your financial planner or attorney to go over your situation.

Review your will, power of attorney, medical documents, and trust documents

After you take a look at what you own, take a look at the documents you have to take care of that property, both before and after your death.

  1. Are your fiduciary agents still the right people?
  2. Have there been any weddings, births, divorces or deaths that require changes to your plan?
  3. Have you moved to another state or had a significant change in your assets?

If you need to make changes or have questions about any of the changes in your life, make an appointment to see your attorney to make sure your plan is up to date and still does what you want it to do.

Parker Counsel Legal Services serves families in Central Texas,, the Dallas Metro area, Western Massachusetts, Northern New Jersey, and the New Hampshire Seacoast with special needs estate planning, special needs trusts, and guardianships. Contact us for a consultation at 833-RED-BOOT (833-733-2668) or legal@parkercounsel.com

Dallas Texas

Parker Counsel has added an attorney to our staff to serve families in the Dallas area. We can help with estate planning and special needs trusts to make sure your child with special needs remains eligible for medicaid after your death.

We can also help with obtaining guardianship of your child once they turn 18 – if you live in Dallas County, Denton County, Collin County or Tarrant County we’re ready to help you protect your child.

Contact us at 833-RED-BOOT (833-733-2668) or legal@parkercounsel.com to find out what we can do for you.

How NOT to use Special Needs Trust Money

Special needs trusts are simple and yet oh so complicated, like almost everything devised by the government. They are a wonderful tool for parents and others to provide money to use for a disabled child while protecting the child’s eligibility for Medicaid and SSI (social security benefits). They can hold any amount of money and that money can be used to supplement the benefits received from the government and thereby, it is hoped, enhance the quality of life of the individual.

The money cannot ever, however, be used to pay for items that the benefits are intended to cover, without causing some reduction in, or sometimes loss of, the benefits. This includes things like:

Cash given directly to the beneficiary for any purpose

Food or groceries

Restaurant meals (except if given as an occasional gift)

Rent or mortgage payments

Utilities such as electricity, gas, and water

Utilities hookup or connection charges

On the other hand, a special needs trust CAN make contributions to an ABLE account, and the ABLE account CAN be used to pay for many of the items the Trust cannot pay for. See? Simple and yet complicated all at the same time.

Parker Counsel Legal Services serves families in Central Texas,, the Dallas Metro area, Western Massachusetts, Northern New Jersey, and the New Hampshire Seacoast with special needs estate planning, special needs trusts, and guardianships. Contact us for a consultation at 833-RED-BOOT (833-733-2668) or legal@parkercounsel.com

Special needs planning blueprint





This checklist keeps you organized as you work through creating a plan to care for your child with special needs in the future. Broken into sections that track the Four Keys System we use with our clients, this Blueprint will let you dive in wherever you can without missing items you need to come back to.

Get the Planning Blueprint

Track tasks as you complete them.

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