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Horn & Johnsen News

Horn & Johnsen SC > Horn & Johnsen News (Page 4)

The True Value of a Turtle Bell

My grandparents’ home in San Antonio, Texas was beautiful and mysterious, and was also one of the most uncomfortable places for a young child. Surrounded by irreplaceable artwork and collections from around the world, I learned from an early age not to touch anything. The only exceptions to this rule were two brass turtle hotel bells my grandmother kept on her coffee table in the “sitting room”. Each turtle had a wind-up bell mechanism on its underside, and when the turtle’s head or tail was pressed down the bell wound ring. As an only child for the first ten years...

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Buying a New Home? Make Sure Closing is a Happy Event!

Buying a home can be one of the happiest, most exciting days of your life!  It can also be one of the most stressful! And if the proper pieces aren't in place, chances are your big day is going to be filled with anxiety and uncertainty. So how can you make sure your closing is a happy event you'll remember for the rest of your life?  Well, it's really pretty simple!  Just make sure you have your team in place first.  My team?  That's right, the professionals who will help make sure your best interests are served from start to finish. Your team includes your...

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How to Make Sure Your Children Don’t Inherit at Age 18

If you are the parent of minor children, then having a will in place is essential. In addition to designating guardians for your children and naming a personal representative (a/k/a “executor”), your will also sets forth the disposition of your estate upon your death and should include the creation of testamentary trusts to ensure your children do not inherit your assets at age 18. A “testamentary trust” is a type of trust which arises upon your death, and which is created under the terms of your will. Often, parents who create a will unintentionally override the provisions of their wills by...

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The Trouble with “I Love You” Wills

The most common estate planning document used by married couples is affectionately referred to by estate planning attorneys as the “I Love You” Will. Within this type of will, each spouse leaves all assets to the surviving spouse upon the first death, then to the couple’s joint children upon the second death. Provided you and your spouse title all assets jointly and name each other as direct beneficiaries on your life insurance policies and retirement accounts, there is generally no probate proceeding upon the first death and your will never even comes into play. After this, things can get tricky with some...

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5 Reasons You Need a Will if You Have Minor Children

If you are the parent of a minor child or minor children, having a will in place is essential. With a properly drafted will, you can accomplish all of the following: Name a Guardian 1. Your will designates your preference for guardians of your minor children. Name a Personal Representative 2. Your will names a personal representative (also known as an executor) who will be in charge of your estate upon your death. Control the Distribution of Your Children's Inheritance 3. Your will can establish testamentary trusts for your children to ensure they do not inherit your assets outright at age 18. To fully accomplish this...

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