Tom

Practical First Steps When a Loved One Dies

The amount of paperwork and complex procedure involved in winding up a person’s final affairs is a big responsibility and may take…

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What is Probate?

There is a frequent misconception that if you have a Will, your estate will avoid Probate.   If there is a Will,…

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Testamentary Trusts

The term “Testamentary Trust” refers to the way in which a trust is created.  A Testamentary Trust is designed in a Last…

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Nursing Home Crisis Strategies — Spousal Refusal

When dealing with Nursing Home budgeting, Medicaid income and asset rules are strict.  Because the cost of care is very high, most…

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Nursing Home Crisis Asset Preservation Planning

Sophisticated Medicaid eligibility rules limit asset preservation solutions.  In the context of short-term planning and where the individual (“client”) is already in…

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Medicare and Medicaid? – What’s the Difference?

Medicare Medicare is federal program which provides healthcare to certain populations, if you are over age 65 and have paid Medicare tax…

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Estate Planning with a Disabled Beneficiary

If you have a child with special needs or disabilities, before making a gift during life or by inheritance, you should be…

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A Continuum in Estate Planning

I have a picture on my desk of my beautiful daughter at age 3 months, taken on one of the proudest days…

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What is Legal Capacity?

Certain legal documents can be extremely helpful, even critical, when dealing with long-term and end-of-life care planning.    However, unless a person…

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Planning with Mortgaged Property

There are special considerations when clients have a mortgage or anticipates the need for a future mortgage.  When dealing with residential mortgages,…

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  • Law Office of Kathleen M. Toombs, PLLC



    157 Barrett Street
    Schenectady, NY 12305
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