This document discusses various estate and financial planning topics including: - Disability planning through tools like guardianship, conservatorship, powers of attorney, and medical directives. - Savings and investment planning including putting goals in writing, asset allocation, and monitoring performance. - Payment options for long term care including private payment, veterans benefits, and Medicaid. - Tax planning regarding retirement withdrawals, social security, deductions, and estate taxes. - Estate distribution through wills, trusts, beneficiary designations, and intestacy laws. - Asset protection for creditors using tools like trusts and business entities. - Probate avoidance using beneficiary designations, joint ownership, and trusts.

1. Estate and Financial Planning Andrew H. Hook, CELA Oast & Hook, P.C. Offices in Virginia Beach and Portsmouth www.oasthook.com Tel: 757-399-7506 Fax: 757-397-1267

2. Proposition Prior planning improves performance and results. Failing to plan is planning to fail!

13. Conclusion You can prepare a much better estate plan for you and your family than the default rules given to you by the state.