Estate Planning

For Everyone You Love and Everything You've Built

If something unexpected happens to you and you haven't planned for everyone you love and everything you have, the State of California has a default plan for you.


Sound scary?  Well, it can be. Those you love would have to deal with the red tape and bureaucracy of government procedures and regulations.


We at Sky Unlimited Legal Advisory help you understand the legal and financial consequences of not having a comprehensive Estate Plan to protect your loved ones ... and more.


Before meeting, we'll ask you to complete a Family Wealth Worksheet, which will help you understand what you own and what needs to be decided for the well-being and care of your loved ones and cherished belongings.  We'll meet for a Family Wealth Planning Session™, where we spend some time together reviewing this document.  You'll learn about our Planning for Life process and we will both decide if it makes sense to work together to design an estate plan that will best suit the needs of your family.


The foundation of your estate plan will often include a revocable living trust, which when done properly and maintained over time, should help your family to avoid the cost and delay of probate and minimize or eliminate estate taxes. 


At Sky Unlimited Legal Advisory, we do not offer a "one size fits all" estate plan.  We form a working relationship with our clients.  We educate you, take the time to get to know you and your family.  We will discuss your concerns, your goals, and will gladly and patiently answer all of your questions.  Our goal is to create an estate plan that is exactly right for you.


Our services include a no-charge three-year review to ensure that as your lives change, so will your estate plan to safeguard your assets for maximum protection.


If this sounds like the kind of relationship you're looking for, please call us at (650) 761-0992 to schedule your personal Family Wealth Planning Session™ today or schedule online now.

Having a will simply is not enough.  It doesn't guarantee the care of your children if the unthinkable happens!  See how we do it differently...

The strategies that are appropriate for protecting your assets are different for every family.  Check out our proven process that gives you peace of mind...

Our unique legacy process gives your loved ones a precious gift - a lasting expression of your love.  Find out what we offer with every plan... 

Estates Weekly

Articles from the Chief Counsel's desk.  Sign up for our newsletter to receive these in your email with additional discounts, offers and rewards.

Memorial Day Reflections: Crafting Your Lasting Legacy With Estate Planning

Memorial Day brings with it an opportunity to reflect on the concepts of mortality, remembrance, and legacy. As we remember the brave men and women who lost their lives serving in the military, may this day also inspire you to think about the legacy you wish to leave behind.

But, first, what is a legacy, really? “Legacy” is often misunderstood and so is estate planning. Legacy and estate planning are often perceived as “only for the wealthy” and/or “philanthropic”. But that couldn’t be further from the truth. 


Legacy isn’t just about money or wealth. As my mentor Ali Katz says: “Legacy is the choices you make now, the actions you take now, the way of being you are now, and the ripple of impact beyond your lifetime.”


Legacy includes capturing your life stories, passing on your values, and ensuring your loved ones have a record of the essence of what matters to you.  These are the things you leave behind that mean the most to your loved ones. Money can’t even compare. Thinking of it this way, it’s easy to see that every human has a legacy to create and leave behind, including you! 


Estate planning, on the other hand, is something many people think they understand, but really don’t. It isn’t just about getting your Will done, or documenting what your end-of-life health care wishes are. Estate planning, like legacy, encompasses much more. It’s not about getting some documents signed. Estate planning is the vehicle that allows you to leave a legacy. 

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Understanding Liability: How to Protect Your Business From Lawsuits

Managing a business comes with its own set of challenges, and one of the most formidable is the potential for litigation. Legal disputes can drain your financial resources, consume precious time, and tarnish your company's reputation.

However, strategic planning and support from a trusted advisor can significantly mitigate these risks, safeguarding both your personal and business assets. Read on to find out how.


Understanding Business Liability

Every business owner must understand liability — your legal responsibility for any losses or damages that arise from your business operations.


Here are some common types of business liabilities that every owner should be aware of:


1. Product Liability: Covers injuries or damages caused by defective products your business manufactures, distributes, or sells. An example is the Boeing airplane door defects that are all over the news as this article is being published. 


2. Premises Liability: Includes injuries that occur on your business premises, i.e., someone trips and falls in your building and is injured.


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What Happens To Your Social Media Account When You Die?

When you die, what happens to your online life? Each social media platform has its own rules for dealing with the accounts of deceased users, ranging from permanent deletion to transforming accounts into places for mourning and memory.

Understanding these options is essential for managing digital assets responsibly and respecting your wishes. So let’s take a look at the various policies of major social media sites and what you can do to make sure your accounts are handled the way you want. After all, our social media accounts reflect our personalities, interests, and memories, so we want them handled with care.


What Each Platform Allows

Let’s take a look at the practical aspects and discuss what each digital platform allows or requires. Note that these provisions are updated as of April 2024, as this article is being published.


Facebook. Facebook offers two options for accounts of deceased users: either close the account permanently or convert it into a memorial account where loved ones can share memories. The platform allows you to designate a "Legacy Contact" while you’re alive; someone who can manage your memorialized account by updating your profile picture, accepting friend requests, and posting memories. Importantly, they cannot log into the account or view your private message history.


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Using Credit Cards to Fund Business Growth: What Entrepreneurs Need to Know

Starting a business is an exciting venture, but it also comes with a plethora of challenges, not least among them securing adequate funding.

In a previous blog article, I discussed the pros and cons of business loans and lines of credit. Here, I’ll cover another funding resource: credit cards.


However, the thought of using credit cards can be scary, especially since they often come with high interest rates and personal guarantees. So let’s explore what you need to know about using credit cards to fund your business, so you can do so wisely and with as much ease as possible. 


To begin, there are two kinds of credit cards entrepreneurs can use to fund their business: business cards and personal credit cards. Let’s start off with business cards.


Understanding Business Credit Cards

Business credit cards are specialized credit lines designed to meet the needs of businesses, ranging from small enterprises to large corporations. These cards offer several benefits over personal credit cards, including higher credit limits, rewards tailored to business expenses (such as travel, office supplies, or telecommunications), and valuable reporting features that can simplify accounting processes.

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Why Estate Planning Is the Best Use of Your Tax Refund

When that extra bit of money from your tax refund lands in your bank account, (kinda feels like Christmas, doesn’t it?)  it's easy to start dreaming about all the ways you can use it.

Financial experts may tell you that it's a chance to pay off debts, tuck away savings for an emergency, or add to your retirement savings. You, on the other hand, may want to splurge on something special. However, there's an often-overlooked option that not only provides immediate satisfaction but ensures long-term benefits for both you and your loved ones: estate planning.


Estate planning might sound like a complex and daunting chore reserved for the wealthy, but it's actually a straightforward and crucial process for everyone. In its most basic terms, estate planning involves making a plan for what happens to your belongings and finances after you're gone, or if you become incapacitated. Think of it as creating a roadmap for your loved ones to follow, ensuring they're taken care of and know exactly how to handle your estate according to your wishes. After all, someone will have to do something with your stuff after you’re gone, and if you’re the one who takes care of it while you can, you can save your loved ones a lot of pain. And, make sure you are cared for in the way you want, by the people you want, if you become incapacitated.


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Effective Communication for Effective Leadership: A Guide for Entrepreneurs

In the entrepreneurial world, where innovation and vision drive the future, the importance of effective communication is often overlooked. But the ability to convey your ideas clearly, persuade and inspire action can make or break your business.

Being able to communicate well is crucial for business leaders. It’s not merely a “nice to have” skill but a central pillar of leadership essential for every entrepreneur.


At its core, leadership is about guiding others toward a shared vision. It involves making decisions that affect the lives and livelihoods of the people within the organization and, by extension, their customers. However, the brilliance of a vision is irrelevant if it cannot be communicated effectively. As an entrepreneur, you must be able to articulate ideas, values, and strategies in a way that resonates with employees, investors, customers, and other stakeholders.


Every interaction is an opportunity to lead. Whether it's a pitch to investors, a strategy meeting with the team, or a marketing message to potential customers, effective communication can mean the difference between buy-in and indifference. 


So how, exactly, do you learn the art of effective communication? Let’s break it down. 



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Navigating the World of Cryptocurrency: A Guide for Parents and Teens

In an era where digital innovation shapes every aspect of our lives, it's no surprise that our teenagers are drawn to the allure of cryptocurrency. This digital form of money represents a shift away from traditional financial systems.

If you are the parent of teens, understanding cryptocurrency is crucial so you can provide them with the guidance they need to navigate this new world safely and wisely. Luckily, I’m here to help you learn what you need to know.


Let’s dive in.


What is Cryptocurrency, Exactly?

Cryptocurrency, which folks also call “crypto” is, in essence, virtual money that can be used to buy goods and services. It can also be traded for profit, much like stocks. However, unlike the dollars in your wallet, crypto exists only in the digital world. The crypto universe is vast, with thousands of digital currencies out there.


Crypto is based on blockchain technology, which ensures transactions are secure, transparent, and decentralized, so they're not controlled by any government or financial institution (there are pros and cons to this that we’ll describe below).

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Clash of Cash: Small Business Loans vs. Lines of Credit

When starting or expanding a small business, one of the most critical decisions an entrepreneur faces is how to fund their venture.

Oftentimes, business growth is held back by a sort of “chicken-or-the-egg” scenario in which the business owner needs to hire or invest in a resource in order to grow, but they can’t afford the investment unless they have grown the business first. Financing can help you jump the chasm of being stuck in that loop.


Two popular financing options are obtaining a business line of credit from a bank and securing a loan. Each has its unique advantages and disadvantages, and choosing the right one depends on various factors, including the nature of your business, your financial health, and your long-term goals. It can get complicated, especially if you’re new to business ownership, but you don’t have to figure it out on your own. Instead, let’s navigate this together, shall we? In a future blog article, we’ll look at another type of business credit, using credit cards and how to do it right so you don’t ruin your credit score in the process - so stay tuned. But, first … 


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Anyone who’s seen an episode of “Modern Family” knows that families these days come in many different shapes and sizes. Long gone are the days when a “family” was defined as a mother, father and two children (or was it 2.5 children? Where does the .5 come from anyway?).

In this blog article, we’ll focus on one of the types of families that’s common in our modern culture: the blended family.


The Unique Dynamics At Play In Blended Families

A “blended family” comes into being when parents divorce, and at least one remarries. While everyone may get along effortlessly while the parent is alive, that too-often doesn’t happen once the parent dies. Why? Because the law still hasn’t caught up to our modern definition of “family.”


The law often favors the spouse, which works well when the spouse and the deceased have children together. But when the deceased parent has children from another marriage, the children can - indeed, often are - cut out of their inheritance. Other than the law being slow to catch up, there are a few more reasons why this happens:

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Till Death or Divorce: Why You Need to Plan Now for Your Relationship’s End

After the excitement of Valentine's Day fades away and the last indulgence of chocolate is savored, it's crucial to turn our attention to a topic that may not be as thrilling as the idea of everlasting love: the reality that all relationships come to an end one day.

Before you stop reading, hear me out.


Whether it’s a breakup, divorce, or the death of a loved one after a lifetime together, every relationship eventually will come to an end. The most important thing is how you have planned for that ending, or whether you haven’t at all, as your planning (or lack of it) will have a real impact on you, your partner, your children, and your assets. 


The silver lining? While we can't prevent the end, we can prepare for it with a blend of compassion and strategic planning that makes the end the best possible foundation for a new beginning.


Understanding the Intersection of Love and Law

Love is wonderful—joyful moments, shared dreams for the future, and yes, some legal considerations too. For married couples, the law has default provisions in place for what happens to your assets if one of you dies, but those default plans may not align with your personal preferences or the life you’ve built with your partner.

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