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McCulloch & Miller, PLLC
Houston, Texas
McCulloch & Miller is committed to providing multigenerational families with key information regarding their estate planning, retirement planning and life care planning needs.
Recent Activity
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At last, you’ve completed your estate documents, including retitling assets and checking beneficiary designations. The only question left is, where should they be stored? Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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Contesting a will is not for the faint of heart, but this is the process that lets a person legally challenge a will. Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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While it’s possible for people to manage some parts of their loved one’s estate, very often the tasks feel overwhelming. When getting assets out of probate becomes too much of a challenge, it’s time for help. Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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A generation seems to be waking up to the concept that they are likely to need to care for a spouse or a family member, and they’re taking it seriously. Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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Any high-income professional must expect that at some point there will be a bad outcome and a lawsuit against them and/or their practice. Doctors, in particular, need to be sure that they have the correct protection in place. Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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There are many inheritance scenarios, where people hope that a simple solution will save them time and money. Unfortunately, that’s not always the way estate or tax laws work. Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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An IRA is one of the most popular ways to save for retirement. The possibility, however small, does exist that you will pass before using the entire IRA. How do you decide who to leave your IRA to? Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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If your estate plan includes passing down traditional IRAs to children and grandchildren, you better make an appointment with your estate planning attorney soon. Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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Sounding more like their great grandparents than their parents, millennials say they’d rather buy real estate than invest in markets. However, they might be heading in a dangerous direction. Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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In many families, it’s easier to figure out the ‘who gets what’ part of an estate plan than it is to decide which person should be power of attorney. Which adult child can handle finances, which one is better with decisions during a crisis? Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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Here are some of the advantages of hitting the big 5-9, and also a few to-do items. Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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Life insurance is a financial tool that can be as powerful during retirement, as it is during your working life. In many cases, it can be a real lifesaver for a surviving spouse. Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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A single parent wonders if they need a will, or if just making an account a Payable on Death or POD account will be an adequate solution for transferring his assets when he dies. Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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The last step of an estate plan is one that all too often gets forgotten. That’s too bad, because unless you retitle assets so that they are owned by the trusts created for the plan, means that all good planning could be worthless. Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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Just because you can take Social Security at age 62, doesn’t mean you should. Taking it earlier means that your monthly benefits will be reduced. The longer you can wait, ideally until age 70, the better. Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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Yes, it is old-school, but if your family is on the traditional side, headed up by a breadwinner dad who runs the finances, then you need to make plans to ensure that your family will be okay, if something should happen to you. Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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We hope to enjoy out golden years, relaxing after decades of working and raising children. However, as we age, the likelihood of experiencing health issue increase. That includes Alzheimer’s disease and other forms of dementia. Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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Estate planning for a blended family requires three-dimensional thinking for all concerned Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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Unless you are raised in a family that talks about money, values and planning, starting a conversation with elderly parents about the same topics can be a little awkward. However, it is necessary. Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
After years of enjoying the deductions for putting money into retirement accounts, it’s always an unpleasant stunner when people realize they have to pay taxes on their withdrawals. Or do they? Continue reading
Posted Oct 31, 2019 at Houston Estate Planning & Elder Law
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By the time Groucho was an old man, however, he experienced significant problems in his daily activities, medical decision-making and the management of his estate. Continue reading
Posted Sep 18, 2019 at Houston Estate Planning & Elder Law
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Social Security disability benefits are based on average lifetime earnings. How severe the disability is, or what the household income is, has nothing to do with the amount of money that will be paid. Continue reading
Posted Sep 18, 2019 at Houston Estate Planning & Elder Law
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It used to be unheard of, a divorce after fifty, sixty or even seventy years old. However, gray divorce is now becoming more common. There are pitfalls to be aware of, before taking this big step. Continue reading
Posted Sep 18, 2019 at Houston Estate Planning & Elder Law
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Estate planning attorneys and CPAs all keep an eye on letter rulings to see if IRS decisions have any bearing on their own client’s situations. In this case, a taxpayer is setting up a revocable trust and wants to use a Charitable Lead Annuity Trust known as a CLAT. Continue reading
Posted Sep 18, 2019 at Houston Estate Planning & Elder Law
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Here’s a legacy that you may not want to leave for your family to pay: your credit card debt. It doesn’t go away when you die. Continue reading
Posted Sep 18, 2019 at Houston Estate Planning & Elder Law