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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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The idea that spouses and their stepchildren will share the legal power to make health care decision sounds good in theory, but, in practice, there may be some unexpected side effects. Continue reading
Posted Apr 9, 2019 at Houston Estate Planning & Elder Law
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The foundation of your estate plan is a will, also known as a last will and testament. Depending upon your situation, your estate planning attorney may recommend additional documents, including trusts. Continue reading
Posted Apr 8, 2019 at Houston Estate Planning & Elder Law
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No one plans to be elderly and alone, but if you are single and either have no immediate family members or are not close with your family, you need a game plan, if you need long term care of any kind. Continue reading
Posted Apr 8, 2019 at Houston Estate Planning & Elder Law
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For the second consecutive year, family conflict was named as the biggest treat to estate planning by estate planning and elder law attorneys and other professionals attending this year’s annual Heckerling Institute on Estate Planning. Continue reading
Posted Apr 8, 2019 at Houston Estate Planning & Elder Law
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If you have a life insurance policy that you no longer need, one option might be to donate the policy to a charity. There are several ways that life insurance policies can be gifted or used for charitable purposes. Continue reading
Posted Apr 1, 2019 at Houston Estate Planning & Elder Law
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“Iowa Senator Charles Grassley is among those in Congress calling for a crackdown on elder abuse crimes in the country.” Continue reading
Posted Mar 29, 2019 at Houston Estate Planning & Elder Law
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Life insurance is the bedrock of many people’s financial plan. There are more nuances to life insurance, than just buying a policy and paying premiums. Continue reading
Posted Mar 29, 2019 at Houston Estate Planning & Elder Law
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There was a time when most people had three sources of income in retirement. One was their savings, the second was Social Security and the third was their pension from work. Today, very few workers enjoy the security of a pension, and retirement income is dependent on each person’s ability... Continue reading
Posted Mar 29, 2019 at Houston Estate Planning & Elder Law
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You may know that there are tax traps when IRA withdrawals or rollovers are done incorrectly. However, did you know that an investment portfolio could contain a tax trap that could ruin your IRA status? Continue reading
Posted Mar 29, 2019 at Houston Estate Planning & Elder Law
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You’ve heard the expression “trust fund babies.” However, trusts are not just for the wealthy. They have a number of uses in estate planning and can be helpful at any asset level. Continue reading
Posted Mar 29, 2019 at Houston Estate Planning & Elder Law
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Three Important Financial Moves that are too important to dismiss and delay. Continue reading
Posted Mar 29, 2019 at Houston Estate Planning & Elder Law
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People think of estate plans as one-off documents, but they should think of them more like cars. Estate plans need maintenance, oil changes, tune-ups and if there’s an accident, repairs. As life progresses, you’ll go through a number of stages, from being a teen to an adult, getting married, retiring,... Continue reading
Posted Mar 29, 2019 at Houston Estate Planning & Elder Law
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Here are the key indicators that you’re probably ready to retire. Continue reading
Posted Mar 11, 2019 at Houston Estate Planning & Elder Law
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Virginia is taking steps to protect seniors and other vulnerable individuals against financial exploitation, by giving financial institutions more resources to prevent this growing crime. Continue reading
Posted Mar 8, 2019 at Houston Estate Planning & Elder Law
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A nice benefit of a prenup for a second marriage, is that it can specify the legal process to use if the couple divorces. Continue reading
Posted Mar 8, 2019 at Houston Estate Planning & Elder Law
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The ING trust is used to generate tax savings in a number of ways. For the right person, they are a trend worth looking into. Are they right for you? The expanded transfer tax exemptions created by the 2017 tax reform legislation will end in 2026. However, in the meantime,... Continue reading
Posted Mar 8, 2019 at Houston Estate Planning & Elder Law
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Life insurance can help heirs avoid having to incur expenses like estate taxes, funeral costs and similar expenses. However, it also gives heirs breathing room, so they can make the best use of other assets. Continue reading
Posted Mar 8, 2019 at Houston Estate Planning & Elder Law
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"Do internet documents work?" - Yes, until they don't work. Continue reading
Posted Mar 1, 2019 at Houston Estate Planning & Elder Law
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Gun collectors need to prepare their heirs, if they intend to pass on their firearms, and they may also need a gun trust. Continue reading
Posted Mar 1, 2019 at Houston Estate Planning & Elder Law
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Sit down with your Houston estate planning attorney to review your giving strategy and the tax implications. It’s a great time for giving. Continue reading
Posted Mar 1, 2019 at Houston Estate Planning & Elder Law
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Following the adoption of new rules, there will now be options for veterans to appeal their disability benefits. The hope is that these three new processes will speed cases. Continue reading
Posted Mar 1, 2019 at Houston Estate Planning & Elder Law
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However, by taking a bit of time to plan out charitable giving, including doing some research and talking with your family about your legacy, your giving could have a greater impact this year and in years to come. Continue reading
Posted Feb 1, 2019 at Houston Estate Planning & Elder Law
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For people who like to plan and don’t trust anyone else to get the details right, estate planning and even funeral planning can provide peace of mind. Continue reading
Posted Jan 31, 2019 at Houston Estate Planning & Elder Law
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Live long enough, and you learn that life can change in a heartbeat. Young adults don’t always know this, but they need to have an estate plan as much as older people. Continue reading
Posted Jan 29, 2019 at Houston Estate Planning & Elder Law
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You know that health care, taxes and not saving enough for retirement can derail retirement. However, what about the risks you never saw coming? Continue reading
Posted Jan 28, 2019 at Houston Estate Planning & Elder Law