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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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If a couple is thinking that they can sell the long-term care portion of a policy, because their HMO will cover the cost of long-term or skilled nursing care, they need to think again. Continue reading
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Estate tax, death tax, income tax and inheritance tax: what do they mean for your estate and your heirs? Continue reading
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Estate planning requires making some of the most important decisions a parent can make for their child’s well-being. Continue reading
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Despite early reports that she had no will, it seems the Queen of Soul spent a fair amount of time creating three wills to provide for her four sons and leaving behind some strong opinions of the people in her circles. She just didn’t share those wills with her attorney.... Continue reading
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Asset titling is the sticking point, where many estate plans fail. The best plan can be undone, if assets are not retitled or accounts are not funded. Retitling assets means just that—changing the name of the asset, whether it’s a deed to a home or a name of an insurance... Continue reading
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If you’ve got a fair amount of equity in your home and no other way to cover a healthcare cost or if the bills are coming in faster than your retirement accounts can manage, it might be time to consider a reverse mortgage. For retirees in a financial tight spot,... Continue reading
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Whether you and your spouse have a pre or post nuptial agreement, they are a good way to make divorce or death a little less overwhelming. If you are wealthy, expect an inheritance or have been married before and have children from a prior marriage, you may want to consider... Continue reading
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How the “Achieving a Better Life Experience” Act, known as ABLE, provides a mechanism to create a tax-advantaged savings tool for individuals with disabilities and their families. Continue reading
Posted May 24, 2019 at Houston Estate Planning & Elder Law
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This grim topic deserves your attention. If you haven’t made plans for what will happen after you die, your loved ones will have to pick up the pieces. Continue reading
Posted May 23, 2019 at Houston Estate Planning & Elder Law
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Some people give generously all year long, supporting local nonprofits and taking care of their family members. If that’s you, perhaps it’s time to consider taking a more strategic approach to lifetime giving. Continue reading
Posted May 22, 2019 at Houston Estate Planning & Elder Law
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With the average American owning more than 100 online accounts, we now have to address the issue of digital estate planning. Continue reading
Posted May 21, 2019 at Houston Estate Planning & Elder Law
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It’s been three years since music icon Prince died at his famous Paisley Park mansion, joining the ranks of many celebrities who died without an estate plan. Continue reading
Posted May 20, 2019 at Houston Estate Planning & Elder Law
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How home ownership is titled, or how it is described on the title to the house, can have far reaching implications that may not come into play for decades. Continue reading
Posted May 17, 2019 at Houston Estate Planning & Elder Law
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The emphasis on the SECURE act is all about helping Americans save more for retirement. However, it may eliminate a strategy that is used by many to pass wealth across generations. Continue reading
Posted May 17, 2019 at Houston Estate Planning & Elder Law
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Nearly half of American households older than 55 have no retirement savings. The U.S. Government Accountability Office says that this number is actually better than in the past. Continue reading
Posted May 17, 2019 at Houston Estate Planning & Elder Law
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At 65, Americans are shifting their focus from accumulating to giving of time and resources. It seems like a natural progression: after living for more than six decades, there’s a greater understanding of what matters. Continue reading
Posted May 17, 2019 at Houston Estate Planning & Elder Law
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There is no such thing as a free lunch, except when it comes to employers who match their employee’s 401(k) contributions. This is the closest to free money you’ll ever get. Continue reading
Posted May 17, 2019 at Houston Estate Planning & Elder Law
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Balancing careers, children, college funds and aging parents present the same-old scenario, but this time to a new generation with a different value system. Continue reading
Posted May 3, 2019 at Houston Estate Planning & Elder Law
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Boomers are more willing to plan their own funerals, than to prepare for an extended stay in a nursing home. Continue reading
Posted May 3, 2019 at Houston Estate Planning & Elder Law
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There’s an easy way for select assets to be passed to heirs, with no need for probate. It’s called the beneficiary designation. Continue reading
Posted May 3, 2019 at Houston Estate Planning & Elder Law
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One thing that many people don’t know, is that they can limit the power of attorney document to protect a surviving spouse or family members. Continue reading
Posted May 3, 2019 at Houston Estate Planning & Elder Law
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The Senate Special Committee on aging is trying to make changes that give individuals younger than 60 with early-onset Alzheimer’s a chance to access support programs. Continue reading
Posted May 3, 2019 at Houston Estate Planning & Elder Law
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What and how you leave your wealth can be a hard decision, if you have more than one child. Continue reading
Posted Apr 25, 2019 at Houston Estate Planning & Elder Law
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It is important to understand the basics of special needs planning, so that you can plan for your child’s future. Continue reading
Posted Apr 23, 2019 at Houston Estate Planning & Elder Law
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You want to be sure your chosen person understands your wishes, your financial situation and can make good decisions on your behalf. Continue reading
Posted Apr 23, 2019 at Houston Estate Planning & Elder Law