@tobinshort.bsky.socialA widow waited on a trustee she'd never met to access her husband's coverage. Everything was drafted correctly. Nobody had asked whether she was the person the trust was built to protect. Read your beneficiary line. DM me for a consultation.
@tobinshort.bsky.socialHe named his 8-year-old daughter as beneficiary. Carriers can't pay a minor, so a probate court appointed a guardian to hold the money until she turned 18. A thirty-second line on a form that took years to undo. Message me for an honest read on yours.
@tobinshort.bsky.socialThe form beats the will.
A beneficiary designation signed during a divorce in 1998 still pays whoever is named on it. The current will has no vote in that.
When did you last read the name on line one?
Message me and we will look at what you own.
@tobinshort.bsky.socialTwo partners signed a buy-sell agreement. Eleven years later, one died on a Tuesday.
The document said the survivor buys his interest. The funding was never put in place. His widow held a signed contract nobody could pay.
DM me for a consultation.
@tobinshort.bsky.socialFounders plan for the bad quarter. Almost nobody plans for the bad phone call. Payroll lands Friday regardless, and a partner cannot fund a buyout overnight. Ask what funds the promise your operating agreement makes. DM me for a consultation.
@tobinshort.bsky.socialAsk a family what the stay-at-home parent contributes financially and you get a pause.
Price the replacement labor at market rate, for every year still left at home. That obligation usually sits uninsured.
Message me for an honest read on your coverage.
@mdinsuranceadmin.bsky.socialQuick -- think inside the box! What type of life insurance is right for you? Understand the difference between term and cash value and other tips. #ProtectTomorrow and visit our website for resources: https://insurance.maryland.gov/Consumer/Pages/Life.aspx #MDInsurance #LifeInsuranceAwarenessMonth