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August 21, 2019 | Freya Allen Shoffner, Esquire | Main Office

Retirement and You



What do you want to be when you retire? Retirement means so many things to so many people. Classically it has meant leaving your position or occupation and ceasing to work. Historically the age of retirement has been 65. Importantly, it is often a time in your life when you stop generating income.
August 09, 2019 | Freya Allen Shoffner, Esquire | Main Office

Supporting Caregivers





There are vast numbers of people providing care for friends, family and neighbors. There are approximately 40 million Americans who provide help to keep elderly or disabled individuals at home or with family instead of in a specialized facility. Family caregivers are both men and women and are across all ages. Over half of these caregivers are also working full or part time jobs. Almost half report feeling stressed and burned out. Many caregivers also report poor financial and physical health. Managing work and family in addition to caring for a loved one is a big load.
August 07, 2019 | Freya Allen Shoffner, Esquire

Should your Parent Drive?

Driving an automobile can give people independence. Giving up that independence can be a very tough thing to do. While driving can be wonderful, in the wrong hands it is very dangerous for oneself and others. Seniors typically don't realize it's time to stop driving without input or direction from others. It is for that reason it is commonly up to the adult children to decide when their parents should stop driving and rely on other transportation. There are several things to watch for when deciding whether someone should still be driving.


August 05, 2019 | Freya Allen Shoffner, Esquire

Reverse Mortgages

People are often confused about reverse mortgages. They are confused about what they are, how they work, and who qualifies.



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A reverse mortgage is a Home Equity Conversion Mortgage (HECM) loan for homeowners age 62 and older. The homeowner borrows against the equity they have in their home. They receive funds either on a monthly basis, line of credit, or as a lump sum. There are no monthly mortgage payments on a reverse mortgage loan.
July 31, 2019 | Freya Allen Shoffner, Esquire
Your Home, your Children, and Medicaid

You want to protect your home from MassHealth/Medicaid. You want to be proactive and do this before you have to enter a nursing home. Should you transfer it to your children? Probably not.

Typically, one doesn't have to sell one's home to be eligible for Medicaid to cover the expense of nursing home care. However, the state will try to reimburse itself for nursing home Medicaid expenses from your estate after you die. One way the state will try to recover your Medicaid benefits is by filing a claim against your house. To protect your home from Medicaid you may...
July 29, 2019 | Freya Allen Shoffner, Esquire | Main Office

Investment Advisor or Stockbroker?

Investment advisor or stockbroker? The titles are sometimes used interchangeably but they shouldn't be. There are critical differences between the two which are very important to keep in mind.


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July 25, 2019 | Freya Allen Shoffner, Esquire | Main Office

Home Inspections for Buyers and Sellers



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We usually associate home inspections with buyers but they are a valuable tool for both buyers and sellers. The sale of a home is an expensive and time sensitive process. A home inspection can save both money and time for both parties. It is wise to have a home inspection before putting your home on the market or as soon as your offer is accepted. Home inspections give needed information as to the condition of the property and therefore its value.
July 18, 2019 | Freya Allen Shoffner, Esquire | Main Office

Making Your Will Valid





Last wills and testaments, or simply wills, come in different forms. Make sure your will is properly executed so your estate is distributed and handled as you wish upon your death including guardianship of your minor children, and who should manage the administration of your estate.
July 01, 2019 | Freya Allen Shoffner, Esquire | Main Office

Family Medical Leave

Notice to Massachusetts Employers

The Massachusetts Legislature and the Baker-Polito Administration have enacted legislation to delay the start of employer and employee contributions to the Paid Family and Medical Leave program (PFML) by three months to October 1, 2019.

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June 21, 2019 | Freya Allen Shoffner, Esquire | Main Office

Long Term Care – Are the Children Responsible?





In the 17th century English law required that children support their parents when they couldn't support themselves. There are 29 states in the U.S. that have filial responsibility laws making adult children liable for long term care debt of their parents. This can come up if the parents have gone through their savings, which can happen quickly when paying for long term care. The law is on the books but rarely enforced.
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