Dear Friends:

Just as a reminder, the information contained in the workbook is not to be considered as legal advice. They are guidelines. Each situation is unique and should be discussed with your personal attorney. For example, information and forms contained herein may be helpful to some situations, but not all. Always consult with an attorney or certified financial planner before making decisions that will affect your financial situation or when planning to transfer title to real estate. Consult with your banker too regarding your bank accounts. Thank you. With love, care, and concern…My best regards…Charlotte