[{"data":1,"prerenderedAt":4179},["ShallowReactive",2],{"locations":3,"locationAll":1791,"leadership":3126,"blogLatest-long-term care":3335,"$QEJIbFX0hy":4077},[4,372,644,941,1227,1500],{"_path":5,"_dir":6,"_draft":7,"_partial":7,"_locale":8,"title":9,"description":10,"seoTitle":11,"h1":11,"headline":12,"answerCapsule":13,"streetAddress":14,"city":9,"state":15,"zip":16,"phone":17,"url":18,"map":19,"directions":20,"review":21,"phoneDisplay":22,"attorney":23,"attorneyUrl":24,"meetings":25,"inPerson":7,"ratingValue":26,"reviewCount":27,"ratingAsOf":28,"gbpName":29,"gbpCid":30,"latitude":31,"longitude":32,"county":33,"probateCourt":34,"areasServed":35,"services":41,"testimonialsLocation":51,"heroImage":52,"heroImageAlt":53,"differentiators":54,"faqs":60,"subhead":73,"nearestOffice":74,"nearestOfficeName":75,"nearestOfficeAddress":76,"nearestOfficeDirections":77,"body":78,"_type":366,"_id":367,"_source":368,"_file":369,"_stem":370,"_extension":371},"/about-us/locations/ann-arbor","locations",false,"en","Ann Arbor","Estate planning and asset protection for Ann Arbor and Washtenaw County, by video or at our Troy office. Home and accounts moved into your trust. 4.9 stars from 67 Google reviews. Call (866) 577-7296.","Estate Planning Lawyer in Ann Arbor, MI","Probate avoidance and asset protection for Ann Arbor families","Rutkowski Law Firm works with Ann Arbor and Washtenaw County families by secure video and in person at its Troy office, 801 W. Big Beaver Road, led by founding attorney Michael L. Rutkowski. We protect homes, savings and retirement accounts from probate court, lawsuits and long-term care costs, and we do the work families usually get stuck on: moving your home and accounts into your trust, recording your deed with the county and confirming in writing that your plan is done. Rated 4.9 out of 5 from 67 Google reviews. Call (866) 577-7296.","315 E Eisenhower Pkwy, Suite 303b","MI","48108","+1 866-577-7296","https://www.google.com/maps/place/Rutkowski+Law+Firm+Asset+Protection+%26+Estate+Planning/@42.237035,-83.724137,15z/data=!4m5!3m4!1s0x0:0xcb96ebb3a1e6ba72!8m2!3d42.2452637!4d-83.7470967?shorturl=1","https://www.google.com/maps/embed?pb=!1m14!1m8!1m3!1d11815.771197002985!2d-83.724137!3d42.237035!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x883caf0ac4d8dc43%3A0xcb96ebb3a1e6ba72!2sRutkowski%20Law%20Firm%20Asset%20Protection%20%26%20Estate%20Planning!5e0!3m2!1sen!2sgg!4v1737720648098!5m2!1sen!2sgg","https://maps.app.goo.gl/FgDyxKGAMCxzsB7b6","https://www.google.com/search?q=rutkowski+law+firm+ann+arbor&rlz=1C1RXQR_enUS960US960&oq=rutkowski+law+firm+ann+arbor+&aqs=chrome..69i57j69i65j69i60j69i65j69i60l3j69i65.3146j0j7&sourceid=chrome&ie=UTF-#lrd=0x883caf0ac4d8dc43:0xcb96ebb3a1e6ba72,3,,,,","(866) 577-7296","Michael L. Rutkowski","/about-us/team/michael-rutkowski/","By secure video, or in person at our Troy or Rochester office","4.9",67,"October 6, 2026","Rutkowski Law Firm Estate Planning & Asset Protection","14670171992953895538",42.2452637,-83.7470967,"Washtenaw","Washtenaw County Probate Court in Ann Arbor",[9,36,37,38,39,40],"Ypsilanti","Saline","Dexter","Chelsea","Pittsfield Township",[42,43,44,45,46,47,48,49,50],"Estate planning","Living trusts","Wills","Powers of attorney","Lady Bird deeds","Medicaid and nursing home planning","Elder law","Probate","Guardianship and conservatorship","Ann Arbor, MI","/img/hero/ann-arbor.webp","Downtown Ann Arbor, Michigan",[55,56,57,58,59],"funding","asset-shield","crisis-speed","process","virtual",[61,64,67,70],{"q":62,"a":63},"Which court handles probate for Ann Arbor estates?","Ann Arbor is in Washtenaw County, so estates go through the Washtenaw County Probate Court in Ann Arbor. Assets in a funded living trust skip that court.",{"q":65,"a":66},"Do my retirement accounts go into the trust?","Usually not directly. IRAs, 401(k)s and 403(b)s pass by beneficiary designation, so we review and update those forms to match your plan instead of retitling the account.",{"q":68,"a":69},"Where do in-person meetings happen?","Most Ann Arbor clients meet with us by secure video. If you'd rather meet in person, we'll see you at our Troy office at 801 W. Big Beaver Road or our Rochester office at 312 East Street.",{"q":71,"a":72},"Our kids live out of state. Can they be part of the process?","Yes. They can join any meeting by video, and we make sure the powers of attorney name people who can actually act when it's needed.","Most law firms hand you a binder and a to-do list. Rutkowski Law Firm does the work families usually get stuck on: moving your home and accounts into your trust, recording your deed with the county and confirming in writing that your plan is done.","troy","Troy","801 W. Big Beaver Rd., Suite 600, Troy, MI 48084","https://www.google.com/maps/dir/?api=1&destination=801+W+Big+Beaver+Rd+Suite+600,+Troy,+MI+48084",{"type":79,"children":80,"toc":356},"root",[81,90,107,162,167,173,178,183,188,194,199,218,224,229,297,302,312,318,323,328,334,339,344],{"type":82,"tag":83,"props":84,"children":86},"element","h2",{"id":85},"whats-different-about-planning-in-ann-arbor",[87],{"type":88,"value":89},"text","What's different about planning in Ann Arbor?",{"type":82,"tag":91,"props":92,"children":93},"p",{},[94,96,105],{"type":88,"value":95},"Many Ann Arbor families hold much of their wealth in retirement accounts and a valuable home. The median Ann Arbor home is worth about $453,000, according to the ",{"type":82,"tag":97,"props":98,"children":102},"a",{"href":99,"rel":100},"https://www.census.gov/quickfacts/fact/table/annarborcitymichigan/PST045224",[101],"nofollow",[103],{"type":88,"value":104},"U.S. Census Bureau",{"type":88,"value":106},". Retirement accounts pass by beneficiary form, not by will or trust, so those forms have to match the plan.",{"type":82,"tag":91,"props":108,"children":109},{},[110,112,118,120,126,127,132,133,139,140,145,146,152,154,160],{"type":88,"value":111},"That's where plans most often go wrong: a careful trust, and an IRA or 403(b) still naming an ex-spouse or a parent who has passed. If your children live out of state, a finished plan, and powers of attorney someone can actually use from a distance, matter even more. Rutkowski Law Firm handles ",{"type":82,"tag":97,"props":113,"children":115},{"href":114},"/estate-planning/",[116],{"type":88,"value":117},"estate planning",{"type":88,"value":119},", ",{"type":82,"tag":97,"props":121,"children":123},{"href":122},"/estate-planning/trusts/revocable-trust/",[124],{"type":88,"value":125},"living trusts",{"type":88,"value":119},{"type":82,"tag":97,"props":128,"children":130},{"href":129},"/estate-planning/lady-bird-deed/",[131],{"type":88,"value":46},{"type":88,"value":119},{"type":82,"tag":97,"props":134,"children":136},{"href":135},"/estate-planning/power-of-attorney/",[137],{"type":88,"value":138},"powers of attorney",{"type":88,"value":119},{"type":82,"tag":97,"props":141,"children":143},{"href":142},"/medicaid-planning/",[144],{"type":88,"value":47},{"type":88,"value":119},{"type":82,"tag":97,"props":147,"children":149},{"href":148},"/asset-protection/",[150],{"type":88,"value":151},"asset protection",{"type":88,"value":153}," and ",{"type":82,"tag":97,"props":155,"children":157},{"href":156},"/guardianship-conservatorship/",[158],{"type":88,"value":159},"guardianship and conservatorship",{"type":88,"value":161},".",{"type":82,"tag":91,"props":163,"children":164},{},[165],{"type":88,"value":166},"The Asset Shield™ is the complete plan: your trust, deeds, powers of attorney and beneficiary forms, drafted, signed and funded so they work together.",{"type":82,"tag":83,"props":168,"children":170},{"id":169},"what-does-done-for-you-mean-at-rutkowski-law-firm",[171],{"type":88,"value":172},"What does \"done for you\" mean at Rutkowski Law Firm?",{"type":82,"tag":91,"props":174,"children":175},{},[176],{"type":88,"value":177},"It means Ann Arbor families leave with a finished plan, not a to-do list. We move your home and accounts into your trust, record your deed with the county, send the beneficiary-change forms and confirm in writing that your plan is done.",{"type":82,"tag":91,"props":179,"children":180},{},[181],{"type":88,"value":182},"For most Ann Arbor families that means retitling the home and bank accounts into the trust, recording the deed with the Washtenaw County Register of Deeds, and reviewing every retirement-account and life-insurance beneficiary form so it matches the plan.",{"type":82,"tag":91,"props":184,"children":185},{},[186],{"type":88,"value":187},"Most Michigan estate planning attorneys hand Ann Arbor families a binder and leave the bank visits and county filings to them. An unfunded trust doesn't keep anything out of probate court, which is why we treat funding as part of the plan, not an extra. You won't leave with homework.",{"type":82,"tag":83,"props":189,"children":191},{"id":190},"what-if-the-family-is-already-in-a-crisis",[192],{"type":88,"value":193},"What if the family is already in a crisis?",{"type":82,"tag":91,"props":195,"children":196},{},[197],{"type":88,"value":198},"Call us. Rutkowski Law Firm has turned around emergency powers of attorney by the next day, with a notary sent to wherever the parent is, such as a hospital room at Michigan Medicine or Trinity Health Ann Arbor.",{"type":82,"tag":91,"props":200,"children":201},{},[202,204,208,210,216],{"type":88,"value":203},"If a parent can no longer make decisions and there's no power of attorney in place, we handle ",{"type":82,"tag":97,"props":205,"children":206},{"href":156},[207],{"type":88,"value":159},{"type":88,"value":209},". Our guardianship fee includes ongoing guidance and a yearly check-in, so the family isn't left on its own after the court date. If a parent already needs nursing home care, Michigan Medicaid looks back five years at gifts and transfers, so talk to us before moving any money. ",{"type":82,"tag":97,"props":211,"children":213},{"href":212},"/practice-areas/crisis-planning/",[214],{"type":88,"value":215},"Crisis planning",{"type":88,"value":217}," can often still protect part of the savings.",{"type":82,"tag":83,"props":219,"children":221},{"id":220},"how-does-the-process-work",[222],{"type":88,"value":223},"How does the process work?",{"type":82,"tag":91,"props":225,"children":226},{},[227],{"type":88,"value":228},"Every Ann Arbor plan follows the same four steps, and the Rutkowski Law Firm team stays with you through all of them: a Vision Consultation, a design meeting, the signing, and the funding. Nothing is left for you to finish on your own.",{"type":82,"tag":230,"props":231,"children":232},"ol",{},[233,261,277,287],{"type":82,"tag":234,"props":235,"children":236},"li",{},[237,243,245,251,253,259],{"type":82,"tag":238,"props":239,"children":240},"strong",{},[241],{"type":88,"value":242},"Vision Consultation.",{"type":88,"value":244}," ",{"type":82,"tag":97,"props":246,"children":248},{"href":247},"/about-us/team/chris-pletkovic/",[249],{"type":88,"value":250},"Chris Pletkovic",{"type":88,"value":252}," or ",{"type":82,"tag":97,"props":254,"children":256},{"href":255},"/about-us/team/josh-heppner/",[257],{"type":88,"value":258},"Josh Heppner",{"type":88,"value":260}," from our Customer Success team asks what you're protecting and who you're protecting it for, then lays out the options that fit, with the price for each, before you decide anything.",{"type":82,"tag":234,"props":262,"children":263},{},[264,269,271,275],{"type":82,"tag":238,"props":265,"children":266},{},[267],{"type":88,"value":268},"Design.",{"type":88,"value":270}," Our attorneys and paralegals, under founding attorney ",{"type":82,"tag":97,"props":272,"children":273},{"href":24},[274],{"type":88,"value":23},{"type":88,"value":276},", build the plan around your family, your property and your accounts.",{"type":82,"tag":234,"props":278,"children":279},{},[280,285],{"type":82,"tag":238,"props":281,"children":282},{},[283],{"type":88,"value":284},"Signing.",{"type":88,"value":286}," By secure video with a notary, or in person at our Troy office.",{"type":82,"tag":234,"props":288,"children":289},{},[290,295],{"type":82,"tag":238,"props":291,"children":292},{},[293],{"type":88,"value":294},"Funding.",{"type":88,"value":296}," We move your assets into the trust, record the deeds and deliver the finished documents.",{"type":82,"tag":91,"props":298,"children":299},{},[300],{"type":88,"value":301},"You'll have a client portal for your matter, so you can see where things stand at any point. And we keep improving the process: Michael Rutkowski builds the firm's client management system himself, and the team keeps refining each step.",{"type":82,"tag":91,"props":303,"children":304},{},[305,311],{"type":82,"tag":97,"props":306,"children":308},{"href":307},"/schedule/",[309],{"type":88,"value":310},"Schedule your Vision Consultation",{"type":88,"value":161},{"type":82,"tag":83,"props":313,"children":315},{"id":314},"do-i-have-to-come-to-an-office",[316],{"type":88,"value":317},"Do I have to come to an office?",{"type":82,"tag":91,"props":319,"children":320},{},[321],{"type":88,"value":322},"No. Most Ann Arbor families work with us entirely by secure video, including the signing. To meet face to face, we'll see you at our Troy office at 801 W. Big Beaver Road or our Rochester office at 312 East Street.",{"type":82,"tag":91,"props":324,"children":325},{},[326],{"type":88,"value":327},"Phones are answered 24 hours a day; the offices are open weekdays, 9 a.m. to 5 p.m. Video also lets adult children who live elsewhere join the same meeting, so the whole family hears the plan together.",{"type":82,"tag":83,"props":329,"children":331},{"id":330},"which-communities-do-you-serve-near-ann-arbor",[332],{"type":88,"value":333},"Which communities do you serve near Ann Arbor?",{"type":82,"tag":91,"props":335,"children":336},{},[337],{"type":88,"value":338},"We serve Ann Arbor, Ypsilanti, Saline, Dexter, Chelsea and Pittsfield Township, and families anywhere in Michigan by video. Estates in this area are handled by the Washtenaw County Probate Court in Ann Arbor.",{"type":82,"tag":91,"props":340,"children":341},{},[342],{"type":88,"value":343},"Rutkowski Law Firm meets clients in person at its Troy and Rochester offices and works with families anywhere in Michigan by secure video.",{"type":82,"tag":91,"props":345,"children":346},{},[347,349,355],{"type":88,"value":348},"See ",{"type":82,"tag":97,"props":350,"children":352},{"href":351},"/about-us/locations/",[353],{"type":88,"value":354},"every area Rutkowski Law Firm serves",{"type":88,"value":161},{"title":357,"searchDepth":358,"depth":358,"links":359},"",2,[360,361,362,363,364,365],{"id":85,"depth":358,"text":89},{"id":169,"depth":358,"text":172},{"id":190,"depth":358,"text":193},{"id":220,"depth":358,"text":223},{"id":314,"depth":358,"text":317},{"id":330,"depth":358,"text":333},"markdown","content:about-us:locations:ann-arbor.md","content","about-us/locations/ann-arbor.md","about-us/locations/ann-arbor","md",{"_path":373,"_dir":6,"_draft":7,"_partial":7,"_locale":8,"title":374,"description":375,"seoTitle":376,"h1":376,"headline":377,"answerCapsule":378,"streetAddress":379,"city":374,"state":15,"zip":380,"phone":381,"url":382,"map":383,"directions":384,"review":385,"phoneDisplay":386,"attorney":23,"attorneyUrl":24,"meetings":25,"inPerson":7,"ratingValue":26,"reviewCount":387,"ratingAsOf":28,"gbpName":29,"gbpCid":388,"latitude":389,"longitude":390,"county":391,"probateCourt":392,"areasServed":393,"services":399,"testimonialsLocation":400,"heroImage":401,"heroImageAlt":402,"differentiators":403,"faqs":404,"subhead":73,"nearestOffice":74,"nearestOfficeName":75,"nearestOfficeAddress":76,"nearestOfficeDirections":77,"body":416,"_type":366,"_id":641,"_source":368,"_file":642,"_stem":643,"_extension":371},"/about-us/locations/detroit","Detroit","Estate planning for Detroit and Wayne County families: Lady Bird deeds, trusts and powers of attorney, finished for you. 4.9 stars from 89 Google reviews. Call (313) 631-8477.","Estate Planning Lawyer in Detroit, MI","Keep the family home in the family, not in probate court","Rutkowski Law Firm works with Detroit and Wayne County families by secure video and in person at its Troy office, 801 W. Big Beaver Road, led by founding attorney Michael L. Rutkowski. We help families keep the family home out of probate court and protect it from long-term care costs, and we do the work families usually get stuck on: moving your home and accounts into your trust, recording your deed with the county and confirming in writing that your plan is done. Rated 4.9 out of 5 from 89 Google reviews. Call (313) 631-8477.","420 Washington Blvd STE 301","48226","+1 313-631-8477","https://www.google.com/maps/place/Rutkowski+Law+Firm+Asset+Protection+%26+Estate+Planning/@42.3279089,-83.0485417,15z/data=!4m5!3m4!1s0x0:0x2eeaba7b51d31b24!8m2!3d42.3279089!4d-83.0485417?shorturl=1","https://www.google.com/maps/embed?pb=!1m14!1m8!1m3!1d11798.741509319454!2d-83.0485417!3d42.3279089!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x88179d5ca4bbb14d%3A0x2eeaba7b51d31b24!2sRutkowski%20Law%20Firm%20Asset%20Protection%20%26%20Estate%20Planning!5e0!3m2!1sen!2sgg!4v1737720254793!5m2!1sen!2sgg","https://goo.gl/maps/njvtT375bBg13nYE8","https://www.google.com/search?q=Rutkowski+Law+Firm+Asset+Protection+%26+Estate+Planning%2C+420+Washington+Blvd+STE+301%2C+Detroit%2C+MI+48226&sca_esv=78c2cdce3559d586&hl=en-PK&gl=pk&ei=v4CTZ7zbDtSXhbIPzKqU4AI&ved=0ahUKEwj8tpi6p46LAxXUS0EAHUwVBSwQ4dUDCA8&uact=5&oq=Rutkowski+Law+Firm+Asset+Protection+%26+Estate+Planning%2C+420+Washington+Blvd+STE+301%2C+Detroit%2C+MI+48226&gs_lp=Egxnd3Mtd2l6LXNlcnAiZVJ1dGtvd3NraSBMYXcgRmlybSBBc3NldCBQcm90ZWN0aW9uICYgRXN0YXRlIFBsYW5uaW5nLCA0MjAgV2FzaGluZ3RvbiBCbHZkIFNURSAzMDEsIERldHJvaXQsIE1JIDQ4MjI2MgUQABiABDIGEAAYFhgeMgYQABgWGB4yBhAAGBYYHjIGEAAYFhgeMgsQABiABBiGAxiKBTILEAAYgAQYhgMYigUyCxAAGIAEGIYDGIoFMgsQABiABBiGAxiKBTILEAAYgAQYhgMYigVIywxQAFjgAXAAeAGQAQCYAXegAXeqAQMwLjG4AQPIAQD4AQH4AQKYAgGgAn6YAwCSBwMwLjGgB8kJ&sclient=gws-wiz-serp#lrd=0x88179d5ca4bbb14d:0x2eeaba7b51d31b24,3,,,,","(313) 631-8477",89,"3380719509111511844",42.3279089,-83.0485417,"Wayne","Wayne County Probate Court in Detroit",[374,394,395,396,397,398],"Dearborn","Grosse Pointe","Hamtramck","Southfield","Livonia",[42,43,44,45,46,47,48,49,50],"Detroit, MI","/img/hero/detroit.webp","Downtown Detroit, Michigan",[55,56,57,58,59],[405,408,411,413],{"q":406,"a":407},"Which court handles probate for Detroit estates?","Detroit is in Wayne County, so estates go through the Wayne County Probate Court in Detroit. A recorded Lady Bird deed or a funded living trust keeps the house out of it.",{"q":409,"a":410},"My parent's house is the only big asset. Do they still need a plan?","Yes. A house on its own is enough to send an estate to probate, and it's the asset most exposed to nursing home costs. A recorded Lady Bird deed is often the fastest fix.",{"q":68,"a":412},"Most Detroit clients meet with us by secure video. If you'd rather meet in person, we'll see you at our Troy office at 801 W. Big Beaver Road or our Rochester office at 312 East Street.",{"q":414,"a":415},"The house is still in a late parent's name. Can you help?","Yes. That usually takes a probate case to clear the title before the house can be sold, refinanced or protected. Call us and we'll explain the steps for your situation.",{"type":79,"children":417,"toc":633},[418,424,438,478,482,486,491,496,501,505,510,524,528,533,583,587,595,599,604,609,615,620,624],{"type":82,"tag":83,"props":419,"children":421},{"id":420},"why-do-so-many-detroit-homes-get-stuck-after-a-death",[422],{"type":88,"value":423},"Why do so many Detroit homes get stuck after a death?",{"type":82,"tag":91,"props":425,"children":426},{},[427,429,436],{"type":88,"value":428},"Because the house passes down without the paperwork. More than 5,500 Detroit homes have been passed down without legal documentation, according to a ",{"type":82,"tag":97,"props":430,"children":433},{"href":431,"rel":432},"https://wdet.org/2024/03/04/more-than-5500-family-homes-in-detroit-passed-down-without-legal-documentation-report-finds/",[101],[434],{"type":88,"value":435},"2024 Detroit Future City report",{"type":88,"value":437},". Without a recorded deed, the family often can't sell, refinance or get help with repairs.",{"type":82,"tag":91,"props":439,"children":440},{},[441,443,447,448,452,453,457,458,462,463,467,468,472,473,477],{"type":88,"value":442},"For many Detroit families, the home is the single biggest thing they'll pass on. A Lady Bird deed, recorded properly, lets the house go straight to the person you choose without probate court, while you keep full control for the rest of your life. It's often the most affordable way to protect it. Where there are savings to protect from nursing home costs, we build the rest of the plan around it. Rutkowski Law Firm handles ",{"type":82,"tag":97,"props":444,"children":445},{"href":114},[446],{"type":88,"value":117},{"type":88,"value":119},{"type":82,"tag":97,"props":449,"children":450},{"href":122},[451],{"type":88,"value":125},{"type":88,"value":119},{"type":82,"tag":97,"props":454,"children":455},{"href":129},[456],{"type":88,"value":46},{"type":88,"value":119},{"type":82,"tag":97,"props":459,"children":460},{"href":135},[461],{"type":88,"value":138},{"type":88,"value":119},{"type":82,"tag":97,"props":464,"children":465},{"href":142},[466],{"type":88,"value":47},{"type":88,"value":119},{"type":82,"tag":97,"props":469,"children":470},{"href":148},[471],{"type":88,"value":151},{"type":88,"value":153},{"type":82,"tag":97,"props":474,"children":475},{"href":156},[476],{"type":88,"value":159},{"type":88,"value":161},{"type":82,"tag":91,"props":479,"children":480},{},[481],{"type":88,"value":166},{"type":82,"tag":83,"props":483,"children":484},{"id":169},[485],{"type":88,"value":172},{"type":82,"tag":91,"props":487,"children":488},{},[489],{"type":88,"value":490},"It means Detroit families leave with a finished plan, not a to-do list. We move your home and accounts into your trust, record your deed with the county, send the beneficiary-change forms and confirm in writing that your plan is done.",{"type":82,"tag":91,"props":492,"children":493},{},[494],{"type":88,"value":495},"For most Detroit families that starts with the house: we prepare the Lady Bird deed, record it with the Wayne County Register of Deeds, and confirm it was recorded. Then we prepare your powers of attorney and see them signed with the witnesses or notary Michigan requires, so someone can act for you if you can't.",{"type":82,"tag":91,"props":497,"children":498},{},[499],{"type":88,"value":500},"Most Michigan estate planning attorneys hand Detroit families a binder and leave the bank visits and county filings to them. An unfunded trust doesn't keep anything out of probate court, which is why we treat funding as part of the plan, not an extra. You won't leave with homework.",{"type":82,"tag":83,"props":502,"children":503},{"id":190},[504],{"type":88,"value":193},{"type":82,"tag":91,"props":506,"children":507},{},[508],{"type":88,"value":509},"Call us. Rutkowski Law Firm has turned around emergency powers of attorney by the next day, with a notary sent to wherever the parent is, such as a hospital room at Henry Ford Hospital or the Detroit Medical Center.",{"type":82,"tag":91,"props":511,"children":512},{},[513,514,518,519,523],{"type":88,"value":203},{"type":82,"tag":97,"props":515,"children":516},{"href":156},[517],{"type":88,"value":159},{"type":88,"value":209},{"type":82,"tag":97,"props":520,"children":521},{"href":212},[522],{"type":88,"value":215},{"type":88,"value":217},{"type":82,"tag":83,"props":525,"children":526},{"id":220},[527],{"type":88,"value":223},{"type":82,"tag":91,"props":529,"children":530},{},[531],{"type":88,"value":532},"Every Detroit plan follows the same four steps, and the Rutkowski Law Firm team stays with you through all of them: a Vision Consultation, a design meeting, the signing, and the funding. Nothing is left for you to finish on your own.",{"type":82,"tag":230,"props":534,"children":535},{},[536,554,567,575],{"type":82,"tag":234,"props":537,"children":538},{},[539,543,544,548,549,553],{"type":82,"tag":238,"props":540,"children":541},{},[542],{"type":88,"value":242},{"type":88,"value":244},{"type":82,"tag":97,"props":545,"children":546},{"href":247},[547],{"type":88,"value":250},{"type":88,"value":252},{"type":82,"tag":97,"props":550,"children":551},{"href":255},[552],{"type":88,"value":258},{"type":88,"value":260},{"type":82,"tag":234,"props":555,"children":556},{},[557,561,562,566],{"type":82,"tag":238,"props":558,"children":559},{},[560],{"type":88,"value":268},{"type":88,"value":270},{"type":82,"tag":97,"props":563,"children":564},{"href":24},[565],{"type":88,"value":23},{"type":88,"value":276},{"type":82,"tag":234,"props":568,"children":569},{},[570,574],{"type":82,"tag":238,"props":571,"children":572},{},[573],{"type":88,"value":284},{"type":88,"value":286},{"type":82,"tag":234,"props":576,"children":577},{},[578,582],{"type":82,"tag":238,"props":579,"children":580},{},[581],{"type":88,"value":294},{"type":88,"value":296},{"type":82,"tag":91,"props":584,"children":585},{},[586],{"type":88,"value":301},{"type":82,"tag":91,"props":588,"children":589},{},[590,594],{"type":82,"tag":97,"props":591,"children":592},{"href":307},[593],{"type":88,"value":310},{"type":88,"value":161},{"type":82,"tag":83,"props":596,"children":597},{"id":314},[598],{"type":88,"value":317},{"type":82,"tag":91,"props":600,"children":601},{},[602],{"type":88,"value":603},"No. Most Detroit families work with us entirely by secure video, including the signing. To meet face to face, we'll see you at our Troy office at 801 W. Big Beaver Road or our Rochester office at 312 East Street.",{"type":82,"tag":91,"props":605,"children":606},{},[607],{"type":88,"value":608},"Phones are answered 24 hours a day; the offices are open weekdays, 9 a.m. to 5 p.m. Video also makes it easier to include brothers and sisters who live out of state, so everyone hears the same plan at the same time.",{"type":82,"tag":83,"props":610,"children":612},{"id":611},"which-communities-do-you-serve-near-detroit",[613],{"type":88,"value":614},"Which communities do you serve near Detroit?",{"type":82,"tag":91,"props":616,"children":617},{},[618],{"type":88,"value":619},"We serve Detroit, Dearborn, Grosse Pointe, Hamtramck, Southfield and Livonia, and families anywhere in Michigan by video. Estates in this area are handled by the Wayne County Probate Court in Detroit.",{"type":82,"tag":91,"props":621,"children":622},{},[623],{"type":88,"value":343},{"type":82,"tag":91,"props":625,"children":626},{},[627,628,632],{"type":88,"value":348},{"type":82,"tag":97,"props":629,"children":630},{"href":351},[631],{"type":88,"value":354},{"type":88,"value":161},{"title":357,"searchDepth":358,"depth":358,"links":634},[635,636,637,638,639,640],{"id":420,"depth":358,"text":423},{"id":169,"depth":358,"text":172},{"id":190,"depth":358,"text":193},{"id":220,"depth":358,"text":223},{"id":314,"depth":358,"text":317},{"id":611,"depth":358,"text":614},"content:about-us:locations:detroit.md","about-us/locations/detroit.md","about-us/locations/detroit",{"_path":645,"_dir":6,"_draft":7,"_partial":7,"_locale":8,"title":646,"description":647,"seoTitle":648,"h1":648,"headline":649,"answerCapsule":650,"streetAddress":651,"city":646,"state":15,"zip":652,"phone":653,"url":654,"map":655,"directions":656,"review":657,"phoneDisplay":658,"attorney":23,"attorneyUrl":24,"meetings":659,"inPerson":7,"ratingValue":26,"reviewCount":660,"ratingAsOf":28,"gbpName":661,"gbpCid":662,"latitude":663,"longitude":664,"county":646,"probateCourt":665,"areasServed":666,"services":672,"testimonialsLocation":673,"heroImage":674,"heroImageAlt":675,"differentiators":676,"faqs":677,"subhead":73,"nearestOffice":74,"nearestOfficeName":75,"nearestOfficeAddress":76,"nearestOfficeDirections":77,"body":693,"_type":366,"_id":938,"_source":368,"_file":939,"_stem":940,"_extension":371},"/about-us/locations/marquette","Marquette","Estate planning and asset protection for Marquette and the Upper Peninsula, done entirely by video. 4.9 stars from 43 Google reviews. Call (906) 212-9945.","Estate Planning Lawyer in Marquette, MI","Protect your home, camp and savings without the drive downstate","Rutkowski Law Firm works with Marquette and Upper Peninsula families entirely by secure video, led by founding attorney Michael L. Rutkowski. We protect homes, camps and savings from probate court, lawsuits and long-term care costs, and we do the work families usually get stuck on: moving your home and accounts into your trust, recording your deed with the county and confirming in writing that your plan is done, all without a trip downstate. Rated 4.9 out of 5 from 43 Google reviews. Call (906) 212-9945.","132 W Washington St Suite A","49855","+1 906-212-9945","https://www.google.com/maps/place/Rutkowski+Law+Firm+Asset+Protection+%26+Estate+Planning/@46.5435342,-87.3942241,17z/data=!3m1!4b1!4m6!3m5!1s0x4d4e21ae063a94d9:0xe22ce3d857cd9c05!8m2!3d46.5435342!4d-87.3942241!16s%2Fg%2F11srkksw5p?coh=164777&entry=tt&shorturl=1","https://www.google.com/maps/embed?pb=!1m18!1m12!1m3!1d2744.2099143863543!2d-87.3942241!3d46.543534199999996!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x4d4e21ae063a94d9%3A0xe22ce3d857cd9c05!2sRutkowski%20Law%20Firm%20Asset%20Protection%20%26%20Estate%20Planning!5e0!3m2!1sen!2sgg!4v1737720904707!5m2!1sen!2sgg","https://goo.gl/maps/zQrfLgV9akvnYokj9","https://www.google.com/search?q=rutkowski+law+firm+marquette%2C+mi&sca_esv=07057cd0c5299605&rlz=1C1RXQR_enUS960US960&ei=5YOTZ9jjG8S6hbIP4cSXmQI&ved=0ahUKEwiY6s-6qo6LAxVEXUEAHWHiJSMQ4dUDCA8&uact=5&oq=rutkowski+law+firm+marquette%2C+mi&gs_lp=Egxnd3Mtd2l6LXNlcnAiIHJ1dGtvd3NraSBsYXcgZmlybSBtYXJxdWV0dGUsIG1pMgUQIRigATIFECEYoAEyBRAhGKABSL4eUIUPWMkccAJ4AZABAJgBkAGgAewJqgEEMTAuM7gBA8gBAPgBAZgCD6ACkwrCAgoQABiwAxjWBBhHwgIGEAAYFhgewgIIEAAYgAQYogTCAgUQABjvBcICBRAhGJ8FwgIEECEYFcICBxAhGKABGAqYAwCIBgGQBgiSBwQxMS40oAenQQ&sclient=gws-wiz-serp#lrd=0x4d4e21ae063a94d9:0xe22ce3d857cd9c05,3,,,,","(906) 212-9945","By secure video",43,"Rutkowski Law Firm Asset Protection & Estate Planning","16297651669872516101",46.5435342,-87.3942241,"Marquette County Probate Court in Marquette",[646,667,668,669,670,671],"Negaunee","Ishpeming","Harvey","Gwinn","Munising",[42,43,44,45,46,47,48,49,50],"Marquette, MI","/img/hero/marquette.webp","Marquette, Michigan, on Lake Superior",[55,56,57,58,59],[678,681,684,687,690],{"q":679,"a":680},"Which court handles probate for Marquette estates?","Marquette is in Marquette County, so estates go through the Marquette County Probate Court. Assets held in a funded living trust skip that court.",{"q":682,"a":683},"Can we do the whole process without traveling?","Yes. Marquette clients work with us by secure video for every step, including the signing.",{"q":685,"a":686},"We own a camp or cottage. Should it go in the trust?","Usually, yes. Holding it in a funded trust keeps it out of probate and lets you decide in advance how the family shares it.",{"q":688,"a":689},"Should we use a local Marquette attorney instead?","You can, but many small-town attorneys handle all kinds of cases. Rutkowski Law Firm's practice is limited to estate planning, asset protection, Medicaid planning, elder law and guardianship, and we work with Marquette families entirely by secure video.",{"q":691,"a":692},"Our kids live downstate. Can they help manage things?","Yes. We set up powers of attorney and trustee roles that work from a distance, and family members can join any meeting by video.",{"type":79,"children":694,"toc":929},[695,701,714,755,759,763,768,773,778,782,787,801,805,810,861,865,873,879,884,889,895,900,905,911,916,920],{"type":82,"tag":83,"props":696,"children":698},{"id":697},"why-plan-now-if-you-live-in-the-up",[699],{"type":88,"value":700},"Why plan now if you live in the U.P.?",{"type":82,"tag":91,"props":702,"children":703},{},[704,706,712],{"type":88,"value":705},"Because families here are older on average, and distance makes a crisis harder. Nearly one in four Marquette County residents is 65 or older, according to the ",{"type":82,"tag":97,"props":707,"children":710},{"href":708,"rel":709},"https://www.census.gov/quickfacts/fact/table/marquettecountymichigan/PST045224",[101],[711],{"type":88,"value":104},{"type":88,"value":713},". When something happens, the family is often hours away, and paperwork that isn't finished becomes the problem.",{"type":82,"tag":91,"props":715,"children":716},{},[717,719,723,724,728,729,733,734,738,739,743,744,748,749,753],{"type":88,"value":718},"Many Upper Peninsula families own more than one piece of property: the house, a camp, a cottage on the lake, family land. Each one needs its deed handled, or it can end up in probate. Holding them in a funded trust also lets you decide in advance how the family shares them. Rutkowski Law Firm handles ",{"type":82,"tag":97,"props":720,"children":721},{"href":114},[722],{"type":88,"value":117},{"type":88,"value":119},{"type":82,"tag":97,"props":725,"children":726},{"href":122},[727],{"type":88,"value":125},{"type":88,"value":119},{"type":82,"tag":97,"props":730,"children":731},{"href":129},[732],{"type":88,"value":46},{"type":88,"value":119},{"type":82,"tag":97,"props":735,"children":736},{"href":135},[737],{"type":88,"value":138},{"type":88,"value":119},{"type":82,"tag":97,"props":740,"children":741},{"href":142},[742],{"type":88,"value":47},{"type":88,"value":119},{"type":82,"tag":97,"props":745,"children":746},{"href":148},[747],{"type":88,"value":151},{"type":88,"value":153},{"type":82,"tag":97,"props":750,"children":751},{"href":156},[752],{"type":88,"value":159},{"type":88,"value":754},", all by video.",{"type":82,"tag":91,"props":756,"children":757},{},[758],{"type":88,"value":166},{"type":82,"tag":83,"props":760,"children":761},{"id":169},[762],{"type":88,"value":172},{"type":82,"tag":91,"props":764,"children":765},{},[766],{"type":88,"value":767},"It means Marquette families leave with a finished plan, not a to-do list. We move your home and accounts into your trust, record your deed with the county, send the beneficiary-change forms and confirm in writing that your plan is done.",{"type":82,"tag":91,"props":769,"children":770},{},[771],{"type":88,"value":772},"For most U.P. families that means recording a deed for every property, sometimes in more than one county, retitling the accounts, and signing powers of attorney so someone can act for you even if they live downstate.",{"type":82,"tag":91,"props":774,"children":775},{},[776],{"type":88,"value":777},"Most Michigan estate planning attorneys hand Marquette families a binder and leave the bank visits and county filings to them. An unfunded trust doesn't keep anything out of probate court, which is why we treat funding as part of the plan, not an extra. You won't leave with homework.",{"type":82,"tag":83,"props":779,"children":780},{"id":190},[781],{"type":88,"value":193},{"type":82,"tag":91,"props":783,"children":784},{},[785],{"type":88,"value":786},"Call us. Rutkowski Law Firm has turned around emergency powers of attorney by the next day. If a parent is suddenly at UP Health System–Marquette or back home after a fall, we can arrange the signing by video with a notary where they are.",{"type":82,"tag":91,"props":788,"children":789},{},[790,791,795,796,800],{"type":88,"value":203},{"type":82,"tag":97,"props":792,"children":793},{"href":156},[794],{"type":88,"value":159},{"type":88,"value":209},{"type":82,"tag":97,"props":797,"children":798},{"href":212},[799],{"type":88,"value":215},{"type":88,"value":217},{"type":82,"tag":83,"props":802,"children":803},{"id":220},[804],{"type":88,"value":223},{"type":82,"tag":91,"props":806,"children":807},{},[808],{"type":88,"value":809},"Every Marquette plan follows the same four steps, and the Rutkowski Law Firm team stays with you through all of them: a Vision Consultation, a design meeting, the signing, and the funding. Nothing is left for you to finish on your own.",{"type":82,"tag":230,"props":811,"children":812},{},[813,831,844,853],{"type":82,"tag":234,"props":814,"children":815},{},[816,820,821,825,826,830],{"type":82,"tag":238,"props":817,"children":818},{},[819],{"type":88,"value":242},{"type":88,"value":244},{"type":82,"tag":97,"props":822,"children":823},{"href":247},[824],{"type":88,"value":250},{"type":88,"value":252},{"type":82,"tag":97,"props":827,"children":828},{"href":255},[829],{"type":88,"value":258},{"type":88,"value":260},{"type":82,"tag":234,"props":832,"children":833},{},[834,838,839,843],{"type":82,"tag":238,"props":835,"children":836},{},[837],{"type":88,"value":268},{"type":88,"value":270},{"type":82,"tag":97,"props":840,"children":841},{"href":24},[842],{"type":88,"value":23},{"type":88,"value":276},{"type":82,"tag":234,"props":845,"children":846},{},[847,851],{"type":82,"tag":238,"props":848,"children":849},{},[850],{"type":88,"value":284},{"type":88,"value":852}," By secure video with a notary, from home.",{"type":82,"tag":234,"props":854,"children":855},{},[856,860],{"type":82,"tag":238,"props":857,"children":858},{},[859],{"type":88,"value":294},{"type":88,"value":296},{"type":82,"tag":91,"props":862,"children":863},{},[864],{"type":88,"value":301},{"type":82,"tag":91,"props":866,"children":867},{},[868,872],{"type":82,"tag":97,"props":869,"children":870},{"href":307},[871],{"type":88,"value":310},{"type":88,"value":161},{"type":82,"tag":83,"props":874,"children":876},{"id":875},"do-i-have-to-travel-to-meet-with-you",[877],{"type":88,"value":878},"Do I have to travel to meet with you?",{"type":82,"tag":91,"props":880,"children":881},{},[882],{"type":88,"value":883},"No. Marquette and Upper Peninsula families work with us entirely by secure video, from the first conversation through the signing. Phones are answered 24 hours a day, and our team is available Monday to Friday, 9 a.m. to 5 p.m. Eastern.",{"type":82,"tag":91,"props":885,"children":886},{},[887],{"type":88,"value":888},"If you're downstate anyway, you're welcome to meet in person at our Troy office at 801 W. Big Beaver Road or our Rochester office at 312 East Street.",{"type":82,"tag":83,"props":890,"children":892},{"id":891},"should-i-hire-a-local-marquette-attorney-instead",[893],{"type":88,"value":894},"Should I hire a local Marquette attorney instead?",{"type":82,"tag":91,"props":896,"children":897},{},[898],{"type":88,"value":899},"You can, but in smaller communities the local attorney often handles many kinds of cases, from real estate closings to divorces, with estate planning as one part of the job. Rutkowski Law Firm's practice is limited to estate planning, asset protection, Medicaid planning, elder law and guardianship.",{"type":82,"tag":91,"props":901,"children":902},{},[903],{"type":88,"value":904},"Your plan is governed by Michigan law, which is the same in Marquette as it is in Troy, and a Michigan attorney can handle it from anywhere in the state. What matters more than the drive is whether the plan gets finished: your home and accounts moved into your trust, your deed recorded with the Marquette County Register of Deeds and your beneficiary designations updated. Rutkowski Law Firm does that part for you, by secure video, from the first conversation through the signing.",{"type":82,"tag":83,"props":906,"children":908},{"id":907},"which-communities-do-you-serve-near-marquette",[909],{"type":88,"value":910},"Which communities do you serve near Marquette?",{"type":82,"tag":91,"props":912,"children":913},{},[914],{"type":88,"value":915},"We serve Marquette, Negaunee, Ishpeming, Harvey, Gwinn and Munising, and families anywhere in Michigan by video. Estates in Marquette County are handled by the Marquette County Probate Court.",{"type":82,"tag":91,"props":917,"children":918},{},[919],{"type":88,"value":343},{"type":82,"tag":91,"props":921,"children":922},{},[923,924,928],{"type":88,"value":348},{"type":82,"tag":97,"props":925,"children":926},{"href":351},[927],{"type":88,"value":354},{"type":88,"value":161},{"title":357,"searchDepth":358,"depth":358,"links":930},[931,932,933,934,935,936,937],{"id":697,"depth":358,"text":700},{"id":169,"depth":358,"text":172},{"id":190,"depth":358,"text":193},{"id":220,"depth":358,"text":223},{"id":875,"depth":358,"text":878},{"id":891,"depth":358,"text":894},{"id":907,"depth":358,"text":910},"content:about-us:locations:marquette.md","about-us/locations/marquette.md","about-us/locations/marquette",{"_path":942,"_dir":6,"_draft":7,"_partial":7,"_locale":8,"title":943,"description":944,"seoTitle":945,"h1":945,"headline":946,"answerCapsule":947,"streetAddress":948,"city":943,"state":15,"zip":949,"phone":950,"url":951,"map":952,"directions":953,"review":954,"phoneDisplay":955,"attorney":23,"attorneyUrl":24,"meetings":956,"inPerson":957,"ratingValue":958,"reviewCount":959,"ratingAsOf":28,"gbpName":29,"gbpCid":960,"latitude":961,"longitude":962,"county":963,"probateCourt":964,"areasServed":965,"services":971,"testimonialsLocation":972,"heroImage":973,"heroImageAlt":974,"differentiators":975,"faqs":976,"subhead":73,"body":989,"_type":366,"_id":1224,"_source":368,"_file":1225,"_stem":1226,"_extension":371},"/about-us/locations/rochester","Rochester","Estate planning and asset protection on East Street in Rochester, MI. Home and accounts moved into your trust, deed recorded with the county. 4.8 stars from 202 Google reviews. Call (248) 920-9841.","Estate Planning Lawyer in Rochester, MI","Keep your home and savings out of probate court","Rutkowski Law Firm is an estate planning and asset protection law firm at 312 East Street in downtown Rochester, Michigan, led by founding attorney Michael L. Rutkowski. We help Rochester and Rochester Hills homeowners protect what they've built from probate court, lawsuits and long-term care costs, and we do the work families usually get stuck on: moving your home and accounts into your trust, recording your deed with the county and confirming in writing that your plan is done. Rated 4.8 out of 5 from 202 Google reviews. Call (248) 920-9841.","312 East Street","48307","+1 248-920-9841","https://www.google.com/maps/place/Rutkowski+Law+Firm+Asset+Protection+%26+Estate+Planning/@42.6762956,-83.1475895,14z/data=!4m5!3m4!1s0x0:0x9fcee7fcbcbc795e!8m2!3d42.6746006!4d-83.1513735?shorturl=1","https://www.google.com/maps/embed?pb=!1m14!1m8!1m3!1d23466.35904315655!2d-83.1475895!3d42.6762956!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x8824e995caa5852d%3A0x9fcee7fcbcbc795e!2sRutkowski%20Law%20Firm%20Asset%20Protection%20%26%20Estate%20Planning!5e0!3m2!1sen!2sgg!4v1737720474633!5m2!1sen!2sgg","https://goo.gl/maps/LP75GYr7Co6ECN4F9","https://g.page/r/CV55vLz8586fEAI/review","(248) 920-9841","In person at our East Street office, or by secure video",true,"4.8",202,"11515396369917180254",42.6800904,-83.1318299,"Oakland","Oakland County Probate Court in Pontiac",[943,966,967,968,969,970],"Rochester Hills","Oakland Township","Auburn Hills","Lake Orion","Shelby Township",[42,43,44,45,46,47,48,49,50],"Rochester, MI","/img/hero/rochester.webp","Downtown Rochester, Michigan, near the Rutkowski Law Firm office on East Street",[55,56,57,58,59],[977,980,983,986],{"q":978,"a":979},"Is there parking at the Rochester office?","Yes. Rutkowski Law Firm has dedicated on-site parking at the building on East Street, so you can pull right up instead of hunting for a spot downtown.",{"q":981,"a":982},"Which court handles probate for Rochester and Rochester Hills estates?","Both are in Oakland County, so estates go through the Oakland County Probate Court in Pontiac. Assets held in a funded living trust stay out of that court.",{"q":984,"a":985},"We already have a trust from another firm. Can you check whether it's funded?","Yes. Bring the documents to a Vision Consultation. Many trusts we review were signed but never funded, which means the house and accounts would still go through probate.",{"q":987,"a":988},"Do I need to live in Rochester to work with this office?","No. Families across Michigan work with the Rochester office, and every meeting, including the signing, can happen by secure video.",{"type":79,"children":990,"toc":1216},[991,997,1010,1050,1054,1058,1063,1068,1073,1077,1082,1096,1100,1105,1156,1160,1168,1174,1179,1184,1190,1195,1207],{"type":82,"tag":83,"props":992,"children":994},{"id":993},"why-do-rochester-families-need-more-than-a-will",[995],{"type":88,"value":996},"Why do Rochester families need more than a will?",{"type":82,"tag":91,"props":998,"children":999},{},[1000,1002,1008],{"type":88,"value":1001},"Because the house alone puts most Rochester estates over the line. The median Rochester home is worth about $473,000, according to the ",{"type":82,"tag":97,"props":1003,"children":1006},{"href":1004,"rel":1005},"https://www.census.gov/quickfacts/fact/table/rochestercitymichigan/PST045224",[101],[1007],{"type":88,"value":104},{"type":88,"value":1009},". Without a funded trust or a Lady Bird deed, that home goes through the Oakland County Probate Court in Pontiac, on the public record.",{"type":82,"tag":91,"props":1011,"children":1012},{},[1013,1015,1019,1020,1024,1025,1029,1030,1034,1035,1039,1040,1044,1045,1049],{"type":88,"value":1014},"If you've lived in Rochester or Rochester Hills for years, you probably own the house outright, have retirement accounts and savings, and want three things: keep the house out of court, keep a nursing home from taking it, and keep the peace between the kids afterwards. Rutkowski Law Firm handles ",{"type":82,"tag":97,"props":1016,"children":1017},{"href":114},[1018],{"type":88,"value":117},{"type":88,"value":119},{"type":82,"tag":97,"props":1021,"children":1022},{"href":122},[1023],{"type":88,"value":125},{"type":88,"value":119},{"type":82,"tag":97,"props":1026,"children":1027},{"href":129},[1028],{"type":88,"value":46},{"type":88,"value":119},{"type":82,"tag":97,"props":1031,"children":1032},{"href":135},[1033],{"type":88,"value":138},{"type":88,"value":119},{"type":82,"tag":97,"props":1036,"children":1037},{"href":142},[1038],{"type":88,"value":47},{"type":88,"value":119},{"type":82,"tag":97,"props":1041,"children":1042},{"href":148},[1043],{"type":88,"value":151},{"type":88,"value":153},{"type":82,"tag":97,"props":1046,"children":1047},{"href":156},[1048],{"type":88,"value":159},{"type":88,"value":161},{"type":82,"tag":91,"props":1051,"children":1052},{},[1053],{"type":88,"value":166},{"type":82,"tag":83,"props":1055,"children":1056},{"id":169},[1057],{"type":88,"value":172},{"type":82,"tag":91,"props":1059,"children":1060},{},[1061],{"type":88,"value":1062},"It means Rochester families leave with a finished plan, not a to-do list. We move your home and accounts into your trust, record your deed with the county, send the beneficiary-change forms and confirm in writing that your plan is done.",{"type":82,"tag":91,"props":1064,"children":1065},{},[1066],{"type":88,"value":1067},"For most Rochester families that means recording the deed that moves the house into the trust with the Oakland County Register of Deeds, retitling the bank and brokerage accounts, and updating the beneficiary forms on IRAs and 401(k)s so they match the plan.",{"type":82,"tag":91,"props":1069,"children":1070},{},[1071],{"type":88,"value":1072},"Most Michigan estate planning attorneys hand Rochester families a binder and leave the bank visits and county filings to them. An unfunded trust doesn't keep anything out of probate court, which is why we treat funding as part of the plan, not an extra. You won't leave with homework.",{"type":82,"tag":83,"props":1074,"children":1075},{"id":190},[1076],{"type":88,"value":193},{"type":82,"tag":91,"props":1078,"children":1079},{},[1080],{"type":88,"value":1081},"Call us. Rutkowski Law Firm has turned around emergency powers of attorney by the next day, with a notary sent to wherever the parent is, such as a hospital room at Ascension Providence Rochester Hospital or Corewell Health in Troy or Royal Oak.",{"type":82,"tag":91,"props":1083,"children":1084},{},[1085,1086,1090,1091,1095],{"type":88,"value":203},{"type":82,"tag":97,"props":1087,"children":1088},{"href":156},[1089],{"type":88,"value":159},{"type":88,"value":209},{"type":82,"tag":97,"props":1092,"children":1093},{"href":212},[1094],{"type":88,"value":215},{"type":88,"value":217},{"type":82,"tag":83,"props":1097,"children":1098},{"id":220},[1099],{"type":88,"value":223},{"type":82,"tag":91,"props":1101,"children":1102},{},[1103],{"type":88,"value":1104},"Every Rochester plan follows the same four steps, and the Rutkowski Law Firm team stays with you through all of them: a Vision Consultation, a design meeting, the signing, and the funding. Nothing is left for you to finish on your own.",{"type":82,"tag":230,"props":1106,"children":1107},{},[1108,1126,1139,1148],{"type":82,"tag":234,"props":1109,"children":1110},{},[1111,1115,1116,1120,1121,1125],{"type":82,"tag":238,"props":1112,"children":1113},{},[1114],{"type":88,"value":242},{"type":88,"value":244},{"type":82,"tag":97,"props":1117,"children":1118},{"href":247},[1119],{"type":88,"value":250},{"type":88,"value":252},{"type":82,"tag":97,"props":1122,"children":1123},{"href":255},[1124],{"type":88,"value":258},{"type":88,"value":260},{"type":82,"tag":234,"props":1127,"children":1128},{},[1129,1133,1134,1138],{"type":82,"tag":238,"props":1130,"children":1131},{},[1132],{"type":88,"value":268},{"type":88,"value":270},{"type":82,"tag":97,"props":1135,"children":1136},{"href":24},[1137],{"type":88,"value":23},{"type":88,"value":276},{"type":82,"tag":234,"props":1140,"children":1141},{},[1142,1146],{"type":82,"tag":238,"props":1143,"children":1144},{},[1145],{"type":88,"value":284},{"type":88,"value":1147}," At our East Street office, at the Troy office, or through our secure virtual signing process.",{"type":82,"tag":234,"props":1149,"children":1150},{},[1151,1155],{"type":82,"tag":238,"props":1152,"children":1153},{},[1154],{"type":88,"value":294},{"type":88,"value":296},{"type":82,"tag":91,"props":1157,"children":1158},{},[1159],{"type":88,"value":301},{"type":82,"tag":91,"props":1161,"children":1162},{},[1163,1167],{"type":82,"tag":97,"props":1164,"children":1165},{"href":307},[1166],{"type":88,"value":310},{"type":88,"value":161},{"type":82,"tag":83,"props":1169,"children":1171},{"id":1170},"can-i-meet-in-person-at-the-rochester-office",[1172],{"type":88,"value":1173},"Can I meet in person at the Rochester office?",{"type":82,"tag":91,"props":1175,"children":1176},{},[1177],{"type":88,"value":1178},"Yes. You can meet our team in person at 312 East Street, or do every meeting by secure video, including the signing. The office is open Monday to Friday, 9 a.m. to 5 p.m., and our phones are answered 24 hours a day.",{"type":82,"tag":91,"props":1180,"children":1181},{},[1182],{"type":88,"value":1183},"There's dedicated parking at the building on East Street, so you won't be feeding a meter downtown. Adult children helping a parent from out of state can join any meeting by video.",{"type":82,"tag":83,"props":1185,"children":1187},{"id":1186},"which-communities-do-you-serve-near-rochester",[1188],{"type":88,"value":1189},"Which communities do you serve near Rochester?",{"type":82,"tag":91,"props":1191,"children":1192},{},[1193],{"type":88,"value":1194},"The Rochester office serves Rochester, Rochester Hills, Oakland Township, Auburn Hills, Lake Orion and Shelby Township, and families anywhere in Michigan by video. Estates in this area are handled by the Oakland County Probate Court in Pontiac.",{"type":82,"tag":91,"props":1196,"children":1197},{},[1198,1200,1205],{"type":88,"value":1199},"Rutkowski Law Firm meets clients in person at its ",{"type":82,"tag":97,"props":1201,"children":1203},{"href":1202},"/about-us/locations/troy/",[1204],{"type":88,"value":75},{"type":88,"value":1206}," and Rochester offices and works with families anywhere in Michigan by secure video.",{"type":82,"tag":91,"props":1208,"children":1209},{},[1210,1211,1215],{"type":88,"value":348},{"type":82,"tag":97,"props":1212,"children":1213},{"href":351},[1214],{"type":88,"value":354},{"type":88,"value":161},{"title":357,"searchDepth":358,"depth":358,"links":1217},[1218,1219,1220,1221,1222,1223],{"id":993,"depth":358,"text":996},{"id":169,"depth":358,"text":172},{"id":190,"depth":358,"text":193},{"id":220,"depth":358,"text":223},{"id":1170,"depth":358,"text":1173},{"id":1186,"depth":358,"text":1189},"content:about-us:locations:rochester.md","about-us/locations/rochester.md","about-us/locations/rochester",{"_path":1228,"_dir":6,"_draft":7,"_partial":7,"_locale":8,"title":1229,"description":1230,"seoTitle":1231,"h1":1231,"headline":1232,"answerCapsule":1233,"streetAddress":1234,"city":1229,"state":15,"zip":1235,"phone":1236,"url":1237,"map":1238,"directions":1239,"review":1240,"phoneDisplay":1241,"attorney":23,"attorneyUrl":24,"meetings":25,"inPerson":7,"ratingValue":1242,"reviewCount":1243,"ratingAsOf":28,"gbpName":1244,"gbpCid":1245,"latitude":1246,"longitude":1247,"county":1248,"probateCourt":1249,"areasServed":1250,"services":1255,"testimonialsLocation":1256,"heroImage":1257,"heroImageAlt":1258,"differentiators":1259,"faqs":1260,"subhead":73,"nearestOffice":74,"nearestOfficeName":75,"nearestOfficeAddress":76,"nearestOfficeDirections":77,"body":1272,"_type":366,"_id":1497,"_source":368,"_file":1498,"_stem":1499,"_extension":371},"/about-us/locations/sterling-heights","Sterling Heights","Estate planning and asset protection for Sterling Heights and Macomb County families, by video or at our Troy or Rochester office. 5.0 stars from 158 Google reviews. Call (586) 519-6318.","Estate Planning Lawyer in Sterling Heights, MI","Protect the house, the business and the family","Rutkowski Law Firm works with Sterling Heights and Macomb County families by secure video and in person at its Troy and Rochester offices, led by founding attorney Michael L. Rutkowski. We protect what you've built from probate court, lawsuits and long-term care costs, and we do the work families usually get stuck on: moving your home and accounts into your trust, recording your deed with the county and confirming in writing that your plan is done. Rated 5.0 out of 5 from 158 Google reviews. Call (586) 519-6318.","12900 Hall Rd #180","48313","+1 (586) 519-6318","https://www.google.com/maps/place/Rutkowski+Law+Firm+Asset+Protection+%26+Estate+Planning/@42.6253986,-83.0004654,15z/data=!4m5!3m4!1s0x0:0x467fb05f67273e7a!8m2!3d42.6253986!4d-83.0004654?shorturl=1","https://www.google.com/maps/embed?pb=!1m14!1m8!1m3!1d11742.784812154274!2d-83.0004654!3d42.6253986!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x8824dde4d52b9b17%3A0x467fb05f67273e7a!2sRutkowski%20Law%20Firm%20Asset%20Protection%20%26%20Estate%20Planning!5e0!3m2!1sen!2sgg!4v1737720352678!5m2!1sen!2sgg","https://www.google.com/maps/dir/?api=1&destination=12900+Hall+Rd+%23180,+Sterling+Heights,+MI+48313","https://www.google.com/search?q=Rutkowski+Law+Firm+Asset+Protection+%26+Estate+Planning%2C+12900+Hall+Rd+%23180%2C+Sterling+Heights%2C+MI+48313&sca_esv=78c2cdce3559d586&hl=en-PK&gl=pk&ei=B4CTZ8W5BI6qhbIPhJKYmQU&ved=0ahUKEwiF2a_ipo6LAxUOVUEAHQQJJlMQ4dUDCA8&uact=5&oq=Rutkowski+Law+Firm+Asset+Protection+%26+Estate+Planning%2C+12900+Hall+Rd+%23180%2C+Sterling+Heights%2C+MI+48313&gs_lp=Egxnd3Mtd2l6LXNlcnAiZVJ1dGtvd3NraSBMYXcgRmlybSBBc3NldCBQcm90ZWN0aW9uICYgRXN0YXRlIFBsYW5uaW5nLCAxMjkwMCBIYWxsIFJkICMxODAsIFN0ZXJsaW5nIEhlaWdodHMsIE1JIDQ4MzEzSABQAFgAcAB4AZABAJgBAKABAKoBALgBA8gBAPgBAvgBAZgCAKACAJgDAJIHAKAHAA&sclient=gws-wiz-serp#lrd=0x8824dde4d52b9b17:0x467fb05f67273e7a,3,,,,","(586) 519-6318","5.0",158,"Rutkowski Law Firm","5079972828496215674",42.6253986,-83.0004654,"Macomb","Macomb County Probate Court in Mount Clemens",[1229,970,1251,1252,1253,1254],"Macomb Township","Clinton Township","Utica","Warren",[42,43,44,45,46,47,48,49,50],"Sterling Heights, MI","/img/hero/sterling-heights.webp","Sterling Heights, Michigan",[55,56,57,58,59],[1261,1264,1266,1269],{"q":1262,"a":1263},"Which court handles probate for Sterling Heights estates?","Sterling Heights is in Macomb County, so estates go through the Macomb County Probate Court in Mount Clemens. Assets in a funded living trust skip that court.",{"q":68,"a":1265},"Most Sterling Heights clients meet with us by secure video. If you'd rather meet in person, we'll see you at our Troy office at 801 W. Big Beaver Road or our Rochester office at 312 East Street.",{"q":1267,"a":1268},"We own a family business. Does it belong in the estate plan?","Yes. The plan should say who runs the business and who owns it if you can't, and keep a lawsuit against the business from reaching your personal savings, or the reverse.",{"q":1270,"a":1271},"Is a Lady Bird deed enough on its own?","It protects the house from probate, but not your accounts, and it doesn't name anyone to make decisions if you can't. Most families pair it with a will, powers of attorney and, often, a trust.",{"type":79,"children":1273,"toc":1489},[1274,1280,1293,1333,1337,1341,1346,1351,1356,1360,1365,1379,1383,1388,1439,1443,1451,1455,1460,1465,1471,1476,1480],{"type":82,"tag":83,"props":1275,"children":1277},{"id":1276},"what-do-sterling-heights-families-most-need-to-protect",[1278],{"type":88,"value":1279},"What do Sterling Heights families most need to protect?",{"type":82,"tag":91,"props":1281,"children":1282},{},[1283,1285,1291],{"type":88,"value":1284},"Usually the house and, often, a family business. About three in four Sterling Heights homes are owner-occupied and nearly one in five residents is 65 or older, according to the ",{"type":82,"tag":97,"props":1286,"children":1289},{"href":1287,"rel":1288},"https://www.census.gov/quickfacts/fact/table/sterlingheightscitymichigan/PST045224",[101],[1290],{"type":88,"value":104},{"type":88,"value":1292},". That's a lot of paid-off homes heading toward probate and nursing home bills.",{"type":82,"tag":91,"props":1294,"children":1295},{},[1296,1298,1302,1303,1307,1308,1312,1313,1317,1318,1322,1323,1327,1328,1332],{"type":88,"value":1297},"Sterling Heights is also a diverse city: more than a third of residents speak a language other than English at home. Many families here are multigenerational, with parents, children and sometimes a family business under one plan. Keeping the business and the house apart from each other's risks, and making sure everyone understands the plan, matters as much as the documents. Rutkowski Law Firm handles ",{"type":82,"tag":97,"props":1299,"children":1300},{"href":114},[1301],{"type":88,"value":117},{"type":88,"value":119},{"type":82,"tag":97,"props":1304,"children":1305},{"href":122},[1306],{"type":88,"value":125},{"type":88,"value":119},{"type":82,"tag":97,"props":1309,"children":1310},{"href":129},[1311],{"type":88,"value":46},{"type":88,"value":119},{"type":82,"tag":97,"props":1314,"children":1315},{"href":135},[1316],{"type":88,"value":138},{"type":88,"value":119},{"type":82,"tag":97,"props":1319,"children":1320},{"href":142},[1321],{"type":88,"value":47},{"type":88,"value":119},{"type":82,"tag":97,"props":1324,"children":1325},{"href":148},[1326],{"type":88,"value":151},{"type":88,"value":153},{"type":82,"tag":97,"props":1329,"children":1330},{"href":156},[1331],{"type":88,"value":159},{"type":88,"value":161},{"type":82,"tag":91,"props":1334,"children":1335},{},[1336],{"type":88,"value":166},{"type":82,"tag":83,"props":1338,"children":1339},{"id":169},[1340],{"type":88,"value":172},{"type":82,"tag":91,"props":1342,"children":1343},{},[1344],{"type":88,"value":1345},"It means Sterling Heights families leave with a finished plan, not a to-do list. We move your home and accounts into your trust, record your deed with the county, send the beneficiary-change forms and confirm in writing that your plan is done.",{"type":82,"tag":91,"props":1347,"children":1348},{},[1349],{"type":88,"value":1350},"For most Sterling Heights families that means recording a Lady Bird deed or trust deed with the Macomb County Register of Deeds, retitling the accounts, and, where there's a business, making sure the plan covers who runs it and who owns it if something happens.",{"type":82,"tag":91,"props":1352,"children":1353},{},[1354],{"type":88,"value":1355},"Most Michigan estate planning attorneys hand Sterling Heights families a binder and leave the bank visits and county filings to them. An unfunded trust doesn't keep anything out of probate court, which is why we treat funding as part of the plan, not an extra. You won't leave with homework.",{"type":82,"tag":83,"props":1357,"children":1358},{"id":190},[1359],{"type":88,"value":193},{"type":82,"tag":91,"props":1361,"children":1362},{},[1363],{"type":88,"value":1364},"Call us. Rutkowski Law Firm has turned around emergency powers of attorney by the next day, with a notary sent to wherever the parent is, such as a hospital room at Henry Ford Macomb Hospital or Ascension Macomb-Oakland.",{"type":82,"tag":91,"props":1366,"children":1367},{},[1368,1369,1373,1374,1378],{"type":88,"value":203},{"type":82,"tag":97,"props":1370,"children":1371},{"href":156},[1372],{"type":88,"value":159},{"type":88,"value":209},{"type":82,"tag":97,"props":1375,"children":1376},{"href":212},[1377],{"type":88,"value":215},{"type":88,"value":217},{"type":82,"tag":83,"props":1380,"children":1381},{"id":220},[1382],{"type":88,"value":223},{"type":82,"tag":91,"props":1384,"children":1385},{},[1386],{"type":88,"value":1387},"Every Sterling Heights plan follows the same four steps, and the Rutkowski Law Firm team stays with you through all of them: a Vision Consultation, a design meeting, the signing, and the funding. Nothing is left for you to finish on your own.",{"type":82,"tag":230,"props":1389,"children":1390},{},[1391,1409,1422,1431],{"type":82,"tag":234,"props":1392,"children":1393},{},[1394,1398,1399,1403,1404,1408],{"type":82,"tag":238,"props":1395,"children":1396},{},[1397],{"type":88,"value":242},{"type":88,"value":244},{"type":82,"tag":97,"props":1400,"children":1401},{"href":247},[1402],{"type":88,"value":250},{"type":88,"value":252},{"type":82,"tag":97,"props":1405,"children":1406},{"href":255},[1407],{"type":88,"value":258},{"type":88,"value":260},{"type":82,"tag":234,"props":1410,"children":1411},{},[1412,1416,1417,1421],{"type":82,"tag":238,"props":1413,"children":1414},{},[1415],{"type":88,"value":268},{"type":88,"value":270},{"type":82,"tag":97,"props":1418,"children":1419},{"href":24},[1420],{"type":88,"value":23},{"type":88,"value":276},{"type":82,"tag":234,"props":1423,"children":1424},{},[1425,1429],{"type":82,"tag":238,"props":1426,"children":1427},{},[1428],{"type":88,"value":284},{"type":88,"value":1430}," By secure video with a notary, or in person at our Troy or Rochester office.",{"type":82,"tag":234,"props":1432,"children":1433},{},[1434,1438],{"type":82,"tag":238,"props":1435,"children":1436},{},[1437],{"type":88,"value":294},{"type":88,"value":296},{"type":82,"tag":91,"props":1440,"children":1441},{},[1442],{"type":88,"value":301},{"type":82,"tag":91,"props":1444,"children":1445},{},[1446,1450],{"type":82,"tag":97,"props":1447,"children":1448},{"href":307},[1449],{"type":88,"value":310},{"type":88,"value":161},{"type":82,"tag":83,"props":1452,"children":1453},{"id":314},[1454],{"type":88,"value":317},{"type":82,"tag":91,"props":1456,"children":1457},{},[1458],{"type":88,"value":1459},"No. Most Sterling Heights families work with us entirely by secure video, including the signing. To meet face to face, we'll see you at our Troy office at 801 W. Big Beaver Road or our Rochester office at 312 East Street.",{"type":82,"tag":91,"props":1461,"children":1462},{},[1463],{"type":88,"value":1464},"Phones are answered 24 hours a day; the offices are open weekdays, 9 a.m. to 5 p.m. Video works well for multigenerational families: parents, adult children and anyone helping with the business can join the same meeting from wherever they are.",{"type":82,"tag":83,"props":1466,"children":1468},{"id":1467},"which-communities-do-you-serve-near-sterling-heights",[1469],{"type":88,"value":1470},"Which communities do you serve near Sterling Heights?",{"type":82,"tag":91,"props":1472,"children":1473},{},[1474],{"type":88,"value":1475},"We serve Sterling Heights, Shelby Township, Macomb Township, Clinton Township, Utica and Warren, and families anywhere in Michigan by video. Estates in this area are handled by the Macomb County Probate Court in Mount Clemens.",{"type":82,"tag":91,"props":1477,"children":1478},{},[1479],{"type":88,"value":343},{"type":82,"tag":91,"props":1481,"children":1482},{},[1483,1484,1488],{"type":88,"value":348},{"type":82,"tag":97,"props":1485,"children":1486},{"href":351},[1487],{"type":88,"value":354},{"type":88,"value":161},{"title":357,"searchDepth":358,"depth":358,"links":1490},[1491,1492,1493,1494,1495,1496],{"id":1276,"depth":358,"text":1279},{"id":169,"depth":358,"text":172},{"id":190,"depth":358,"text":193},{"id":220,"depth":358,"text":223},{"id":314,"depth":358,"text":317},{"id":1467,"depth":358,"text":1470},"content:about-us:locations:sterling-heights.md","about-us/locations/sterling-heights.md","about-us/locations/sterling-heights",{"_path":1501,"_dir":6,"_draft":7,"_partial":7,"_locale":8,"title":75,"description":1502,"seoTitle":1503,"h1":1503,"headline":1504,"answerCapsule":1505,"streetAddress":1506,"city":75,"primaryOffice":957,"state":15,"zip":1507,"phone":1508,"url":1509,"map":1510,"directions":77,"review":1509,"phoneDisplay":1511,"attorney":23,"attorneyUrl":24,"meetings":1512,"inPerson":957,"ratingValue":958,"reviewCount":1513,"ratingAsOf":28,"gbpName":29,"gbpCid":1514,"county":963,"probateCourt":964,"areasServed":1515,"services":1521,"testimonialsLocation":1522,"heroImage":1523,"heroImageAlt":1524,"differentiators":1525,"faqs":1526,"subhead":73,"body":1544,"_type":366,"_id":1788,"_source":368,"_file":1789,"_stem":1790,"_extension":371},"/about-us/locations/troy","Estate planning and asset protection on Big Beaver Road in Troy, MI, serving Troy, Bloomfield Hills and Birmingham. 4.8 stars from 217 Google reviews. Call (248) 951-9446.","Estate Planning Lawyer in Troy, MI","Protect what you've built, and finish the plan properly","Rutkowski Law Firm is an estate planning and asset protection law firm at 801 W. Big Beaver Road, Suite 600, in Troy, Michigan, serving Troy, Bloomfield Hills and Birmingham. Led by founding attorney Michael L. Rutkowski, our attorneys, paralegals and Customer Success team help families with homes, investments and businesses protect them from probate court, lawsuits and long-term care costs, and we do the work families usually get stuck on: moving your home and accounts into your trust, recording your deed with the county and confirming in writing that your plan is done. Rated 4.8 out of 5 from 217 Google reviews. Call (248) 951-9446.","801 W. Big Beaver Rd., Suite 600","48084","+1 248-951-9446","https://share.google/6caqSgs0gmAzv1vD8","https://www.google.com/maps?q=801+W+Big+Beaver+Rd+Suite+600,+Troy,+MI+48084&output=embed","(248) 951-9446","In person at our Big Beaver Road office by appointment, or by secure video",217,"9733594504382005779",[75,1516,1517,1518,1519,1520],"Bloomfield Hills","Birmingham","Royal Oak","Clawson","West Bloomfield",[42,43,44,45,46,47,48,49,50],"Bloomfield Hills, MI","/img/locations/troy-reception-rudy.webp","The sixth-floor reception area of Rutkowski Law Firm's Troy office in Suite 600 at 801 W. Big Beaver Road, with the Rutkowski Law Firm sign on the wall behind the front desk, gray lounge seating and a navy Rutkowski Law Firm table beside a wall of windows overlooking Troy, and Rudy, the office's chocolate Lab, lying on the polished concrete floor",[55,56,57,58,59],[1527,1530,1532,1535,1538,1541],{"q":1528,"a":1529},"Did the Bloomfield Hills office move?","Yes. Rutkowski Law Firm's Bloomfield Hills office on Woodward Avenue has moved to 801 W. Big Beaver Road, Suite 600, in Troy. The phone number, (248) 951-9446, stayed the same.",{"q":1531,"a":982},"Which court handles probate for Troy and Bloomfield Hills estates?",{"q":1533,"a":1534},"Can you work with our financial advisor or CPA?","Yes. We coordinate with your existing advisor and CPA so the legal plan and the financial plan line up, especially on retirement accounts and beneficiary designations.",{"q":1536,"a":1537},"Where do I park at the Troy office?","Rutkowski Law Firm has reserved spaces outside 801 W. Big Beaver Road, marked with blue and white \"Welcome, Reserved\" signs. Park in any of those, then head for the doors under the vertical Entrance sign.",{"q":1539,"a":1540},"How do I get up to Suite 600 when I arrive?","Come in through the doors under the vertical Entrance sign and call (248) 792-9193 from the ground-floor lobby. Elevator access has to be granted, and we'll get you up to the sixth floor.",{"q":1542,"a":1543},"Do we need to come into the office to sign?","No. You can sign at the Troy office, at our Rochester office, or through our secure virtual signing process.",{"type":79,"children":1545,"toc":1780},[1546,1552,1565,1605,1609,1613,1618,1623,1628,1632,1637,1651,1655,1660,1665,1716,1720,1728,1734,1739,1743,1756,1762,1767,1771],{"type":82,"tag":83,"props":1547,"children":1549},{"id":1548},"why-does-a-troy-or-bloomfield-hills-plan-need-to-be-finished-properly",[1550],{"type":88,"value":1551},"Why does a Troy or Bloomfield Hills plan need to be finished properly?",{"type":82,"tag":91,"props":1553,"children":1554},{},[1555,1557,1563],{"type":88,"value":1556},"More assets means more places for a plan to fail. Troy's median household income is about $120,000, according to the ",{"type":82,"tag":97,"props":1558,"children":1561},{"href":1559,"rel":1560},"https://www.census.gov/quickfacts/fact/table/troycitymichigan/PST045224",[101],[1562],{"type":88,"value":104},{"type":88,"value":1564},", and many families here hold a home, brokerage accounts, retirement plans, rentals or a business. Each one has to be retitled or updated, or it lands in probate.",{"type":82,"tag":91,"props":1566,"children":1567},{},[1568,1570,1574,1575,1579,1580,1584,1585,1589,1590,1594,1595,1599,1600,1604],{"type":88,"value":1569},"Families in Troy, Bloomfield Hills and Birmingham also tend to have more exposure to lawsuits: a business, a rental, a teenage driver. Asset protection planning keeps personal savings separate from those risks. And with nearly a third of Troy residents born outside the U.S., many families have relatives, property or accounts in more than one place. We plan for that rather than around it. Rutkowski Law Firm handles ",{"type":82,"tag":97,"props":1571,"children":1572},{"href":114},[1573],{"type":88,"value":117},{"type":88,"value":119},{"type":82,"tag":97,"props":1576,"children":1577},{"href":122},[1578],{"type":88,"value":125},{"type":88,"value":119},{"type":82,"tag":97,"props":1581,"children":1582},{"href":129},[1583],{"type":88,"value":46},{"type":88,"value":119},{"type":82,"tag":97,"props":1586,"children":1587},{"href":135},[1588],{"type":88,"value":138},{"type":88,"value":119},{"type":82,"tag":97,"props":1591,"children":1592},{"href":142},[1593],{"type":88,"value":47},{"type":88,"value":119},{"type":82,"tag":97,"props":1596,"children":1597},{"href":148},[1598],{"type":88,"value":151},{"type":88,"value":153},{"type":82,"tag":97,"props":1601,"children":1602},{"href":156},[1603],{"type":88,"value":159},{"type":88,"value":161},{"type":82,"tag":91,"props":1606,"children":1607},{},[1608],{"type":88,"value":166},{"type":82,"tag":83,"props":1610,"children":1611},{"id":169},[1612],{"type":88,"value":172},{"type":82,"tag":91,"props":1614,"children":1615},{},[1616],{"type":88,"value":1617},"It means Troy families leave with a finished plan, not a to-do list. We move your home and accounts into your trust, record your deed with the county, send the beneficiary-change forms and confirm in writing that your plan is done.",{"type":82,"tag":91,"props":1619,"children":1620},{},[1621],{"type":88,"value":1622},"For many Troy and Bloomfield Hills families that means more than one deed, several brokerage and bank accounts, retirement plans with their own beneficiary forms, and sometimes business interests. We handle each one, record the deeds with the Oakland County Register of Deeds, and coordinate with your financial advisor or CPA so the legal plan and the financial plan line up.",{"type":82,"tag":91,"props":1624,"children":1625},{},[1626],{"type":88,"value":1627},"Most Michigan estate planning attorneys hand Troy families a binder and leave the bank visits and county filings to them. An unfunded trust doesn't keep anything out of probate court, which is why we treat funding as part of the plan, not an extra. You won't leave with homework.",{"type":82,"tag":83,"props":1629,"children":1630},{"id":190},[1631],{"type":88,"value":193},{"type":82,"tag":91,"props":1633,"children":1634},{},[1635],{"type":88,"value":1636},"Call us. Rutkowski Law Firm has turned around emergency powers of attorney by the next day, with a notary sent to wherever the parent is, such as a hospital room at Corewell Health Beaumont Troy Hospital or Corewell Health in Royal Oak.",{"type":82,"tag":91,"props":1638,"children":1639},{},[1640,1641,1645,1646,1650],{"type":88,"value":203},{"type":82,"tag":97,"props":1642,"children":1643},{"href":156},[1644],{"type":88,"value":159},{"type":88,"value":209},{"type":82,"tag":97,"props":1647,"children":1648},{"href":212},[1649],{"type":88,"value":215},{"type":88,"value":217},{"type":82,"tag":83,"props":1652,"children":1653},{"id":220},[1654],{"type":88,"value":223},{"type":82,"tag":91,"props":1656,"children":1657},{},[1658],{"type":88,"value":1659},"Every Troy plan follows the same four steps, and the Rutkowski Law Firm team stays with you through all of them: a Vision Consultation, a design meeting, the signing, and the funding. Nothing is left for you to finish on your own.",{"type":82,"tag":1661,"props":1662,"children":1664},"photo-grid",{":photos":1663},"[{\"src\":\"/img/locations/troy-vision-consultation-office.webp\",\"alt\":\"A Vision Consultation office at Rutkowski Law Firm in Troy, with a dark wood desk facing four gray mesh guest chairs, framed photos on the left wall, a corkboard of sticky notes on the right wall, and a wide window looking out over Big Beaver Road, its parking lots and the neighboring office towers\",\"caption\":\"The Troy office where Vision Consultations happen.\"}]",[],{"type":82,"tag":230,"props":1666,"children":1667},{},[1668,1686,1699,1708],{"type":82,"tag":234,"props":1669,"children":1670},{},[1671,1675,1676,1680,1681,1685],{"type":82,"tag":238,"props":1672,"children":1673},{},[1674],{"type":88,"value":242},{"type":88,"value":244},{"type":82,"tag":97,"props":1677,"children":1678},{"href":247},[1679],{"type":88,"value":250},{"type":88,"value":252},{"type":82,"tag":97,"props":1682,"children":1683},{"href":255},[1684],{"type":88,"value":258},{"type":88,"value":260},{"type":82,"tag":234,"props":1687,"children":1688},{},[1689,1693,1694,1698],{"type":82,"tag":238,"props":1690,"children":1691},{},[1692],{"type":88,"value":268},{"type":88,"value":270},{"type":82,"tag":97,"props":1695,"children":1696},{"href":24},[1697],{"type":88,"value":23},{"type":88,"value":276},{"type":82,"tag":234,"props":1700,"children":1701},{},[1702,1706],{"type":82,"tag":238,"props":1703,"children":1704},{},[1705],{"type":88,"value":284},{"type":88,"value":1707}," At our Troy office, at the Rochester office, or through our secure virtual signing process.",{"type":82,"tag":234,"props":1709,"children":1710},{},[1711,1715],{"type":82,"tag":238,"props":1712,"children":1713},{},[1714],{"type":88,"value":294},{"type":88,"value":296},{"type":82,"tag":91,"props":1717,"children":1718},{},[1719],{"type":88,"value":301},{"type":82,"tag":91,"props":1721,"children":1722},{},[1723,1727],{"type":82,"tag":97,"props":1724,"children":1725},{"href":307},[1726],{"type":88,"value":310},{"type":88,"value":161},{"type":82,"tag":83,"props":1729,"children":1731},{"id":1730},"can-i-meet-in-person-at-the-troy-office",[1732],{"type":88,"value":1733},"Can I meet in person at the Troy office?",{"type":82,"tag":91,"props":1735,"children":1736},{},[1737],{"type":88,"value":1738},"Yes, by appointment. You can meet at 801 W. Big Beaver Road, Suite 600, or do every meeting by secure video, including the signing. The office is open Monday to Friday, 9 a.m. to 5 p.m., and our phones are answered 24 hours a day.",{"type":82,"tag":1661,"props":1740,"children":1742},{":photos":1741},"[{\"src\":\"/img/locations/troy-reserved-parking.webp\",\"step\":1,\"alt\":\"Three blue and white Rutkowski Law Firm \\\"Welcome, Reserved\\\" parking signs on posts along a rock-lined curb island outside 801 W. Big Beaver Road in Troy, with yellow autumn trees and the building's white side wall behind them\",\"caption\":\"Park in the spaces marked with blue and white Rutkowski Law Firm \\\"Welcome, Reserved\\\" signs.\"},{\"src\":\"/img/locations/troy-801-exterior-entrance.webp\",\"step\":2,\"alt\":\"The white, angular office building at 801 W. Big Beaver Road in Troy, with a tall vertical Entrance sign beside the glass front doors, a row of autumn trees along the walkway and two reserved parking signs at the curb in the foreground\",\"caption\":\"From the reserved spaces, head for the doors under the vertical Entrance sign.\"},{\"src\":\"/img/locations/troy-lobby-elevators.webp\",\"step\":3,\"alt\":\"The ground-floor lobby at 801 W. Big Beaver Road, with a wood-slat front desk marked 801/803 on the left, a Rutkowski Law Firm welcome sign on an easel in the center listing the elevator phone number 248-792-9193, and two stainless steel elevators on the right\",\"caption\":\"Inside, the elevators need to be called for you. Phone (248) 792-9193 when you arrive in the lobby and we'll get you up to the sixth floor.\"},{\"src\":\"/img/locations/troy-sixth-floor-elevators.webp\",\"step\":4,\"alt\":\"The sixth-floor elevator lobby at Rutkowski Law Firm's Troy office, with two stainless steel elevators along the back wall, a reception desk with a computer and phone in the foreground, gray lounge seating, and a navy Rutkowski Law Firm table beneath a wall of windows overlooking Troy\",\"caption\":\"Suite 600 is on the sixth floor. Our reception area is right off the elevators.\"},{\"src\":\"/img/locations/troy-rudy-office-dog.webp\",\"tall\":true,\"position\":\"50% 35%\",\"alt\":\"Rudy, the Troy office's chocolate Labrador and Director of Asset Relocation, sitting upright in a teal collar on the polished concrete floor of the office hallway and looking straight at the camera, with glass-walled offices behind him\",\"caption\":\"You'll probably meet Rudy, our chocolate Lab and Director of Asset Relocation. 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Whether he’s coaching clients, leading teams, or cheering from the sidelines of a tournament, one thing is clear: Mike lives what he teaches.",{"type":82,"tag":83,"props":3180,"children":3182},{"id":3181},"education",[3183],{"type":88,"value":3184},"Education",{"type":82,"tag":91,"props":3186,"children":3187},{},[3188],{"type":88,"value":3189},"Mike’s educational background includes a bachelor’s degree in Business Administration with a major in Sales and Business Marketing from Western Michigan University’s Haworth College of Business. Mike earned his Juris Doctor, with a concentration in Business Transactions, through Western Michigan University Thomas M. Cooley Law School’s challenging accelerated two-year program. 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She is a graduate of Western Michigan University, where she studied Business Administration. After her undergraduate studies, Anisha received an honors scholarship to attend the Western Michigan University Thomas M. Cooley Law School. She was ranked in the top 5% of her class throughout her time in law school and served as an Editor on the school’s Law Review. Anisha graduated Magna Cum Laude and was awarded the Distinguished Student Award for her graduating class.","Anisha D. Rutkowski","Attorney","/img/team/anisha-rutkowski.webp","Head shot of Anisha Rutkowski",[3137],{"type":79,"children":3275,"toc":3295},[3276,3280,3285,3290],{"type":82,"tag":91,"props":3277,"children":3278},{},[3279],{"type":88,"value":3268},{"type":82,"tag":91,"props":3281,"children":3282},{},[3283],{"type":88,"value":3284},"Anisha has served as a judicial intern for the Honorable Gerald E. Rosen in the United States District Court for the Eastern District of Michigan and the Honorable Michael Warren in the Oakland County Circuit Court. She spent five years working for the State of Michigan, first as a prehearing attorney for the Michigan Court of Appeals and then completing two judicial clerkships with the Michigan Supreme Court.",{"type":82,"tag":91,"props":3286,"children":3287},{},[3288],{"type":88,"value":3289},"Anisha has served as an adjunct professor at the Western Michigan University Thomas M. Cooley Law School, where she instructed law students on advanced legal research and writing methods. She has also served as a mentor for aspiring lawyers through Cooley’s Mentor Jet program.",{"type":82,"tag":91,"props":3291,"children":3292},{},[3293],{"type":88,"value":3294},"Anisha was born and raised in Rochester, Michigan. After moving to northern Michigan for a few years early in her legal career, she and her husband returned to Rochester to work and raise their children. Outside of practicing law, Anisha is an avid reader, enjoys horseback riding and, most of all, weekend adventures with her family.",{"title":357,"searchDepth":358,"depth":358,"links":3296},[],"content:about-us:team:anisha-rutkowski.md","about-us/team/anisha-rutkowski.md","about-us/team/anisha-rutkowski",{"_path":3301,"_dir":3129,"_draft":7,"_partial":7,"_locale":8,"title":3302,"description":3303,"name":3302,"role":3304,"imageUrl":3305,"leadership":957,"order":3306,"imageAlt":3307,"practiceAreas":3308,"body":3309,"_type":366,"_id":3332,"_source":368,"_file":3333,"_stem":3334,"_extension":371},"/about-us/team/gail-gonos","Gail Gonos","Gail is a dedicated paralegal with over 25 years of experience with a strong focus on estate planning, trust administration, corporate, probate and client support. She works closely with attorneys and clients to ensure that every document is prepared accurately and timely.","Paralegal","/img/team/gail-gonos.webp",4,"Head shot of Gail Gonos",[3137],{"type":79,"children":3310,"toc":3330},[3311,3315,3320,3325],{"type":82,"tag":91,"props":3312,"children":3313},{},[3314],{"type":88,"value":3303},{"type":82,"tag":91,"props":3316,"children":3317},{},[3318],{"type":88,"value":3319},"With a detail-oriented mindset and a calm, compassionate approach, Gail helps guide clients through what can often feel like complex or emotional decisions. She plays a key role in drafting documents, managing case files, and ensuring that each plan aligns with the client’s goals and the firm’s high standards. ",{"type":82,"tag":91,"props":3321,"children":3322},{},[3323],{"type":88,"value":3324},"Gail is known for her reliability, professionalism, and commitment to making sure clients feel supported every step of the way. She takes pride in contributing to plans that provide clarity, protection, and peace of mind for individuals and families. ",{"type":82,"tag":91,"props":3326,"children":3327},{},[3328],{"type":88,"value":3329},"When Gail is not working, she enjoys walks on the beach, hiking, and kayaking, but is best known for her passion for football.",{"title":357,"searchDepth":358,"depth":358,"links":3331},[],"content:about-us:team:gail-gonos.md","about-us/team/gail-gonos.md","about-us/team/gail-gonos",[3336,3647,3862],{"_path":3337,"_dir":3338,"_draft":7,"_partial":7,"_locale":8,"title":3339,"description":3340,"date":3341,"imageUrl":3342,"author":23,"imageAlt":3343,"practiceArea":3344,"body":3345,"_type":366,"_id":3644,"_source":368,"_file":3645,"_stem":3646,"_extension":371},"/blog/the-tax-free-va-benefit-you-might-be-leaving-on-the-table","blog","The tax-free VA benefit you might be leaving on the table","Why combat service isn't required to qualify for thousands in monthly long-term care assistance.","2026-07-07T20:20:00.000Z","https://media.rutkowskilawfirm.com/a0d56332-2b9c-48a9-a7a2-8c62a7637cdb-rlf-blog-who-qualifies-for-va-pension.webp","Father and daughter","estate-planning",{"type":79,"children":3346,"toc":3632},[3347,3352,3357,3362,3368,3373,3396,3406,3412,3424,3431,3436,3442,3447,3470,3476,3488,3494,3499,3504,3509,3570,3582,3588,3593,3598,3603,3609,3614,3619,3624],{"type":82,"tag":91,"props":3348,"children":3349},{},[3350],{"type":88,"value":3351},"As Michigan families grapple with how to afford the rising costs of long-term care—whether that means hiring in-home caregivers, moving into an assisted living community, or transitioning to a skilled nursing facility—they tend to focus on a handful of familiar options: personal savings, long-term care insurance, or Medicaid.",{"type":82,"tag":91,"props":3353,"children":3354},{},[3355],{"type":88,"value":3356},"Amid that stressful financial search, a remarkably powerful lifeline is often completely missed.",{"type":82,"tag":91,"props":3358,"children":3359},{},[3360],{"type":88,"value":3361},"For thousands of households across the Great Lakes State, the overlooked solution is the needs-based VA Pension Benefit. Each year, crucial financial assistance goes unused simply because families don’t realize the benefit exists or rely on outdated assumptions about who qualifies. Gaining a clear understanding of the current eligibility rules for VA pension benefits can transform your long-term care plan and provide your family with the financial breathing room it needs.",{"type":82,"tag":83,"props":3363,"children":3365},{"id":3364},"clearing-up-the-confusion-compensation-vs-pension",[3366],{"type":88,"value":3367},"Clearing Up the Confusion: Compensation vs. Pension",{"type":82,"tag":91,"props":3369,"children":3370},{},[3371],{"type":88,"value":3372},"The primary reason many families never explore VA pension benefits is a basic misunderstanding of how the Department of Veterans Affairs organizes its programs. In reality, VA disability compensation and the needs-based VA Pension Benefit are two very different forms of support.",{"type":82,"tag":3197,"props":3374,"children":3375},{},[3376,3386],{"type":82,"tag":234,"props":3377,"children":3378},{},[3379,3384],{"type":82,"tag":238,"props":3380,"children":3381},{},[3382],{"type":88,"value":3383},"VA Disability Compensation:",{"type":88,"value":3385}," This is a tax-free monetary benefit paid to veterans with a current illness or injury that occurred or worsened during their active-duty military service. Your financial standing does not matter; it is tied strictly to a service-connected medical rating.",{"type":82,"tag":234,"props":3387,"children":3388},{},[3389,3394],{"type":82,"tag":238,"props":3390,"children":3391},{},[3392],{"type":88,"value":3393},"The VA Pension Benefit:",{"type":88,"value":3395}," This is a needs-based program for wartime veterans aged 65 or older (or permanently and totally disabled) with income and net worth within certain limits.\nBrevy",{"type":82,"tag":91,"props":3397,"children":3398},{},[3399,3404],{"type":82,"tag":238,"props":3400,"children":3401},{},[3402],{"type":88,"value":3403},"The Reality Check:",{"type":88,"value":3405}," You do not need a service-connected disability, a purple heart, or a medical discharge to qualify for a pension. The program exists to lift aging or disabled wartime veterans of modest means to a guaranteed minimum income level, providing crucial cash flow to cover everyday living and medical costs.",{"type":82,"tag":83,"props":3407,"children":3409},{"id":3408},"the-3-pillars-of-eligibility-what-the-va-looks-for",[3410],{"type":88,"value":3411},"The 3 Pillars of Eligibility: What the VA Looks For",{"type":82,"tag":91,"props":3413,"children":3414},{},[3415,3417,3422],{"type":88,"value":3416},"To determine ",{"type":82,"tag":238,"props":3418,"children":3419},{},[3420],{"type":88,"value":3421},"who is eligible for VA pension benefits",{"type":88,"value":3423},", the VA evaluates a claimant based on three specific criteria: service timelines, clinical needs, and financial thresholds.",{"type":82,"tag":3425,"props":3426,"children":3428},"h3",{"id":3427},"_1-the-wartime-service-rule-combat-is-not-required",[3429],{"type":88,"value":3430},"1. The Wartime Service Rule (Combat is Not Required)",{"type":82,"tag":91,"props":3432,"children":3433},{},[3434],{"type":88,"value":3435},"One of the most common misconceptions in Michigan veterans' benefits planning is that you must have served in a combat zone or a foxhole to qualify for support. In reality, the law only requires that you be a wartime veteran. That means you must have completed at least 90 days of active duty service, with at least one of those days falling during an officially recognized wartime period (such as the WWII, Korean War, Vietnam War, or Gulf War eras). Even if you served entirely stateside or at a non-combat overseas post during those times, you have fully satisfied the service requirement.",{"type":82,"tag":3425,"props":3437,"children":3439},{"id":3438},"_2-clinical-and-age-criteria",[3440],{"type":88,"value":3441},"2. Clinical and Age Criteria",{"type":82,"tag":91,"props":3443,"children":3444},{},[3445],{"type":88,"value":3446},"Beyond your service dates, a veteran must meet at least one of the following physical or situational benchmarks:",{"type":82,"tag":3197,"props":3448,"children":3449},{},[3450,3455,3460,3465],{"type":82,"tag":234,"props":3451,"children":3452},{},[3453],{"type":88,"value":3454},"Be at least 65 years old.",{"type":82,"tag":234,"props":3456,"children":3457},{},[3458],{"type":88,"value":3459},"Have a permanent and total disability from non-service-connected causes.",{"type":82,"tag":234,"props":3461,"children":3462},{},[3463],{"type":88,"value":3464},"Be a resident in a skilled nursing facility receiving long-term care.\nHancock Veterans",{"type":82,"tag":234,"props":3466,"children":3467},{},[3468],{"type":88,"value":3469},"Be a recipient of Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI).\nA Place for Mom",{"type":82,"tag":3425,"props":3471,"children":3473},{"id":3472},"_3-financial-net-worth-limits",[3474],{"type":88,"value":3475},"3. Financial Net Worth Limits",{"type":82,"tag":91,"props":3477,"children":3478},{},[3479,3481,3486],{"type":88,"value":3480},"For the period spanning December 1, 2025, through November 30, 2026, the VA enforces a strict bright-line net worth cap of ",{"type":82,"tag":238,"props":3482,"children":3483},{},[3484],{"type":88,"value":3485},"$163,699",{"type":88,"value":3487},". This net worth calculation includes your annual income added to your countable assets (including your spouse's assets). Fortunately, your primary home, one vehicle, and standard home furnishings are completely exempt and do not count against this cap.",{"type":82,"tag":83,"props":3489,"children":3491},{"id":3490},"the-hidden-trigger-how-long-term-care-costs-create-eligibility",[3492],{"type":88,"value":3493},"The Hidden Trigger: How Long-Term Care Costs Create Eligibility",{"type":82,"tag":91,"props":3495,"children":3496},{},[3497],{"type":88,"value":3498},"Many families see the VA’s financial limits and immediately assume they’re ineligible, thinking, “My dad’s Social Security and retirement income push him over the line, so there’s no way we qualify.” But this is exactly where an important, often-missed rule comes into play.",{"type":82,"tag":91,"props":3500,"children":3501},{},[3502],{"type":88,"value":3503},"The VA determines financial need using your Income for VA Purposes (IVAP), which is not just your gross income. The VA allows you to subtract unreimbursed, ongoing medical and care expenses from that gross income.",{"type":82,"tag":91,"props":3505,"children":3506},{},[3507],{"type":88,"value":3508},"Because senior care costs are so substantial, these out-of-pocket expenses often reduce a veteran’s countable income to little or nothing on paper.",{"type":82,"tag":3510,"props":3511,"children":3512},"table",{},[3513,3542],{"type":82,"tag":3514,"props":3515,"children":3516},"thead",{},[3517],{"type":82,"tag":3518,"props":3519,"children":3520},"tr",{},[3521,3527,3532,3537],{"type":82,"tag":3522,"props":3523,"children":3524},"th",{},[3525],{"type":88,"value":3526},"Gross Annual Income",{"type":82,"tag":3522,"props":3528,"children":3529},{},[3530],{"type":88,"value":3531},"Monthly Cost of Care",{"type":82,"tag":3522,"props":3533,"children":3534},{},[3535],{"type":88,"value":3536},"Deductible Annual Care Costs",{"type":82,"tag":3522,"props":3538,"children":3539},{},[3540],{"type":88,"value":3541},"Countable VA Income (IVAP)",{"type":82,"tag":3543,"props":3544,"children":3545},"tbody",{},[3546],{"type":82,"tag":3518,"props":3547,"children":3548},{},[3549,3555,3560,3565],{"type":82,"tag":3550,"props":3551,"children":3552},"td",{},[3553],{"type":88,"value":3554},"$35,000 (Social Security + Pension)",{"type":82,"tag":3550,"props":3556,"children":3557},{},[3558],{"type":88,"value":3559},"$4,000 (Assisted Living/Home Care)",{"type":82,"tag":3550,"props":3561,"children":3562},{},[3563],{"type":88,"value":3564},"$48,000",{"type":82,"tag":3550,"props":3566,"children":3567},{},[3568],{"type":88,"value":3569},"$0 (Income is completely offset)",{"type":82,"tag":91,"props":3571,"children":3572},{},[3573,3575,3580],{"type":88,"value":3574},"When your countable income drops to zero due to high medical bills, you automatically qualify for the maximum available pension amount, which can provide up to ",{"type":82,"tag":238,"props":3576,"children":3577},{},[3578],{"type":88,"value":3579},"$2,424.42 per month",{"type":88,"value":3581}," ($29,093 annually) for a single veteran who qualifies for the enhanced Aid and Attendance allowance.",{"type":82,"tag":83,"props":3583,"children":3585},{"id":3584},"the-danger-of-the-improvised-spend-down",[3586],{"type":88,"value":3587},"The Danger of the Improvised Spend-Down",{"type":82,"tag":91,"props":3589,"children":3590},{},[3591],{"type":88,"value":3592},"Once families realize just how valuable VA pension benefits can be, their first impulse is often to shift assets—gifting money to children or draining bank accounts—to fall below the $163,699 limit.",{"type":82,"tag":91,"props":3594,"children":3595},{},[3596],{"type":88,"value":3597},"Taking these steps without expert guidance can be extremely risky. The VA applies a strict three-year look-back period to all asset transfers. If you give away property or cash for less than fair market value within three years of submitting your application, the VA can impose a significant penalty period, making you ineligible for pension benefits for up to five years.",{"type":82,"tag":91,"props":3599,"children":3600},{},[3601],{"type":88,"value":3602},"On top of that, a hastily executed spend-down can cause serious problems if your loved one later needs to qualify for Medicaid, which uses an even stricter five-year look-back period.",{"type":82,"tag":83,"props":3604,"children":3606},{"id":3605},"harmonizing-your-benefits-with-strategic-planning",[3607],{"type":88,"value":3608},"Harmonizing Your Benefits with Strategic Planning",{"type":82,"tag":91,"props":3610,"children":3611},{},[3612],{"type":88,"value":3613},"Securing the care you need means stepping back and considering the full picture. VA benefits planning should never happen in a vacuum; it needs to be thoughtfully woven into your broader family estate-planning strategy.",{"type":82,"tag":91,"props":3615,"children":3616},{},[3617],{"type":88,"value":3618},"By partnering early with an experienced estate planning attorney, you can create an asset protection plan that uses properly structured irrevocable trusts. This approach lets you reposition assets safely, comply with the VA’s look-back rules, and make the most of your tax-free monthly pension benefits now—while keeping your family home protected for the next generation.",{"type":82,"tag":91,"props":3620,"children":3621},{},[3622],{"type":88,"value":3623},"Our wartime heroes once stood up to safeguard our future; their hard-earned benefits should now safeguard their comfort and dignity in return.",{"type":82,"tag":91,"props":3625,"children":3626},{},[3627],{"type":82,"tag":238,"props":3628,"children":3629},{},[3630],{"type":88,"value":3631},"Are you ready to find out whether your family qualifies for VA care benefits?",{"title":357,"searchDepth":358,"depth":358,"links":3633},[3634,3635,3641,3642,3643],{"id":3364,"depth":358,"text":3367},{"id":3408,"depth":358,"text":3411,"children":3636},[3637,3639,3640],{"id":3427,"depth":3638,"text":3430},3,{"id":3438,"depth":3638,"text":3441},{"id":3472,"depth":3638,"text":3475},{"id":3490,"depth":358,"text":3493},{"id":3584,"depth":358,"text":3587},{"id":3605,"depth":358,"text":3608},"content:blog:the-tax-free-va-benefit-you-might-be-leaving-on-the-table.md","blog/the-tax-free-va-benefit-you-might-be-leaving-on-the-table.md","blog/the-tax-free-va-benefit-you-might-be-leaving-on-the-table",{"_path":3648,"_dir":3338,"_draft":7,"_partial":7,"_locale":8,"title":3649,"description":3650,"date":3651,"imageUrl":3652,"imageAlt":3653,"author":23,"body":3654,"_type":366,"_id":3859,"_source":368,"_file":3860,"_stem":3861,"_extension":371},"/blog/don-t-let-a-michigan-medicaid-spend-down-destroy-your-estate-plan","Don’t let a Michigan Medicaid spend-down destroy your estate plan","How to qualify for long-term care benefits without sacrificing your family’s multi-generational goals.","2026-05-26T00:00:00Z","/img/blog/rlf-blog-do-not-let-michigan-medicaid-spend-down.webp","women around flowers",{"type":79,"children":3655,"toc":3854},[3656,3671,3676,3681,3690,3695,3700,3743,3752,3757,3762,3805,3810,3819,3824,3829,3842,3850],{"type":82,"tag":91,"props":3657,"children":3658},{},[3659,3661,3669],{"type":88,"value":3660},"When an aging loved one suddenly needs long-term care, your attention naturally turns to finding the right facility and figuring out how to pay for it—often by looking into Michigan Medicaid. But one of the biggest risks in this kind of crisis is treating ",{"type":82,"tag":97,"props":3662,"children":3666},{"href":142,"target":3663,"rel":3664},"_blank",[3665],"noopener",[3667],{"type":88,"value":3668},"Medicaid planning ",{"type":88,"value":3670},"and estate planning as completely separate concerns.",{"type":82,"tag":91,"props":3672,"children":3673},{},[3674],{"type":88,"value":3675},"When families pursue a Medicaid strategy in isolation, they may make abrupt, reactive financial decisions just to qualify for benefits. In the process, they can unintentionally undo years—or even decades—of careful, intentional estate planning.",{"type":82,"tag":91,"props":3677,"children":3678},{},[3679],{"type":88,"value":3680},"Lasting financial security comes from a unified approach. By thoughtfully coordinating your spend-down strategy with your long-term goals, you can qualify for the care you need now while preserving the legacy you intend to pass on.",{"type":82,"tag":83,"props":3682,"children":3684},{"id":3683},"the-unintended-fallout-of-a-rushed-spend-down",[3685],{"type":82,"tag":238,"props":3686,"children":3687},{},[3688],{"type":88,"value":3689},"The Unintended Fallout of a Rushed Spend-Down",{"type":82,"tag":91,"props":3691,"children":3692},{},[3693],{"type":88,"value":3694},"A hastily executed spend-down can do far more damage than most families in Michigan realize. When panic takes over in a crisis, well-meaning relatives often start moving assets, closing accounts, or liquidating property without consulting a medicaid planning attorney.",{"type":82,"tag":91,"props":3696,"children":3697},{},[3698],{"type":88,"value":3699},"These hurried financial choices can cause significant disruptions across four critical areas:",{"type":82,"tag":3197,"props":3701,"children":3702},{},[3703,3713,3723,3733],{"type":82,"tag":234,"props":3704,"children":3705},{},[3706,3711],{"type":82,"tag":238,"props":3707,"children":3708},{},[3709],{"type":88,"value":3710},"Upsetting Established Trusts:",{"type":88,"value":3712}," If you have already established an irrevocable trust and Medicaid rules are not strictly factored into your next move, withdrawing assets from a trust or improperly modifying funded accounts can strip away the legal protections you worked hard to build.",{"type":82,"tag":234,"props":3714,"children":3715},{},[3716,3721],{"type":82,"tag":238,"props":3717,"children":3718},{},[3719],{"type":88,"value":3720},"Dismantling Inheritance Plans:",{"type":88,"value":3722}," A random debt payoff or asset liquidation can inadvertently deplete the specific funds or properties you intended to leave to a particular child or grandchild.",{"type":82,"tag":234,"props":3724,"children":3725},{},[3726,3731],{"type":82,"tag":238,"props":3727,"children":3728},{},[3729],{"type":88,"value":3730},"Altering Beneficiary Intentions:",{"type":88,"value":3732}," Transferring or spending down assets without updating your broader estate documents can create an accidental imbalance, resulting in an unequal distribution among your heirs and triggering intense family conflict.",{"type":82,"tag":234,"props":3734,"children":3735},{},[3736,3741],{"type":82,"tag":238,"props":3737,"children":3738},{},[3739],{"type":88,"value":3740},"Compromising Long-Term Asset Protection Goals:",{"type":88,"value":3742}," Spending down the wrong assets first can leave a surviving spouse financially vulnerable or expose a family home to future estate recovery claims by the state.",{"type":82,"tag":83,"props":3744,"children":3746},{"id":3745},"harmonizing-your-care-strategy-with-your-legal-legacy",[3747],{"type":82,"tag":238,"props":3748,"children":3749},{},[3750],{"type":88,"value":3751},"Harmonizing Your Care Strategy with Your Legal Legacy",{"type":82,"tag":91,"props":3753,"children":3754},{},[3755],{"type":88,"value":3756},"Qualifying for state benefits does not require you to dismantle your life’s work. Comprehensive medicaid estate planning is designed to harmonize immediate healthcare needs with multi-generational wealth preservation.",{"type":82,"tag":91,"props":3758,"children":3759},{},[3760],{"type":88,"value":3761},"Achieving this balance requires the careful coordination of four distinct moving parts:",{"type":82,"tag":230,"props":3763,"children":3764},{},[3765,3775,3785,3795],{"type":82,"tag":234,"props":3766,"children":3767},{},[3768,3773],{"type":82,"tag":238,"props":3769,"children":3770},{},[3771],{"type":88,"value":3772},"Irrevocable Trusts:",{"type":88,"value":3774}," Utilizing specific, state-compliant trusts to hold and protect assets well in advance of the Medicaid application process.",{"type":82,"tag":234,"props":3776,"children":3777},{},[3778,3783],{"type":82,"tag":238,"props":3779,"children":3780},{},[3781],{"type":88,"value":3782},"Overarching Estate Plans:",{"type":88,"value":3784}," Keeping your Wills, Healthcare Proxies, and Financial Powers of Attorney fully aligned with your long-term care strategy.",{"type":82,"tag":234,"props":3786,"children":3787},{},[3788,3793],{"type":82,"tag":238,"props":3789,"children":3790},{},[3791],{"type":88,"value":3792},"The Spend-Down Strategy:",{"type":88,"value":3794}," Directing countable assets exclusively toward state-approved, non-countable items (such as home modifications or debt elimination) that genuinely improve your family's baseline security.",{"type":82,"tag":234,"props":3796,"children":3797},{},[3798,3803],{"type":82,"tag":238,"props":3799,"children":3800},{},[3801],{"type":88,"value":3802},"Long-Term Care Planning:",{"type":88,"value":3804}," Selecting care facilities and medical services that fit your lifestyle values while maximizing your available public and private benefits.",{"type":82,"tag":91,"props":3806,"children":3807},{},[3808],{"type":88,"value":3809},"When these elements are structured correctly, the spend-down process ceases to feel like a financial loss and instead becomes a tool for reinforcing your existing plan.",{"type":82,"tag":83,"props":3811,"children":3813},{"id":3812},"proactive-planning-wins-every-time",[3814],{"type":82,"tag":238,"props":3815,"children":3816},{},[3817],{"type":88,"value":3818},"Proactive Planning Wins Every Time",{"type":82,"tag":91,"props":3820,"children":3821},{},[3822],{"type":88,"value":3823},"The key to preserving your family goals while navigating public benefits is time. Engaging in proactive medicaid asset protection planning long before a medical crisis occurs opens up a much wider array of legal and financial options.",{"type":82,"tag":91,"props":3825,"children":3826},{},[3827],{"type":88,"value":3828},"For instance, proactive planning allows you to establish a customized Medicaid planning trust, which helps protect your home and core savings from long-term care costs while cleanly navigating the state's strict 5-year look-back window. Waiting until a crisis forces your hand limits you to a narrow set of immediate spend-down options and drastically reduces your ability to protect your hard-earned assets.",{"type":82,"tag":91,"props":3830,"children":3831},{},[3832,3834,3840],{"type":88,"value":3833},"Your legacy shouldn't be the price you pay for healthcare. If you want to ensure your long-term care strategy works ",{"type":82,"tag":3835,"props":3836,"children":3837},"em",{},[3838],{"type":88,"value":3839},"with",{"type":88,"value":3841}," your estate plan rather than against it, taking a proactive, comprehensive approach is the only way forward.",{"type":82,"tag":91,"props":3843,"children":3844},{},[3845],{"type":82,"tag":238,"props":3846,"children":3847},{},[3848],{"type":88,"value":3849},"Are you ready to build a Medicaid strategy that honors your long-term estate goals?",{"type":82,"tag":3851,"props":3852,"children":3853},"br",{},[],{"title":357,"searchDepth":358,"depth":358,"links":3855},[3856,3857,3858],{"id":3683,"depth":358,"text":3689},{"id":3745,"depth":358,"text":3751},{"id":3812,"depth":358,"text":3818},"content:blog:don-t-let-a-michigan-medicaid-spend-down-destroy-your-estate-plan.md","blog/don-t-let-a-michigan-medicaid-spend-down-destroy-your-estate-plan.md","blog/don-t-let-a-michigan-medicaid-spend-down-destroy-your-estate-plan",{"_path":3863,"_dir":3338,"_draft":7,"_partial":7,"_locale":8,"title":3864,"description":3865,"date":3866,"imageUrl":3867,"imageAlt":3868,"practiceArea":3344,"author":23,"body":3869,"_type":366,"_id":4074,"_source":368,"_file":4075,"_stem":4076,"_extension":371},"/blog/is-your-estate-plan-a-death-document-or-a-life-document","Is your estate plan a \"death document\" or a \"life document\"?","Why a standard Will or Trust isn't enough to protect your savings from the $12,000/month cost of long-term care.\n","2026-03-25T00:00:00Z","/img/blog/rlf-blog-is-your-estate-plan-a-life-doc-mar-30.webp","old couple",{"type":79,"children":3870,"toc":4069},[3871,3885,3903,3912,3921,3933,3946,3955,3971,3994,4027,4036,4046,4058,4066],{"type":82,"tag":91,"props":3872,"children":3873},{},[3874,3876,3883],{"type":88,"value":3875},"There is a common misconception that once you have a Will or a ",{"type":82,"tag":97,"props":3877,"children":3880},{"href":3878,"target":3663,"rel":3879},"/estate-planning/trusts/irrevocable-trust/",[3665],[3881],{"type":88,"value":3882},"Revocable Living Trust",{"type":88,"value":3884},", your \"legal house\" is fully built and protected. You’ve done the right thing to avoid probate and ensure your assets go to your children.",{"type":82,"tag":91,"props":3886,"children":3887},{},[3888,3890,3894,3896,3901],{"type":88,"value":3889},"However, at ",{"type":82,"tag":238,"props":3891,"children":3892},{},[3893],{"type":88,"value":1244},{"type":88,"value":3895},", we often have to share a sobering reality: Most traditional estate plans are \"death document\" strategies. They focus almost exclusively on what happens ",{"type":82,"tag":3835,"props":3897,"children":3898},{},[3899],{"type":88,"value":3900},"after",{"type":88,"value":3902}," you are gone.",{"type":82,"tag":91,"props":3904,"children":3905},{},[3906,3910],{"type":82,"tag":238,"props":3907,"children":3908},{},[3909],{"type":88,"value":3217},{"type":88,"value":3911},", by contrast, is a \"life document\" strategy. It is designed to protect you, your spouse, and your independence while you are still very much here, but perhaps facing a health change.",{"type":82,"tag":3425,"props":3913,"children":3915},{"id":3914},"the-12000month-reality-check",[3916],{"type":82,"tag":238,"props":3917,"children":3918},{},[3919],{"type":88,"value":3920},"The $12,000/Month Reality Check",{"type":82,"tag":91,"props":3922,"children":3923},{},[3924,3926,3931],{"type":88,"value":3925},"In Michigan, the average cost of skilled nursing care has climbed to approximately ",{"type":82,"tag":238,"props":3927,"children":3928},{},[3929],{"type":88,"value":3930},"$12,000 per month",{"type":88,"value":3932},". For most families, this isn't just an expense; it’s a total liquidation of their life savings.",{"type":82,"tag":91,"props":3934,"children":3935},{},[3936,3938,3944],{"type":88,"value":3937},"A traditional Will or a simple Revocable Trust offers zero protection against these costs. If you enter a nursing home with a standard trust, the state generally expects you to \"",{"type":82,"tag":97,"props":3939,"children":3941},{"href":3940},"/medicaid-planning/what-is-medicaid-spend-down/",[3942],{"type":88,"value":3943},"spend down",{"type":88,"value":3945},"\" almost everything you own before you can qualify for assistance. Within a matter of months, the inheritance you intended for your children can vanish.",{"type":82,"tag":3425,"props":3947,"children":3949},{"id":3948},"adding-the-asset-shield-layers",[3950],{"type":82,"tag":238,"props":3951,"children":3952},{},[3953],{"type":88,"value":3954},"Adding the \"Asset Shield™\" Layers",{"type":82,"tag":91,"props":3956,"children":3957},{},[3958,3964,3966],{"type":82,"tag":97,"props":3959,"children":3961},{"href":3153,"target":3663,"rel":3960},[3665],[3962],{"type":88,"value":3963},"Elder Law ",{"type":88,"value":3965},"takes your existing plan and adds the necessary \"fortification\" to handle long-term care decisions. We move beyond simple distribution to focus on ",{"type":82,"tag":238,"props":3967,"children":3968},{},[3969],{"type":88,"value":3970},"asset preservation.",{"type":82,"tag":91,"props":3972,"children":3973},{},[3974,3976,3981,3983,3992],{"type":88,"value":3975},"With advanced tools such as an ",{"type":82,"tag":238,"props":3977,"children":3978},{},[3979],{"type":88,"value":3980},"Asset Shield™",{"type":88,"value":3982}," or a ",{"type":82,"tag":97,"props":3984,"children":3986},{"href":129,"target":3663,"rel":3985},[3665],[3987],{"type":82,"tag":238,"props":3988,"children":3989},{},[3990],{"type":88,"value":3991},"Michigan Lady Bird Deed",{"type":88,"value":3993},", we can structure your property to protect it from the state's reach. These strategies allow you to:",{"type":82,"tag":3197,"props":3995,"children":3996},{},[3997,4007,4017],{"type":82,"tag":234,"props":3998,"children":3999},{},[4000,4005],{"type":82,"tag":238,"props":4001,"children":4002},{},[4003],{"type":88,"value":4004},"Protect the \"Community Spouse\":",{"type":88,"value":4006}," Ensure that if one spouse needs care, the other isn't left in poverty.",{"type":82,"tag":234,"props":4008,"children":4009},{},[4010,4015],{"type":82,"tag":238,"props":4011,"children":4012},{},[4013],{"type":88,"value":4014},"Qualify for Benefits:",{"type":88,"value":4016}," Navigate the complex rules of Medicaid or VA benefits without having to \"go broke\" first.",{"type":82,"tag":234,"props":4018,"children":4019},{},[4020,4025],{"type":82,"tag":238,"props":4021,"children":4022},{},[4023],{"type":88,"value":4024},"Preserve the Home:",{"type":88,"value":4026}," Use specific deeds to ensure your home base stays in the family and isn't subject to estate recovery.",{"type":82,"tag":3425,"props":4028,"children":4030},{"id":4029},"a-plan-for-life-not-just-a-paper-for-the-future",[4031],{"type":82,"tag":238,"props":4032,"children":4033},{},[4034],{"type":88,"value":4035},"A Plan for Life, Not Just a Paper for the Future",{"type":82,"tag":91,"props":4037,"children":4038},{},[4039,4044],{"type":82,"tag":97,"props":4040,"children":4042},{"href":114,"target":3663,"rel":4041},[3665],[4043],{"type":88,"value":42},{"type":88,"value":4045}," is the foundation, but Elder Law is the roof and the walls. It’s the difference between having a map of where you want to go and having the vehicle that actually gets you there safely, regardless of the weather.",{"type":82,"tag":91,"props":4047,"children":4048},{},[4049,4051,4056],{"type":88,"value":4050},"Aging shouldn't mean losing control of what you’ve spent a lifetime building. 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