Snyder Law 2025 Irvine, CA

Life & Legacy Planning Guide

SNYDER LAW LIFE & LEGACY PLANNING GUIDE Helping Families, Seniors & Professionals Plan with Confidence in California

INDEX

Welcome to a law practice that truly stands apart. Here, it’s all about you; building a strong relationship so we can provide you with personalized service, attention, and guidance. You’re not just a client to us; you’re family. Our mission is to offer you quality advice, sharp insights, and, when needed, to stand up fiercely for you in court or safeguard your legacy. A DIFFERENT KIND OF LAW FIRM

Warm regards,

Kevin Snyder

SCAN TO SCHEDULE AN APPOINTMENT

IRVINE, CALIFORNIA: 2 Park Plaza, Suite 480, Irvine, CA 92614 CONCORD, CALIFORNIA: 1320 Willow Pass Rd. Ste 600, Concord, CA 94520 PASADENA: 177 E. Colorado Ave., Pasadena, CA 91105 SAN JOSE: 333 West San Carlos Street Riverpark Tower, San Jose, CA 95110

3 | SNYDER LAW

MEET YOUR TEAM

Kevin, an accomplished estate planning attorney, is dedicated to helping families safeguard and seamlessly pass down their assets, memories, and values. With advanced degrees and professional affiliations like WealthCounsel and the Orange County Bar Association, he simplifies complex estates and shares his expertise through OC Lawyer magazine. Beyond his practice, Kevin actively supports veterans, serves on the St. Joseph Hospital Board, and contributes to his church’s finance committee. At home, he’s a devoted father and husband, building a legacy of service and integrity while embracing life’s journey.

LARA BISIGNANO Business Development

Lara has a heart for people and is proud to be part of a firm whose values are rooted in family and serving the community. Lara studied Marketing at California State University, and enjoys using her creativity to serve clients, build relationships, and shed light on what can be a daunting process.

KEVIN SNYDER ATTORNEY | OWNER

MARTI MCINTOSH Legal Assistant

SCAN TO MEET KEVIN

Marti’s experiences in her multi-generational household inspire her work as a Legal Assistant at Snyder Law, where her compassion, attention to detail, and dedication to guiding families through estate planning make her an invaluable ally, both professionally and in the community.

Carolyn Snyder, the operations mastermind of Snyder Law, ensures every client feels valued through her precision and warmth, making interactions genuine and reassuring. Beyond her role at the firm, Carolyn is deeply devoted to her family and community, leading Snyder Law’s annual Christmas toy drive and supporting charities like Dolores Mission School, Bracken’s Kitchen, and the Alzheimer’s and Parkinson’s foundations. Her heartfelt care and commitment leave a lasting impact on the lives of clients, colleagues, and the families Snyder Law serves.

JENNA COHEN Paralegal

CAROLYN SNYDER DIRECTOR OF OPERATIONS

Jenna, an experienced Trust, Estate, and Probate Paralegal, finds fulfillment in helping clients safeguard their assets and navigate estate administration while cherishing her roles as a wife, mom, and aspiring future farm owner.

SCAN TO MEET CAROLYN

Lizabeth graduated from Fordham Law School and began her career in corporate and patent law at a prominent New York firm. After moving to the Bay Area, she became a California- licensed attorney and earned an LL.M. in Taxation. For the past decade, she has focused on estate planning, entity formation, and creditor protection, helping clients transfer assets smoothly while safeguarding their families through strategic estate and tax planning. Lizabeth values genuine client relationships and takes pride in guiding them toward peace of mind and security.

GRACE SMITH Marketing Assistant

Grace, a Marketing Assistant at Snyder Law with a background in communications, combines her creativity and passion for connecting with others to support the firm’s client-focused mission while enjoying books, family, and exploring new restaurants.

LIZABETH CONNOLLY ATTORNEY SCAN TO MEET LIZABETH

SNYDER LAW | 5

ESTATE PLANNING

ESTATE PLAN REVIEW CHECKLIST

WHAT IS ESTATE PLANNING?

Taking control of your future is crucial to protecting your loved ones. With the right guidance, estate planning can be simple, doable, and provide you peace of mind— use this checklist to help get you started!

WHAT WE HELP WITH

Planning can be as simple as naming a guardian for your child, or as complex as ensuring the success of the legacy you’ve worked hard to build. Whether you’re starting out, enjoying retirement, or somewhere between, Snyder Law’s estate planning solutions give you a foundation to ensure those you love will be taken care of, always – financially, and with a lasting legacy of love. WHY ESTATE PLANNING MATTERS Estate planning is not just about passing on wealth, it’s about protecting your family, reducing stress, and making your values known. A good estate plan ensures your wishes are honored, your children are cared for, your assets are preserved, and your legacy lives on the way you intended.

IMPORTANT ESTATE DOCUMENTS TO CONSIDER:

• Wills & Trusts • Guardianship Planning for Minor Children • Healthcare Directives & Power of Attorney • Incapacity Planning • Asset Protection • Special Needs Planning • Trust Administration • Probate • Beneficiary Rights • Fiduciary Representation • Veterans Benefits

☐ Trust ☐ Pour-Over Will ☐ Living Will with Dementia Provisions ☐ Durable Power of Attorney ☐ Advanced Healthcare Directive ☐ HIPAA Authorization KEY FINANCIAL DOCUMENTS TO ORGANIZE: ☐ Bank and Credit Card Accounts ☐ Investments ☐ Insurance ☐ Real Property and Deed Documents ☐ Retirement Plans ☐ Digital Assets and Passwords PLAN FOR TOMORROW, TODAY! When it comes to protecting your family and securing what matters most, having a comprehensive estate plan is essential.

START BY SCHEDULING A CONSULTATION: Whether you’re just beginning or need to update an existing plan, talking with a professional can help clarify your goals and the steps needed to achieve them.

6 | SNYDER LAW

SNYDER LAW | 7

FINANCIAL PROFESSIONALS

ADVICE. INSIGHTS. A PERSONALIZED PLAN CENTERED ON YOU AND YOUR GOALS

WHY FINANCIAL PROFESSIONALS ARE KEY TO YOUR ESTATE PLAN A well-crafted estate plan doesn't exist in a vacuum, it should work hand-in- hand with your financial plan. Financial professionals such as financial advisors, wealth managers, and fiduciaries play a critical role in protecting and growing the assets that make up your legacy.

With over 25 years of wealth management experience, Cara brings a uniquely diverse background, from Private and Business Banking to advising ultra-high net worth individuals across a range of comprehensive financial needs. At Morgan Stanley, she offers customized portfolios and tailored wealth planning strategies to achieve your life’s ambitions. MEET CARA M. PAYNTER CEPA, SENIOR VICE PRESIDENT FINANCIAL ADVISOR AT MORGAN STANLEY

When attorneys and financial advisors collaborate, your plan becomes stronger, more resilient, and aligned with your values. At Snyder Law, we work closely with financial professionals to ensure our clients’ legacies are legally sound and financially stable. “Your legacy is more than just a document — it’s a lifelong strategy. Working with your financial professional helps bring that plan to life.”

WHY WORK WITH CARA?

HOLISTIC WEALTH PLANNING, BUILT AROUND YOU

HOW THEY HELP

Cara has helped her clients navigate through the most challenging market conditions over the years, with a hands-on financial strategy and high service standards, she is dedicated to earning your trust. Cara is focused on both preserving and growing wealth, in alignment with your values and lifestyle. Through Morgan Stanley’s world class global wealth management capabilities, Cara offers direct access to premier investment platforms, elite market research, and a wide range of traditional and alternative investment opportunities.

•

Retirement Solutions (IRA’s, 401(k), rollovers, income planning) Family Wealth Planning (advanced estate strategies, 529 plans, special needs) Business Services (succession planning, qualified retirement plans, Key person, buy/sell agreements) Charitable Giving (donor-advised funds, foundations, endowments)

• Coordinate retirement account and life insurance beneficiary designations with your estate plan

•

• Advise on tax-efficient asset distribution strategies

•

Tax Advantage Strategies and Life Insurance Solutions

• Guide investment decisions based on long-term family goals

Contact Cara M. Paynter CEPA: (949) 365‑5377 | (949) 741‑4480 E. cara.paynter@morganstanley.com

• Support funding of revocable or irrevocable trusts

28202 Cabot Rd, Suite 500, Laguna Niguel, CA 92677 https://advisor.morganstanley.com/cara.paynter

• Help avoid liquidity issues that may arise in probate or trust administration

Morgan Stanley Smith Barney LLC. Member SIPC CRC 4608107 07/25

Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences. Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor’s individual circumstances and objectives.

8 | SNYDER LAW

ELDER LAW

WHAT I OFFER: 3 Education: Clear explanations of Medicare options. 3 Enrollment Assistance: Help with deciding the right time and plan for you. 3 Plan Research: Finding the best plan to fit your needs. 3 Ongoing Support: Acting as your first contact for any Medicare plan issues. YOUR TRUSTED PARTNER IN MEDICARE PLANNING Navigating Medicare can be complex, but you're not alone. At Ascent Insurance Services, I am dedicated to guiding you through every step, ensuring you find the plan that best suits your needs and budget. With over 40 years of experience working with seniors, my passion is to improve your quality of life by simplifying Medicare choices. My services are always free, and I’m committed to providing personalized assistance tailored to your unique situation. Helping You Navigate the Medicare Maze

FREE SERVICE!

UNDERSTANDING ELDER LAW Elder Law is the body of law that addresses the special legal challenges that come with the advances in age and health. It requires a more holistic approach to apply legal principles to specific emotional, logistical and financial needs of seniors and their families. HOW WE HELP SENIORS & THEIR FAMILIES • Long-term care planning and Medi- Cal eligibility strategies • Protecting assets from nursing home spend-down • Power of Attorney and Healthcare Directive updates • Legal safeguards for memory loss, dementia, or incapacity • Avoiding conservatorships through proactive planning • Preventing financial abuse or exploitation • Planning for blended families or adult children caregivers

WHY IT MATTERS

Aging is a family journey. Proper legal planning ensures your loved ones maintain dignity, choice, and financial stability, even in uncertain times. Without a plan, families may face court interventions, asset loss, and heartbreaking decisions made without guidance. “Elder law planning is not just about legal documents — it’s about preserving a loved one’s comfort, choices, and legacy during one of life’s most sensitive seasons.”

"Neta was there every step of the way. She was available with every question that came up. I really appreciated her thoroughness and concern and experience!" - Judy R

LICENSED IN 6 STATES: CA, OR, HI, ID, NV, AZ

Scan for website

Phone: 949-390-3024 • Email: neta@ascentinsuranceservices.com Website: www.ascentinsuranceservices.com

10 | SNYDER LAW

Navigating the Journey of Aging with Compassion and Expertise

Your Trusted Elder Care Concierge in Southern California

Aging gracefully is a journey best undertaken with trusted companions. At 4Ever Young Living, we provide personalized elder care solutions that prioritize dignity, independence, and well-being. Our comprehensive services are designed to meet the unique needs of each individual and their families. OUR CORE SERVICES: • In-Home Care: Tailored support including personal hygiene assistance, companionship, meal preparation, transportation, and light housekeeping, all within the comfort of home. • Assisted Living Services: Guidance in selecting the right living arrangements, from independent living to specialized memory care facilities, ensuring safety and comfort. • Long-Term Care Insurance Claim Management: Expert assistance in navigating insurance policies, ensuring seamless claim processes and maximizing entitled benefits. • Health Services Coordination: Collaboration with healthcare providers to manage medical appointments, therapies, and specialized care needs.

WHY CHOOSE 4EVER YOUNG LIVING? • Experience: Over two decades of industry expertise, led by founder Reema Khetarpal, a certified expert in long-term care. • Personalized Approach: Customized care plans that respect individual preferences and needs. • Comprehensive Support: From initial consultation to ongoing care management, we’re with you every step of the way.

Scan the QR code to make an appointment

Book your complimentary consultation and discover how 4Ever Young Living can support your family's elder care needs. This complimentary consultation includes personalized advice on in-home care, medical coordination, and senior lifestyle management. Our aim is to provide you with the necessary information and guidance to make informed decisions for your loved one's care.

Words cannot express my gratitude... They really treated us like family. AMANDA A., ALISO VIEJO, CA

An incredible resource... I recommend their services with complete confidence. ALBERTO R., SOCIAL SERVICES DIRECTOR

Reema Khetarpal Founder & CEO

Catherine Sparks Eldercare Concierge Dementia Care Specialist

Adi Carrillo Eldercare Concierge CNA

info@4eyl.co www.4eyl.co ORANGE COUNTY | LOS ANGELES | SAN DIEGO

(949) 514-4635

We are happy to help find your personal Elder Care solution. Call us today.

TRUST ADMINISTRATION

TRUST ADMINISTRATION: WHAT HAPPENS AFTER A LOVED ONE PASSES Losing a loved one is difficult enough without the added pressure of managing legal and financial responsibilities. Trust administration is the process of carrying out the wishes outlined in a trust. It can involve distributing assets, paying debts, notifying beneficiaries, and more. WHY IT MATTERS Many people assume a trust means everything happens automatically, but trustees have important legal duties and potential liabilities. Snyder Law helps ease the burden on families and ensures the trust is handled correctly, thoroughly, and compassionately.

KEY STEPS IN THE TRUST ADMINISTRATION PROCESS

• Notify beneficiaries and gather necessary documents

• Inventory trust assets and obtain valuations

• Settle outstanding debts and taxes

• Distribute assets according to trust terms

• Provide full accounting and finalize trust closure

OUR APPROACH We walk trustees through every step of the process, from asset gathering to final distribution, with a clear plan and caring guidance. We’re here not just to ensure compliance, but to give families the space to grieve while we handle the details.

“Trust administration isn’t just paperwork — it’s the final act of honoring someone’s life and legacy.”

14 | SNYDER LAW

SNYDER LAW | 15

HOME & LONG TERM CARE

WHY HOME & LONG-TERM CARE PLANNING MATTERS Aging at home or transitioning to assisted living requires more than emotional readiness, it demands financial and legal preparation. Without a proper plan, families may face overwhelming costs, rushed decisions, or even court intervention. WHAT CARE PROVIDERS OFFER • Support for activities of daily living (bathing, meals, medication reminders)

At Snyder Law, we help clients coordinate legal planning with care strategies to protect assets, ensure choice, and support long-term well- being. When legal and care providers work together, families are more empowered to make the right decision at the right time.

Unlock the Power of Home Equity - With Guidance You Can Trust Imagine choosing whether to make your monthly mortgage payment or skip it. With a reverse mortgage, homeowners 62 and older can tap into tax-free home equity without mandatory monthly mortgage payments, unless they choose to make them.* Since 2005, Kim McFee has helped homeowners secure financial freedom through FHA Home Equity Conversion Mortgages (HECMs) and Proprietary Reverse Mortgage options. Her tailored solutions free up monthly cash flow to create flexibility in retirement or even purchase a new home. Millions of homeowners have benefited from reverse mortgages, using funds to cover expenses, improve their homes, or enhance their lifestyle, especially during life’s unexpected transitions, known as the “3Ds”: • Death of a spouse with resulting loss of income • Divorce, leading to financial adjustments (including over 50s ‘Gray’ Divorce affecting retirement plans, assets & income) • Dementia or other costly long-term health needs

Homeowners retain full ownership allowing them to still pass the home on to their heirs.* Repayment happens when they sell, move out, or pass away, making financial planning essential. Kim advises clients to consult trusted experts to ensure smart, confident decisions. With years of experience, Kim has helped retirees regain financial control, whether by eliminating monthly mortgage payments or freeing up funds for other priorities.* Learn how a million homeowners have made their monthly mortgage payment optional and put cash in their pockets. Connect with Kim McFee today to explore your options.*

• Skilled nursing care or memory care environments

Have questions? Let’s talk about how a reverse mortgage may fit into your future. Let’s move forward - together - in reverse.

“The right care at the right time can change everything — but only if the legal and financial groundwork is already in place.”

• In-home care coordination for aging in place

Kimberly McFee | Reverse Mortgage Consultant MLO NMLS: 448765 | CA DRE: 01940145

• Respite care to support family caregivers

REVERSE MORTGAGE EDUCATORS INC 17875 Von Karman Ave, Unit 150, Irvine, CA 92614

Tel: 714.227.6601 | Fax: 657.202.1748 | Toll-Free: 800.940.0769 kmcfee@ReverseMortgageEducators.com | kmmcfee@gmail.com www.kmcfee.com

• Guidance navigating benefits like Medi-Cal or VA Aid & Attendance

*To keep the mortgage in good standing, the borrower must pay their property taxes, homeowner’s insurance, HOA dues, maintain the home at FHA standards, keep the home as their primary residence, and follow the guidelines as outlined in the note. Reverse Mortgage Educators is not affiliated with any government agency. A Reverse Mortgage is a loan that, if no monthly mortgage payments are made can have an increasing balance and gets repaid when the home is sold. Not all applicants may qualify.

16 | SNYDER LAW

CPAS & PROBATE SERVICES

PROBATE: A CLOSER LOOK

WHY ACCOUNTANTS ARE CRITICAL TO ESTATE PLANNING & PROBATE From calculating estate tax exposure to filing final income tax returns, CPAs play an essential role in ensuring your estate plan works as intended. After someone passes away, probate often triggers a long list of financial responsibilities. Having a knowledgeable accountant or probate professional involved can prevent delays, penalties, and conflicts.

At Snyder Law, we often coordinate with CPAs to create seamless plans that blend legal protections with financial compliance. This ensures fewer surprises for your loved ones and greater clarity when it matters most.

The loss of a loved one is without a doubt a difficult time. The grief alone involved in the passing of a loved one can be all-consuming, and if this is combined with the need for the probate process, it absolutely makes sense if you’re overwhelmed. Snyder Law can help alleviate some of the stress involved with the probate process so that you can take the appropriate time and care to grieve for and remember your loved one. In simple terms, probate is the court process required to handle a deceased individual’s affairs when that individual had a will, or passed away without an estate plan at all. The probate court will: • Determine whether a will is valid and appoint an individual to manage the estate • If the deceased left a will, this person is called an executor. • If the deceased passed without a will, or “intestate,” this person is called an administrator. • Inventory and appraise the estate property, pay debts and taxes, administer the transfer of property

If an individual did not have a trust, and had assets in their estate totalling over $184,500, the estate must be probated. Most people have a negative connotation with the probate process because it is time-consuming, expensive, and public. In California, probate fees are determined by the Probate code and are based on the value of the estate: • 4% of the first $100,000 ($4000) • 3% of the next $100,000 ($3000) • 2% of the next $800,000 ($16,000) • 1% of the next $9 Million (up to $90,000) • 0.5% of the next $15 Million (up to $75,000) • Above $25 Million: Reasonable amount to be determined by the Court. For these reasons, and due to the uncertainty of leaving the probate court to decide what happens to your loved one’s estate, headache and heartache can occur. Estate planning with a trust can avoid the probate process. However, if you find yourself already in the probate process, Snyder Law can help minimize the confusion associated with probate so that your loved one’s affairs are wrapped up as efficiently as possible.

HOW CPAS SUPPORT LEGAL PLANNING

• Filing estate and fiduciary income tax returns (Form 706, 1041) • Helping determine date-of-death asset values • Tracking distributions for heirs and tax documentation • Providing guidance on tax-efficient gifting strategies • Ensuring compliance during trust or probate administration

“Even the best legal plan can be undone by tax mistakes — which is why smart collaboration makes all the difference.”

and assets to beneficiaries as directed by the will, or heirs as determined by California law.

18 | SNYDER LAW

SNYDER LAW | 19

Cara’s specialties include: 3 Retirement Solutions (IRA’s, 401(k), rollovers, income planning) 3 Family Wealth Planning (advanced estate strategies, 529 plans, special needs) 3 Business Services (succession planning, qualified retirement plans, Key person, buy/sell agreements) (donor-advised funds, foundations, endowments) 3 Tax Advantage Strategies and Life Insurance Solutions 3 Charitable Giving

Why work with Cara? SEASONED AND COMPASSIONATE Cara has helped her clients navigate through the most challenging market conditions over the years, with a hands-on financial strategy and high service standards, she is dedicated to earning your trust. Cara is focused on both preserving and growing wealth, in alignment with your values and lifestyle. ACCESS TO ELITE RESOURCES Through Morgan Stanley’s world class global wealth management capabilities, Cara offers direct access to premier investment platforms, elite market research, and a wide range of traditional and alternative investment opportunities. About Cara Cara earned her B.S. in Business Administration from the University of California, Riverside Personal Financial Planning Certificate from the University of California, Irvine CEPA (Certified Exit Planning Advisor) Designation She holds her General Securities Licenses, Series 7, 66, CA Life Insurance #0F11451, NMLS #2460328, and is licensed in multiple states Cara currently sits on the Board of Art and Creativity for Healing (501(c)(3), a dedicated non-profit serving the local Orange County community. She is also active in her church community and has dedicated her life to serve those in need.

Your Life Goals. Our Global Strength.

Meet Cara M. Paynter CEPA, Senior Vice President Financial Advisor at Morgan Stanley

Start the conversation today Contact Cara M. Paynter CEPA

(949) 365‑5377 (949) 741‑4480

cara.paynter@morganstanley.com

Let’s define your goals, navigate markets, and build your legacy - hand in hand.

28202 Cabot Rd, Suite 500, Laguna Niguel, CA 92677

https://advisor.morganstanley.com/ cara.paynter

Morgan Stanley Smith Barney LLC. Member SIPC CRC 4608107 07/25

REAL ESTATE & DOWNSIZING

ASSET PROTECTION AND CARE PLANNING Downsizing often involves liquidating significant assets, such as the family home. Proper planning can help protect the proceeds from being rapidly depleted by long-term care costs. Snyder Law assists clients in strategies to qualify for programs like Medi-Cal while preserving assets, ensuring that seniors can afford quality care without eroding their estate. ONGOING SUPPORT Recognizing that estate planning is not a one-time event, Snyder Law offers Client Care Membership programs. These programs provide regular reviews and updates to estate plans, adapting to changes in clients' lives and laws. This proactive approach ensures that clients' plans remain effective and aligned with their evolving goals and circumstances. Downsizing is a significant step that impacts various aspects of a senior's life. With thoughtful legal planning, it can lead to a more manageable lifestyle while safeguarding one's legacy and providing peace of mind for the future.

Downsizing in retirement is more than just reducing square footage, it’s a pivotal life transition that intersects with estate planning, long-term care, and asset protection. At Snyder Law, this transition is approached with a comprehensive legal strategy tailored to each individual's needs. LEGAL CONSIDERATIONS IN DOWNSIZING For seniors contemplating a move to a smaller residence or an assisted living facility, it’s essential to update key legal documents. This includes revising wills, establishing or amending trusts, and ensuring powers of attorney and healthcare directives reflect current wishes. Such updates are crucial to manage assets effectively and to designate trusted individuals for financial and medical decisions in case of incapacity. Additionally, beneficiary designations on financial accounts and insurance policies should be reviewed to ensure they align with the overall estate plan. Neglecting these updates can lead to unintended consequences, as beneficiary designations often supersede instructions in wills or trusts.

22 | SNYDER LAW

YOUNG ADULT EMERGENCY PLAN

NAMING GUARDIANS FOR YOUR KIDS

WHEN YOUR CHILD TURNS 18, THE LAW CHANGES Once your child turns 18, you no longer have automatic access to their medical, financial, or educational information. Even if you’re still supporting them, you can be shut out during a crisis. Hospitals and universities are bound by privacy laws, and without the right documents, you may be powerless to help.

ACCESS CARD

IF YOU’RE NOT THERE, WHO WILL BE? One of the most loving — and difficult — decisions you can make is choosing a guardian for your children. If something happens to you, who will raise them? Without proper legal planning, the courts decide, and that process may not reflect your values or wishes. Snyder Law helps parents make this process simple, thoughtful, and legally binding. We’ll help you put your wishes in writing, explain it to your family, and update it as your children grow.

NAMING LEGAL GUARDIANS ENSURES: • Your children are cared for by someone you trust • No risk of foster care or court- assigned strangers • Avoids family conflict over who should raise your children • Provides stability, love, and continuity for your kids during crisis COMMON GUARDIAN PLANNING MISTAKES TO AVOID • Not naming both short- and long- term guardians • Naming couples without legal backup if they divorce or separate • Forgetting to share written wishes and values with future guardians • Failing to leave financial or legal instructions to support the guardian

The plan also includes digital storage for 24/7 access and emergency contact sharing. In moments that matter, you’ll be ready to act.

WHAT IS THE YOUNG ADULT PROTECTION PLAN™?

This plan ensures you stay connected and empowered in emergencies. It includes the legal documents and tools your adult child needs to grant you authority if something unexpected happens.

“Naming a guardian is one of the most powerful ways to protect your children — and give yourself peace of mind.”

At this very important junction in your child’s life, you’ll want to make sure you have all the preparation they need. You can use our guide to help.

WHAT’S INCLUDED

• Durable Power of Attorney • Advance Health Care Directive • HIPAA Authorization • Living Will • DocuBank I.C.E.™ Emergency • FERPA Waiver

Scan the QR code and download your copy.

24 | SNYDER LAW

SNYDER LAW | 25

Dedicated, Local Support As a local Edward Jones advisor, I provide personal, disciplined guidance to help clients adapt to life and economic changes. I work with individuals and business owners, collaborating with CPAs on tailored strategies. Trusted by the firm to mentor other advisors, I also serve on several Costa Mesa boards. I hold a business degree and the CRPS™ designation, and live locally with my wife and four children. In my free time, I enjoy coaching, golf, travel, and gardening.

Personalized Financial Guidance for Your Community Rooted in Southern California I’m a second-generation advisor with Edward Jones as a result of watching my father guide his clients through the unexpected and prepare for a work-optional retirement so they could realize their dreams. Our firm is built on the belief that the best way to do business is on a one-on-one, personal basis. Whether supporting local youth sports or building long-term relationships with clients, I’m committed to strengthening the place we all call home. Giving back and making a meaningful impact is important to me. I’m active in local organizations and deeply invested in the well-being of the families and businesses in our community.

Let’s Connect If you’re ready to take the next step, or know someone who might benefit from a trusted financial partner, I’d love to help. Contact us today to schedule a complimentary consultation, and let’s explore how we can help you achieve what matters most.

A Partner You Can Count On Whether you’re preparing for retirement, planning your estate, saving for your child’s education, or navigating major life transitions, I’m here to help guide you every step of the way. My process begins with understanding what’s most important to you. Together, we’ll build a personalized strategy using a proven approach designed to help you reach your financial goals with confidence and clarity.

Focus Areas: • Entrepreneur & Business Owners • Business Retirement Plans • Retirement Income Strategies • Estate & Legacy Strategies • Insurance & Annuities • Intergenerational Planning

Schedule Your Complimentary Review Today!

Contact Nick Peterson, CRPS™ to discuss your financial future

Nick Peterson, CRPS® Edward Jones 949 South Coast Dr Suite 475, Costa Mesa, CA 92626 (714) 486-1849 Nick.Peterson@edwardjones.com

We’re here to guide you - step by step.

www.edwardjones.com

PLANNING FOR AGING PARENTS

Also known as a Home Equity Conversion Mortgage (HECM) WHAT IS A REVERSE MORTGAGE?

HELPING YOUR PARENTS PREPARE FOR THE FUTURE Having 'the talk' with your parents about their future can be uncomfortable — but it's one of the most important conversations you'll ever have. Without a plan, your family may face uncertainty, financial strain, or court involvement during a medical or end-of-life crisis.

Snyder Law offers support for families at every stage — whether you're starting from scratch or reviewing a decades-old trust. We’ll help you avoid common pitfalls and ensure your parents' wishes are honored with dignity and clarity.

With a HECM, your home pays you. Instead of making monthly payments, you receive money from your home's built-up value . You retain ownership of your home and can continue living in it as long as you meet basic requirements. HOW DOES A HECM WORK?

KEY QUESTIONS TO EXPLORE TOGETHER

Tom Di Leo Mortgage Professional | 40+ Years Experience MEET YOUR REVERSE MORTGAGE SPECIALIST “I take great care and pride in helping my clients fully understand their loan options. I specialize in Reverse Mortgages for homeowners 55 and older and am here to guide you with integrity and clarity.”

• Do your parents have an up-to-date estate plan?

Supplement retirement income Stay in the comfort of their home Receive funds as a lump sum, monthly payments, or a line of credit Access equity in their home without monthly mortgage payments Enjoy flexible use of funds — from paying off debts to covering healthcare expenses A REVERSE MORTGAGE ALLOWS HOMEOWNERS AGED 55+ TO:

• Have they named someone to make financial and medical decisions if they can't?

• Do they have long-term care insurance or a care plan?

Our FREE Sandwich Generation Guide will give you valuable insight into how to be prepared for this stage in life. It covers everything you need to know, from the initial conversation to late-stage measures. Scan the QR code and download your copy.

• What are their wishes around medical treatment, housing, and funeral arrangements?

Tom Di Leo | NMLS # 328183

Contact me today!

Let’s find out if a Reverse Mortgage is the right fit for your future. 562.547.4311

• Do they understand how to avoid probate and preserve assets?

naf.com/TomDiLeo

Tom.DiLeo@nafinc.com

California Department of Financial Protection & Innovation. MLO License # CA-DBO328183 Borrower is responsible for paying taxes, insurance, and other property expenses. Borrower must occupy home as their principal residence. A new loan will require a new credit check, appraisal, title search, initial mortgage insurance premium, closing costs and fees. Consult your tax advisor. Equal Housing Opportunity. This is not a loan commitment or guarantee of any kind. Terms and conditions apply. Subject to borrower and property qualifications. Not all applicants will qualify. Rates and terms are subject to change without notice. All mortgage loan products are subject to credit and property approval. © New American Funding, LLC. NMLS #6606. nmlsconsumeraccess.org. Corporate office 14511 Myford Rd., Ste 100, Tustin, CA 92780. Phone: (800) 450-2010. https://www.newamericanfunding.com/ 06/25 NAF.com

28 | SNYDER LAW

INSURANCE PROFESSIONALS

Long Term Care Insurance Financial Peace of Mind Better Planning for Better Endings

HOW INSURANCE SUPPORTS A SOLID ESTATE PLAN Life insurance isn’t just a financial tool, it’s an estate planning essential. Life insurance can help preserve wealth, provide liquidity, and protect families from unnecessary hardship after a loss.

The cost of long-term care can be financially overwhelming. Most of us will face it, whether for ourselves or a loved one. But preparation today can prevent a crisis tomorrow.

WHAT LONG TERM CARE INSURANCE COVERS ■ Premiums are tax deductible and benefits tax free ■ It pays for homecare, assisted living and nursing homes ■ Home and assisted living start at $6,000 to $8,000 a month ■ Nursing Home starts at $10,000 to $12,000 a month ■ Home modifications (grab bars, ramps, etc.) ■ May start coverage on day one ■ May include life insurance ■ Rates are affordable and only A rated companies are used ■ Caring for a loved one is emotionally challenging but it doesn’t have to be a financial disaster. THE EMOTIONAL TOLL ■ Having the money to hire professional caregivers can ease financial worries and relieve your family of the burden of becoming caregivers.

PEOPLE WHO NEED INSURANCE 1. Adult children of aging parents with children of their own (Sandwich Generation) 2. Single parents 3. Single women – ‘who will take care of me when I’m old?’ 4. Families with assets to protect 5. Couples with a big age difference 6. Families with special needs children

WAYS INSURANCE HELPS

At Snyder Law, we often coordinate with insurance professionals to ensure that legal and financial strategies align. The right insurance coverage helps preserve your estate plan and protect the people you love.

• Covers final expenses, taxes, and probate costs • Provides quick liquidity for loved ones during trust administration • Replaces lost income to support dependents or surviving spouses • Funds long-term care costs without depleting assets • Supports charitable giving or legacy bequests

Preparing now means facing your future with confidence. Secure your legacy, protect your family, and plan for the life you want.

JIM BETTER

“Insurance fills the financial gaps that even the best legal plan can’t cover alone.”

CERTIFIED LONG TERM CARE SPECIALIST (CLTC) CA LICENSE 78016

START YOUR PLANNING NOW 603 964 2020 jimbetter@essentialplansusa.com essentialplansusa.com

30 | SNYDER LAW

CLIENT CARE MEMBERSHIPS

ESTATE PLANNING ISN’T ONE-AND-DONE Your life will change, and so should your plan. That’s why Snyder Law offers our exclusive Client Care Memberships. These annual plans help ensure your documents stay up to date, your family stays informed, and you stay prepared for whatever life brings next.

WHY OUR CLIENTS LIKE THE CLIENT CARE PROGRAM

“I like the peace of mind around the program and knowing I can make changes and update the plan without a charge.” ✓ Free trust reviews & updates ✓ Unlimited document storage ✓ Direct access to legal support ✓ Family-focused planning & guardianship tools ✓ No surprise fees, just peace of mind

I’m a second-generation financial advisor with Edward Jones, inspired by watching my father help clients navigate the unexpected and prepare for a work-optional retirement. Our firm believes the best way to do business is through one-on-one, personal relationships. As a branch team, we take the time to understand what matters most to you. Using an established process, we create personalized strategies to help you reach your goals, and we partner with you throughout life to help keep you on track. Would it be valuable to have a financial advisor who motivates you to take control of your finances? Clients often choose to work with me because of my disciplined approach and commitment to long-term partnership. I help them stay focused and adapt as life or the economy changes. In addition to individual investors, I work closely with successful business owners, collaborating with their CPAs to implement retirement plans, key person insurance, and succession strategies. Edward Jones has entrusted me with mentoring other advisors on best practices, and I’m proud to share the connections I’ve built while serving the community. I sit on the Board of Directors for the Costa Mesa Chamber of Commerce, serve as president of the Kiwanis Club of Costa Mesa, and I am a Board member of the Vanguard University Foundation. I also serve as the Chair for the Vanguard University Investment Council, overseeing the endowment. I hold a degree in business administration from Vanguard University and the CRPS™ designation. I live in Costa Mesa with my wife, Brittany, and our children—Maverick, Sedona, Indiana, and Augusta. Outside of work, I enjoy coaching baseball, golfing, traveling, and gardening on our suburban homestead. Based on what I’ve shared, would you find value in a quick phone call?

WHAT’S INCLUDED IN MEMBERSHIP

• Document updates (as allowed by tier)

• Priority access to your attorney and legal team

• Annual review meetings

• Peace of mind knowing your plan evolves with your life

Focus Areas: • Entrepreneur & Business Owners • Business Retirement Plans • Retirement Income Strategies • Estate & Legacy Strategies • Insurance & Annuities • Intergenerational Planning

Nick Peterson, CRPS® Edward Jones 949 South Coast Drive Suite 475 Costa Mesa, CA 92626 (714) 486-1849 Nick.Peterson@edwardjones.com

• Support for major life events, including births, deaths, marriages, and relocations

www.edwardjones.com

32 | SNYDER LAW

HOSPICE, FUNERAL, END-OF-LIFE

10 STEPS TO TAKE AFTER A LOVED ONE PASSES AWAY

COMPREHENSIVE LEGAL SUPPORT FOR END-OF-LIFE DECISIONS We provide assistance with essential legal documents, including advance healthcare directives, powers of attorney, and wills. These tools ensure that medical and financial decisions align with the individual's preferences, providing clarity and peace of mind for both clients and their families. HONORING WISHES THROUGH HOSPICE AND FUNERAL PLANNING Understanding the importance of honoring a loved one's final wishes, Snyder Law offers guidance on hospice care decisions and funeral arrangements. By integrating these considerations into the estate planning process, we help families navigate the emotional and logistical aspects of end-of-life care with dignity and respect. Snyder Law's holistic approach ensures that clients are not only legally prepared but also emotionally supported during life's most challenging transitions.

Navigating the complexities of end-of-life care requires more than just medical decisions, it involves thoughtful legal planning to ensure one's wishes are honored and loved ones are supported. Snyder Law can assist in the areas of estate planning and elder law, offering comprehensive services to guide individuals and families through these critical moments. EMPOWERING CONVERSATIONS ABOUT END-OF-LIFE PLANNING Snyder Law encourages clients to approach end-of-life planning not as a taboo topic but as an empowering conversation. By focusing on personal values, stories, and the legacy one wishes to leave behind, individuals can create a meaningful plan that reflects their life and intentions. "Planning for the end of life isn’t about death - it’s about honoring life, love, and the legacy we leave behind."

STEP 1: GRIEVE Give yourself permission to feel. You don’t need to jump into action right away. Taking care of your emotional well-being is just as important as the tasks ahead. STEP 2: LOCATE Find important documents like the Will, Trust, Power of Attorney, and key financial records. These will determine next steps and who has legal authority. STEP 3: SECURE Protect physical assets: Change the locks on the home, gather keys and access to any safes, and notify financial institutions - don’t start paying bills just yet. STEP 4: ORDER Request 8–10 certified copies of the death certificate. You’ll need them for banks, insurance, property transfers, and more. STEP 5: NOTIFY Inform the three major credit bureaus - Experian, Equifax, and TransUnion—to prevent identity theft. You’ll need a death certificate to complete this.

STEP 6: INFORM Notify key government agencies: Social Security, State Medicaid programs, such as Medi-Cal. Cancel or adjust benefits as needed STEP 7: PAUSE Even if you have access to accounts, do not move funds or pay bills until you have legal authority. Acting too soon can lead to serious complications. administration is required. Consult an attorney to review what’s needed legally. STEP 9: CONNECT Reach out to the decedent’s Financial advisor, CPA, and Estate planning attorney. These professionals can provide guidance and have helpful records or insight. STEP 10: PARTNER Work with a qualified probate or trust administration attorney. Trying to do everything yourself can lead to mistakes, delays, and stress. STEP 8: REVIEW Determine if probate or trust

34 | SNYDER LAW

SNYDER LAW | 35

6. MILITARY BENEFITS If you or your spouse served in the military, keep important documents like the DD 214 form handy. Understand your survivor benefits, such as the Survivor Benefit Plan (SBP), and reach out to the VA for assistance with benefits and burial support. 5. WILLS AND TRUSTS Make a will and have it notarized. For larger or more complex estates, consider a trust to avoid probate and possibly save on taxes. Trusts can also ensure that assets are distributed according to your wishes, such as setting up trusts for children or a spouse. 7. FUNERAL EXPENSES Funeral costs can be significant, so plan ahead. Consider life insurance or savings to cover the $10,000 to $20,000 that typical funeral services may cost. Knowing how you will cover these expenses will relieve added stress during an already difficult time. 8. SOCIAL SECURITY BENEFITS Social Security provides a small one-time death benefit of $255, but more importantly, surviving spouses and children may be eligible for ongoing benefits. Understand how your spouse’s Social Security benefits work and what you may qualify for after their death. 9. IMPORTANT DOCUMENTS AND PASSWORDS Organize all important documents like wills, insurance policies, and financial records in one secure place, such as a fireproof safe. Keep a record of passwords and usernames for all accounts and make sure your spouse knows how to access everything when needed. 10. EMOTIONAL AND PRACTICAL SUPPORT Don’t go through a loss alone. Lean on family, friends, and support groups for emotional support. Take your time with big decisions like selling your home or moving. Being prepared will give you the flexibility to focus on healing without rushing into major life changes.

10 MUST DOs TO PREPARE FOR THE UNEXPECTED Life is unpredictable, and being prepared can make all the difference when facing the unexpected. This guide highlights the key steps you can take now to protect your family and ensure your affairs are in order.

1. LIFE INSURANCE Get life insurance early when it’s more affordable. Term life insurance until age 60 or 70 is a good option for many. It helps cover immediate expenses like funerals and can provide financial support for the future, such as college. Ensure you’ve named beneficiaries and that someone knows where the policy is and its details. 2. FINANCIAL ACCOUNTS Keep an updated list of all financial accounts, including bank accounts,retirement funds, and investment accounts. Both spouses should have access and be named on joint accounts to avoid probate. Always name beneficiaries and ensure your spouse knows how to access accounts, usernames, passwords, and important contacts. 3. REAL PROPERTY Make sure both spouses are listed on property deeds and vehicle titles to avoid legal complications. If a spouse passes, update the documents by removing their name. Discuss what to do with rental properties or other real estate if one spouse is left managing them alone. 4. POWER OF ATTORNEY (POA) & MEDICAL DIRECTIVES Sign documents granting your spouse power of attorney to make financial and medical decisions if you’re incapacitated. Also, have an honest conversation about life support and sign advance directives that specify your wishes in such situations.

Page 1 Page 2-3 Page 4-5 Page 6-7 Page 8-9 Page 10-11 Page 12-13 Page 14-15 Page 16-17 Page 18-19 Page 20-21 Page 22-23 Page 24-25 Page 26-27 Page 28-29 Page 30-31 Page 32-33 Page 34-35 Page 36-37 Page 38-39 Page 40-41 Page 42-43 Page 44

calendly.com

Made with FlippingBook Digital Proposal Creator