Expect the Unexpected Securing Your Legacy With Estate Planning
The aftermath of Hurricane Ian in 2022 was a time of mourning
But even when facing this adversity, hope is still with us. Tragedies often prompt introspection, reshaping our perspectives and fostering empathy toward others. Instead of frustration, I now ponder the unseen struggles of those around me, recognizing the shared human experience of pain and resilience. The lyrics of R.E.M.’s 1992 ballad “Everybody Hurts” echo through my mind, and I’m reminded of the profound challenges I encounter daily in my estate planning practice. Wealth does not shield individuals from life’s trials — whether it’s grappling with illness, addiction, or caregiving responsibilities, everyone faces their battles. Such is life, filled with complexities and uncertainties. Writing helps me recall the bond I’ve cultivated with many of you over the past two decades — sharing insights on life within an estate planning framework. A well-crafted estate plan is a safeguard, providing a legal and financial framework to navigate life’s inevitable challenges. While it may seem inconsequential during periods of stability, prudent planning ensures security for ourselves and our loved ones when life sends challenges our way.
and profound loss for many. Some people tragically lost their lives,
while others, like myself, faced the task of having to rebuild. With over $250,000 invested in repairing my
home, the $4,800 insurance reimbursement hardly sufficed, and the renovations remain ongoing. But amidst my challenges, I remember to count my blessings. Material possessions can be restored, and most importantly, my family emerged physically unscathed. Although the setback may delay my retirement, I’m fortunate to possess the means to persevere. During Ian’s aftermath, my wife Patti endured the passing of her father, Ronald, a loss compounded by her mother Rhoda’s subsequent surgery and rehabilitation. Despite Ronald’s extended illness, his death still weighed heavily on Rhoda, who lamented not being by his side in his final moments. Patti tirelessly shuttles between here and Tamarac, offering care and support to her recovering mother.
S t . P a d d y
INGREDIENTS
TAKE A BREAK!
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Nonstick vegetable oil spray 2 cups all-purpose flour, extra for dusting
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3 tbsp chilled unsalted butter, cubed
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5 tbsp sugar, divided 1 1/2 tsp baking powder
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1 cup buttermilk 2/3 cup raisins
1/2 tsp kosher salt 3/4 tsp baking soda
DIRECTIONS 1. Preheat oven to 375 F. Coat an 8-inch round cake pan with nonstick spray. 2. In a bowl, whisk together flour, 4 tbsp sugar, baking powder, salt, and baking soda. Cut butter into the mixture with your fingers or a pastry knife until crumbly. Make a well in the center and pour in buttermilk. Gradually mix until dough comes together. Mix in raisins. 3. Using floured hands, form dough into a ball and transfer to pan. Sprinkle with remaining 1 tbsp sugar. 4. Bake bread for about 40–45 minutes or until golden brown and a tester stick comes out clean. Let bread cool in the pan for 10 minutes, then enjoy!
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