What Is the Most Talked About Advantage of a Revocable Living Trust in Texas?
When thinking about estate planning, you may have heard about revocable living trusts. Many people wonder whether this type of trust is right for them and what makes it such a popular choice. One of the biggest reasons families in Texas choose a revocable living trust is to avoid probate. But what does that really mean, and why is it such a significant advantage? At The Law Office of Angela Odensky, PLLC, we help clients understand how revocable living trusts work and whether they fit into their estate planning goals. While these trusts offer multiple benefits, the ability to bypass probate often stands out as the most talked-about advantage. Avoiding probate is often the most significant reason individuals choose a revocable living trust. Probate is the legal process of administering an estate after someone passes away, and in Texas, it can be time-consuming and costly. Assets held in a properly structured revocable living trust bypass probate, allowing heirs to receive their inheritance more efficiently and with greater privacy. Understanding how a revocable living trust works can help individuals and families make informed decisions about their estate plans. When assets are placed in a trust, they remain under the control of the trust creator (grantor) during their lifetime. The grantor can modify or revoke the trust at any time. Upon their passing, the designated successor trustee distributes the assets according to the trust’s instructions without needing court approval. A revocable living trust provides many additional benefits beyond avoiding probate. It can help maintain family privacy, streamline asset distribution, and reduce the burden on loved ones during a difficult time. For families with minor children or blended family dynamics, a trust offers greater control over how and when assets are distributed. Additionally, individuals who own property in multiple states can use a trust to prevent the need for separate probate proceedings in each jurisdiction. While a revocable living trust is a powerful estate planning tool, it is important to ensure it is properly funded. Assets must be retitled in the name of the trust to receive the full benefits of probate avoidance. Working with an experienced estate planning attorney helps ensure the trust is correctly structured and aligns with your overall goals. We are prepared to help you navigate these complex issues with empathy and expertise. Understanding the advantages of a revocable living trust can provide peace of mind for you and your loved ones. We know that effective communication with your virtual attorney is key to a successful legal experience. We aim to help you feel secure about these things with good estate and long-term care planning. Get in touch with us to chat more about this.
What Are the 5 Most Costly Estate Planning Mistakes in Texas
Estate planning is one of the most important steps you can take to protect your future and your loved ones. However, costly mistakes can put your legacy at risk and create unnecessary complications for your family. At The Law Office of Angela Odensky, PLLC, we help Texas families navigate estate planning with confidence, making sure their plans are legally sound and aligned with their goals. Understanding the most common mistakes can help you avoid them and make informed decisions about your estate. To begin, one of the costliest estate planning mistakes is failing to create one. Many people assume that estate planning is only for the wealthy or elderly. Without a valid estate plan in place, Texas law will determine how your assets are distributed, which may not align with your wishes. Proper planning ensures that you maintain control over your legacy and that your loved ones are protected. Next mistake is not updating your estate plan. As the years go by your life changes, and your estate plan should change with it. Major life events such as marriage, divorce, the birth of a child, or acquiring new assets require updates to your will, trust, or beneficiary designations. Failing to review and update your plan regularly can lead to unintended consequences. Another mistake is choosing the wrong executor or trustee. Your executor or trustee plays a critical role in carrying out your estate plan. Selecting someone who is not equipped to handle the responsibilities can lead to mismanagement, delays, or disputes among beneficiaries. It is essential to choose a trustworthy and capable individual or professional to manage your estate. Overlooking incapacity planning is another unfortunate mistake. Estate planning is not just about what happens after you pass away. If you become incapacitated due to illness or injury, having durable power of attorney and health care planning tools in place ensures that your financial and medical decisions are handled by someone you trust. Without these legal tools, your family may have to go through a lengthy and costly guardianship process. Finally, not thinking of your future and considering the impact of long-term care costs. Long-term care expenses can quickly deplete your assets if you are not prepared. Medicaid planning is an essential part of estate planning for many families in Texas. Without proper planning, you may face financial strain or difficulty qualifying for Medicaid benefits when you need them most. Working with an experienced estate planning attorney can help protect your assets while ensuring access to necessary care. We are prepared to help you navigate these complex issues with empathy and expertise. Taking proactive steps now can protect your loved ones, preserve your legacy, and provide you with peace of mind. We know that effective communication with your virtual attorney is key to a successful legal experience. We aim to help you feel secure about these things with good estate and long-term care planning. Get in touch with us to chat more about this.
Did You Know 2024’s Big Law Change Could Impact Your Business?
What do superstars Aretha Franklin, Prince, Sonny Bono, Amy Winehouse, and most recently Chadwick Bozeman have in common? They all died without a will. Amazingly, these wealthy celebrities who seemingly had access to unlimited financial resources and advisors didn’t have a will specifying who their property was to go to upon their deaths. Likely, they had families, friends, loyal staff, foundations, and charities that they would like to have left resources to, however, their lack of foresight has resulted in a situation that will take a great deal of time, effort, and money, as well as legal expertise, to sort out. Most of us will die without leaving such a financial legacy, but we do want to protect our assets and make certain that those who we wish to inherit our estates and property are named and protected. If You Die Without A Will If you die without a will in the State of Texas, you are said to have died intestate. When someone dies intestate, Texas law clearly outlines how the estate will be distributed in the Texas Probate Code. The State will not step in and seize all property of those dying without a will — the law however will draw a distinction between separate property and community property which you may not have done had you specified the distribution of your property in a legal will. How Will My Assets be Distributed? Instances such as second marriages, children by different spouses, surviving spouses, dying without having children or a spouse, etc. are all addressed by Texas law if someone dies without a will. And, while Texas law establishes a way to determine heirs, dying intestate and the division of property may not be in accordance with what you had envisioned while you were living. Additionally, dying without a will can be emotionally draining upon family members at an already stressful time. Ensuring Property DistributionTo ensure that your estate is divided as you desire, and to avoid costly legal expenses, you should seek the advice of a legal professional and make sure you have a valid and up-to-date Texas will clearly outlining division of your property upon your death. Contact Angela Odensky (angela@odenskylaw.com) to guide youthrough the process and create a legal will in Texas that specifies exactly|where your property will go and that honors your wishes.
New Year, New Plan: The Easy Button to Refresh Your Texas Estate Plan in 2024!
Happy New Year! It’s a great time to check and update your estate plan. Estate planning means making a plan for your money and property for when you’re not here anymore, or can’t make your own decisions. It’s really important to make sure everything is in order, especially because laws can be different in each state. In Texas, where our law office is, we know a lot about these laws and can help you with your specific needs. If you live in Texas, and haven’t created a plan or have had major life changes that could affect your current plan, like getting married, having a baby, or getting new things, we’re here to help you put a plan in place or update your plan. Here are six key things you should think about for your estate plan in Texas: Know Texas Laws. Texas has its own rules about estates, like house laws and probate (court process after someone dies). Our lawyers know all about these and can make sure your plan follows them. Plan for Your Kids. If you have young kids, you should choose someone you trust to take care of them and think about setting up a trust to help with their future. Think About Long-Term Care. It’s smart to plan for when you might need extra care when you’re older. Talk to us about insurance and plans for the future as you age, as well as what long-term care really means for you and your family. Update Who Gets What. Life changes, like getting married or having a baby, mean you should look at who you’ve said will get your money and things. We can help make sure it’s all up-to-date. Consider Taxes. We can help you understand taxes after you’re gone and find ways to handle them best, like giving gifts or setting up certain trusts. Plan For If You Can’t Make Decisions. Include legal documents like a power of attorney and a living will in your plan. These say what you want if you can’t make decisions yourself. Keep these updated too. To sum up, the start of the year is a perfect time to make sure your estate plan is current and does what you want it to. We’ll help you keep it working right and answer any questions. This gives you and your family peace of mind. Our law firm focuses on helping people who take care of both their kids and aging parents, known as the “Sandwich Generation.” We understand the worries about what will happen to them and how to pay for long-term care. We aim to help you feel secure about these things with good estate and long-term care planning. Get in touch with us to chat more about this!
Estate Planning is a Family Affair
Estate planning is a family, and sometimes friend, affair. When you finally sit down and begin thinking about how you want to plan for your family’s future, you have to consider the people who are going to be impacted by your estate plan. I don’t just mean those who will be your beneficiaries, but rather the people you have chosen to handle your affairs. Depending on your situation, you may want to fill five primary positions: Power of Attorney, Medical Power of Attorney, Executor, Guardians, and Trustees. These are your “fiduciaries.” You may have heard the term “fiduciary” in legal or financial conversations. A fiduciary is someone with a legal responsibility to handle certain affairs on behalf of someone else. These five positions are there to handle specific aspects of your affairs on your behalf or the behalf of your estate when you still living but unable to manage your affairs and after you have died. POWERS OF ATTORNEY AND MEDICAL POWERS OF ATTORNEY These two documents allow you to determine who has the authority to make certain decision regarding your finances and health while you are still living if are not able to do so. Unlike Guardianship, discussed below, a power of attorney does not reduce or diminish your rights. It merely allows another to act on your behalf if you need someone to step in. GUARDIANS A guardian is someone who has the authority to make all decisions for a person under the guardianship. This is to be used in situations where there is a minor in need of a guardian or when an adult is incapacitated and is no longer capable of making decisions. There are two types of Guardians you may need to consider: one for your children and one for yourself in the case of incapacity. The Guardians for your children can be named in your will or in a separate guardianship document should there be a concern of incapacity. As for naming a Guardian for yourself in the case of incapacity, Texas allows you to designate a guardian prior to need. The Guardians can be Guardians of the estate, who handle the financial side, or Guardians of the Person, who can make decisions on behalf the minor or incapacitated person. A Guardian of the Person should be someone you trust to make decisions you would agree with for yourself and your children. A Guardian of the Estate is someone you would trust to make sound financial decisions in the interest of your estate. A Guardian of the Person and Guardian of the Estate do not have to be the same person. Before you designate your Guardians talk to them about what you expect from them and how they might manage your affairs. TRUSTEES If you choose to set up a trust, you will need to appoint a Trustee. Similar to a Guardian of the Estate, you want a Trustee who is financially competent. There are professional trustees through banks and other financial institutions that serve as Trustees for large estates, but for most families, whose estates are more modest, a Trustee will usually be a family member or close family friend. The Trustee will be the one holding the checkbook and making all the financial decisions regarding the trust you have set up. EXECUTOR The Executor is the person who handles the legal aspects of having your Will verified and administered. When choosing how to fill this position, you want to think about the personalities of those around you. This person needs to be a detail-oriented person who can manage deadlines and isn’t overwhelmed by having to deal with attorneys and legal paperwork. Above all, remember these positions can be a significant responsibility. It is not a family popularity contest. It is important to choose the right person for the right job. When you engage in estate planning, there are more concerns than merely deciding who will receive the heirlooms. Think about the people who will be the best fit for these crucial positions and then discuss them with your estate planning attorney.
Are You Making a Plan for Tomorrow When Your Loved Ones has Disabilities?
There is no easy way to start this conversation but it is something that is really important, especially for families with loved ones who have disabilities. Did you know that planning ahead for your family’s future can make a huge difference? It’s like drawing a treasure map so that everyone knows where the treasure (your family’s future happiness and security) is hidden. In fact, this month of March we are reminded that it is National Developmental Disabilities Awareness Month, which is a great time to learn and talk about the importance of supporting our friends and family members with disabilities. But why should you plan now? After all, you have so much to do each day! Let us share a few reasons why you want to start planning your estate early right here with you. Send a Big Hug for the Future. Imagine giving your family a big, warm hug that lasts even when you’re not around. Planning your estate early is just like that! It means making sure that your loved ones, especially those with disabilities, are taken care of in the best way possible. Special Plans for Special People. When someone in your family has a disability, they might need extra help or special care. By planning your estate early, you can make sure that they have what they need to be happy and comfortable, without any worries. Even if you are no t here anymore. Create a Smooth Path Ahead. Life is full of surprises, but some surprises can make things tough for your family if you’re not prepared. Planning your estate helps make the path smoother for everyone, no matter what surprises come your way. Keep the Treasure in the Family. You’ve worked hard for your treasure, which is everything you own and want to pass on, right? Planning your estate helps make sure that your treasure goes to the people you love, like your family, and not anywhere else. There is no wrong time to start planning but National Developmental Disability Awareness Month is a perfect time to start thinking about planning your estate, especially if you have loved ones with disabilities. It’s a month dedicated to understanding and celebrating the contributions of people with disabilities, as well as recognizing the special considerations they might need. We want to answer your questions. We are a law firm that understands estate planning for families with disabled members and speak the same language as you. We know all about the special rules and tricks to make sure your loved one is taken care of just right. Think of your family like a ship. You want it to be strong and safe, right? A lawyer who understands can help build your family’s ship so it can sail through any storm without getting lost. Sometimes, there are special benefits or programs that can help your loved one with a disability too, but they can be hard to find. A knowledgeable lawyer knows where to look and how to help you get them. Planning your estate early is super important, especially when you have a loved one with a disability. Let’s get started on that treasure map and make sure your family’s future is as bright and secure as possible! We aim to help you feel secure about these things with good estate and long-term care planning. Get in touch with us to chat more about this!
How to Protect Yourself When Unexpected Crises Can Happen at Any Time
Life is full of uncertainties, and unexpected crises can strike at any moment. Whether it is a sudden illness, an accident, or a natural disaster, being unprepared can leave you and your loved ones vulnerable. We find that by taking proactive steps now, you can create a robust safety net that will help you navigate through difficult times with greater ease and assurance. Our goal in this blog is to share some essential steps to protect yourself when facing unexpected crises. Before we share these tips, let us say that the importance of preparation cannot be overstated. Many people live with the false sense of security that “it won’t happen to me.” The reality is that crises do not discriminate and they can affect anyone, anytime. While it is impossible to predict every possible scenario, being prepared for the unexpected can mitigate the impact and ensure that you and your family are not caught off guard. Preparation goes beyond just having a first aid kit or a few emergency supplies. It involves a comprehensive approach that includes legal, financial, and personal readiness. This holistic approach not only secures your physical well-being but also protects your financial health and personal wishes. Whether it is setting up legal documents, building a financial cushion, or maintaining essential records, each step is a critical component of crisis preparedness. Moreover, having a plan in place provides peace of mind. Knowing that you have taken steps to protect yourself and your loved ones can reduce anxiety and stress during turbulent times. This confidence allows you to focus on navigating the crisis itself, rather than scrambling to figure out what needs to be done. It also ensures that your wishes are respected, and your loved ones are not left with difficult decisions during emotional times. 1. Create an emergency plan. Having a well-thought-out emergency plan can make all the difference during a crisis. This plan should include emergency contacts, evacuation routes, and a designated meeting place for your family. Regularly review and update the plan to ensure everyone knows what to do. Discussing and practicing this plan with your family can further enhance its effectiveness. 2. Establish a durable power of attorney. Designating an agent under your power of attorney allows someone you trust to make important financial decisions on your behalf if you become incapacitated. This legal document ensures that your wishes are followed and can help avoid delays and complications in critical situations. Choosing the right person for this role is crucial, as they will be handling significant responsibilities on your behalf. 3. Set up a financial safety net. Building an emergency fund and having adequate insurance coverage such as health, disability, and life insurance are crucial for financial stability during unexpected crises. This safety net can help cover medical expenses, loss of income, and other unforeseen costs, providing peace of mind. Financial planning with a professional can help you identify the appropriate amount and types of coverage needed. 4. Overall ensure your estate plan is up to date. Regularly review and update your estate plan to reflect any changes in your life circumstances, such as marriage, divorce, the birth of a child, or the acquisition of significant assets. An up-to-date estate plan ensures that your assets are distributed according to your wishes and can help minimize legal complications for your loved ones. This includes updating beneficiary designations and making necessary adjustments to trusts and wills. 5. Maintain important documents. Keep all essential documents, such as your will, power of attorney, healthcare directive, insurance policies, and identification, in a safe and accessible location. You want to consider using a fireproof and waterproof safe or a secure digital storage option. Inform trusted family members or advisors about the location of these documents. Being able to have quick access to these documents can save valuable time during an emergency. 6. Develop a support network. Building a network of trusted friends, family members, and professionals can provide invaluable support during a crisis. Ensure you have contact information for healthcare providers, legal advisors, and financial planners who can assist you in navigating difficult situations. Regularly communicating and updating these contacts can ensure they are ready to help when needed. 7. Practice self-care and stress management. Taking care of your physical and mental health is essential in preparing for unexpected crises. Develop healthy habits, such as regular exercise, a balanced diet, and sufficient sleep, to build resilience. Additionally, practice stress management techniques like meditation, mindfulness, or counseling to stay mentally strong. Being in good physical and mental health can significantly improve your ability to handle crises. We are prepared to help you navigate these complex issues with empathy and expertise. By taking these proactive steps, you can protect yourself and your loved ones from the impact of unexpected crises. An experienced estate planning and elder law attorney can help you create a comprehensive plan tailored to your needs, ensuring you are prepared for whatever life may throw your way. We aim to help you feel secure about these things with good estate and long-term care planning. Get in touch with us to chat more about this!
Key Texas Estate Planning Conversations to Have with Loved Ones During the Holidays
The holiday season is a time of joy and connection, often bringing family members together under one roof. As we share meals, exchange gifts, and reflect on the past year, the holidays can also provide a rare opportunity to have important conversations about the future. While estate planning may not seem like the most festive topic, discussing it during this time of togetherness can ensure your family’s long-term peace of mind and financial security. These conversations are not just about dividing assets, they are about ensuring that your loved ones understand your wishes and reducing the potential for future conflicts. Your experienced Texas estate planning attorney can help you better understand and prepare to have these conversations when you are ready. From healthcare decisions to plans for long-term care, the holidays offer the perfect backdrop for meaningful discussions that can strengthen family bonds. When you choose to approach these topics with care and openness, you can make estate planning a gift that provides clarity and comfort for years to come. 1. Talk about your wishes. You can share your thoughts on how you would like your estate handled, from financial distributions to sentimental heirlooms. Communicating these preferences ensures your loved ones understand your intentions and reduces potential misunderstandings later. 2. Discuss healthcare decisions. If you have not already, let your family know about your preferences for medical care and life-sustaining treatments in case of an emergency. Consider naming a healthcare proxy or someone who can make decisions on your behalf if needed. 3. Introduce your estate plan. If you have already created an estate plan, use this time to explain its key components. Share where important documents, like your last will and testament or trust agreements, are stored and who has access to them. 4. Explore future care needs. For older adults or loved ones with special needs, the holidays are a good time to discuss future caregiving plans. Talk about long-term care options, powers of attorney, and how your Texas estate plan supports these arrangements. 5. Encourage family involvement. Inviting your family to participate in estate planning conversations can strengthen relationships and ensure that everyone is on the same page. If you foresee potential disagreements, having this conversation early can help avoid future conflict. 6. Address digital assets. In our increasingly online world, do not forget to discuss digital assets like social media accounts, online subscriptions, and digital files. Make a plan for how these will be accessed or managed. Estate planning is not just about dividing assets, it is also about creating a clear roadmap for the future that honors your values and provides for your loved ones. Discussing these topics during a time of warmth and connection can make the process feel less daunting and more meaningful. If you are ready to start the estate planning process or need to update your documents, working with an experienced virtual estate planning attorney in Texas can provide the flexibility and support you need. From the comfort of your home, you can create a comprehensive plan that reflects your goals and protects your family’s future. We are prepared to help you navigate these complex issues with empathy and expertise. This holiday season, take a step toward ensuring your family’s peace of mind by opening the door to these important conversations. If you are unsure where to begin, we are here to help. We know that effective communication with your virtual attorney is key to a successful legal experience. By following these tips, you can ensure clear, efficient, and secure interactions, making the process smoother and more productive for both you and your attorney. We aim to help you feel secure about these things with good estate and long-term care planning. Get in touch with us to chat more about this!
The Estate Planning Checklist You Need to Review at the End of the Year
As the year comes to a close, many Texans take time to reflect on their achievements and set goals for the future. It is also the perfect time to revisit an essential, but often overlooked, area of life: your estate plan. Ensuring that your estate plan is up to date and reflective of your current goals and circumstances is a key step in protecting your legacy and providing peace of mind for your loved ones. Whether you have recently created an estate plan or it has been a few years since you last reviewed it, the end of the year is an ideal moment to ensure everything is in order. Changes in your personal life, finances, or even Texas laws can impact your plan. We encourage you to use this checklist to guide your review and ensure your estate plan is prepared for the year ahead. 1. Review your last will and testament or trust agreement. You may want to verify that your last will and testament or trust agreement accurately reflects your current wishes. This includes confirming beneficiaries, guardians for minor children, and how your assets will be distributed. If anything has changed, such as the birth of a child, marriage, divorce, or the loss of a loved one, updates may be necessary. 2. Update your powers of attorney. Ensure that your financial and medical powers of attorney are still appropriate. If the individuals named are no longer able or willing to serve, consider appointing new agents who can act in your best interests. 3. Check beneficiary designations. Review beneficiary designations on retirement accounts, life insurance policies, and payable-on-death accounts. These designations override your will, so it is crucial that they align with your estate plan. 4. Evaluate your long-term care plans. If you have developed a plan for long-term care, such as purchasing long-term care insurance or setting up a financial strategy to cover future needs, review it to ensure it still meets your goals and circumstances. If you have not, this may be the right time to meet with your experienced Texas elder law attorney 5. Address tax considerations. With the end of the tax year approaching, it is a good time to evaluate how your estate plan aligns with federal and state tax laws. Texas does not have a state estate tax, but federal laws may impact your estate, especially if you have a high net worth. 6. Organize your digital estate. From online banking to social media accounts, your digital presence is an important part of your estate. Ensure you have created a digital estate plan, including a list of accounts, passwords, and instructions for accessing these assets. 7. Confirm document accessibility. Make sure your estate planning documents are stored securely but are easily accessible to your family or designated representatives. Consider sharing their location with trusted loved ones or your attorney. 8. Schedule your consultation with your Texas estate planning attorney. A yearly check-in with your attorney can help you address any changes in laws or personal circumstances that might affect your estate plan. They can provide guidance on updates and ensure your plan remains legally sound. End-of-year reviews are not just about catching up on paperwork, they are about ensuring your loved ones are cared for and your wishes are honored. By taking the time now to review and update your estate plan, you are setting the stage for a secure and worry-free future. For Texans balancing busy schedules, a fully virtual estate planning attorney offers the flexibility to address these important matters from the comfort of your home. Whether you are updating an existing plan or starting fresh, we are here to guide you through every step. We are prepared to help you navigate these complex issues with empathy and expertise. We know that effective communication with your virtual attorney is key to a successful legal experience. By following these tips, you can ensure clear, efficient, and secure interactions, making the process smoother and more productive for both you and your attorney. We aim to help you feel secure about these things with good estate and long-term care planning. Get in touch with us to chat more about this!
Steps You Should Take When an Aging Parent is Facing Cancer
Facing a cancer diagnosis for an aging parent is one of the most challenging experiences a family can go through. It is crucial to take specific steps to ensure your parent is well cared for and that their wishes are honored. One of the first steps you should take is to ensure they have a current estate plan. To ensure their wishes are respected and to ease the legal process, work with an experienced elder law attorney to develop a comprehensive estate plan. This plan should include a will, durable power of attorney, and any trusts that might be necessary. An up-to-date estate plan can provide peace of mind and reduce the burden on family members during a difficult time. Another essential step is to talk to the family about your parent’s wishes. Open communication with family members is essential. Discuss your parent’s wishes regarding their care, living arrangements, and medical treatments. Topics to discuss include living arrangements, where your parent wants to live as their condition progresses; medical treatments, their preferences for treatments, including end-of-life care; and financial matters, how their assets should be managed and distributed. Documenting these wishes and sharing them with family members can help ensure everyone is on the same page and can prevent disputes later on. Choosing a health care decision maker is another crucial step. This person should understand your parent’s wishes, be willing to advocate on their behalf, and be able to communicate effectively with medical professionals and family members. Selecting a health care decision maker ensures that your parent’s wishes are honored, even if they are unable to communicate them themselves. This designated individual should be familiar with your parent’s preferences for medical treatment and end-of-life care and be prepared to make difficult decisions if necessary. As cancer progresses, the need for long-term care may become necessary. It is important to start thinking about long-term care early on. Consider options such as in-home care, assisted living, or nursing home care. In-home care allows your parent to stay in their home while receiving medical and personal care. Assisted living provides a supportive environment with access to medical care and social activities. Nursing home care offers comprehensive medical care and support for those with significant health needs. Evaluating these options and discussing them with your parent and family members can help ensure that your parent receives the care they need in a comfortable and supportive setting. By taking these steps, you can help ensure that your aging parent receives the best possible care and that their wishes are honored. Working with an experienced elder law attorney and having open discussions with family members can make this challenging time a little easier for everyone involved. We are prepared to help you navigate these complex issues with empathy and expertise. We aim to help you feel secure about these things with good estate and long-term care planning. Get in touch with us to chat more about this!