Your Guide to a Comprehensive Estate Plan Part 1- Planning for Incapacitation

Your Guide to a Comprehensive Estate Plan

Part 1- Planning for Incapacitation

“Do you have an estate plan? You need an Estate Plan.” 

Most individuals, at some point in their life, will be asked this question and likely given some [unsolicited] advice from a friend or family member.  In order to answer this question appropriately, you might be asking what actually encompasses an “estate plan.”

Estate planning is the process of writing down instructions and nominating trusted individuals who will take over for you if something happens.  A comprehensive estate will plan for two main life events: (1) you are alive but unable to make your own business, legal, financial, or health care decisions; and (2) you pass away. By making a comprehensive estate plan ahead of either or both of these live events, you ensure your loved ones will not have the financial and legal burden of going through guardianship or probate to obtain the same authority you could have conveyed with a thorough estate plan. Please remember estate planning is essential for everyone, regardless of age and wealth.

In order to explain all the documents needed for a comprehensive estate plan, we will writing a two-part series as follows:

  • Part I- Planning for Incapacitation.  The documents required to authorize who will make decisions for you if you become incapacitated during your lifetime. 
    • Durable Power of Attorney
    • Healthcare Surrogate
    • Living Will 
  • Part II- Planning for Death.  The documents required to ensure your property is distributed according to your wishes after your death. 
    • Last Will and Testament
    • Revocable Trust
    • Transfer by operation of law such as deeds, joint ownerships, and beneficiary designations. 

Phase 1: The Necessary Documents

1. Durable Power of Attorney (POA)

A Durable Power of Attorney is a legal document wherein you nominate a person to make business, legal, and financial decisions on your behalf. This person is also called your Agent. Your Agent should be someone you trust absolutely, as they may have access to privileged information such as your social security number, bank records, tax returns, and property deeds. 

The purpose of having an Agent is so someone is authorized to make decisions and take action on your behalf. Your agent may need to make payments on bills, sell your house, purchase a handicap-accessible vehicle, or defend you in a lawsuit. We typically suggest having 2-3 backup agents designated. The agent can be a family member, friend, or advisor.

You can learn more about Durable Power of Attorney online at The Florida Bar.

2. Healthcare Surrogate

A healthcare surrogate is a legal document wherein you nominate a person, your “Surrogate,”  to make healthcare decisions if you are unable to make those decisions yourself. Your Surrogate can be a trusted advisor, loved one, or next of kin and should be someone who would make the same healthcare decisions you would make for yourself in similar circumstances. 

Your Surrogate can be the same person as your Agent, who you nominated for financial, business, and legal decisions under the Power of Attorney, but using the same person is not required. Whether these two agents are the same or different people is entirely up to you, particularly but you trust one person to make health care decisions for you but do not trust them with access to your bank account.

Your Surrogate is also authorized to access your privileged health information and medical records. Using this information, your Surrogate can provide or withdraw consent for medical treatment, release pertinent medical records, and permit your transfers between healthcare facilities. 

3. Living Will

A Living Will is a legal document regarding a person’s end-of-life decisions and their preference whether to remain on life support. The Living Will removes the burden of requiring your loved ones to make a decision regarding ending your life; rather, while you are of sound mind, you make your decision known in writing about your desires to remain on life support.

The Living Will is only utilized when the following conditions are met: 

  1. You are both physically and mentally incapacitated and cannot communicate your wishes regarding medical treatment; and
  2. You either:
    1. have a terminal illness, or
    2. have an end-stage condition, or
    3. are in a persistent vegetative state; and
  3. Your treating physician plus a second physician unanimously agree there is no reasonable medical probability your life will be sustained without the breathing and/or a feeding tube.

Upon all three of these conditions being met, a metaphorical clock will be ticking for how long you remain on life support; without direction or a valid Living Will, the medical team will continue to provide life support to you.  Your medical team will seek out the opinion of your next of kin, who will be shouldered with the task of determining the appropriate time to allow you to die naturally.  If you do not want your next of kin to determine the length of the clock ticking, a Living Will will override and control what happens next.

You may choose any length of time to remain on life support once the three conditions above occur. Some people choose to have life-support removed right away, while others may choose a week, a month, or a year. There’s no right or wrong answer. However, we often advise our clients with families who live outside of Florida to give at least 72 hours before removing life support that way far-away families can travel to say goodbye. Particularly in the wake of COVID, after experiencing restrictions in place, you might want to give family a longer time. 

What happens if I do not have documents from Part I:

Without authorizing individuals to act on your behalf in the event of incapacitation, your loved ones must file in court to obtain guardianship. A guardianship is an arduous process to obtain a court order giving your loved ones the right to make decisions for you. The process requires resources like time and money and ensures your family must give frequent updates to the Court on your condition throughout the duration of the guardianship. This can all be avoided with a comprehensive estate plan. 

Regardless of your age, net wealth or occupation, a comprehensive estate plan is essential. Your planning and preparation will save your loved one’s time, money, and emotional strife in what is an already draining situation. If you are considering making a healthcare surrogate designation, power of attorney, or living will, McCart & Tesmer can help. Please call 813-498-2757 or email info@McCartTesmer.com for a free consultation. Stay tuned for our next blog, which will break down Part 2.

Florida Probate Rules And Processes

probate
To the average person, the term “probate,” and its process is a complete mystery. When asked what probate is, a non-lawyer may be able to explain probate is a legal process that takes place after someone dies – but chances are not much more is known than that. In this month’s blog, we break down the definition of probate and discuss the probate process in Florida. 

The following is a brief list of the most common terms found and used throughout the probate process:

  • Probate – The process of collecting a decedent’s assets to pay off debts and distribute assets to their heirs. In Florida, that process is governed by the circuit courts, and, in most counties, one judge is appointed to handle all probate matters.
  • Decedent – A deceased individual.
  • Intestate – When a person dies without a valid last will and testament, the State of Florida declares the property of the deceased “intestate.” Intestate probate is distributed according to Florida’s prescribed order and hierarchy of beneficiaries. 
  • Probate Court – Used to describe the court where the probate matter is administered. 
  • Personal Representative (PR) – A person or entity legally appointed to oversee the distribution of assets from a deceased person’s estate. This term is synonymous with the term “Executor” but Florida uses the term Personal Representative. 
  • Beneficiary/Beneficiaries – An individual or group named in a testamentary document, such as a last will and testament,  to receive a portion of the decedent’s assets.
  • Notice of Administration – A written notice mailed to beneficiaries and other interested parties by the Personal Representative letting the recipients know that a probate was opened. A Notice of Administration is required in Florida and provides specific details on the probate proceedings, such as the case number and court where the probate is pending, and any deadlines to object to the probate and Personal Representative.
  • Probate Litigation – Describes a legal dispute during the probate process. The most common types of probate disputes during a probate include challenges to wills/trusts, legal disputes over guardianship, and challenging or requesting the removal of a personal representative. 

Typically, probate begins shortly after a decedent’s death by filing the decedent’s last will and testament (or “Will”) with the circuit court clerk in the county where the decedent resided. In some cases, a probate may be in a county where the decedent owned real estate. 

In the absence of a valid Will, the State of Florida will declare the estate is “intestate.” Florida has a specific process for determining who receives the decedent’s assets, the entirety of which can be found in Chapter 732 of The Florida Statutes. In instances with no Will, the Court will determine the rightful heirs and who should serve as Personal Representative (PR) based on state law. If the initial documents filed are in proper form, the Court will issue Letters of Administration as proof that the PR is empowered to act on behalf of the estate.

Once qualified, the PR then begins the process of gathering the assets of the estate. The PR is responsible for collecting and managing probate assets, which are those assets that pass to heirs under the terms of the decedent’s Will or by the law of intestate succession if there is no will. The PR is responsible for determining which assets are “probate assets” and which assets were “non-probate assets”. Probate assets must go through the probate process while non-probate assets do not. 

Non-probate assets are those which pass to others by means other than a will or intestate succession. These assets pass directly at the decedent’s death, are not held up in the probate process, and are not subject to paying off debts. Examples include:

  • Jointly titled assets that pass to surviving owners.
  • Beneficiaries of individual retirement accounts, life insurance policies, or other assets that permit a beneficiary designation.
  • Heirs of trusts who hold title to a decedent’s assets before death.

After gathering assets, the Personal Representative must notify creditors by mail and publish the deadline for filing claims against the estate to pay the decedent’s debts. If claims are not filed promptly, they will be barred, meaning the creditor does not get paid. The Personal Representative has 30 days after a claim is filed to object to the claim. If no timely objection is filed, the PR must pay the claim using estate funds. If the PR objects to the claim, the creditor has another 30 days to file suit to have the court decide the claim’s validity. If the creditor’s suit is not filed in a timely fashion, it will be barred and the creditor does not get paid.

In Florida, most beneficiaries are free of inheritance tax, but there are exceptions. Under current law, an estate will not pay estate taxes unless the value of its assets exceeds $12,000,000. However, even if no estate tax is due, the Personal Representative must file the decedent’s final income tax return, covering the year of the decedent’s death from January 1st through the date of death. The decedent is further required to file an income tax return for the estate (form 1041) before the estate is closed, for any year its income exceeds $600. 

After all creditor claims are paid or resolved, the PR must distribute the remaining assets to the heirs. To do so, the PR may be required to close accounts to convert them to cash, sell other assets if the Will directs, or execute deeds to transfer real estate titles to heirs. In addition, the PR must file a final accounting with the court, showing which assets came into the hands of the PR, which debts and expenses were paid, and what bequests were distributed. The PR also must file a petition with the court to close the estate and discharge the PR from further service. If the court finds everything in order, it will issue an order to close the estate, at which time the process is finished.

The probate process typically takes a minimum of 6 months but can take over twelve months, although the timeframe may vary in some cases. Every legal process is different, and seeking the services of competent estate planning attorneys can simplify the process and save you time and money. At McCart & Tesmer, our mission is to serve as Tampa Bay’s leader in Marital Law, Family Law, Estate Planning, and Probate. If you are in the probate process and need help sorting out assets, give us a call for a free consultation today – 813-498-2757.

The Purpose of a Protective Injunction

Protective Injunctions
Today, we break down the legal term “protective injunction” and the scenarios in which they can be obtained. A protective injunction is a court order requiring a person to do or cease doing a specific action. The terms protective injunction, restraining order, and protective order are all essentially synonymous and interchangeable in Florida. 

A defamation trial involving formerly married actors Johnny Depp and Amber Heard just concluded and has raised public awareness of domestic violence. High-profile cases like these may lead to tangible policy change, as the O.J. Simpson case helped shape the 1994 Violence Against Women Act. Perhaps Depp v. Heard will be the next?

Under Florida law, a victim can file a petition seeking a protective injunction for one of the following alleged conduct: 

Types of petitions:

Florida Supreme Court has approved forms for victims to obtain the necessary injunction. 

Steps for getting an injunction for protection against domestic violence:

  1. Go to the courthouse and get the necessary forms.
  2. Fill out the forms.
    1. The Victim must complete and file the petition and necessary forms. 
    2. An attorney may be retained to attend the hearing with the victim after filing.
  3. Make a copy of the forms.
  4. File your case with the county court where the alleged conduct occurred.
  5. A judge reviews your petition.
    1. A judge can outright deny the petition if the facts alleged in the petition do not meet the statutory threshold. 
    2. A judge can grant a temporary injunction for up to 14 days (effective when the temporary injunction is served on the Respondent). A return hearing will be scheduled to determine whether the injunction should be dissolved or made permanent for a specified amount of time. Both the parties must attend this hearing. Failure of the petitioner to appear will likely result in the judge dissolving and dismissing the temporary injunction. Failure of the Respondent to appear could result in the petition being granted or a continuance if the Petitioner requests the same.
  6. Service of process.
    1. The injunction is not enforceable until it is served on the Respondent (the alleged perpetrator) 
    2. The sheriff’s office will serve, so have the alleged perpetrator’s complete physical description, home address, and work address on your petition.

Download Florida Court Forms: https://www.womenslaw.org/laws/fl/preparing-court/download-court-forms

Checklist for litigants seeking a protective injunction: 

https://www.flcourts.org/content/download/216089/file/Checklist_for_litigants_seeking_injunctions.pdf

Fees & Service

There is no fee for filing a protective injunction relating to domestic, stalking, repeat, dating, or sexual violence petition.

Places That Help

  • Florida State Resources:
    • Florida Domestic Violence Hotline: 1-800-500-1119.
    • Advocates and Shelters
      Contact information for non-profit programs and domestic violence shelters where you can find advocates who provide support, safety planning, court accompaniment, and more.
    • Courthouse Locations
      Contact information for civil courthouses.
    • Sheriff Departments
      Contact information for sheriff departments, which, in most states, serve protection orders.
  • Legal Support From McCart & Tesmer:
    • If you have filed an injunction and need representation at a hearing, we can help.

If you believe a protective injunction has been improperly filed against you, you may have legal grounds to have it dissolved or to challenge the court’s ruling through an appeals process. Contact us or call us at 813-498-2757 for a free consultation.

Name Change for Adults & Children – Top 8 Scenarios

Name Change
There are many reasons a person may seek a name change – marriage, divorce, or simply a dislike for their current one! This blog will walk you through the most common cases and introduce you to the name change process. The attorneys at McCart & Tesmer assist clients with the name change process; get in touch with us if you have questions about legal name changes in Florida.

Top Reasons For Name Changes:

  1. Marriage or Divorce – 

There are several paths to take when it comes to name change after marriage,

including:

  • Taking your spouse’s surname.
  • Hyphenating your surnames.
  • Creating a new last name for one or both of you.
  • Taking your spouse’s name legally, but keep your given name professionally.
  • Taking your spouse’s last name and making your given name your middle name.


Similar options exist when finalizing a divorce. Some individuals choose to return to their given surnames, while others prefer to keep their married name to be the same as their children’s. 

  1. Changing Child’s Surname to Mother’s, Father’s, or Stepparent’s –

Various life circumstances can warrant a name change for a child, such as being adopted by a relative or step-parent or a parent getting married.

While a child’s biological parent, adoptive parent, or legal guardian may ask the court for a name change, all other legal parents or guardians must give written permission, known as consent. 

  1. Correcting a Birth Certificate – 

Errors or omissions can occur on a birth certificate, particularly if the birth certificate was hand-written. Frequent errors that occur include misspelling of a name, missing or extra space in a name or an incorrect maiden name for the mother. If the child’s birth certificate was just issued (Florida law requires a birth certificate to be filed within five days of birth with the local registrar), the correct can be quickly caught and made.  However, after this period of time, a court order permitting the corrective birth must be obtained.

  1. Name Changes for Transgender and Gender Non-Conforming Individuals –

Because a person’s name follows them everywhere, people want to feel comfortable with theirs. Often transgender individuals choose to change their first name to one that best aligns with their gender identity.

  1. Aspiration, Spiritual, Religious –
    Some individuals desire to change their name to reflect their beliefs, vocation, or experiences, or to honor their heritage by taking a lost family name.
  2. Dislike of Current Name –
    One of the top reasons people change their name is simply because they dislike it. Whether a person prefers to go by their nickname, middle name, or a different name altogether, legally changing one’s name to the one they prefer is a valid and legal reason.
  3. Simplify – 
    • Spelling or Pronunciation – A name change can eliminate hard to pronounce or hard to spell names.
    • Length of Name- A long first name and second name may not fit on government ID’s (really, it’s happened!)
    • Uniformity of ID – Over time, many people adopt name variations, which can cause problems in official records. Some choose to change their name so that it appears the same on all of their important documents (passport, driver’s license, social security card, military ID, birth certificate, etc.).
    • To Match Their Children’s – Single parents can especially experience difficulty accessing school or medical services if their names do not match.
  1. Branding or to Stand Out From The Crowd – 

Some individuals choose to change their name for notoriety, whether brand recognition or to entertain and/or shock people. 

Entertainers often adopt a stage name and want to make it legal at some point. The same can be true for business professionals who have gained a certain notoriety.


One of our favorite stories of stand-out name change is that of Daniel Knox-Hewson. Hewson, a 23-year-old from the UK, legally changed his name to “Emperor Spiderman Gandalf Wolverine Skywalker Optimus Prime Goku Sonic Xavier Ryu Cloud Superman Heman Batman Thrash.” How is that for distinctive?

Florida Name Change Requirements:

  1. Complete a ‘Petition for Change of Name’ (Minors, Adult, or Family). 
  2. Get fingerprinted for a criminal history background check. 
  3. File the completed petition with the clerk of court and pay the filing fee of $401 (subject to change without notice).
  4. Once your application has been accepted and your filing fee paid, the clerk will set your hearing date. Hearing dates vary significantly between counties. This may be scheduled within days, weeks, or as long as six months away. 
  5. Ask for at least 2-3 certified copies of your name change order so you can change your records with various organizations without waiting for your only certificate to be returned.

No matter the reason, legally changing your name can be complicated, and the requirements vary case-to-case. Once your name change is finalized, you will have additional steps to take, such as getting a new social security card, contacting account holders to change your name, etc. The attorneys at McCart & Tesmer are here to help. For a consultation to discuss your matter, please call (813) 498-2757 or email info@McCartTesmer.com.

Post-Divorce Checklist: 7 Steps for Success After Your Divorce

Divorce
You did it! Your divorce has been finalized. Give yourself a well-deserved pat on the back for surviving that process. Your fresh start is on the horizon. To help you begin your fresh start, we have compiled a checklist of common action items following a divorce.   
  1. Review Your Final Judgment
    • Create a list of the items you and your ex-spouse need to complete 
    • Calendar deadlines for each item that must be met
  2. Close Joint Accounts
    Joint accounts include bank accounts, credit cards, and utilities, and may include removing a spouse from joint real estate pursuant to the final judgment.
  3. Update Insurance Coverage
    • Property Insurance: remove the property you no longer own and add the property you now have
    • Automobile: be sure to remove any vehicles you no longer own
    • Life insurance: update beneficiaries which may include removing your spouse as beneficiary (unless otherwise ordered in your final judgment)
    • Medical, dental, vision, accident
  1. Name Change (if included in your Final Judgment)*
    • Order at least two certified copies of the Final Judgment of Dissolution of Marriage
    • Take a certified copy of the Final Judgment to the Social Security Administration to change the name associated with your social security number
    • Take your new social security card or temporary card to the DMV for your new license
    • Keep a certified copy for your records
  2. Contact Account Holders To Update Your Name:
    • Professional Licenses
    • Bank Accounts
    • Credit Card Accounts 
    • Utilities 
    • Medical records

*Changing a name after divorce can become complicated, and the attorneys at McCart & Tesmer, P.A. are ready to help. For a free consultation to discuss your matter, please call (813) 498-2757 or email info@McCartTesmer.com. Read more about the process in our blog, “Name Change After Divorce.”

  1. Taxes

Schedule an appointment with your accountant or a CPA (a Certified Public Accountant) to determine which filing status is most beneficial to you. Read our blog, 7 Family Law Tips For Managing Tax Season, to prepare for your meeting ahead of time.

  1. Update Your Estate Plan 
    • Remove prior designations naming your ex-spouse
    • Nominate a guardian for minor children
    • Create a trust to control the money that you plan to pass to children to prevent an ex-spouse from receiving and managing funds left to your children

The lawyers at McCart and Tesmer can help you sort out many of the complexities of your family’s restructuring after divorce, from time-sharing and decision-making to child support and everything in between. We can give you the tools necessary for your new journey. For further questions regarding post-divorce plans, please contact us at McCart & Tesmer, P.A.

Managing Tax Season – 7 Family Law Tips

Tax Season

“…In this world, nothing can be said to be certain, except death and taxes.” Benjamin Franklin. Even though Benjamin Franklin’s infamous quote is over 200 years old, the sentiment still rings true today. 

Taxes are inevitable and complicated. Add a divorce into the equation and tax season may become even more complicated.

The first tax season after informally parting ways or legally divorcing can be confusing and full of unknowns. As the tax filing deadline grows closer, questions may arise such as: 

Were there changes to federal tax law that could affect my family?” 

“Is alimony deductible?” 

“Who can claim the children on their taxes?”

“Can we split the mortgage interest deduction?”

The first place to start to answer these questions and any other questions is to seek out a Certified Public Accountant (also known as a “CPA”).  A CPA can take a look at your personal finances and any agreements between the parties to determine which filing status is most beneficial to you.  In order to prepare for the meeting with your CPA,  we suggest preparing to answer or ask the following questions: 

  1. If I’m recently separated, what is my filing status?
    Your marital status on the last day of the tax year determines your filing status.  If your marriage has not been legally dissolved by December 31st of the tax reporting year, you are technically still married and should file as such. 
  1. My partner and I live together, do we have the same rights as married couples? Can we file jointly?
    Unfortunately, no. Only a married couple can file a joint return. The IRS considers cohabiting couples “single” individuals.
  2. If we are unmarried, who claims the children?
    If your divorce agreement does not specify who claims the children, then unmarried couples can choose who may claim each child. However, they can not claim the same child. If you have joint custody, the parent who has the child the greatest number of days during the tax year gets to claim the child as a dependent. If you do not yet have a Parenting Plan (also called a custody agreement) in place, click here to get a free template or contact our office for a consultation.   It is possible to come to an agreement where you will alternate years you claim a child.  If you are alternating years you claim a child make sure you complete IRS form 8332- Release/Revocation of Release of claim to Exemption for Child by Custodial Parent.  This document allows a custodial parent to pass the tax exemption for a dependent child to the noncustodial parent.  You can find this form at https://www.irs.gov/pub/irs-pdf/f8332.pdf
  1. Who can claim Advance Child Tax Credit Payments in 2021?
    While exemptions for dependents ended in 2018, whoever qualifies to claim the child will also potentially qualify for benefits, including: head of household filings status, the $2,000 child tax credit, the $500 non-child tax credit, the credit for child and dependent care expenses, and the earned income tax credit – totaling thousands of dollars in potential tax breaks.  Under the American Rescue Plan of 2021, advance payments of up to half the 2021 Child Tax Credit were sent to eligible taxpayers. If you received advance payments, you can claim the rest of your credit, if eligible, when you file your 2021 tax return. Child Tax Credit is based on whoever claimed the child in the previous filing.
  2. Is child support deductible?
    No. Child support payments are neither deductible by the payer nor taxable to the recipient. This means that when you calculate your gross income to see if you must file a tax return, you do not include child support payments received.
  3. Is alimony (spousal support) deductible?
    Not anymore! Beginning January 2019, alimony or separate maintenance payments are not deductible from the income of the payer spouse or includable in the income of the receiving spouse if made under a divorce or separation agreement executed after December 31, 2018.
  4. Is my property settlement (or property transfer pursuant to a dissolution of marriage) taxable?
    If your property settlement or property transfer is pursuant to a divorce decree, it is not taxable.

Get a head start for the 2022 tax season

Are you looking to get organized for the 2022 taxes season?

Did you know that charitable donations not only contribute to the greater good but can actually lower your tax liability? These donations (of either money or goods) may be deductible!  

Here are some of our favorite charities that give back in a big way!

  • Trevor Project- The Trevor Project is the world’s largest suicide prevention and crisis intervention organization for LGBTQ. Together, as a community, we can support those nationwide and help people know they are not alone!
  • Feeding Tampa Bay- This non-profit is leading the movement to end hunger, rallying our community together to create a healthier, more capable Tampa Bay and beyond
  • Grow Into You Foundation- Show your support by helping foster teens receive mentoring and coaching to give them inspiration and direction!
  • Ukraine Humanitarian Relief-  As the crisis in Ukraine unfolds, donations can make a huge impact in creating relief and recovery efforts for those in Ukraine and neighboring areas.

Click here for a comprehensive guide to charitable contribution deductions.

The attorneys at McCart and Tesmer can help you sort the many complexities of your family’s restructuring, from child support and everything in between. We can help you find ways to ease the discomfort by providing the knowledge and tools necessary for your journey. Visit our website to learn more about our services or call today to set up your free consultation: 813-498-2757.

So We’re Getting a Divorce – But Who Gets The Super Bowl Ticket?

Divorce
It may have seemed like a great idea to purchase sought-after season tickets or coveted end-of-season game tickets with your spouse, but it can get complicated if the marriage goes south before the big game. With the Super Bowl in our rearview for 2022, it makes you think: how would you split a single Super Bowl or World Series ticket in a divorce? 

In our experience, one of the hardest parts of a divorce is dividing property. Florida is an equitable distribution state. This means that in a divorce, the initial presumption is a 50/50 split. While Florida courts shoot for “equitable distribution,” one party may not necessarily receive an equal share. Because there are thousands of scenarios and situations that determine a fair split, there are many rules applied to provide the fairest possible division. When an asset cannot be divided in half and shared by both, the outed spouse may receive a different asset or compensation in exchange. 

This, of course, can be a painful and difficult process that can sometimes turn hostile. You think we’re kidding, but it’s true! There is the case of the divorced couple who had a feud over their season tickets to the world series in 2016. The couple were big Chicago Cubs fans and it had been 71 years since they had made it to the world series. They purchased the tickets before the divorce and now both of them want to be the parent to bring their 12-year-old son to the game. The courts got involved and it got messy. The judge decided that the husband could keep the tickets only if he agreed to also purchase another ticket, somewhere else in the stadium, for his soon-to-be ex-wife at a comparable cost, which at the time was over $3,000. Talk about an awkward game! 

While this is an extreme case, you can see why it is valuable to understand the classifications of marital property in Florida. These categories also apply to all debt incurred before or during the marriage.

Marital Property: Includes any property acquired during the marriage, our ticket dilemma would fit into this category. Vehicles, homes, and even vacations are considered marital property if they were obtained during the marriage. In Florida, these assets are equally split between the spouses in a divorce.

Separate (Non-Martial) Property: Includes any property acquired prior to the marriage, inheritances, and gifts.  In Florida, this type of property is not subject to division unless it is converted to marital property during the marriage (a premarital agreement can prevent this from happening). 

So how can you best prepare for dividing your property? We have 2 main tips to get you started.

  • Prioritize – It is vital to take stock of assets acquired during the marriage and how they were used to decide what is worth fighting for. There may be items that do not mean much to you, like that ratty set of camping chairs, and also items that have deep meaning to you, like a Super Bowl Ticket.  These things should be discussed right away so that the process can move forward.
  • Be Honest – Even though hard feelings are felt by both parties during a divorce, it is never a good idea to withhold information or downright lie about property. Not only can the courts punish active deception like this, without total honesty, your lawyer cannot do their part in protecting and fighting for you. 

Divorce is never easy, but there are ways to prepare yourself for the road ahead. If you are in the divorce process and need help sorting out the division of marital assets, the law office of McCart and Tesmer is here for you. Give us a call for a free consultation today – 813-498-2757

Choosing Guardians of your Minor Child: 6 Considerations

Guardians
We can all agree that raising a child is not simple or easy in any way. Parenting comes with many tough decisions of varying degrees. One of the most challenging decisions as a parent is choosing guardians should care for and raise your minor child if you cannot.  

Often parents designate a caregiver in their Last Will and Testament, which asks that a judge appoint the nominee as a legal guardian of the child. When choosing an appropriate guardian, we suggest considering the following:

  1. Two Guardians or One – When choosing a guardian for your child, you are actually determining two guardians: the guardian of person and guardian of property.  Your nominee can be both the guardian of person and property or there can be two separate guardians. A guardian of the person is responsible for managing the day-to-day tasks a typical parent completes such as the  child’s medical, educational, and residential decisions;  your child will likely live with this person.  The guardian of the property is responsible for managing the child’s property and money.  For example, if your child receives inheritance from a probate or social security death benefits from your passing.  The guardian of property will pay or reimburse the guardian of person for expenses unique to your child such as orthodontics, tutoring, or necessary medical procedures.   It is often helpful to have the same person be both the guardian of person and property; however, some parents choose a person from each parent’s family to ensure the families keep working together and keep both families involved in the child’s life. 
  1. The less disruptive, the better- The first consideration in nominating a guardian, is determining what scenario and who is the least disruptive option for a guardian. Your death will be a massive disruption to your child so the greatest post-mortem gift to provide your child is to minimize the disruption and transition that occurs immediately after you are gone. When choosing a guardian, consider the following: (1) how far your child would need to relocate to live with the guardian, (2) what school they will attend, (3) do you want your child to remain in your home and will the guardian be willing to move (4) does your guardian have children whose lives will also be impacted should your guardian move.  Determining and writing down your child’s needs and your desires to provide the least disruptive option will weigh the considerations which are important to you and disqualify potential guardians who do not align with your goals and needs. 
  1. Age of the Child and Guardian- Different ages require different approaches to parenting.  For example, a teenager may be more independent and have a preference where they would want to live if something happens to you. Having your child join in the conversation may bring comfort to them, knowing that they have a say in the matter and will be taken care of by a trusted family member or friend.   A toddler may require a more hands-on guardian  who will likely be able to care for at least 10 to 15 more years. Will this potential guardian be able to keep up with the high demands of homework, carpools, and kids’ activities of younger children? As children grow, so do their social networks and obligations. Having a guardian who will keep pace with these demands is essential to think about. 
  1. Talk it out and write it down- The best practice when it comes to choosing a guardian for your minor child is to plan ahead and years down the road. Have those tough conversations now and have those conversations with your potential guardians.  Will your guardian be willing and able to step in?  How old will your guardians be in 5 years, 10 years, or even 15 years? Do the guardians understand the potential responsibility.  Do not make your efforts futile by choosing a guardian who does not want to or cannot take over. Once you have a guardian(s) selected and approved, write it down.  Once you have their approval, be sure to reduce it to writing. Contact your estate planning attorney to update or draft your Last Will and Testament to reflect your newly chosen guardian. 
  1. What resources are available-  There will be a cost associated with raising your child which may fall on your guardian of person if social security death benefits are insufficient to cover costs.  You can provide for any inheritance, including life insurance, retirement accounts, and real estate, be made available to cover any deficiency between benefits received and the expenses of your child.  You will want to consider if your child and the guardian remain in your residence, will there be resources available to continue paying for the mortgage or rent?  Should the house be paid in full first to free up resources for other items like groceries, clothes, and extracurricular activities? With a properly drafted estate plan, you can plan ahead with the resources you intend to have to maximize the funds available for your child and minimize any financial burden on your guardian of person. 
  1. Consider a backup Guardian- There is always the chance that the guardian cannot fulfill their obligations as your child’s guardian.  In this case, you should consider selecting a backup individual to step in if necessary. This guarantees that even if your initial plan falls apart, your child will still be taken care of by a responsible party of your choosing.  

Your death will undoubtedly create an emotional hardship on your child, particularly if your child is a minor.  Our time with our children is not promised but we can promise that we have properly planned for a “Plan B” if our “Plan A” is disrupted. At McCart & Tesmer, we are ready, willing, and able to help you make your “Plan B” to give you assurance and comfort knowing your child will always be well-cared for. 

Paternity in Florida

Having children and growing your family is not always what the cinema makes it out to be. It is not always romantic, and it certainly does not run as smoothly as it may be portrayed. While it can be incredible, it can also be messy – and let’s admit it, life can be messy. But while it is definitely a blessing to have children, and quite honestly the biggest adventure of your life, the act of having children can be… well, a little interesting. 

Regardless of your relationship status (complicated marriage, unmarried, or basically a relationship built on a crazy night out with the man you swiped right on the night before) there are several legal factors that go into what determines the paternity of your child and the legal rights of the father. Before we get down to the nitty-gritty, let’s touch on what paternity actually means. 

According to the Merriam-Webster dictionary, paternity is “the quality or state of being a father.” A paternity action is the legal proceeding that establishes the rights and obligations of the child’s father. These proceedings determine the legality of the father on a state level. This legal acknowledgment of paternity can potentially help you (the mother) petition for child support. 

That’s correct, ladies! This blog is all about who is legally recognized by the state of Florida as the father of your child. Now, we understand that you are probably thinking that the father of your child must be who you had relations (ahem… sex) with. Correct? Well that is not entirely true.

Determining The Father

Determining the paternity of the father can be broken down into two categories. The first, according to the state of Florida, is determined by if a woman gives birth and is married. This means that the legal father of a child is her husband. The second category of paternity is determined by going to court and petitioning to establish paternity with the state. But what happens when you are not married or had a child with someone other than your husband? Ooops! That got complicated…

Let’s start with the basics. In many states, including Florida, there are two types of paternity – legal and biological. That’s it, folks! That’s the tea. Let’s dive in.

Biological Father

For the most part, a biological father is pretty self-explanatory. The biological father is the man whose DNA is shared with the child. In the state of Florida, unless you are unmarried at the time of birth, there is no further action required. When married and giving birth, at least here in beautiful sun-kissed Florida, the biological father has shared rights with the mother, even if they divorce after giving birth.

This is where it gets cute. IF you are unmarried from the biological father at the time of birth, the state will NOT recognize them as a legal guardian of your child. Even though there is shared DNA, the State of Florida still requires you to petition for paternity. According to Florida statutes, the biological father can petition for paternity anytime between birth through the child’s 18th birthday. These petitions of paternity are typically determined through a genetics test.

With that, if you are unmarried and have an amicable relationship, the earlier you petition for paternity, the easier the process will be.    

Legal Father

In the state of Florida, the legal father of a child is recognized as the person who is legally responsible for the child. This person can be the biological father, an adoptive father, or even a close friend. Realistically, it can be anyone that the courts deem as the “legal” father.

This specific father has the same rights as the mother regarding custody, how the child is raised, time-sharing, and much more. In the case of divorce, regardless of whether the legal father is biological or not, you should still prepare for a custody battle because the state of Florida will see them as a legal party.

In either category, you will need to take the appropriate steps to establish the legality of your specific paternity case. People often assume that the name listed on the birth certificate at the time of birth is the legal paternal father. Unfortunately, that is not the case. During a petition for paternity, the courts will and can overturn the birth certificate. Yikes! 

Rights of the Mother

Just like any other family law case, both parties involved have a path to maneuver. If you are a single mother or your child was born out of wedlock, you automatically have full rights and custody of your child. The state of Florida tends to lean on the side of the mother, and in any court case, this gives you the upper hand. However, if you are not capable of taking care of the child on your own the Florida Department of Revenue can issue a court order to petition for paternity – especially if a mother requests government assistance.

On the flip side, if the father denies paternity, won’t sign the appropriate affidavit, or ceases communication with the mother, the mother still has options. And we like options… The mother in turn may file a court action to establish paternity. If the father does not comply, he may risk being held in contempt of court. This can lead to high fines and potential criminal charges. Once the court adjudicates the father’s paternity, the mother is entitled to retroactive child support in Florida.

Why is Establishing Paternity Important?

Establishing paternity helps you and your child navigate the intricacies of life a little easier. From child support to medical history, having an understanding of who the legal father is can help all parties. Here’s how:

  1. Financial – If you are a single mom, it can be hard to plan for your child financially. With a legal settlement with the legal father, you will be able to collect child support.
  2. Inheritance – If the legal father passes away, your child will have the opportunity to collect their benefits like social security, disability, Veteran’s benefits, and life insurance. 
  3. Medical – Establishing paternity of the biological father can help your child understand their medical history from both sides.
  4. Insurance – If the legal father can pay for health insurance, the child would be able to receive coverage through either parent. 
  5. Identity – Representation and self-identity are essential. Allowing your child to know their legal father helps them have a better understanding of themself.
  6. Relationships – No matter your feelings towards the father, your child has the right to build and establish a healthy relationship with the other parent. 

That was a lot, and we barely touched the surface. Navigating through paternity cases can be as straightforward or as complicated as either party makes it. There may be further complications if other variables are involved, like sperm donors or an attempt to disestablish their paternity. Don’t you worry, we’ll cover those situations a different day!

Hiring competent and trustworthy lawyers that possess a little flare and a little sass is critical to any family law case. For over fourteen years, Kristi McCart and Laurel Tesmer have served the Riverview, FL, and surrounding Tampa Bay areas in Marital and Family Law. If you are seeking representation and want honest answers as a team who will fight for you, you’ve come to the right place. 

Give McCart & Tesmer a call today at (813) 498-2757 or click here to drop a line and schedule your free legal consultation today.

Now go forth and be wild… but not too wild because you know, paternity! 

4 Vital Co-Parenting Tips for Military Deployment

Military Deployment
Timesharing is hard enough when both parents are physically present, so imagine what it is like to have one parent far, far away. This is the reality for thousands of families in America when their co-parent is on military deployment to another country or American territory. Sometimes a family will only get a week’s notice before the deployment date. So, learning what to do long before anyone receives orders to mobilize is definitely our recommended course of action. McCart and Tesmer want to share a few tips on co-parenting plans for military deployment. 

Coping with Deployment is Tough for Kiddos

When a parent leaves on deployment, it can be very confusing for kids. This goes double for ones aged younger than 10. Your child will likely need time to adjust to their new reality and they might feel a little confused about what exactly is happening. The most important thing to do if your co-parent deploys is be as transparent as possible about timelines and the co-parent’s whereabouts. This will help make the situation less abstract, and the more concrete it feels, the easier a kid can digest what’s happening. Here are a few tips to guide your child through that process:

  1. Talk about the parent that is deployed. You can share memories with the kids or go to your co-parent’s favorite place and make an afternoon of it. You could recreate a special dish they make or you could coordinate calls with the deployed parent. Whatever you do, do your best to ensure the child feels that co-parent’s love.
  1. Take note of behavioral changes. If they are toddlers, they might throw fits and tantrums or act out in other ways in response to the co-parent’s departure. Pre-schoolers might have lapses in thumb-sucking, toilet training, or emotional regulation. Teenagers might become distant or angry. It’s likely for any school-aged child to perform differently academically and behaviorally in school. Do your best to notice any changes in your child; the earlier you can help them, the better.
  1. Reassure them about safety. No matter how old or young, your child will likely understand to a degree that deployment can be dangerous. Tell them they are safe with you and the trouble is far away. If they seem concerned about the co-parent’s safety, make them aware or remind them that the military has strenuous training to prepare for deployment. The situation won’t last forever, and your child will need to hear that.
  1. Create a coping strategy with them. This one is a little tricky as each child will have different needs. A safe space could be talking with their siblings, a therapist, or you. Coping could be an activity they can access to calm them down like physical movement (dance, sports, ect) or simple meditation. Consider any groups or resources in the area like Military Kids Connect, which provides age-appropriate resources for kids during the deployment process. Again, this tip is easily the most fluid because the right solution will differ depending on age, finances, family structure, and the child’s emotional regulation process. Talk to them about their needs and prioritize their feelings when you plan for the length of deployment. 

We have years of experience with the needs of families who are serving or retired from the military. Please visit our website for all family law-related issues if you’re interested in learning more. Our law firm at McCart and Tesmer is well versed in all types of family law, including special needs children, estate planning, and much more. If you need legal expertise, get in touch with us today to set up a free consultation!