The trust is a very popular component and tool to be used in our Estate Planning. However, there is a variety of vastly different Trust options to be used and the question arises: “Am I using the right Trust for my needs and goals?” Often used Trusts include: Living Trusts, Testamentary Trusts and Irrevocable Trusts, each serves a different purpose, each has a different result. One common problem that often needs addressing is the over-utilization of the Living Trust for goals or problems that it does not resolve. For example, “Does my Living Trust protect my assets against Medicaid and the nursing home?” The answer is probably not. The Irrevocable Trust and the Testamentary Trust each have their strengths and weaknesses as well. We will clearly define the strengths and weaknesses of these different types of Trusts and when to use them. Explore your goals and wishes to see where they fall in the realm of Trusts. Class encourages questions and we hope to provide answers that will set your mind at ease or assist you in the decision making in this area. Instructor: Steven J. Ledin Attorney Ledin Law PLLC 8971 33rd Street N Lake Elmo, MN 55042 (651) 714-8388 (office) (651) 714-9379 (fax)

This class covers common pitfalls, misconceptions and just plain bad information out in today’s marketplace. We will discuss and provide detailed information on the tools and strategies to ensure: (i) a peaceful transition between generations, (ii) a clear understanding of tax implications of your choices, and (iii) the best methods to protect your hard-earned assets. Attending this class will help you gain valuable insights and experience to make informed decisions for you and your family’s future. All questions are welcome in this open-room presentation. Instructor: Steven J. Ledin Attorney Ledin Law PLLC 8971 33rd Street N Lake Elmo, MN 55042 (651) 714-8388 (office) (651) 714-9379 (fax)

The trust is a very popular component and tool to be used in our Estate Planning. However, there is a variety of vastly different Trust options to be used and the question arises: “Am I using the right Trust for my needs and goals?” Often used Trusts include: Living Trusts, Testamentary Trusts and Irrevocable Trusts, each serves a different purpose, each has a different result. One common problem that often needs addressing is the over-utilization of the Living Trust for goals or problems that it does not resolve. For example, “Does my Living Trust protect my assets against Medicaid and the nursing home?” The answer is probably not. The Irrevocable Trust and the Testamentary Trust each have their strengths and weaknesses as well. We will clearly define the strengths and weaknesses of these different types of Trusts and when to use them. Explore your goals and wishes to see where they fall in the realm of Trusts. Class encourages questions and we hope to provide answers that will set your mind at ease or assist you in the decision making in this area. This class is online. You will get an email from the instructor with a zoom link. Steven J. Ledin, Attorney Ledin Law PLLC8971 33rd Street NLake Elmo, MN 55042 (651) 714-8388 (office)(651) 714-9379 (fax)

How To Pay For The Nursing Home: An Attorney’s Perspective The biggest fear for most baby boomers is how to pay for the nursing home and still leave an inheritance for the next generation. We will walk through the following questions and more including: How will I meet my nursing home goals? Is Long Term Care Insurance for me? What about home healthcare? Should I gift my money away? Would I qualify for Medicaid? What about my current Trust, does it protect my assets and avoid the nursing home? What is the 60-month claw back? What if my spouse goes into the nursing home and exhausts our money? Get the answers to these and other questions and learn how to create an effective plan to deal with these uncertainties. This class is via ZOOM. You will get an email from the instructor with the link. Instructor: Steven J. Ledin Attorney Ledin Law PLLC 8971 33rd Street N Lake Elmo, MN 55042 (651) 714-8388 (office) (651) 714-9379 (fax)

10 REALLY IMPORTANT REASONS THAT YOUR PARENT’S ESTATE PLAN IS IMPORTANT TO YOU In this class we will take an in-depth review of many issues (and problems) that may be faced from our parents estate plan (or lack thereof) such as: creating a difficult Probate, loss of assets to the Nursing Home, fighting amongst the children, senior care issues, guardianship, privacy, the continued life of the surviving parent, estate tax protection, fairness and equality, legacy assets and the flow of critical information between the generations. With our 30 years of experience, we will discuss actual Minnesota examples of all of the above challenges and how they can be avoided in advance with some simple planning and exchange of information. All questions will be answered in an open and friendly forum. Instructor: Steven J. Ledin Attorney Ledin Law PLLC 8971 33rd Street N Lake Elmo, MN 55042 (651) 714-8388 (office) (651) 714-9379 (fax)