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Estate Planning

Estate Planning 101 Wills vs Trusts

By | Estate Planning, Legal Education, Trustees, Will | No Comments


Your estate plan should accomplish some extremely important things, including protecting you, your assets, and your loved ones both now and in the future. Given everything your plan can, and should, do for you and your loved ones, you may not know where to start to ensure that your finished plan works as intended.

If you die without an estate plan, your estate will be subject to intestacy laws in your state and likely have to go through the process of probate in court. The division and distribution of your estate will be subject to a predetermined formula. For many, the state’s distribution plan is vastly different from how they would have chosen to distribute their assets themselves. The following explanations provide a basic understanding of the difference between planning with a will versus a trust.

Planning with a Will. A will is one of the most basic and commonly used estate planning tools. Simply put, a will is a legal document that directs how your assets should be distributed when you pass away. It also nominates who should serve as the guardian of your children. A will is only effective at death. Upon passing away, a personal representative (also known as an executor), that is named in your will, manages the distribution of the estate to any beneficiaries named, however, the distribution of the assets is overseen by the probate court.

A probate is necessary when a person dies, who owned assets that were in the decedent’s name only, with no pay-on-death or transfer-on-death beneficiary listed. In this situation, a probate court is the entity that grants authority to someone living, the ability to access, manage and distribute the assets of the deceased person.

Another consideration when planning with a will is that a will does not provide any lifetime planning, an increasingly important consideration now that Americans are living longer. Who will help make financial and medical decisions if you become incapacitated are important decisions to have in place before they are needed. Of course, passing away with just a will expressing one’s final wishes is much better than dying with no plan at all.

Planning with a Revocable Living Trust.  One of the most comprehensive estate plans is the revocable living trust. A trust is often a better way to give your family faster, unfettered access to the funds they need. A living trust is set up in such a way that the trust owns the assets to be left to the beneficiaries, thereby avoiding the need for probate.

Upon the death of the original trustee or co-trustees, the successor trustee becomes responsible for the management and distribution of the trust assets. Like the personal representative of a will, he or she is required to manage and distribute the estate strictly according to the terms of the trust.

A trust can provide asset protection for surviving spouses and children, and other named beneficiaries, so that the assets that you spent a lifetime accumulating are not squandered in a lawsuit or part of a divorce.

A trust also provides for administration during incapacity, so that successor trustees can have access and authority over the trust assets quickly and avoid the need and cost to go to court.

At Morris Hall, our only focus is on estate planning and we are passionate about helping families and individuals accomplish their estate planning goals to ensure that hard earned assets are passed to the intended beneficiaries with the least delay possible. Get started today by contacting Morris Hall and scheduling a complimentary consultation to review or begin your estate plan.

Cat and dog sleeping together. Morris pet trust estate planning.

Pet Trusts: An Often Overlooked Part of Your Estate Plan

By | Estate Planning, Pet Trusts | No Comments

Why a Pet Trust?

Pet trusts are becoming more and more utilized in today’s world.  As the birth rate goes down, the ownership of little dogs, weighing less than 20 pounds, has substantially increased.  We are seeing this trend across the country, beginning around 1999.  If you are the owner of a pet of any shape, size, or kind, you know that these furry creatures wiggle their way into your heart and become like family- so much so, that many employers offer bereavement leave when pets pass away.  Many stores now offer an entire collection of urns for pets and pet owners drop thousands of dollars at the vet every year for medical procedures for these beloved creatures.  For these reasons and more, Morris Hall estate planning services many clients in the Arizona and New Mexico area.

We all have those friends that have pets that eat and live an overall better lifestyle than do most human beings.  For example, some individuals are never able to have children of their own and many make it a life’s passion to give their fur babies the best possible life.  Some of these animals have spa days each month, have trainers and sitters that come to work with them each week and eat like royalty.  Though an extreme example, many of us have very close attachments to our pets, and when they pass, it’s like losing a loved one.  

Pet trusts are important.  Pet owners want to be sure that their cats, dogs, and birds are cared for in the event that they pass away and that their beloved pets do not end up at a shelter or on the streets.  This is not something that just the rich and famous are doing.  Plenty of every day people have added pet trust to their estate planning.

Seek a Pet Trust Expert

Morris Hall estate planning experts are a fantastic and reliable resource when it comes to setting up a trust.  Morris Hall helps you determine how much money to set aside for your pet’s future care, in the event that you pass away, for things like food, grooming, boarding, medical care, etc.  Morris hall can also help you identify the right person to act as Trustee of the Pet Trust.  If you are to move out of state, they are also experienced with transferring trusts.  

Morris Hall is a premier estate planning firm and services a wide range of clients.  As members of the AAEPA (American Academy of Estate Planning Attorneys) access is had too many advantages and benefits other attorneys cannot provide.  Qualified and experienced, Morris Hall is able to handle the most complex of financial matters and would love to visit with you, to see how your plans can be put into action.  Whether it be living trusts, income-only trusts, and many others, the goal is to help you find the best possible solution that is catered to your individual situation, while employing a strategic plan to defend and protect your assets.  Schedule a consultation with Morris Hall today.

Last will and testament, an important estate planning document.

How Does a Will or Trust Work?

By | Estate Planning, Living Will | No Comments

Regardless of your age, if you have dependents, you should look into creating a will, a trust or both. Putting those measures in place can help ensure your loved ones are not burdened with sorting out your financial affairs in the event of your death. Additionally, it can help offer stability for those you leave behind.

But how does a trust or a will work? Do you need one or both to get your affairs in order? First, let’s talk about what each of these legal transfer methods entails.

What’s the Difference Between a Will and a Trust?

In case you’re not already familiar with the differences between a will and a trust, we’ll highlight that below.

What is a Will?

Probably the biggest takeaway of a will is that it goes into effect only after you die. With a Morris Hall estate planning representative, you will designate someone as the executor, who will be the person in charge of carrying out the instructions in your will. Be sure your will gives the executor access to your financial accounts and records so they can seamlessly take control of your assets. 

If you are the parent/guardian of minor children at the time of your death, your last will and testament will ensure a new guardian is assigned to care for them. Making this decision before anything happens to you can help ease the stress of uncertainty for your loved ones, as there will be no question regarding who will take on that role. Additionally, your will can list beneficiaries, or recipients, of any heirlooms or sentimental belongings you possess.

A will is also an effective way to detail your funeral arrangements so loved ones do not have to make those decisions during their time of mourning. Since your financial status may change throughout your life, or simply your tastes and desires, it is recommended you periodically revisit your will to ensure it is up to date with your wishes. 

What is a Trust?

It might sound like a will covers all your assets, and a trust isn’t something you need to establish as well. At Morris Hall, however, we recommend having both! One of the biggest differences between a will and a trust is that a trust can be put into effect while you’re still living. There are myriad trusts one can set up, but we’ll outline two of the most common.

  • Living Revocable Trust - While you are still living, you can have a trust set in place. In the event you become incapacitated in any way (illness, injury, etc…), your trust names a successor trustee. This person becomes responsible for making decisions on your behalf. The successor trustee has the trust to refer to in order to help them be informed of your wishes if you are unable to communicate them yourself. Additionally, if you do end up passing away, the successor trustee maintains control of your assets without any disruption, or period of probate. When you set up a revocable trust, you have the power to make changes at any time.
  • Income Only Trust - Another common form of trust is the income only trust. When considering your estate planning with Morris Hall, you may benefit from this type of trust if you need to preserve your assets and maintain access to the income they generate. There can be a lot to understand in this trust and as AAEPA members, Morris Hall is ready to help you sort the details.
  • Probate - A trust is typically a way for eventual beneficiaries, or recipients, of the trust to avoid legal proceedings after your death. With a trust in place, the successor trustee usually has immediate power over your estate and can take the necessary action to transfer your assets to the beneficiaries. Avoiding probate is ideal for those who wish to maintain privacy regarding their estate.
  • Special Co-Trustee - Another element of a living revocable trust is a special co-trustee. This person can help facilitate the management of the trust. In the event there are disagreements about the terms of the trust, the co-trustee has the authority to act as a mediator or to make final decisions. To remain impartial, it is recommended that a special co-trustee is not someone related to you, or to any of your beneficiaries.

We understand it may be uncomfortable to have these conversations now with loved ones, but making will and trust decisions well in advance of your death is one of the best gifts you can give. Your beneficiaries will be grateful they have less to worry about at the time of your passing, as you will have provided clear instructions for not only your funeral but anything of value as well.

Stepped-up Cost Basis Going Away?

By | Election, Estate Planning | No Comments

Historically in a presidential election year, tax topics are widely discussed and debated between opposing candidates. This year is no different. The candidates have varying views when it comes to the tax planning strategy of stepped-up basis. The elimination of stepped-up basis would result in a significant increase in estate taxes for millions of Americans.

 What assets are affected?

Stock portfolio or real property.

What is Cost Basis?

The amount of an asset when purchased. For example, in the year 2000 Sally purchased a house for $100,000. The basis in the house is $100,000.

What is Stepped-up Cost Basis?

An inherited asset at its current market value as opposed to the basis of the person they inherit the asset from. For example, Sally dies in 2020 and the house is worth $300,000. Sally’s heirs will inherit the asset at the current market value in 2020 ($300,000) as opposed to the basis of when Sally purchased the house in 2000 ($100,000).

What does this mean with Stepped-up Cost Basis?

When Sally’s heirs turn around and sell the house after she passes, their basis is at $300,000, wiping out the capital gain tax that would have been imposed on the gain. (Gain = Sale Price – Cost Basis)

What does this mean if there is not Stepped-up Cost Basis?

When Sally’s heirs turn around and sell the house after she passes, their basis is at $100,000, with results in a gain of $200,000 that will have a capital gains tax imposed. The current top tax rate is 20%, with a proposed top tax rate similar to the ordinary income tax rate (39.6%) on the gain.

One of the additional proposed modifications to the step-up in basis of an appreciable asset, is the gain could be taxed not only if an appreciable asset is sold, but also would automatically be triggered by simply inheriting this type of asset.

The year 2020 will go down in history as one of the most challenging years for American people due to the financial impacts of the Corona Virus. These proposed changes to appreciable assets will have additional financial impacts on millions of portfolios and next generation transfers. If this tax on unrealized gains happens, people will need to rethink their investments and estate plans. Now more than ever, it’s time to rethink investment strategies and have an estate plan created or have an existing estate plan reviewed immediately.

Election Results Still Unknown - Estate Planning Scenarios for Each Candidate

By | Election, Estate Planning, Financial Planning | No Comments

The election happened November 3rd!  There are millions of ballots cast, but the outcome is yet to be determined. 

With any election, but more so with this one, many Americans are wondering how they will be affected. There are significant differences with each party’s platform including significant changes in tax laws.  Tax changes will affect every family’s estate and financial plan.

The Democratic Party’s platform includes expansion of several renewable-energy-related tax credits. The Republican Party’s platform includes U.S. energy independence, safeguarding the cybersecurity of the national power grid and other critical infrastructure, and deregulation to ease the process of planning and construction. These are not the Parties’ only planks in their respective platforms, just some of many proposals if their side should win.

So how does this affect your estate and financial plan? On the surface if Biden wins, investors could potentially see a spike in investments around the green new deal. If Trump wins, a spike in stocks dealing with construction and infrastructure are likely. Investors are projecting a potentially volatile market.  The outcome will provide markets some clarity, but since mail-in ballots take more time to collect and count, the volatility may persist beyond election day.

Join Charles Randall from Clark Street Financial and Lisa Wynn from Morris Hall as they discuss the impact on your financial and legal plan after the results of the election are announced.

Estate Planning after the Presidential Election

By | Election, Estate Planning | No Comments

I often meet with families because of an important life changing event (marriage, death, birth, special needs, etc.). These common events provoke families to start thinking about their demise and how to best leave their legacy to their loved ones. Another event that typically triggers families to discuss their estate plan is during an election year. As we know this election year has been coined has an election year that will go down in history. Across party lines there are differing views on topics of future income tax rates, capital gains tax and estate tax. Regardless of who is in office in January 2021, there is no better time than now to review your estate plan.

One such tax that has received a spotlight during the presidential race is the federal estate tax, or otherwise known as the ‘death tax.’ The current federal estate tax exclusion amount is $11,580,000 per taxpayer, or $23,160,000 for a married couple (indexed for inflation). The current exclusion is set to expire at the end of 2025.

For some reading this, you might think that the federal estate tax will never be imposed on your estate after you pass away. Depending on who is elected President, this exclusion amount may be drastically reduced, thereby imposing a death tax on a greater number of estates.

Here is a glimpse of how the exclusion amount has changed over time –

                Year                                       Exclusion Amount

1987-1997                            $600,000

2006-2008                            $2,000,000

2009                                       $3,500,000

2010                                       Unlimited

2016                                       $5,450,000

2020                                       $11,580,000

Regardless of who will be the President for the next four years, it is important that you have your estate plan reviewed. There are important tax planning strategies through a properly drafted estate plan to help mitigate the devasting impact a death tax can have on your family.

Estate Planning Must-Haves With COVID-19

By | Estate Planning, Healthcare documents | No Comments

COVID-19, social distancing, and sheltering-in-place brought new changes to our perspectives and the need to re-evaluate current estate planning documents (or lack thereof).  What many people don’t realize is that there are a couple of must haves for everyone, not just clients, with COVID-19 that everyone should know about and consider implementing now.  With those thoughts in mind, let’s look at these must haves.

  • Immediately review healthcare documents.

Everyone, particularly those age 60 and over or with a chronic underlying condition should immediately review their healthcare-related documents including: living will, DNR, healthcare proxy (a.k.a. healthcare power of attorney), and HIPAA release.  Additionally, everyone should immediately consider these documents for themselves if they do not have them.

Attorneys and advisors understand the need to have current documents reflecting the client’s current wishes, and an agent capable of and willing to act in addition to successors.  Apart from the obvious concerns, there are several critical issues with respect to these documents that may warrant immediate revision of these documents for many clients. These issues are specific to the current circumstances of the Coronavirus pandemic.

  • Consider changes to your document if the agent cannot be present.

Prior to COVID-19, very often an agent would physically be in the hospital or medical provider with the healthcare proxy in hand with the individual appointing them going into the hospital. Now, with social isolation and quarantines, physical presence might be impossible.

Consider adding language to all healthcare related documents where the client executing the healthcare power of attorney or proxy expressly authorizes the agent to direct medical providers by telephone, Skype, Zoom, FaceTime, email and other manner of communication.  COVID-19 is an unprecedented situation that is not contemplated in many of the forms and documents currently in use.  Adding this language should help the agent more effectively act and interact with the medical providers.

  • Review intubation prohibitions in health care documents.

Often, standard documents and forms include an absolute prohibition of intubation.  This can prove fatal if that person contracts COVID-19.  In most cases, clients’ intentions when signing these documents was that if they are in a terminal condition and there is really no hope of survival they do not want to be “hooked up to a bunch of tubes” while being kept artificially alive.  People over age 60 or with an underlying medical condition such as diabetes or COPD who contract the virus it would almost assuredly want to be intubated if it meant they would survive COVID-19.

Consequently, many people age 60 with COPD or diabetes might be very likely to survive COVID-19 if they are intubated. This situation differs from those contemplated in many living wills and other healthcare documents.  People with documents barring intubation in all circumstances should immediately revisit those documents and execute new documents that (1) expressly superseding the old documents, and (2) contain more reasonable intubation language are based upon the current circumstances.

As you can see, these must haves apply to everyone, and can help families and those affected with COVID-19 more effectively make health care decisions and obtain care.   As we’ve mentioned previously, hopefully, this “Brave New World’ is temporary, and we can all get back to our regular lives.  These must haves will allow more effective health care decision making in any event going forward.


Phoenix estate planning attorney

Why Should I Execute an Advance Directive?

By | Estate Planning | No Comments

Phoenix estate planning attorney

A well thought out and properly drafted estate plan can go a long way toward protecting you and your assets while you are alive along with providing for the distribution of your estate after you are gone. Furthermore, it can provide you with the peace of mind that comes with knowing your wishes regarding end of life medical treatment will also be honored through the use of advance directives. A Phoenix estate planning attorney at Morris Hall PLLC explains why you should execute an advance directive.

What Is an Advance Directive?

An advance directive is a legal document that allow you to plan and make your own end-of life wishes known in the event that you are unable to communicate those wishes at some later time. State law dictates which type of advance directives are recognized in a particular state; however, there are three types of commonly used advance directives that might be recognized in a particular state, including:

  • Living Will – lets you state your wishes about medical care in the event that you develop a terminal condition or are permanently unconscious and can no longer make your own medical decisions. Your Living Will may control or guide your Agent's decisions regarding your health care treatment.
  • Health care power of attorney – allows you to appoint an Agent to make decisions about your medical care—including decisions about life sustaining treatments—if you can no longer speak for yourself.
  • Do not resuscitate order (DNR) – instructs emergency responders to not use lifesaving treatments or tools to resuscitate you if you are found, outside a medical facility, and you are not breathing.

Reasons to Execute Your Advance Directive

In case you need any additional incentive to incorporate an advance directive into your estate plan, consider the following five reasons you need one:

  • Maintaining control -- In the absence of an advance directive, someone not of your choosing could end up making critical health care decisions for you.
  • Preventing litigation -- Without an advance directive in place, your loved ones could wind up in a costly – and ultimately divisive – court battle over the right to make health care decisions for you.
  • Ensuring that your wishes are honored -- If you have strong beliefs about receiving life sustaining medical care at the end of your life, the only way to ensure that those beliefs will be honored is to have an advance directive in place that legally requires them to be honored.
  • Making things easier on loved ones -- No matter how often you have discussed the matter, your close loved ones may genuinely not remember what your wishes are regarding end of life medical treatment given the stress they are under. Moreover, if you do not wish to receive life sustaining treatment or care, your loved ones may not be capable of following those wishes because they do not want to let you go. In that case, only an advance directive can override their wishes.

Contact a Arizona or New Mexico Estate Planning Attorney

For more information, please join us for an upcoming FREE seminar. If you have additional questions or concerns about executing an advance directive, contact an experienced Phoenix estate planning attorney at Morris Hall PLLC by calling 888-222-1328 to schedule your appointment today.

Where Should I Store My Estate Planning Documents?

By | Estate Planning | No Comments
Multiple rows of filing cabinets in an office or medical establishment, overflowing with files. Narrow depth of field to emphasize the "neverending" feeling


You have undoubtedly heard from friends and family members all about the importance of creating an estate plan – putting a Will or Trust in place. You listened and you are finally going to make your estate plan a reality. One thing no one explained though, was what to do with your estate planning documents once they are complete. Like most people, you probably keep other valuables in your safety deposit box, making that an obvious choice. The Arizona and New Mexico estate planning attorneys at Morris Hall explain why your safety deposit box is not the best place for your estate planning documents.

What Documents Are Included in Your Plan?

The estate plan you create should be as unique and individual as you are. Nevertheless, there are some common components, strategies, and documents that are frequently found in an estate plan, including:

  • Last Will and Testament
  • Trust agreement
  • Power of attorney
  • Life insurance policy
  • Advance directive

In many cases, an original copy (meaning one with an original signature in ink) of the document in question is required in order for the document to work as intended. For this reason, your estate planning documents should be kept together in a safe place. Understandably, the first place many people think to store their estate planning documents is in their existing safety deposit box. After all, that’s probably where you keep valuable jewelry, deeds to property, stocks and bonds, and other valuables. At first glance, it makes perfect sense to put your estate planning documents in your safety deposit box as well. On closer inspection, however, your safety deposit box is not the best place for your estate planning documents.

Your Safety Deposit Box

To understand why putting your estate planning documents in your safety deposit box may not be the best choice, you need to understand some probate basics. Shortly after your death, your estate needs to go through the legal process known as “probate.” Probate serves numerous purposes, including:

  • Identifying and securing your assets
  • Authenticating your Will
  • Paying debts of the estate
  • Litigating any claims against the estate
  • Paying estate taxes
  • Distributing assets to beneficiaries and/or heirs

If you executed a Will prior to your death, you appointed someone to be the Executor, known as the Personal Representative in Arizona and New Mexico, of your estate. Your Executor is responsible for overseeing the probate process. To perform that job as intended, your appointed Executor must initiate the probate process with the appropriate court and petition the court to be officially appointed as your Executor. If the court approves the appointment, the court will issue Letters Testamentary which provide proof that the Executor has been appointed by the court and therefore has the authority to act on behalf of the estate.

The problem is that in order to initiate the probate process and secure the appointment as your Executor, an original copy of your Will must be submitted to the court. If your Will is in your safety deposit box, however, the bank won’t allow access to the box without proof that the individual seeking access is the Executor of your estate. This becomes a “chicken and egg” problem. Your chosen Executor cannot secure the necessary Letters Testamentary to act as your Executor without your Will – but he/she cannot access your Will without the Letters Testamentary.

Similar problems can crop up with other estate planning documents as well. For example, an Agent under your Power of Attorney may have the legal authority necessary to access your safety deposit box; however, if the POA document granting your Agent that authority is in the safety box, your Agent has no way to prove that he/she is your Agent.

Where Should I Put My Estate Planning Documents?

Now that you understand why your safety deposit box may not be the best place to keep your estate planning documents, the question becomes “where should I keep them?” First, it is always a good idea to let your Agent(s) and Executor know where you keep your important papers. Your estate planning attorney should keep a digital copy as a back-up. Second, your original set of documents should be kept at home in a fireproof safe (with the combination or key accessible by your trusted fiduciary) or given to a trusted family member.  Finally, where possible, copies of the documents, such as the Advanced Medical Directives and Power of Attorney, can be submitted and put on file with your doctor, hospital, and financial institutions (though, it becomes even more imperative to inform those with copies if there are changes to your documents).

Contact a Arizona or New Mexico Estate Planning Attorney

For more information, please join us for an upcoming FREE webinar. If you have additional questions or concerns about what to do with your estate planning documents once they are prepared, contact an experienced Arizona or New Mexico estate planning attorney at Morris Hall PLLC by calling 888-222-1328 to schedule your appointment today.

Albuquerque estate planning lawyer

3 Reasons You Don't Want to Die Intestate

By | Estate Planning | No Comments

Albuquerque estate planning lawyer

If you have yet to create an estate plan, you have surely had to listen to well-meaning friends and family members urge you to get started on a plan.  They may not, however, have explained to you some of the reasons why having an estate plan in place is so vital to you and your loved ones.  To remedy that, an estate planning attorney at Morris Hall PLLC explains three reasons why you don’t want to die intestate.

What Does It Mean to Die “Intestate?”

First and foremost, you need to understand some of the legal jargon related to estate planning. When someone leaves behind a valid Last Will and Testament (or a revocable living trust that directs distribution of decedent’s estate), the individual is said to have died “testate.” On the other hand, if a decedent failed to leave behind a Will, the individual is known to have died “intestate.”

Why Should I Avoid Dying Intestate?

To help provide the impetus you need to get started on your estate plan, consider the following three reasons why you don’t want to die without a plan in place:

  1. You allow the State to decide what happens to your assets. Whether you have already amassed a valuable estate, or you are just starting to acquire assets, the odds are very good that you care what happens to the assets you own. You may, for example, have family heirlooms that have been in the family for generations that you intend to pass on to someone specific. Or may you have a collection that you promised to a favorite niece or nephew. If you are a philanthropist, you may also hope to leave some of your assets to a charity that is close to your heart; or you might have strong religious beliefs and want a church or other religious organization to inherit the assets you own when you die. Regardless of how you wish to distribute your estate assets, you give up the ability to make those decisions if you leave behind an intestate estate. The state intestate succession laws determine how the estate assets are distributed. Those laws typically dictate that assets be passed down to close family members and only in the proportions established by the laws.
  2. It will take longer to administer your estate. One of the many advantages to creating an estate plan, especially a revocable living trust, is the ability to incorporate probate avoidance tools and strategies into that plan. Probate is the legal process that is generally required following the death of an individual. Probate will be costly and time consuming which is why many people actively try to avoid it. When an individual dies intestate, however, it means that no effort was made to avoid probate. Assets that could have been distributed immediately to the intended beneficiaries end up being held up in probate for months, even years sometimes.
  3. The possibility of disputes increases. Finally, leaving behind an intestate estate will increase the likelihood of disputes that could turn into prolonged litigation. When a decedent fails to leave behind even a basic Will, it is impossible to know how he intended to distribute estate assets. It also makes it impossible to know who he intended to oversee the administration of the estate. Heirs often fight over the assets and how the assets will be used. If estate assets need to be sold to pay creditors, or divided according to the intestate succession laws, heirs often disagree over which assets should be sold and how the assets are divided. Not only can these disputes be financially costly, but they can also cause a rift in the family that may never heal.

Contact a Morris Hall Estate Planning Attorney

To get started on your estate plan or if you have additional questions about estate planning, contact one of our experienced estate planning attorneys at Morris Hall, PLLC by calling 888-222-1328 to schedule your appointment today. For more information, please join us for an upcoming FREE webinar.