Plan & Protect YOUR LEGACY
With Someone Who Knows the Sacramento Region
Benefits of a Revocable Living Trust
Whatever stage you’re at, building a family, building a business, or just finally getting around to something you’ve been putting off, there’s a service here for it. Everything’s handled in one place, with pricing you can actually see upfront.
- Revocable Living Trust — Your assets stay private and out of probate court. You’re still in control while you’re alive, and your family avoids the months of legal back-and-forth that come with a will alone.
- Last Will and Testament — The document most people think of first, for good reason. It says who gets what, who raises your kids if something happens to you, and who’s in charge of sorting it all out.
- Advance Health Care Directive — Decide now, while you can, what kind of care you do and don’t want. It takes that decision off your family’s shoulders later.
Working Alongside Trusted Partners, we are Committed to Delivering Excellence, Confidence, And Long-term Security to Every Client We Serve.
Our Services
You don’t get a warning before you need any of this. The smarter move is having it ready before you do, if that means protecting your family or making sure your business survives a curveball.
Estate Planning:
Keep your affairs private and out of probate.
Put your wishes in writing, plain and simple.
Make the medical calls now, before someone else has to.
Business Planning
Start with the right foundation instead of fixing it later.
Quick to set up, just know what it covers.
Built-in protection as you grow.
Preparing An Advance Health Care Directive
No one likes to imagine a time when they can’t make their own medical decisions. An Advance Health Care Directive ensures your wishes are clearly documented, giving your loved ones guidance and peace of mind when they need it most.
What goes into a complete plan:
Living Trust
This names someone your trustee to manage and distribute your property and finances if you're ever unable to handle them yourself. It keeps things running smoothly without a court having to get involved.
Financial Planning
A clear-eyed look at where things actually stand: what you owe, what you're insured for, and what your retirement looks like. You can't plan ahead for what you haven't looked at.
Durable Power of Attorney for Finances
You choose, ahead of time, exactly who's allowed to handle your money and pay your bills if you can't. Without this on file, your family may have to go to court just to get that authority.
Health Care Proxy
Someone you trust, a spouse, a sibling, a close friend, who makes medical decisions for you based on what you've already told them you want, not what they're left guessing at.
Palliative Care
This is about comfort, not cure, relieving pain and improving quality of life for someone facing a serious illness, whatever their treatment path looks like.
DNR (Do Not Resuscitate) Order
A clear medical instruction that tells your care team not to perform CPR if your heart stops. It's one of the most personal decisions in this whole process, and one worth making while you're able to.
Why You Need A Buy-sell Agreement
A buy-sell agreement isn’t something you put together after one of these events happens; it only works if it’s already in place. Carol can help you think through the right valuation method and funding structure for your business, before you need it.
Benefits Of A Buy-sell Agreement
- Establishes a fair method for valuing a departing owner’s interest, including for estate tax purposes
- Protects all stakeholders by clearly defining how ownership transitions are managed
- Provides funding safeguards such as life or disability insurance, an installment note, cash, or the sale or leveraging of company assets, so a transition doesn’t create a financial crisis
- Can include governance provisions to keep business operations running smoothly through a transition
Common Valuation Methodology
- Fixed Price — Owners agree on a set price in advance
- Formula — Value is determined using an asset-based or earnings-based formula
- Independent Appraisal — Owners agree to a third-party appraisal process when the agreement is executed
- Market Approach — Value is based on comparable sales of similar businesses
Triggering Events
- Death — Are beneficiaries entitled to the fair market value of the interest? Do the surviving owners want them actively involved in the business, or bought out?
- Divorce — Could the business interest become part of a property division in a divorce?
- Disability — If an owner becomes disabled, will the business need additional capital, or will the remaining owners purchase their interest?
- Withdrawal — What restrictions apply to a departing owner’s interest, and under what circumstances can an owner be forced out?
- Bankruptcy — Could creditors seize or place a claim on the interest of an owner who becomes insolvent?
Stories Of Success With CLM Estate Planning
Maria Lopez
Homeowner
Appointed a Health Care Proxy
“I didn’t realize how much I’d been putting off until Carol walked me through it. Naming someone to make health decisions for me, in writing, took a weight off I didn’t even know I was carrying.”
Protected Her Family's Home
“Carol helped me set up a living trust so my house goes straight to my kids, no probate, no court delays. It was simpler than I expected, and she explained every step.”
Formed His LLC the Right Way
“I’d been operating without any real structure for two years. Carol got my LLC set up properly and made sure I actually understood what it protected — and what it didn’t.”
James Carter
Small Business Owner
Secured Her Business Partnership
“My business partner and I kept avoiding the ‘what if’ conversation. Carol helped us put a buy-sell agreement in place, so we both know exactly what happens if either of us ever needs to step away.”
Anita Sharma
Entrepreneur
Aligned His Retirement and Estate Plan
“Carol reviewed my retirement accounts alongside my estate documents and caught a few things that weren’t lined up. It’s a relief knowing everything actually works together now.”
Michael Brown
Retired Client
Thomas Lee
Business Owner
Reliable, Realistic Guidance
“No legal jargon, no upselling, just clear answers. Carol explained my options for my advance directive and durable power of attorney in plain English.”
Peace of Mind for His Family
“After my last will and testament was finalized, I genuinely slept better. Knowing my kids are taken care of no matter what happens is something I can’t put a price on.”
David Adams
Father of Three
Made a Confusing Process Simple
“I went in assuming estate planning was only for people with complicated finances. Carol showed me it wasn’t, and made the whole thing feel manageable instead of overwhelming.”
Sophia Ross
First-Time Estate Planning Client
Built Her Business on Solid Ground
“Carol helped me set up my corporation from scratch and walked me through every document. I started my business knowing exactly where I stood legally.”
Elena Garcia
Small Business Owner
Hannah Kim
Caregiver
A Plan Her Family Could Actually Follow
“My mother’s advance health care directive made an incredibly hard moment so much easier. We knew exactly what she wanted, because she’d already told us in writing, with Carol’s help.”
Your First Step Starts With a Conversation
Not sure where to start? That’s normal; most people aren’t. Call or email and set up a free first conversation with Carol.
Phone Number
(916) 759-9960
Email Address
carol@clmestateplanning.com
Office Address
1024 Iron Point Road, Folsom, CA 95630