There are two primary reasons to formalize this transfer of ownership, even though it is supposed to happen automatically. endobj Affidavit of Death recordings in Missouri are a necessary part of clearing up titling for properties when a property owner has passed away. Have a great day! This is a necessary step after the death of one joint tenant owner to notify the world that they have passed away and to clarify who are the remaining owner or owners. First, it is always a good idea to record changes to the named owner of real estate, providing notice to the public that the former beneficiary now holds title to the land and keeping the ownership history up to date. <> If not, send a copy of the death certificate and the recorded beneficiary deed to the county assessor, too. The Missouri beneficiary deed form allows property to be automatically transferred to a new owner when the current owner dies, without the need to go through probate. Missouri Legislature, all rights reserved. 1 0 obj Probate Lawyer Lake St. Louis MO, THE ROLE OF AFFIDAVIT OF DEATH RECORDINGS IN MISSOURI, DEALING WITH DEBT AND CREDITORS IN PROBATE, A DURABLE FINANCIAL POWER OF ATTORNEY: ONE ESTATE PLAN DOCUMENT YOU MUST HAVE. Beneficiary Deeds in Missouri are great tools when used appropriately, but are not always the best way to go. NO WARRANTY. 210 In short, by setting aside some time in the days following the death of the owner (preferably within the first six months) to complete and record a Missouri affidavit as to the death of grantor, the beneficiary protects his/her interest in the newly-acquired real estate, while limiting the likelihood of future problems with taxes or title. DOOqH&rf` Free Affidavit of Death Form | PDF & Word Templates | FormSwift Join Clevers network. NOTE #1: The proper signing and recording of your Missouri Beneficiary Deed and/or Affidavit is YOUR responsibility, as is the recording fee as charged by your local County Recorder of Deeds office. endobj INVESTMENT FIRMS MAKING IT DIFFICULT FOR FIRST TIME HOME BUYERS, MISSOURI ENACTS AMENDMENTS TO THE MISSOURI MECHANDISING PRACTICES ACT, OPEN DOOR ORDERED TO PAY $62,000,000.00 FINE FOR DECEPTIVE PRACTICES, INVESTOR SERVICES WE ASSIST IN BUYING AND SELLING NON-PERFORMING NOTES AND NON-PERFORMING REAL ESTATE ASSETS, ITS FINALLY HAPPENED. endobj What are the risks of using beneficiary deeds : The risks in creating a beneficiary are very few. They work with you and guide you on every aspect. A beneficiary can be an individual or an organization such as a charity. PRE AND POST CLOSING POSSESSION AGREEMENTS IN REAL ESTATE CONTRACTS, Uniform Real Property Electronic Recording Act. You understand and agree that your purchase and/or use of a form document is neither legal advice nor the practice of law, and that each form and any applicable instructions or guidance is not customized to your particular needs, not guaranteed or warranted to be current, up to date, or accurate. The purpose of an affidavit of survivorship is to clear up the land and tax records by letting third parties including title companies, lenders, and the property tax officials know that an owner has passed away and that you now own the property without that owner. <> Transfer on Death Deed Beneficiary Deed Missouri, How sound is this if the seller is found unable in the old age? Dawna M. said: Easy to use website and immediate documents appropriate for my area. <>>> Box 6464 Chesterfield, Missouri 63006 Make sure to include a personal check made payable to "Michael J. Denk" in the amount of 2022 Clever Real Estate. The question arises, then, of exactly how to let the relevant transferring entities know about the owners death. <> We represent clients throughout the Kansas City Metropolitan area, including those in Kansas City, KS; Overland Park, KS; Olathe KS; Lenexa, KS; Lawrence, KS; Independence, MO; Kansas City, MO; Lees Summit, MO; Blue Springs, MO; Liberty, MO; Belton, MO; Raymore, MO; Raytown, MO; Grandview, MO; North Kansas City, MO; Parkville, MO; Platte City, MO; Oak Grove, MO; Cass County, Clay County, Clinton County, Henry County, Jackson County, Lafayette County, Platte County, Ray County, Johnson County, Leavenworth County, Miami County and Wyandotte County. MISSOURI STATUTE ON PSYCHOLOGICALLY IMPACTED PROPERTY, 10 WAYS BUYERS LOOSE EARNEST MONEY DEPOSIT, OUR LAWFIRM OFFERS ONLINE VIRTUAL MEETINGS. PDF Missouri Beneficiary Deed Request Form WHAT DOES IT MEAN TO BUY A PROPERTY WITH SELLER FINANCING? Protecting your assets and preserving them for your heirs is a wonderful way to bless them after youre gone. stream (4) RECORD an affidavit affirming that notice was sent to your heirs (Prob. A certified true copy of the official certificate of . Affidavit of Lost, Destroyed, or Stolen License and Affidavit to Confirm Identification: 12/14/2022: 4679: Motor Vehicle Sales or Use Tax Protest Payment Affidavit: 8/28/2019: 4756: Affidavit for Loss of Motor Fuel: 10/21/2021: 4999: Affidavit for Return of Securities: 6/1/2013: 5005: Application/Affidavit for Missouri Repossession Title: 7/22 . There are tax benefits to beneficiary deeds, too. If you use a form on our Site, you explicitly agree to our Terms of Use. * In office appointments with the attorney are by appointment only. The owner is a person or persons having a right, exercisable alone or with others, regardless of the terminology used to refer to the owner in any written beneficiary designation, to designate the beneficiary of a nonprobate transfer, and includes joint owners. All Rights Reserved - Privacy Policy | Terms & Conditions| Consent to Contact Customer | TREC Consumer Protection Notice | Information About Brokerage Services. The process of removing a deceased joint tenant from a Missouri deed is fairly simple. A beneficiary can be one or more individuals or organizations, such as a trust or charity. Lo and behold Georges grandmother died leaving her house to George and his two sisters via a Beneficiary Deed. You can designate two types of beneficiaries: Primary beneficiaries are first in line to receive the designated asset upon your death. While the law is specific on requirements for the beneficiary deed, it is less clear on the process for accepting the real property rights conveyed. Understanding the transfer on death deed | LegalZoom Then, by recording an affidavit asserting the new claim on the title, the beneficiary lets the local assessor or taxing agency know that, as the record owner of the unique parcel of land, he/she is now responsible for the property taxes. If there is a mortgage, the new owner, just like the original owner, has an equity interest in the property and must either assume the existing mortgage or refinance it. endobj Resources Legacy Law Center drafts Beneficiary Deeds for clients all across the St. Louis area. <> Errors / suggestions - WebMaster@LR.mo.gov. Land owners must remain current on property taxes or risk penalties such as fines, liens, and possibly losing the real estate in a tax sale, so it is essential that the tax statements arrive at the correct location. Then, by recording an affidavit asserting the new claim on the title, the beneficiary lets the local assessor or taxing agency know that, as the record owner of the unique parcel of land, he/she is now responsible for the property taxes. It also gives the current owner retained control over the property, including the right to change his or her mind about the transfer. Missouri Beneficiary Deed c/o Michael J. Denk P.O. (L. 1989 H.B. Under the Nonprobate Transfers Law of Missouri, grantee beneficiaries who survive the deceased owner by at least 120 hours gain ownership of property designated as transfer on death by function of law, upon the death of the owner (461.042). When presenting the affidavit and supporting documents for recording, be sure that they will update the tax records as well. A beneficiary deed may be used to transfer an interest in real property to a trust estate, regardless of such trust's revocability. There is no statutory form or action required to effect the change, but 461.062 provides some guidance for written requests to formalize these transfers. Enter your zip code to see if Clever has a partner agent in your area. I tried to correct it to no avail so I ended up having to retype the entire document. Missouri Transfer-on-Death Deed Form | FormsPal Kansas City, MO 64106. Weve written and posted several times about the inherent dangers in relying on Beneficiary Deeds (also known as Transfer on Death Deeds) to transfer title in Missouri. In Missouri, a beneficiary deed transfers real estate to the beneficiary upon the owners death. While the law is specific on requirements for the beneficiary deed, it is less clear on the process for accepting the real property rights conveyed. 3 0 obj 15 0 obj 1. Present the new deed along with the affidavit of surviving joint tenant or submit it for recording on its own at a later date. Provide notice to your heirs that includes a copy of this deed and your death certificate (Prob. THE ROLE OF AFFIDAVIT OF DEATH RECORDINGS IN MISSOURI. Under the Nonprobate Transfers Law of Missouri, grantee beneficiaries who survive the deceased owner by at least 120 hours gain ownership of property designated as transfer on death by function of law, upon the death of the owner (461.042). PDF Affidavit as to Death of Grantor Request Form - Missouri Beneficiary Deed Diane separated from her husband, George, about 4 years ago, but never got divorced. Below is a step-by-step guide to forming a Missouri transfer-on-death deed. In Missouri, even if a spouses name is not literally on the deed, the spouse acquires a Marital Interest in the property, and must be dealt with. Code 5681). A clear chain of title (with no gaps or interruptions) makes property easier to sell by reducing the chances of unexpected claims from others trying to assert their ownership rights. Box 6464 Chesterfield, Missouri 63006 Make sure your include a personal check made payable to "Michael J. Denk" in the amount of $145 and include a copy of the original Beneficiary Deed and a copy of the deceased Grantor's death certificate. Those in the bloodline have no rights to challenge, nor does anyone else. Get Directions, 524 Walnut St, Ste. <> Section 461.062, however, offers some . If you use a form on our Site, you explicitly agree to our Terms of Use. FREE Affidavit of Death (PDF, Word) - Sampleforms The process of removing a deceased joint tenant from a Missouri deed is fairly simple. Deeds.com Missouri Affidavit as to Death of Grantor Forms Have Been Updated as Recently as Monday February 13, 2023. When presenting the affidavit and supporting documents for recording, be sure that they will update the tax records as well. A transfer-on-death (TOD) deed, or beneficiary deed, allows an owner of real property to execute a deed that names a beneficiary who will obtain title to the property at the owner's death without going through probate. (Form Edition 2/22) This article examines the advantages and disadvantages of using TOD deeds and details how these deeds work. Missouri Affidavit as to Death of Grantor Affidavit of Death recordings are necessary documents to be prepared, executed and recorded to perfect title when the owner or one of the owners has passed away. We suspect Georges grandmother would not be happy about this development. Im not clear what you mean by if the seller is found unable in the old age. endobj Estate Attorney St. Peters, MO The surviving spouse can clear up title by recording the affidavit. Missouri Beneficiary Deed - Instructions The beneficiary automatically becomes the owner of the property when the current owner dies. If you don't love your Clever partner agent, you can request to meet with another, or shake hands and go a different direction. (636) 486-2669. ( Independence, Lee's Summit, Blue Springs ), KC Kansas City Real Estate Law Firm, KS Firms, Lawyer, Lawyers, Legal Advice, FSBO, Contracts, Deeds, Promissary Notes, Brokerage Services, and Flat Fee Legal Protection. Nothing on this website should be considered a substitute for the advice of an attorney. ( Kansas City, Springfield, St. Louis ) The provisions of this subdivision shall apply to all beneficiary deeds executed and filed at any time, including, but not limited to, those executed and filed on or before August 28, 2005. A deed that conveys an interest in real property to a grantee designated by the owner, that expressly states that the deed is not to take effect until the death of the owner, transfers the interest provided to the designated grantee beneficiary, effective on death of the owner, if the deed is executed and filed of record with the recorder of deeds in the city or county or counties in which the real property is situated prior to the death of the owner. Karri P. said: Great service and easy to purchase exactly what you want. *0 6K2E0+y&)N{OEh_b AT4X4hy!7/hQ7(3=aNR7sW/k]N{L)4_)POkt5g''ct%zYZ~7 A Missouri Beneficiary Deed can be a great tool to keep your home out of probate and pass your largest asset onto your heirs quickly after your death. endobj Motor Vehicle Dealers and Lienholders - Please use the same online form when you request bulk quantities of motor vehicle forms. 2 0 obj This ownership history is called the chain of title. The document is then properly recorded (usually e-recorded by the attorneys office) so that a public record of the passing of the joint tenant is now in the title record of the property in question. aUE1NXYhV9S~S N+z|"S;-23?[ Probate Attorney OFallon, MO A transferring entity is a person who owes a debt or is obligated to pay money or benefits, render contract performance, deliver or convey property, or change the record of ownership of property on the books, records and accounts of an enterprise or on a certificate or document of title that evidences property rights, and includes any governmental agency, business entity or transfer agent that issues certificates of ownership or title to property and a person acting as a custodial agent for an owners property. relating to your request, use and implementation of such Missouri Beneficiary Deed. Heres everything you need to know about them, including reasons to have one drafted, if you own a house in Missouri. This article will discuss the two types of Affidavits of Death, their purpose, when they must be filed and what must be contained within them. CAN A SELLER REQUIRE A BUYER TO USE A PARTICULAR TITLE COMPANY? endobj At the owner's death, the property passes to beneficiary without the need for probate. =/KMA#)GP}Go(mn VtlM?MRDbNnYOC$[pFCPC4Gcb+?3p ;L'?o7=xOF!x*73ivV+Sk|tC%,i?TT|2l{%Oa^Y[pv[E*YO4 Land owners must remain current on property taxes or risk penalties such as fines, liens, and possibly losing the real estate in a tax sale, so it is essential that the tax statements arrive at the correct location. And can his blood line come back on me when I am not related? TP%(}zk]V Missouri Beneficiary Deed c/o Michael J. Denk P.O. 701, A.L. Call us today for a consultation. TO THE EXTENT THE FOREGOING LIMITATION OF LIABILITY IS PROHIBITED, OUR SOLE OBLIGATION TO YOU FOR DAMAGES WILL BE LIMITED TO $100.00. Section 461.062, however, offers some guidance. On our Site we make available for use self-help "fill in the blank" forms. endobj No phone number to call. (Form Edition 2/22) I requested help, asking if I need to pay for each document but have not yet been answered. The request shall be under oath or affirmation, subscribed before a notary public or other person authorized to administer oaths, and shall include the following: (a) The full name, address and tax identification number of each beneficiary; (b) The percentage or fractional share to be distributed to each beneficiary; Estate Planning Lawyer Lake St. Louis MO xXmO8~ U*e9I,:B# G When a property is owned by two or more owners and one of the owners dies, an Affidavit of Death of Joint Tenant must be recorded in the Recorders Office where the property sits. WHAT IS AN ATTORNEY REVIEW PERIOD IN A REAL ESTATE CONTRACT? AFFIDAVIT OF DEATH OF JOINT TENANT The owner is a person or persons having a right, exercisable alone or with others, regardless of the terminology used to refer to the owner in any written beneficiary designation, to designate the beneficiary of a nonprobate transfer, and includes joint owners. Best low commission real estate companies, Best we buy houses for cash companies, Are you a top realtor? <> It is a legal document that you swear in accordance with the law of a person's passing. I purchased two templates and both had the same issue. s65 |!>&\w.UO|:boes~ DkBGz[ <> What is a Side Letter Agreement in Real Estate? Executed deeds must be filed with the city or county recorder of deeds where the property is located before the homes owner dies. Estate Planning Lawyer Wentzville MO Thinking about a Missouri beneficiary deed? Im going to look like a hero. <> I would like to have known or received some information as to charges for filing these documents. Beneficiary Deeds, in the proper circumstances, present a very inexpensive and efficient method of transferring real estate upon death. 6 0 obj 4 0 obj George, needing the money, along with his sisters are now trying to sell the house. %PDF-1.5 Or, be directed to a place that lists charges. A beneficiary deed is not evidence of a purchase. Use of Deeds.com Legal Forms. * By Appointment Only *, Legacy Law Center assists clients with Estate Planning, Elder Law, Estate Litigation and Probate Administration in St. Charles County and St. Louis County, including the cities of, OFallon Wentzville Weldon Springs St. Peters Troy Warrenton St. Charles Lake St. Louis Defiance New Melle Chesterfield Ballwin Wildwood Eureka Richmond Heights Maryland Heights Florissant Creve Coueur Hazelwood St. Ann Brentwood Webster Groves Kirkwood Clayton Ladue Frontenac Sunset Hills Des Peres. To search for archived forms from a previous tax year, choose a year from the Tax Year drop-down box below. A beneficiary deed need not be supported by consideration or be delivered to the grantee beneficiary. To support the affidavit, the claiming beneficiary must also include a copy of the recorded beneficiary deed and a death certificate for the owner as well as any deceased beneficiaries. When a property is only owned by an individual and they pass away, an Affidavit of Death must be recorded. There is no statutory form or action required to effect the change, but 461.062 provides some guidance for written requests to formalize these transfers. WHAT ARE CLOSING COSTS IN A REAL ESTATE TRANSACTION? To remove the decedent's name altogether, execute a new deed showing both joint tenants as grantors and only the survivor as a grantee. 4 0 obj Nothing on this website should be considered a substitute for the advice of an attorney. Some motor vehicle forms are not available electronically, such as multi-part forms. Lisa J. said: Thank you so much for your time. Reply from Staff: Thank you for your feedback. E-File Federal/State Individual Income Tax Return, Check Return Status (Refund or Balance Due), Affidavit to Establish Title to Exempt Property, Affidavit of Lost, Destroyed, or Stolen License and Affidavit to Confirm Identification, Motor Vehicle Sales or Use Tax Protest Payment Affidavit, Application/Affidavit for Missouri Repossession Title, 40 Year or Older Reconstructed Motor Vehicle Valued at $3,000 and Below Affidavit of Ownership and Inspection, Candidate's Affidavit of Tax Payments and Bonding Requirements, Escrow Compliance Certificate and Affidavit (Non-Participating Manufacturers), Executive Agency Affidavit and Request for Confidential Information Under Section 610.032, RSMo, Self-Insurance Affidavit for Religious Groups, Affidavit For Withholding Based on Primary Work Location, Boat or Outboard Motor Affidavit of Ownership and Inspection, Withholding Affidavit for Missouri Residents. Your beneficiary should consider seeking professional advice to make that determination. 1001 Boardwalk Springs Pl #111 Use of any Do It Yourself Legal Form from our website is done so AT YOUR OWN RISK. Categories: Blog, Deeds, Featured Home, Joint Tenancy with Right of Survivorship, Joint . solely on the basis of advertisements. Attorney Lawyer Jefferson City Missouri Todd Miller Beneficiary Deed If not, send a copy of the death certificate and the recorded beneficiary deed to the county assessor, too. endobj George has failed to pay the required child support for their children. To support the affidavit, the claiming beneficiary must also include a copy of the recorded beneficiary deed and a death certificate for the owner as well as any deceased beneficiaries. <>>> However, this illustrates the point that I was trying to make in this post. Learn about the benefits and work with a Clever Partner Agent. This section does not preclude other methods of conveyancing that are permitted by law and that have the effect of postponing enjoyment of an interest in real property until the death of the owner. By following this procedure, the survivor helps to maintain a clear chain of title (ownership history), which will simplify future transactions relating to the property. Once that is done, title will vest in the grantee and they can do whatever theyd like with the property. If you sold the property with the deed in place, it would still qualify for the federal home sale exclusion. In short, by setting aside some time in the days following the death of the owner (preferably within the first six months) to complete and record a Missouri affidavit as to the death of grantor, the beneficiary protects his/her interest in the newly-acquired real estate, while limiting the likelihood of future problems with taxes or title. <> endobj This isnt always the case if the property is in a trust. 24/7 Booking. PDF Form 4441 - Statement of Trust - Missouri To inherit, the deeds beneficiary must remain living for 120 days after the homes owner passes away. James B. said: Reliable and fast. Thank you. 1994 S.B. When there is a beneficiary deed St. Charles recorded in advance, the Affidavit of Death will state this and therefore this type of affidavit, once recorded, has the effect of perfecting title in the grantee under the previously recorded beneficiary deed. may be used to order one copy or several copies of forms. <> Beneficiary Deeds in Missouri - Legacy Law Missouri My only complaint is that the forms had an alignment problem where the fields that were filled in by me did not line up with the template text. The Nonprobate Transfers Law of Missouri, Sections 461.003 to 461.081 RSMo (2012) has been in effect since 1989. 2 0 obj However, should you change your beneficiary, its a good idea to file a statement revoking the first deed so there are no potential issues upon your death. If not, send a copy of the death certificate and the recorded beneficiary deed to the county assessor, too. An Affidavit of Death is the document typically used to prove that someone has died for the purpose of winding up their affairs, as well as, transferring and distributing their estate, including: Closing the decedent's checking accounts; Passing property from the decedent's estate to his or her heirs; and 8 0 obj Determining who is an "heir" can be complicated. Clevers Concierge Team can help you compare local agents and negotiate better rates. Secondary (or contingent) beneficiaries receive the asset if there are no surviving primary beneficiaries upon your death. Code 5682(c)). Shes going to be able to get some of the money George owes to her. (2) "Beneficiary designation", a provision in writing that is not a will that designates the beneficiary of a nonprobate transfer, including the transferee in an instrument that makes the transfer effective on death of the owner, and that complies with the conditions of any governing instrument, the rules of any transferring entity and applicable In a TOD deed, the current owner designates one or more persons as beneficiary. PDF Form: Transfer on Death (Beneficiary) Deed - Saclaw.org Estate Planning Lawyer Creve Coeur, MO Missouri Beneficiary Deeds | Willmaker WHAT NAME SHOULD I GIVE MY MISSOURI LIVING TRUST. First, it is always a good idea to record changes to the named owner of real estate, providing notice to the public that the former beneficiary now holds title to the land and keeping the ownership history up to date. Deeds effective on death of owner recording, effect. The death of the owner in the case of joint owners, means death of the last surviving owner. If you use any Do It Yourself Legal Form available on Deeds.com, you agree that: TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE BE LIABLE FOR DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR ANY SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES) ARISING OUT OF OR IN CONNECTION WITH THE LEGAL FORMS OR FOR ANY INFORMATION OR SERVICES PROVIDED TO YOU THROUGH THE DEEDS.COM WEBSITE. Forms and Manuals - Missouri Clevers Concierge Team can help you compare local agents and find the best expert for your search. This section does not invalidate any deed, otherwise effective by law to convey title to the interest and estates therein provided, that is not recorded until after the death of the owner. The problem is the relative ease and low cost lead people to use them when they clearly shouldnt. 145 25, A.L. A Missouri beneficiary deed form\u2014also known as a Missouri transfer-on-death deed form or simply Missouri TOD deed form\u2014is a written document that transfers rEval estate at an owner's death. It can be used in two situations: endobj Then, by recording an affidavit asserting the new claim on the title, the beneficiary lets the local assessor or taxing agency know that, as the record owner of the unique parcel of land, he/she is now responsible for the property taxes. Even though the transfer of ownership rights is, in theory, automatic, it makes sense to formalize the change in title. The death of the owner in the case of joint owners, means death of the last surviving owner. The decision to hire a lawyer is an important decision and should not be made Definitely recommend! For the most part, it involves recording an affidavit that includes the grantor owner and grantee beneficiarys information, recording details about the beneficiary deed, and specifics regarding shared ownership of the property. Discounted Commission Seller/Buyer Representation, FSBO Discounted MLS/Buyer Representation Fees, HIGHER RATE OF HISTORICAL RETURN REAL ESTATE VS. STOCK MARKET, INVESTMENT FIRMS MAKING IT DIFFICULT FOR FIRST-TIME HOME BUYERS, OPEN DOOR TO PAY $62,000,000.00 FOR DECEPTIVE TRADE PRACTICES, EVERYTHING YOU NEED TO KNOW ABOUT REAL ESTATE CONTRACTS, LAND TRUSTS THE ULTIMATE ASSET PROTECTION, 3 DIFFERENT TYPES OF COMMERCIAL REAL ESTATE LEASES, WHAT IS A NOVATION AGREEMENT? Under the Nonprobate Transfers Law of Missouri, grantee beneficiaries who survive the deceased owner by at least 120 hours gain ownership of property designated as "transfer on death" by function of law, upon the death of the owner (461.042). 7 0 obj A grantee beneficiary, also called simply a beneficiary is a person or persons designated or entitled to receive property pursuant to a nonprobate transfer on surviving one or more persons. % A clear chain of title (with no gaps or interruptions) makes property easier to sell by reducing the chances of unexpected claims from others trying to assert their ownership rights. ( Overland Park, Olathe ) When two or more property owners hold title as joint tenants with right of survivorship, and one co-owner dies, the surviving owners share the decedent's interest in the land by function of law, and outside of the probate process. David B. said: I'm not sure how a forms web-site could be so, but I find deeds.com to be sweet. Thank you. Secondly, and I assume this is the root of your question if the owner(s) are competent when they execute the deed and are not improperly influenced to sign the document it is valid. xko8{~fDz Legacy Law Center is an award winning Estate Planning, Probate, and Elder Law Firm in St. Charles County, Missouri that can assist you with your planning needs.