James F. Roberts & Associates

Most parents focus on passing assets to their children…
But what happens after they receive them?

This is where many families unintentionally leave their child’s inheritance exposed.

There’s a smarter way to plan.

An Asset Protection Trust can allow your child to manage their inheritance—while the trust remains the legal owner.

That distinction matters.

Because assets held personally may be vulnerable to:

--Divorce
--Lawsuits
--Creditors

A properly structured trust may help provide an added layer of protection.

And it doesn’t have to be complicated.

With the right structure (like a Beneficiary Deemed Owner Trust):

✔ Income may be reported on your child’s personal tax return
✔ In many cases, no separate trust tax return is required
✔ Administration can be simpler and more cost-effective

The goal isn’t just to pass wealth…
It’s to protect it—for the long term.

If you’re not sure whether your current plan includes this kind of protection, we’re happy to take a look.

Call (714) 282-7488 to schedule

Call now to connect with business.

When Your Child Turns 18, the Law Changes Overnight

Turning 18 is an exciting milestone for families. But many parents are surprised to learn that it also creates an important legal change.

At 18, your child becomes a legal adult. That means they have full control over their medical and financial decisions — even if they still live at home or remain on your health insurance.

Without the proper documents in place, parents may not be able to step in during an emergency.

For example, doctors may not be able to share medical information, and financial institutions may refuse to discuss accounts.

That’s why many families choose to put three simple documents in place when a child turns 18:

• Advance Health Care Directive
• HIPAA Authorization
• Durable Power of Attorney for Financial Matters

These documents allow your child to name someone they trust — often a parent — to help make medical or financial decisions if they are unable to do so themselves.

This planning isn’t about taking away independence. It’s simply about preparing for the unexpected and ensuring families can help when it matters most.

If you would like to learn more or schedule a planning meeting, please contact our office at 714-282-7488.

Big Changes Coming to Medi-Cal in 2026

Starting January 1, 2026, California’s Medi-Cal asset-limit rules return — and families could lose coverage without proper planning.

Watch Attorney James Roberts explain what’s changing and how you can protect your assets, savings, and future:
https://www.youtube.com/watch?v=RLtYox5jNMA

Major Medi-Cal Law Change- Webinar The asset test returns in 2026, for Medi-Cal qualification. Attorney James F. Roberts discusses the new Medi-Cal law change, and the unique planning opportun...

Take advantage of our free webinar and unlock valuable estate planning knowledge