Call to Schedule a Consultation (314) 373-7135

Estate Planning

Estate Planning

We can help you navigate your estate planning needs. Whether it is a simple will or a more comprehensive probate avoidance package that may include: a Revocable Living Trust with a Pour-Over Will and Powers of Attorney for Financial and Medical decisions.


It is never too early to develop your estate plan. An estate plan is a comprehensive set of directions designed to assist others in understanding and implementing your desires in the event of your incapacity or death. A good estate plan will always include:

  • A Will,
  • A Durable Power of Attorney for financial decisions,
  • A Durable Power of Attorney for health care, including a health care directive.

An estate plan may need to include a trust and often include the use of “transfer on death” or “payable on death” designations on assets.

Because each person has very different needs in this area, there are various tools in the estate planning area designed to accommodate the varied family structures and each person's individual asset mix. At Ahearn Kershman Law Firm, we focus on your circumstances and offer you personal guidance and recommendations to implement your wishes. We listen carefully to what you want, and we conduct a thorough review of your asset structure. 

Powers of Attorney

Every adult, young or old, should have a Power of Attorney for Health Care decisions and a Power of Attorney for Financial Decisions so that you have a plan in place should you become disabled by illness or accident. The person you appoint in these documents to make your decisions in the even you are unable is called your “agent.”

A Power of Attorney for Health Care in Missouri should also contain a Health Care Directive which is the portion of the document that will give your agent directions as to when you would like certain medical treatments or procedures to continue and when you would like certain medical procedures or treatments to stop. You may choose whether one doctor or two doctors are necessary to determine whether the power of attorney becomes effective. In addition to this document, you will need to execute a HIPPA release to your health care agent.

A Durable Power for Financial Decisions will permit your appointed agent to pay your bills and maintain your financial situation in the event you are unable. A Power of Attorney for Financial Decisions may be necessary because of illness, or it may be more convenient to have someone else help you manage your finances. Or you may want to travel and still make sure someone is paying your bills and watching out for your property back home.

If you become ill or disabled and do not have the appropriate Powers of Attorney, then the local Probate Court may have to appoint a Guardian or Conservator to make your medical and other decisions and to take charge of your assets and manage your financial life. This person will be someone the Court chooses. It will not necessarily be the person you would have picked. If you have a Power of Attorney, the law requires the Probate Court to consider the choices you made and honor them if possible. In addition, if you do not have a medical power of attorney with a health care directive and HIPPA release, you may end up with multiple family members fighting over your medical care and treatment procedures.

In addition, as a parent, you may need to execute a temporary delegation of your parental rights if you are traveling without your child or if you are unable to be personally present with your child in a location that requires your personal presence (e.g., physician's office). By a properly executed power of attorney, you may delegate to another individual, for a period not exceeding one year, any of your powers regarding the care or custody of your minor child, except you may not delegate your power to consent to the marriage or adoption of your minor child.



Revocable Living Trust

Ahearn Kershman Law Form helps you navigate the estate planning process, and a revocable living trust is often at the center of a client's estate plan. Revocable living trusts are one of the most flexible and versatile estate planning tools and can be used for many purposes, including probate avoidance and privacy. They also allow the creator to centralize control of the estate's assets if he or she becomes incapacitated. Revocable living trusts are not just for the elderly and wealthy; clients of all ages and stations in life set up revocable living trusts every day.

Our attorneys can work closely with you to establish a trust that addresses your unique needs and goals. We are also available to help you follow through with the actions you need to take after your trust is established, including funding the trust with your assets to ensure probate avoidance.

What Is the Difference Between a Will and a Revocable Living Trust?

A question we get every day at our firm is, “What is the difference between a will and a trust?” There are many different types of trusts, and a discussion of all the different types would be lengthy. A client could be talking about revocable trusts, irrevocable trusts, asset protection trusts, special needs trusts, testamentary trusts, etc. However, in our experience, most people are asking about what is technically referred to as a “revocable living trust.”

To understand what a revocable living trust is, let's break down the term. Revocable means that the trust can typically be changed, amended, or totally revoked during the lifetime of the person(s) who created the trust. This means that the creator of the trust has maximum flexibility to do what they want. Living means that the trust is established during the lifetime of the creator. Finally, a trust is a separate legal entity that can own property and is controlled by a trustee.

Therefore, a “revocable living trust” is a separate entity created during the lifetime of the creator that can be changed, amended, or revoked while the creator is still living. A single person can create a revocable living trust or a married couple can create a joint revocable living trust. Technically, any two persons (married or not) can create a joint revocable living trust, but unmarried parties creating such a trust would have to discuss any special considerations when doing so. For more information on this topic, please see our page “Estate Planning for Non-Traditional Families.”

How Does a Revocable Living Trust Avoid Probate?

One of the main reasons that a revocable trust is created is for probate avoidance. If a person passes away and still has assets or property titled into their own name, it becomes necessary to involve the probate court, because these assets are “stuck” in that deceased person's name. A revocable living trust can be created in order to totally bypass the probate court process and ensure that nothing is still titled in your name after you die. If you set up a revocable trust and correctly title assets in the name of that revocable living trust, those assets won't still be owned by you after you die. Instead, the assets will be owned by the trust upon your death.

To give a simple example, imagine a single man who owns a home, a car, and a bank account. All three assets are titled into his name only. Tomorrow he passes away. The day after his death, all three assets are still titled into his name. At this point, a dead man owns a home, a car, and a bank account. Another way to think about this is that these three assets are “stuck” in the name of this deceased man. The assets will stay stuck that way forever until someone with an interest in the assets (such as an heir or family member) comes forward and takes action with the probate court. During the probate process, the items will become “unstuck” from the name of the deceased and into the name(s) of the legal heirs.


Contact us for a consultation about your estate planning needs


Ahearn Kershman LLC is a Clayton based law firm serving clients throughout St. Louis County, St. Louis City, and St. Charles County.

Clayton, Missouri
Mon: 09:00am - 05:00pm
Tue: 09:00am - 05:00pm
Wed: 09:00am - 05:00pm
Thu: 09:00am - 05:00pm
Fri: 09:00am - 03:00pm