Pictures are worth a million words, but memories are priceless.

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Estate Planning

Having an estate plan is not just about whether you are wealthy or not – it’s about making sure that your hard earned assets go to the people you love and organizations you care about in a way that carries out your wishes.

At Collaborative Teamwork, LLC, we can help you accomplish your estate planning goals, which should include a Will, Durable Power of Attorney, and a Health Care Power of Attorney with an Advanced Health Care Directive (Living Will). We can also assist you in creating a Revocable Living Trust (to avoid probate), a Supplemental Needs Trust (also frequently referred to as a Special Needs Trust), an Irrevocable Life Insurance Trust (to minimize taxes), as well as asset protection trusts for your spouse or children.

Our network of attorneys has extensive legal experience in estate planning, probate administration, tax planning, special needs trusts, business law, guardianships, Medicaid & Medi-Cal.

Auto

Not only is driving without insurance illegal in most states, but it can also put you at significant financial risk. Having adequate insurance coverage will prevent you from financial wreck, should you be involved in an accident or incur vehicle damages. Auto insurance is specific to each situation, and there is never a one size fits all solution that works for every customer. At the end of the day, your goal is to obtain coverage that gives you peace of mind about driving that doesn’t break the bank unnecessarily. We have some suggestions to help you do that.

Our Auto Insurance Plans consists of providing Auto, Motorcycle, ATV, Boat, Jet ski, RV, Classic car and Umbrella car Insurance.

Home

Homeowners insurance, also called hazard insurance or home insurance, is designed to protect the homeowner against certain named perils. Most homeowner insurance policies come with a deductible and exclusions. A standard homeowners insurance polity covers losses occurring to one’s home as well as the contents of the home.

Business

Depending upon your type of business, another kind of coverage called a business owner’s policy might be a good choice for you. For example, if you are a graphic designer, you do not need the same type of protection that a general contractor does. A general business protection package may be adequate, as it bundles liability and property insurance in one package.

If you are interested in business owners’ policies, be sure and check the liability coverage limit. Since this type of coverage is a bundle deal, some of these sorts of policies have low payout thresholds. In that case, for adequate protection, you would need to purchase an additional policy.

Life

Help cover burial costs and funeral expenses.

Help prepare for retirement using the tax-free IRC code used for life insurance.

Benefits will NEVER be canceled or reduced for the life of the policy if premiums are paid on time or unless you elect that type of policy.

Motorcycle

If you own a motorcycle for personal use, motorcycle insurance protects you and your bike. Bodily Injury Liability and Property Damage Liability motorcycle coverage are required by law.

 

The time to protect you and your family from debt and financial trouble is right now.