FREE WILLS and LIVING TRUSTS SEMINARS! Pennsylvania law firm reveals the 7 costly mistakes families make in their estate plans! NURSING HOME PROTECTION SECRETS REVEALED Will your family be one of those casualties? Attend this seminar and immediately discover how you can avoid mistakes in these key areas 1. NURSING HOME COSTS: Protect you home and savings from nursing home costs, which average over $12,000 per month in Pennsylva- nia. That's over $144,000 per year! 2. PROBATE COSTS AND DELAYS: Eliminate or minimize substantial court, attorney and executor fees; Eliminate or reduce Federal Estate Tax; Avoid potential delays of a year or more; Keep your private affairs out of the public record. 3. EMERGENCY VS. LONG-TERM PLANNING: The risks and benefits of planning ahead vs. waiting until you have an urgent need; the impact of the 5-year look back penalty and how improper planning can disqualify you from Medicaid. 4. DIVORCE: Preserve your children's inheritance if they divorce...up to 50% of your assets could walk out the door with your ex in-law; Protect your children if a surviving spouse remarries. 5. FAMILY HOME PROTECTION: The impact of the Estate Recovery Program on the family homestead and why it may not be safe after all. 6. INCAPACITY: Make your final wishes known with a Health Care Power of Attorney with End of Life Directives (Living Will). Avoid a publicly humiliating and expensive guardianship proceeding if you become incapacitated or disabled. 7. FAMILY FEUDS: Discourage family disagreements and fighting by ensuring that your estate plan leaves your family a loving and lasting legacy. Even though you've worked hard your entire life and saved up something you'd like to pass on to your family, they may end up with nothing, without proper planning. When you attend one of our Wills and Living Trust seminars, you'll immediately discover how you can prevent this from happening to you and your family... but space is limited, so call now to reserve your seat. FREE SEMINARS RESERVE YOUR SEAT WILKES-BARRE Tuesday, January 28 2:00-4:00pm The Woodlands Inn | Marco Polo Rm 1073 Hwy. 315 HARVEYS LAKE Thursday, January 30 6:00-8:00pm Grotto Pizza 3445 Lakeside Drive KINGSTON Saturday, February 01 10:00am-Noon JCC 613 S. Strauss Lane Refreshment Served at All Seminars Sponsored by KIZIS LAW P.C. ESTATE PLANNING | ELDER LAW | REAL ESTATE 61 N. Washington Street, Wilkes-Barre, PA 18701 Attorney Michael J. Kizis is a noted speaker on estate planning. His seminars are said to be entertaining, informative and east-to-understand. Michael J. Kizis is a member of the National Academy of Elder Law Attorneys and The Pennsylvania Elder Law Section. These organizations are dedicated to pro- moting excellence in estate planning and elder law by providing its members with the latest research and educational resources. All seminar attendees will receive a FREE one-hour, private consultation to see how a proper estate plan will benefit you and your family ($285 value). Seating Is Limited, So Call Now! (570) 270-6524 24-hr Reservation Line or Register Online www.Kizislaw.com FREE WILLS and LIVING TRUSTS SEMINARS ! Pennsylvania law firm reveals the 7 costly mistakes families make in their estate plans ! NURSING HOME PROTECTION SECRETS REVEALED Will your family be one of those casualties ? Attend this seminar and immediately discover how you can avoid mistakes in these key areas 1. NURSING HOME COSTS : Protect you home and savings from nursing home costs , which average over $ 12,000 per month in Pennsylva- nia . That's over $ 144,000 per year ! 2. PROBATE COSTS AND DELAYS : Eliminate or minimize substantial court , attorney and executor fees ; Eliminate or reduce Federal Estate Tax ; Avoid potential delays of a year or more ; Keep your private affairs out of the public record . 3. EMERGENCY VS. LONG - TERM PLANNING : The risks and benefits of planning ahead vs. waiting until you have an urgent need ; the impact of the 5 - year look back penalty and how improper planning can disqualify you from Medicaid . 4. DIVORCE : Preserve your children's inheritance if they divorce ... up to 50 % of your assets could walk out the door with your ex in - law ; Protect your children if a surviving spouse remarries . 5. FAMILY HOME PROTECTION : The impact of the Estate Recovery Program on the family homestead and why it may not be safe after all . 6. INCAPACITY : Make your final wishes known with a Health Care Power of Attorney with End of Life Directives ( Living Will ) . Avoid a publicly humiliating and expensive guardianship proceeding if you become incapacitated or disabled . 7. FAMILY FEUDS : Discourage family disagreements and fighting by ensuring that your estate plan leaves your family a loving and lasting legacy . Even though you've worked hard your entire life and saved up something you'd like to pass on to your family , they may end up with nothing , without proper planning . When you attend one of our Wills and Living Trust seminars , you'll immediately discover how you can prevent this from happening to you and your family ... but space is limited , so call now to reserve your seat . FREE SEMINARS RESERVE YOUR SEAT WILKES - BARRE Tuesday , January 28 2 : 00-4 : 00pm The Woodlands Inn | Marco Polo Rm 1073 Hwy . 315 HARVEYS LAKE Thursday , January 30 6 : 00-8 : 00pm Grotto Pizza 3445 Lakeside Drive KINGSTON Saturday , February 01 10:00 am-Noon JCC 613 S. Strauss Lane Refreshment Served at All Seminars Sponsored by KIZIS LAW P.C. ESTATE PLANNING | ELDER LAW | REAL ESTATE 61 N. Washington Street , Wilkes - Barre , PA 18701 Attorney Michael J. Kizis is a noted speaker on estate planning . His seminars are said to be entertaining , informative and east - to - understand . Michael J. Kizis is a member of the National Academy of Elder Law Attorneys and The Pennsylvania Elder Law Section . These organizations are dedicated to pro- moting excellence in estate planning and elder law by providing its members with the latest research and educational resources . All seminar attendees will receive a FREE one - hour , private consultation to see how a proper estate plan will benefit you and your family ( $ 285 value ) . Seating Is Limited , So Call Now ! ( 570 ) 270-6524 24 - hr Reservation Line or Register Online www.Kizislaw.com