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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2020-11-08</lastmod>
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      <image:title>News - Estate Planning: Don’t be Penny Wise, Pound Foolish</image:title>
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      <image:title>News - Estate Planning: Don’t be Penny Wise, Pound Foolish</image:title>
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      <image:title>News - Estate Planning: Don’t be Penny Wise, Pound Foolish</image:title>
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      <image:title>News - Estate Planning: Don’t be Penny Wise, Pound Foolish</image:title>
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    <loc>https://www.obryanlaw.com/enews/pet-trust-protect</loc>
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    <lastmod>2020-11-07</lastmod>
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    <lastmod>2020-11-18</lastmod>
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      <image:caption>Just getting things organized can be a huge first step.</image:caption>
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      <image:title>News - Talking to Parents About Estate Planning</image:title>
      <image:caption>The focus shouldn’t be on figures, but rather developing a plan that they are comfortable with, and knowing you will be there for them.</image:caption>
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      <image:title>News - POD - Payable on Death Accounts</image:title>
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      <image:title>News - POD - Payable on Death Accounts - Payable on Death Accounts can be a Terrific Tool for Avoiding Probate</image:title>
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      <image:caption>If you have rentals, you need to position them correctly in your estate plan.</image:caption>
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      <image:caption>If you decide to pursue a reverse mortgage, make sure you include the information about it in your family estate plan.</image:caption>
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      <image:caption>If you have a reverse mortgage, it’s very important to discuss these issues with your family.</image:caption>
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      <image:caption>Understand the different names for health care legal documents</image:caption>
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      <image:title>News - Health Care Directives: A Quick Tip</image:title>
      <image:caption>A wallet card is an excellent way to have your directive with you at all times.</image:caption>
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    <loc>https://www.obryanlaw.com/enews/letter-of-intent</loc>
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    <lastmod>2020-10-19</lastmod>
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      <image:title>News - A “Letter of Intent” can help your Successor Trustee</image:title>
      <image:caption>A ‘Letter of Intent’ can be an excellent way to give guidance to those you might leave behind.</image:caption>
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      <image:caption>Being appointed a trustee involves several important responsibilities.</image:caption>
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    <loc>https://www.obryanlaw.com/enews/estate-planning-for-the-4-stages-of-life</loc>
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    <lastmod>2020-10-19</lastmod>
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      <image:title>News - A Guide to Estate Planning for the 4 Stages of Life</image:title>
      <image:caption>Starting a family is perhaps the most important and overlooked time to get a plan completed.</image:caption>
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      <image:title>News - A Guide to Estate Planning for the 4 Stages of Life</image:title>
      <image:caption>You will be more confident and secure during a full and happy retirement knowing you have the right estate plan in place.</image:caption>
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      <image:title>News - A Guide to Estate Planning for the 4 Stages of Life</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee221a9b3ffdd37baddb96c/1602011726862-UUUZRSR016YJHDW8HW05/Estate+Planning+for+Life+Stages+15.jpg</image:loc>
      <image:title>News - A Guide to Estate Planning for the 4 Stages of Life</image:title>
      <image:caption>Young adults rarely take the time to plan. But taking a few basic steps can really help in unforeseen situations.</image:caption>
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      <image:title>News - A Guide to Estate Planning for the 4 Stages of Life</image:title>
      <image:caption>So you’re empty nesters with retirement on the horizon. Now what? There are several steps to make sure your house is in order.</image:caption>
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    <loc>https://www.obryanlaw.com/enews/special-needs-estate-planning</loc>
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    <lastmod>2020-10-19</lastmod>
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      <image:title>News - Estate Planning for Beneficiaries With Special Needs</image:title>
      <image:caption>Children with special needs can be cherished members of any family. But part of providing care requires an estate plan that acknowledges that person’s extra challenges.</image:caption>
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      <image:title>News - Estate Planning for Beneficiaries With Special Needs</image:title>
      <image:caption>The main takeaway is that if your family has a loved one with special needs, don’t wait to get a proper plan in place.</image:caption>
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    <loc>https://www.obryanlaw.com/enews/how-to-transfer-a-family-business-to-the-next-generation</loc>
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    <lastmod>2020-10-03</lastmod>
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    <loc>https://www.obryanlaw.com/enews/probate-attorney-michigan</loc>
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    <lastmod>2020-10-19</lastmod>
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  </url>
  <url>
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    <lastmod>2020-10-03</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee221a9b3ffdd37baddb96c/1598275429420-JLNRREWWMYDXYDV8OT5R/Estate+Planning+Attorney+Davison+Michigan.jpg</image:loc>
      <image:title>News - How to Find a Good Estate Planning Attorney</image:title>
      <image:caption>You need to make sure that you and your spouse are comfortable with whoever you choose.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee221a9b3ffdd37baddb96c/1598275406856-5VKDQ97MBVXYMD4W58WU/Estate+Planning+Attorney.jpg</image:loc>
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      <image:title>News - How to Find a Good Estate Planning Attorney</image:title>
      <image:caption>Picking a good Estate Planning Attorney is a decision that one day your family will thank you for.</image:caption>
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  </url>
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    <loc>https://www.obryanlaw.com/enews/what-is-probate-3-things-you-need-to-know-about-this-legal-process</loc>
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  <url>
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    <lastmod>2020-10-03</lastmod>
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    <loc>https://www.obryanlaw.com/enews/what-is-power-of-attorney-and-when-do-you-need-one</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-10-03</lastmod>
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  <url>
    <loc>https://www.obryanlaw.com/enews/estate-planning-fire-drill</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2020-10-03</lastmod>
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      <image:title>News - An Estate Planning Fire Drill</image:title>
      <image:caption>Letting your family know just exactly what your wishes are can save so much stress.</image:caption>
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    <loc>https://www.obryanlaw.com/enews/divorce-and-beneficiary-designations</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-10-03</lastmod>
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      <image:caption>It is essential that you review your beneficiary designations after a divorce.</image:caption>
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  <url>
    <loc>https://www.obryanlaw.com/enews/making-it-equal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-10-03</lastmod>
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      <image:caption>Be careful about leaving assets that come with a tax bill.</image:caption>
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    <loc>https://www.obryanlaw.com/enews/trust-protectors-michigan-trusts</loc>
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    <lastmod>2020-10-03</lastmod>
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      <image:title>News - Trust Protectors: Right for My Trust?</image:title>
      <image:caption>A protector can also be helpful if you believe there may be conflict among the beneficiaries and the trustee, or if you don’t fully trust the trustee to fulfill your wishes.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee221a9b3ffdd37baddb96c/1601241016393-5QJW7GGKIOVQYK72DZQX/Trust+Protectors+11.jpeg</image:loc>
      <image:title>News - Trust Protectors: Right for My Trust?</image:title>
      <image:caption>Whatever powers the trust protector has, you should be as specific as possible in the trust document.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee221a9b3ffdd37baddb96c/1601241069529-J5RQSUO2KZ6ECQCY5O3D/Trust+Protectors+13.jpeg</image:loc>
      <image:title>News - Trust Protectors: Right for My Trust?</image:title>
      <image:caption>The Trust Protector’s job is to act on behalf of the original trustmakers, and modify the trust only to the extent necessary to solve the problem.</image:caption>
    </image:image>
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    <lastmod>2020-10-03</lastmod>
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    <lastmod>2020-10-03</lastmod>
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    <loc>https://www.obryanlaw.com/enews/living-with-mom</loc>
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    <lastmod>2020-10-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee221a9b3ffdd37baddb96c/1601245045274-3XMRUUTBOMEXAZHXEW8C/Estate+Planning+for+AGing+Parents12.jpeg</image:loc>
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      <image:caption>When a parent moves in with one of their adult children, communication is the key to avoid hurt feelings</image:caption>
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    <loc>https://www.obryanlaw.com/enews/the-ultimate-guide-to-reviewing-your-estate-plan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-10-19</lastmod>
    <image:image>
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      <image:title>News - The Ultimate Guide to Reviewing Your Estate Plan</image:title>
      <image:caption>In 2012, Michigan adopted a new law to deal with the fraudulent use of Financial Durable Powers of Attorney.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee221a9b3ffdd37baddb96c/1601216174946-VPDI7S557EWMEV39RHX7/Estate+Plan+Update+16.jpeg</image:loc>
      <image:title>News - The Ultimate Guide to Reviewing Your Estate Plan</image:title>
      <image:caption>Laws change. Families change. Your assets and ownership interest likewise change and evolve over time. Think of all that has happened to you and your family over the last 10 years.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee221a9b3ffdd37baddb96c/1601217142540-8973X8V0S18QCB2ZC1KP/When+to+Update+Your+Trust.jpg</image:loc>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee221a9b3ffdd37baddb96c/1601215326033-826R3K0GDZ4RO0PFC0IM/Estate+Plan+Update+11.jpeg</image:loc>
      <image:title>News - The Ultimate Guide to Reviewing Your Estate Plan</image:title>
      <image:caption>You should look at the ages when the assets will be distributed outright to the beneficiaries, keeping in mind that assets distributed to somebody who is 18 are likely to be spent differently than if distributed to a person who is 25, 30 or older.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee221a9b3ffdd37baddb96c/1601217170619-HG9IQL94UHN6QHHL52GS/Trust+Updates.jpeg</image:loc>
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      <image:caption>Marriages, divorces and new grandchildren are all reasons to examine your estate plan, and make the changes so that you estate plan reflects your wishes.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee221a9b3ffdd37baddb96c/1601216106720-V62IQCVLG15LTUBV5QFL/Estate+Plan+Update+14.jpeg</image:loc>
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      <image:caption>You should make sure your Health Care Power of Attorney clearly states your desires.</image:caption>
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      <image:title>News - The Ultimate Guide to Reviewing Your Estate Plan</image:title>
      <image:caption>The acquisition of an inheritance from another family member, success in business, a retirement buy-out, and even the rare client who has won the lottery, can greatly effect your estate plan.</image:caption>
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  <url>
    <loc>https://www.obryanlaw.com/enews/changing-your-estate-plan</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2020-10-03</lastmod>
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      <image:caption>Some changes people make to estate plans can have unintended results</image:caption>
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    <loc>https://www.obryanlaw.com/enews/2014/1/18/how-divorce-and-remarriage-affect-social-security</loc>
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    <lastmod>2020-10-03</lastmod>
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      <image:caption>Understanding the Rules regarding social security after a divorce or remarriage can make a big difference in your family’s monthly income.</image:caption>
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    <lastmod>2020-10-03</lastmod>
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      <image:caption>Robin Williams teaches us a great lesson on planning.</image:caption>
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      <image:caption>Susan Schneider (his 3rd wife) and Williams in the year before his death.</image:caption>
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