SUBUMBER Legal Protection Notices

Estate Planning Document Repository

Essential Legal Protections and Important Disclaimers

⚠️ CRITICAL LEGAL NOTICE

This website provides general information about estate planning concepts and is not a substitute for personalized legal advice. Estate planning laws vary by state and are subject to frequent changes. The information provided may not be current or applicable to your specific situation.

No Attorney-Client Relationship

Use of this website and its tools does not create an attorney-client relationship between you and the website operators, contributors, or any affiliated legal professionals. Communication through this website is not privileged or confidential.

Professional Consultation Required: You should consult with a qualified estate planning attorney licensed in your state before making any estate planning decisions or executing any legal documents.

State Law Variations

Estate planning laws vary significantly by state, including but not limited to:

Will execution requirements (witness and notarization requirements)
Trust laws and recognition (some states have unique trust provisions)
Property rights (community property vs. common law states)
Tax implications (12 states plus DC have separate estate taxes)
Healthcare directive requirements (varying by state)
Power of attorney limitations (state-specific restrictions)

Document Validity Warning

Documents created using this platform are templates that require professional review and customization to ensure legal validity and compliance with applicable laws.

Improperly executed documents may be invalid and fail to achieve your estate planning goals. Professional legal review is essential.

Tax Information Disclaimers

Tax Law Complexity: Federal and state tax laws affecting estate planning are highly complex and subject to frequent changes. Current federal thresholds (2024):

Federal Estate Tax Exemption: $13.61 million per person
Annual Gift Tax Exclusion: $18,000 per recipient
Generation-Skipping Transfer Tax Exemption: $13.61 million

Important: These exemptions are scheduled to be reduced by approximately 50% on January 1, 2026, unless extended by Congress. Tax planning strategies should account for this potential change.

Professional Tax Advice Required: Consult with a qualified CPA or tax attorney for specific tax planning advice.

Professional Standards

Any calculations, projections, or recommendations provided are for educational purposes only and should not be relied upon as professional advice. Professional review is required for:

Document preparation and execution
Tax calculations and strategies
Asset valuations
Investment recommendations
Insurance needs analysis

Limitations of Service

This website cannot and does not:

Provide legal advice for specific situations
Create legally binding documents without professional review
Guarantee the accuracy of calculations or projections
Replace the need for professional estate planning services
Ensure compliance with current laws in all jurisdictions

Liability Limitation

The website operators, contributors, and affiliated professionals disclaim all liability for:

Decisions made based on information provided
Financial losses resulting from reliance on calculations
Legal consequences of improperly executed documents
Tax penalties or interest resulting from planning strategies
Changes in law affecting estate planning recommendations

Before Using This Platform - Required Checklist

I understand this website provides educational information only

I acknowledge no attorney-client relationship is created

I will consult with qualified professionals before making decisions

I understand state laws may vary significantly

I will not rely solely on this information for legal decisions