Revocable Living Trusts

We use revocable living trusts as the cornerstone of your estate plan. Titled property transfers directly to beneficiaries without probate, preserving privacy and avoiding court delays. You retain full control during your lifetime and can amend or revoke the trust as circumstances change. Successor trustees are named to manage trust assets seamlessly if you become incapacitated.

Health Care Surrogate Designation

We prepare health care surrogate designations—durable powers of attorney for health care—to authorize a trusted individual to make medical decisions if you cannot. This document outlines the surrogate’s authority and your treatment preferences, preventing delays or disputes during emergencies.

Living Will

A living will (advance directive) records your wishes regarding life-sustaining treatments such as resuscitation, mechanical ventilation, or feeding tubes. By clearly stating your end-of-life preferences, a living will guides both your appointed surrogate and healthcare providers, ensuring that treatment aligns with your values.

Last Will and Testament

The last will and testament remains essential for any estate plan. It:

• Directs disposition of assets not held in trust

• Names a personal representative to manage probate

• Appoints guardians for minor children

• Serves as a “pour-over will” to transfer residual assets into your revocable trust

By integrating these four components, Lomba, P.A. delivers a robust, flexible estate plan that evolves with your life changes. For those who seek a more involved plan with a basic level of asset protection, we recommend the following two:

Irrevocable Trusts

For enhanced asset protection and estate-tax reduction, we draft irrevocable trusts. Once funded, these trusts remove assets from your taxable estate and shelter them from certain creditor claims. Our services include:

• Dynasty trusts to preserve wealth across generations

• Special-needs trusts to protect government benefits for loved ones

• Charitable remainder and lead trusts to achieve philanthropic objectives while optimizing tax advantages

Irrevocable Life Insurance Trust (ILIT)

An ILIT holds life insurance policies outside your taxable estate. Premiums paid into the trust acquire the policy, and proceeds bypass probate upon your death. This ensures liquidity for estate-tax obligations, structured distributions to heirs, and protection of policy proceeds from estate inclusion.

The Lady Bird Deed is our most basic offering for those seeking to convey their real property to an heir or other beneficiary. Here is more information on Lady Bird deeds.

Lady Bird Deeds

A Lady Bird Deed—also known as an enhanced life estate deed—lets you transfer real property at death while retaining full control during your lifetime. At Lomba, P.A., we draft and record Lady Bird Deeds to complement your trust and will, offering probate avoidance, Medicaid planning benefits, and continued property rights.

• Retained control. You remain free to sell, mortgage, or change the remainder beneficiaries without consent or re-execution of the deed.

• Probate avoidance. Because the property interest passes automatically at death, it bypasses Florida’s probate process and any associated delays or costs.

• Homestead and Medicaid planning. The enhanced life estate preserves your homestead exemption and helps shelter equity from Medicaid spend-down without disqualifying you from benefits.

• Seamless integration. We coordinate your Lady Bird Deed with your overall estate plan—updating your revocable trust, pour-over will, and tax-planning documents to ensure consistent beneficiary designations and clear title succession.