By Joseph Michael Dickerson, Board-Certified Estate Planning Attorney Let’s set the record straight: you don’t need a mansion in Beverly Hills, a fleet of exotic cars, or a rare wine cellar to justify having an estate plan. If you’re a hardworking Texan with a home, a savings account, and people you care about—you need one. I’ve had countless clients ask me, “Do I really need an estate plan?” And my answer is always the same: Yes. You absolutely do. Why? Because estate planning isn’t about how much you have—it’s about what happens to what you do have. It’s about creating certainty, avoiding chaos, and making life easier for the people you love most. W hat Is an “Estate,” Really? Let’s demystify the word. Your estate is simply everything you own when you pass away. That could be a modest home, a truck, a retirement account, and a few family heirlooms. It could also be a business, investments, or real estate. Whether your estate is simple or complex, it still needs to be managed—and without a plan, the government and the courts will step in to do it for you. I’ve seen what happens when folks leave things to chance. Court involvement, higher attorney’s fees, delays, disputes among family members. And all of it could’ve been avoided with a well-drafted estate plan. No Plan = Big Problems If you pass away without a plan in Texas, the legal system doesn’t just shrug and walk away. It steps in—and often in ways that can surprise and burden your family. For example, your loved ones may be required to go through dependent administration, a court-supervised probate process that’s expensive, slow, and stressful. They may need to obtain a bond, appear in court multiple times, or hire multiple professionals to sort through things. It can drag on for months—or years. And if you’ve got a blended family, things get even more complicated. Did you know that in some cases, your stepchildren could inherit part of your estate—including rights to the family home—if you don’t have a plan? That could leave your surviving spouse in a legal bind, unable to sell or refinance without their consent. I’ve seen this happen, and it’s heartbreaking—but it’s also entirely preventable. Estate Planning Is an Act of Love Let’s be clear: estate planning isn’t just a legal process—it’s a gift to your family. It gives them clarity, direction, and peace during a time of grief. It saves them money. It avoids conflict. And it gives you peace of mind knowing that your wishes will be honored and your legacy protected. Texas law actually makes things easier for families with a solid plan. There are streamlined options like independent or summary administration—but only if you set things up properly ahead of time. That’s where the guidance of an experienced estate planning attorney makes all the difference. The Bottom Line You don’t need to be rich to need an estate plan. You just need to care about what happens to the people and things you leave behind. Estate planning is about making smart, thoughtful decisions now so that your family doesn’t have to make difficult, expensive decisions later. It’s about putting a plan in writing while you’re alive and well, so that your wishes—not the state’s—are the ones that matter when the time comes. If you haven’t created an estate plan yet, I encourage you: don’t wait. This is one of the most important steps you can take to protect your family, your assets, and your legacy. Let’s get your affairs in order—so you can get back to living with confidence.

As we step into the new year, I find myself reflecting on the countless entrepreneurs, professionals, and business owners I’ve worked with throughout my career. Helping clients mold a shield of protection around their assets has been one of the most rewarding aspects of my practice. Time and time again, I’ve witnessed that success isn’t reserved for geniuses, nor does it require a fancy degree. The secret lies in action, strategy, and discipline—traits anyone can cultivate to achieve and maintain wealth. The Myth of Instant Wealth How often have we heard someone say, “When I win the lottery, I’ll finally be set”? It’s a common refrain, but let’s examine the reality. Imagine winning $10 million in the lottery. After choosing the lump sum option and paying taxes, you might walk away with only a fraction of that—perhaps $2 million. Without a solid financial plan, it’s no surprise that many lottery winners end up broke within a few years. True wealth isn’t about luck or flashy possessions. It’s about what you do with your resources and how you protect them. If you look around your community, the truly wealthy aren’t necessarily the ones with the biggest houses or newest cars. They’re often the ones who’ve taken calculated risks, lived within their means, and built unglamorous but steady businesses. These individuals mold the clay they’re given, creating shields of protection around their assets that ensure their financial stability for generations. The Trap of Looking Rich We’ve all seen it—the big house, luxury car, and designer wardrobe. But appearances can be deceiving. Many who look wealthy are drowning in debt, spending more than they earn, and chasing the illusion of success. As my wife lovingly calls it, Dickersonism #7: “Looking rich does not MAKE you rich.” True wealth is built on a foundation of solid, income-generating assets, not consumables. Falling into the trap of “keeping up with the Joneses” (or Kardashians) often leads to financial instability and missed opportunities to create lasting wealth. The Cost of Inaction One of the greatest obstacles to wealth and protection is inaction. Henry Ford famously said, “If you think you can, you can. If you think you can’t, you can’t. Either way, you’re right.” Inaction is the path of least resistance, but it’s also the path to missed opportunities and unfulfilled potential. Some hesitate out of fear or over-analysis, a condition I call “analysis paralysis.” It’s easy to get caught up in what could go wrong, but this mindset keeps you stagnant. Every successful person I’ve worked with has one thing in common: they took action. They understood the risks but focused on the rewards, moving forward despite uncertainty. Setting Your Course for 2025 If you haven’t taken steps to mold your financial future, now is the time. Ask yourself: Where do you want to be a year from now? In five years? In ten? Define your goals and begin building the path to reach them. Just as importantly, protect what you’ve built. Not having a plan to shield your assets is like running exposed electrical wiring—sooner or later, you’ll face unnecessary risks. A board-certified estate planning attorney can help you design a plan to safeguard your wealth, ensuring it stays secure for you and your loved ones. Take Control of Your Future Success doesn’t just happen—it’s molded. Listen to trusted advisors, but remember that the final decisions are yours to make. Clarify your vision, take bold steps, and build the life you’ve always dreamed of. At The J.M. Dickerson Law Firm, we’re here to guide you every step of the way. Whether in person, by appointment, or via Zoom, we’re committed to helping you create a legacy of success and security. Contact us today, we can help! South Texas: 956-791-5422 Central Texas: 830-302-4577 Let’s make 2025 your year of action, growth, and protection.

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As the end of the year approaches, it’s easy to feel the weight of unfinished tasks and the hustle of the holiday season. Between wrapping up work projects, preparing for family gatherings, and making plans for the future, this time of year can feel overwhelming. But amidst the busyness lies a valuable opportunity—the chance to press reset and prepare for a fresh start. The New Year offers a clean slate, making it the perfect time to reflect, reorganize, and refocus your goals. By dedicating some time to the right activities now, you can set yourself up for success in the months ahead. Here are four key steps to help you start the New Year on solid footing. Step 1: Reflect on the Past Year As the calendar flips to a new year, many of us naturally find ourselves looking back at the previous 12 months. This is the perfect moment to assess your professional and personal accomplishments, challenges, and growth. Ask yourself: • What were my biggest successes this year? • What goals did I miss, and why? • What strategies or habits worked well for me? • Where can I improve moving forward? Reflection isn’t just about identifying wins and losses; it’s about understanding the “why” behind them. Seek feedback from colleagues, mentors, or trusted peers to gain new perspectives. The more honest and thorough your evaluation, the more valuable it will be as a foundation for future planning. Step 2: Create a Game Plan for the Year Ahead Reflection is only the beginning. To make real progress, you need a clear and actionable plan for the year ahead. Start by defining your big-picture goal for the next 12 months. What’s the most important outcome you want to achieve? Once you have that, break it down into smaller, measurable objectives. For example, if your goal is to expand your business, your smaller objectives might include increasing marketing efforts, attending networking events, or launching a new service. Outline the steps needed to achieve each objective and set realistic timelines for completion. Revisit your goals regularly—at least quarterly—to ensure you’re staying on track or to adjust for any changes in your circumstances. Flexibility is key to maintaining momentum throughout the year. Step 3: Declutter Your Inbox An overflowing email inbox can be a constant source of low-grade stress. Ending the year with a streamlined and organized inbox can give you a fresh sense of control as you head into January. Here’s how to tackle it: • Respond immediately to any urgent or unresolved messages. • Delete emails that are no longer relevant. • Unsubscribe from newsletters or mailing lists you no longer find useful. • Create folders and filters to better organize incoming messages moving forward. To keep your inbox manageable, schedule regular cleanups throughout the year. Whether monthly or quarterly, these maintenance sessions will prevent clutter from building up again. Step 4: Knock Out Small Tasks The small, unfinished tasks lingering on your to-do list can be more draining than you realize. Use this time to cross off as many as possible before the New Year begins. • File paperwork that’s been piling up. • Respond to emails you’ve been avoiding. • Wrap up loose ends on ongoing projects. Completing these small but nagging tasks will give you a sense of accomplishment and free up your mental bandwidth for bigger goals in the New Year. Starting January with a clean slate will allow you to hit the ground running. Your Fresh Start A new year is a chance to realign your priorities, set meaningful goals, and approach your work with renewed focus. By reflecting on the past year, setting actionable goals, decluttering your space, and tying up loose ends, you’ll create the foundation for a successful year ahead. Whether you spread these steps out over a few weeks or tackle them all in one day, the most important thing is to commit to the process. A little effort now can make a big difference in how you start the year—and how you finish it. Here’s to making the most of your fresh start!

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