Ian Filippini: Important Considerations When Estate Planning

ian pic

Ian Filippini

Important Considerations When Estate Planning

Ian Filippini Santa Barbara is a blog located in the county of Santa Barbara, California with a growing population and thriving economy. After Santa Maria, it is ranked the second largest city in the county. Ian Filippini, the current president of Filippini Financial Group is situated in the area of Santa Barbara. Ian Filippini holds a reputable image as an estate advisor for the area of Santa Barbara. Filippini Financial Group seeks to provide you with a comprehensive guidance on special considerations during the process of estate planning.

The earlier the better

If you are thinking of estate planning in Santa Barbara, Ian Filippini of Filippini Financial Group stresses on taking the initiative as early as possible. Usually, people consider estate planning for the old age group. However, once you do not have the mental capacity to deal with the long and tiring procedures of estate planning, you are bound to be trapped by frauds.

According to the research of Ian Filippini Santa Barbara, the current president of Filippini Financial Group, Santa Barbara is heavily populated with an older age group. This is because of its serene and beautiful locations that offer an idyllic retiring option.

Ian Filippini also encourages earlier estate planning because once the older population living in Santa Barbara have lost their mental capacity; it is too mentally and financially burdensome for the dependent relatives to legally work out the estate plan. In such cases, there is no other option except going to the court and bogged down by legal formalities. There is a great deal of stress for your loved ones to wait for the courts to appoint a guardian or conservator. In cases of death, the legal formalities incur far heavier financial losses.

Revise your plan

Ian Filippini Santa Barbara, the current president of Filippini Financial Group which he founded with his father Alfred Filippini, has been living in the area of Santa Barbara for several years. Ian Filippini is the most trusted name if you need a management plan of your wealth in the area of Santa Barbara. A complete estate plan by a dedicated financial group such as the Filippini Financial Group does not only initiate and process your estate plan but also guarantees its revision as necessary. The fluctuations in Santa Barbara’s economy and real estate market every year require refined and revised estate plan. Ian Filippini recommends that once the estate plan has been designed, it should be revised every subsequent year. Furthermore, Ian Filippini’s experience and research of wealth management, working at the renowned Filippini Financial Group, can guarantee an updated estate plan for you.

Revocable Living Trust

Estate Planning is a complex procedure and one mistake can lead to the entire plan crumbling. It is important to make sure to completely fund your revocable living trust for a successful estate plan. In addition, Ian Filippini elaborates that failure to do so might lead to some of your assets ending up in probate. According to Ian Filippini’s experience, the most common problem lies in the limited knowledge of people working out their estate plan with attorneys and financial consulting services who are not aware of tax implications as a result of a client’s estate plan. The president of the renowned Filippini Financial Group illustrates that the funding of the trust should be given equal importance to the process of creating it.
Furthermore, titled assets in the name of the trust should be an important consideration in the estate plan. This is because, without a title to the assets, the trust agreement will be useless to determine the long-term fate of the assets. In extreme situations such as death or diseases leading to the mental incapacity of the owner, the assets will have to be probated in order to transfer their control to the dependent members of the family.

Choosing the trustee

A simple yet mostly neglected part of an estate plan is choosing the trustee. Choosing the trustee wisely should be given top priority in the estate plan. According to Ian Filippini, this should take into account the relationship between the two people involved, which is of chief importance for a successful estate plan.

Ian Filippini, the current president of the Filippini Financial Group has years of experience and tremendous knowledge to provide you with a complete and comprehensive estate plan as a part of your wealth management process in the city of Santa Barbara. They also advise you on the best attorneys in the region for legal work while they help you manage the financial aspect of the process.

Ian Filippini: Santa Barbara

ian pic

Ian Filippini

Santa Barbara

Many people have described Santa Barbara, California as paradise.  Situated between the Santa Ynez Mountains and the Pacific Ocean, Santa Barbara has something for everybody in its almost 42 square miles.  You can hike up in the mountains and feel like you are in a different world, spend time playing at the beach, or enjoy some of the many restaurants the city has to offer (Ask a local like Ian Filippini for the best spot in town).

Santa Barbara is known for many things; it’s beauty, nature, diversity, culture, educational opportunities, wine, and history.  In this article, I will touch on just a few of the wonderful things Santa Barbara has to offer.  To really understand and appreciate the beauty of this city, you must experience it for yourself.

From the rose gardens at the Santa Barbara Mission, to the sands of Butterfly Beach, Santa Barbara definitely has a lot of beautiful scenery all around.  The wonderfully mild climate in Santa Barbara allows its residents and visitors to enjoy its outdoor beauty during most of the year.  If you are ever in Santa Barbara visiting, or live here and just want to do a little sightseeing, the Landshark is a great tour to go on (Also a favorite of Ian Filippini and his Nephew Drew).  This tour will show you the beauty of Santa Barbara’s land and sea (and you will learn a lot about the city’s history too)!

There are many performing arts venues in Santa Barbara.  The Lobero, Granada and Arlington theaters are just a few of the places you can find wonderful acting, dancing and singing performances all year round.  It can be great fun for people of all ages!

Many people think of college when they think of Santa Barbara.  This may be because Santa Barbara has many higher education institutions.  Not only is there The University of California at Santa Barbara, but there is Santa Barbara City College, Westmont College, Antioch University and several other colleges and universities also. Ian Filippini can also help with planned giving to local Santa Barbara education centers.

Perhaps one of the tastiest things about Santa Barbara is the wonderful wine that comes from nearby Santa Ynez!  There are many great wineries to visit and have tastings at all throughout the Santa Barbara area.

Ian Filippini, the current president of Filippini Financial Group, Inc. Ian Filippini the author of articles dealing with many different topics that include: financial consulting, financial advice, real estate, insurance, tax, asset protection, and estate planning. Filippini Financial Group, Inc. and Ian Filippini use  their hands on approach to provide value to hundreds clients.

Filippini Financial Group, Inc. originally founded by (Ian Filippini’s late father) Alfred Filippini. Filippini Financial Group, Inc. is located in Montecito, California. Ian Filippini’s mother, Deborah Filippini, and Ian Filippini’s brother, Alex Filippini (Filippini Financial Group, Inc.), moved to the Montecito and Santa Barbara area.

Ian Filippini: Final Wishes-Put Them In Writing!

ian pic

Ian Filippini

Final Wishes-Put Them In Writing

The science of medicine has come a long way throughout the years.  A positive aspect of this is that we now have wonderful life sustaining technologies.  A negative aspect of this is that some of us do not want our lives to be extended beyond natural means.  This is why a very important part of estate planning are your medical decisions and the importance of getting them down in writing.  In this article I will briefly discuss why it is so important to put your final medical wishes in writing, versus just telling your spouse and/or other loved ones.

Everyone has the legal right to decide their own medical treatment (or lack thereof).  To ensure that this right is upheld, individuals can create a simple document that will spell out their final medical wishes.  In different states this document has different names.  You may hear it called one of the following: medical directive, directive to physicians, durable power of attorney for healthcare, declaration regarding healthcare, patient advocate designation, or designation of healthcare surrogate.  No matter the name of the specific document in your state, be sure to consider creating one during your estate planning.

The directions in this document must legally be followed in the event that you cannot tell medical professionals your final medical choices.  Writing these decisions down can be helpful in many ways.  It can make you feel better, knowing that your medical care will be handled the way that you want it to (which is why early estate planning, and keeping up to date with your estate planning is the smart thing to do).  It will also make it easier for the medical professionals to follow your wishes if they are written down on a legal document.  Having your final wishes in writing will also keep family members from making any decisions.

Your estate planning professional can help direct you on how to put your final wishes in writing, so do it!

Ian Filippini

Final Wishes-Put Them In Writing

 

Ian Filippini: Generation Skipping Trusts

ian pic

Ian Filippini

Generation Skipping Trusts

In the world of estate planning, there are many different types of trusts.  I will be discussing one of these today: the generation skipping trusts.  This type of trust is very complicated and I will only be giving a quick overview in this article.  Be sure to speak with your estate planning and legal professionals to go into more depth about generation skipping trusts.

Generation skipping trusts are generally put into place for people with very large estates that will most likely incur large federal estate taxes upon their death.  For the purposes of this article, “very large,” will mean at least a couple of million dollars individually, not as a couple.  (The rules differ when spouses have individual estates rather than joint estates).

Generation skipping trusts give money to one generation of beneficiaries, and the actual property in the trust will then go to beneficiaries in the third generation.  The advantage to this is that up to $1,030,000 will not get taxed when the second generation of beneficiaries dies.  Anything over this amount in the generation skipping trust will be taxed.  This is called the generation skipping transfer tax.

When conducting your estate planning and you are considering a generation skipping trust, it is important to remember that you do not have to leave your property to family. You can pick any people from any consecutive generations.  For these estate planning purposes, a generation is twenty five years.  Of course maybe the most important thing to consider when thinking about a generation skipping trust is if you have enough money to be inaccessible for a whole generation.

As stated above, generation skipping trusts are one of the most complicated trusts out there.  It is extremely important to talk with financial consultants and legal professionals while making important estate planning decisions.

Ian Filippini is proud to be the current president of Filippini Financial Group, Inc. Ian Filippini also makes time to write many different articles with difficult topics relating to  insurance, real estate, taxation, taxes, asset protection, financial advice, and estate planning. Filippini Financial Group, Inc. and Ian Filippini have spent many years using their unique expertise and hands on approach to provide value to hundreds of retirees and pre-retirees in many areas of wealth management.

Filippini Financial Group, Inc. was originally founded and operated by Alfred Filippini or Al. Alfred Filippini is also the late father of Ian Filippini. Filippini Financial Group, Inc. is still located on Coast Village Road in Montecito, California to this day. Ian Filippini’s mother, Deborah Filippini, and brother, Alex Filippini (started working for Filippini Financial Group, Inc.), moved to the Montecito and Santa Barbara area.

No advice is given or intended.  This article is not to be considered legal advice.  Ian Filippini is not an attorney.  Filippini Financial Group, Inc. is not a law firm.

Ian Filippini: Charitable Trusts

ian pic

Ian Filippini

Charitable Trusts

In their estate planning process, and in seeking financial advice, some people choose to make large gifts to charity, which is a wonderful thing.  Another wonderful thing would be to make these large gifts to charity while also getting considerable tax benefits.  A great way to do this is to create a charitable trust.  In this article, I will briefly define what a charitable trust is and how it works.

There are four main things to know when considering a charitable trust.  Charitable trusts can be started while you are still alive, only charities that are tax exempt qualify, you get a break on your income taxes, and charitable trusts are irreversible.

Starting a charitable trust when you are alive can give you the most tax advantages.  A charitable trust can not only make a gift to a charity, but create some form of income to you or a person that you choose.  Always confirm estate planning decisions and get your financial advice from your financial consultant.

The charity that you choose for your trust must be a tax exempt charity.  This means that they are exempt under the IRS section 501(c)(3).  There are many, many charities that qualify under this section.  If you are not sure whether your chosen charity qualifies, contact the IRS to see if it is on the public charities list.

However much the value of the gift you are giving to the charity is deductible from your income taxes.  This is important financial advice that could help you determine the amount of gift you wish to leave to the charity.

A very important thing to remember when deciding on creating a charitable trust is that it will be irreversible.  This means you cannot take back anything you have left to the charity in the trust.  So be absolutely sure and get financial advice from a professional before you make any final decisions.

Ian Filippini, the current president of Filippini Financial Group, Inc., has authored and written a number of articles relating to real estate, insurance, tax, asset protection, financial advice, and estate planning. Filippini Financial Group, Inc. and Ian Filippini have spent many years using their unique expertise and hands on approach to provide value to hundreds of retirees and pre-retirees in many areas of wealth management.

Filippini Financial Group, Inc. created, founded and run by Ian Filippini’s late father Alfred Filippini. Filippini Financial Group, Inc. is still located in the heart of Santa Barbara on Coast Village Road in Montecito, California. Ian Filippini’s mother, Deborah Filippini, and brother, Alex Filippini, moved to the Montecito and Santa Barbara area.

No advice is given or intended.  This article is not to be considered legal advice.  Ian Filippini is not an attorney.  Filippini Financial Group, Inc. is not a law firm.

Ian Filippini: The Downside to Joint Tenancy

ian pic

Ian Filippini

The Downside to Joint Tenancy

Ian Filippini Santa Barbara is a blog located in the county of Santa Barbara, California with a growing population and thriving economy. After Santa Maria, it is ranked the second largest city in the county. Ian Filippini, the current president of Filippini Financial Group is situated in the area of Santa Barbara. Ian Filippini holds a reputable image as an estate advisor for the area of Santa Barbara. Filippini Financial Group seeks to provide you with a comprehensive guidance on special considerations during the process of estate planning.

The earlier the better

If you are thinking of estate planning in Santa Barbara, Ian Filippini of Filippini Financial Group stresses on taking the initiative as early as possible. Usually, people consider estate planning for the old age group. However, once you do not have the mental capacity to deal with the long and tiring procedures of estate planning, you are bound to be trapped by frauds.

According to the research of Ian Filippini Santa Barbara, the current president of Filippini Financial Group, Santa Barbara is heavily populated with an older age group. This is because of its serene and beautiful locations that offer an idyllic retiring option.

Ian Filippini also encourages earlier estate planning because once the older population living in Santa Barbara have lost their mental capacity; it is too mentally and financially burdensome for the dependent relatives to legally work out the estate plan. In such cases, there is no other option except going to the court and bogged down by legal formalities. There is a great deal of stress for your loved ones to wait for the courts to appoint a guardian or conservator. In cases of death, the legal formalities incur far heavier financial losses.

Revise your plan

Ian Filippini Santa Barbara, the current president of Filippini Financial Group which he founded with his father Alfred Filippini, has been living in the area of Santa Barbara for several years. Ian Filippini is the most trusted name if you need a management plan of your wealth in the area of Santa Barbara. A complete estate plan by a dedicated financial group such as the Filippini Financial Group does not only initiate and process your estate plan but also guarantees its revision as necessary. The fluctuations in Santa Barbara’s economy and real estate market every year require refined and revised estate plan. Ian Filippini recommends that once the estate plan has been designed, it should be revised every subsequent year. Furthermore, Ian Filippini’s experience and research of wealth management, working at the renowned Filippini Financial Group, can guarantee an updated estate plan for you.

Revocable Living Trust

Estate Planning is a complex procedure and one mistake can lead to the entire plan crumbling. It is important to make sure to completely fund your revocable living trust for a successful estate plan. In addition, Ian Filippini elaborates that failure to do so might lead to some of your assets ending up in probate. According to Ian Filippini’s experience, the most common problem lies in the limited knowledge of people working out their estate plan with attorneys and financial consulting services who are not aware of tax implications as a result of a client’s estate plan. The president of the renowned Filippini Financial Group illustrates that the funding of the trust should be given equal importance to the process of creating it.
Furthermore, titled assets in the name of the trust should be an important consideration in the estate plan. This is because, without a title to the assets, the trust agreement will be useless to determine the long-term fate of the assets. In extreme situations such as death or diseases leading to the mental incapacity of the owner, the assets will have to be probated in order to transfer their control to the dependent members of the family.

Choosing the trustee

A simple yet mostly neglected part of an estate plan is choosing the trustee. Choosing the trustee wisely should be given top priority in the estate plan. According to Ian Filippini, this should take into account the relationship between the two people involved, which is of chief importance for a successful estate plan.

Ian Filippini, the current president of the Filippini Financial Group has years of experience and tremendous knowledge to provide you with a complete and comprehensive estate plan as a part of your wealth management process in the city of Santa Barbara. They also advise you on the best attorneys in the region for legal work while they help you manage the financial aspect of the process.

Ian Filippini: Santa Barbara

ian pic

Ian Filippini

Santa Barbara

Many people have described Santa Barbara, California as paradise.  Situated between the Santa Ynez Mountains and the Pacific Ocean, Santa Barbara has something for everybody in its almost 42 square miles.  You can hike up in the mountains and feel like you are in a different world, spend time playing at the beach, or enjoy some of the many restaurants the city has to offer (Ask a local like Ian Filippini for the best spot in town).

Santa Barbara is known for many things; it’s beauty, nature, diversity, culture, educational opportunities, wine, and history.  In this article, I will touch on just a few of the wonderful things Santa Barbara has to offer.  To really understand and appreciate the beauty of this city, you must experience it for yourself.

From the rose gardens at the Santa Barbara Mission, to the sands of Butterfly Beach, Santa Barbara definitely has a lot of beautiful scenery all around.  The wonderfully mild climate in Santa Barbara allows its residents and visitors to enjoy its outdoor beauty during most of the year.  If you are ever in Santa Barbara visiting, or live here and just want to do a little sightseeing, the Landshark is a great tour to go on (Also a favorite of Ian Filippini and his Nephew Drew).  This tour will show you the beauty of Santa Barbara’s land and sea (and you will learn a lot about the city’s history too)!

There are many performing arts venues in Santa Barbara.  The Lobero, Granada and Arlington theaters are just a few of the places you can find wonderful acting, dancing and singing performances all year round.  It can be great fun for people of all ages!

Many people think of college when they think of Santa Barbara.  This may be because Santa Barbara has many higher education institutions.  Not only is there The University of California at Santa Barbara, but there is Santa Barbara City College, Westmont College, Antioch University and several other colleges and universities also. Ian Filippini can also help with planned giving to local Santa Barbara education centers.

Perhaps one of the tastiest things about Santa Barbara is the wonderful wine that comes from nearby Santa Ynez!  There are many great wineries to visit and have tastings at all throughout the Santa Barbara area.

Ian Filippini, the current president of Filippini Financial Group, Inc. Ian Filippini the author of articles dealing with many different topics that include: financial consulting, financial advice, real estate, insurance, tax, asset protection, and estate planning. Filippini Financial Group, Inc. and Ian Filippini use  their hands on approach to provide value to hundreds clients.

Filippini Financial Group, Inc. originally founded by (Ian Filippini’s late father) Alfred Filippini. Filippini Financial Group, Inc. is located in Montecito, California. Ian Filippini’s mother, Deborah Filippini, and Ian Filippini’s brother, Alex Filippini (Filippini Financial Group, Inc.), moved to the Montecito and Santa Barbara area.

Ian Filippini: Final Wishes: Put Them In Writing!

ian pic

Ian Filippini

Final Wishes: Put Them In Writing!

The science of medicine has come a long way throughout the years.  A positive aspect of this is that we now have wonderful life sustaining technologies.  A negative aspect of this is that some of us do not want our lives to be extended beyond natural means.  This is why a very important part of estate planning are your medical decisions and the importance of getting them down in writing.  In this article I will briefly discuss why it is so important to put your final medical wishes in writing, versus just telling your spouse and/or other loved ones.

Everyone has the legal right to decide their own medical treatment (or lack thereof).  To ensure that this right is upheld, individuals can create a simple document that will spell out their final medical wishes.  In different states this document has different names.  You may hear it called one of the following: medical directive, directive to physicians, durable power of attorney for healthcare, declaration regarding healthcare, patient advocate designation, or designation of healthcare surrogate.  No matter the name of the specific document in your state, be sure to consider creating one during your estate planning.

The directions in this document must legally be followed in the event that you cannot tell medical professionals your final medical choices.  Writing these decisions down can be helpful in many ways.  It can make you feel better, knowing that your medical care will be handled the way that you want it to (which is why early estate planning, and keeping up to date with your estate planning is the smart thing to do).  It will also make it easier for the medical professionals to follow your wishes if they are written down on a legal document.  Having your final wishes in writing will also keep family members from making any decisions.

Your estate planning professional can help direct you on how to put your final wishes in writing, so do it!

Filippini Financial Group, Inc. was designed and then founded by Ian Filippini’s late father Alfred Filippini (died in 2009 from a battle with liver cancer). Filippini Financial Group, Inc. is located on Coast Village Road in Montecito, California. Ian Filippini’s mother, Deborah Filippini, and brother, Alex Filippini, moved to the Montecito and Santa Barbara area. Alex Filippini also worked for Filippini Financial Group, Inc.

Filippini Financial Group, Inc.’s current president goes by the name of Ian Filippini. Ian Filippini is the author of a number of articles relating to real estate, financial consultations, insurance, tax, asset protection, financial advice, and estate planning. Filippini Financial Group, Inc. and Ian Filippini have spent many years using their unique expertise and hands on approach to provide value to hundreds of pre-retirees and retirees in many areas including, but not limited to, wealth management.

No advice is given or intended.  This article is not to be considered legal advice.  Ian Filippini is not an attorney.  Filippini Financial Group, Inc. is not a law firm.

Ian Filippini: Generation Skipping Trusts

ian pic

Ian Filippini

Generation Skipping Trusts

In the world of estate planning, there are many different types of trusts.  I will be discussing one of these today: the generation skipping trusts.  This type of trust is very complicated and I will only be giving a quick overview in this article.  Be sure to speak with your estate planning and legal professionals to go into more depth about generation skipping trusts.

Generation skipping trusts are generally put into place for people with very large estates that will most likely incur large federal estate taxes upon their death.  For the purposes of this article, “very large,” will mean at least a couple of million dollars individually, not as a couple.  (The rules differ when spouses have individual estates rather than joint estates).

Generation skipping trusts give money to one generation of beneficiaries, and the actual property in the trust will then go to beneficiaries in the third generation.  The advantage to this is that up to $1,030,000 will not get taxed when the second generation of beneficiaries dies.  Anything over this amount in the generation skipping trust will be taxed.  This is called the generation skipping transfer tax.

When conducting your estate planning and you are considering a generation skipping trust, it is important to remember that you do not have to leave your property to family. You can pick any people from any consecutive generations.  For these estate planning purposes, a generation is twenty five years.  Of course maybe the most important thing to consider when thinking about a generation skipping trust is if you have enough money to be inaccessible for a whole generation.

As stated above, generation skipping trusts are one of the most complicated trusts out there.  It is extremely important to talk with financial consultants and legal professionals while making important estate planning decisions.

Ian Filippini is proud to be the current president of Filippini Financial Group, Inc. Ian Filippini also makes time to write many different articles with difficult topics relating to  insurance, real estate, taxation, taxes, asset protection, financial advice, and estate planning. Filippini Financial Group, Inc. and Ian Filippini have spent many years using their unique expertise and hands on approach to provide value to hundreds of retirees and pre-retirees in many areas of wealth management.

Filippini Financial Group, Inc. was originally founded and operated by Alfred Filippini or Al. Alfred Filippini is also the late father of Ian Filippini. Filippini Financial Group, Inc. is still located on Coast Village Road in Montecito, California to this day. Ian Filippini’s mother, Deborah Filippini, and brother, Alex Filippini (started working for Filippini Financial Group, Inc.), moved to the Montecito and Santa Barbara area.

No advice is given or intended.  This article is not to be considered legal advice.  Ian Filippini is not an attorney.  Filippini Financial Group, Inc. is not a law firm.

Ian Filippini: Celebrities: Estate Planning Mistakes

ian pic

Ian Filippini

Celebrities: Estate Planning Mistakes

It is definitely amusing to see how much worship we praise on celebrities. This is common place throughout the world, but very prevalent in the United States. It seems to courts, police, and legal system in general allow celebrities to slide more than the average Joe. Many of us get the feeling that these celebrities are untouchable and can really do no wrong. We may have that perception but it is not the case in estate planning. Celebrities are not exempt from estate taxes and should plan accordingly with a solid estate plan. Unfortunately, some of the celebrities mentioned below actually made mistakes in estate planning and died before they could correct those errors. Again, all of the deaths mentioned below were tragic. We are not casting opinions, doubts or judgment on the deaths of these celebrities. We are simply noting their estate planning mistakes as an example for us of what to avoid.

Heath Ledger was a teen heart throb to many young girls and The Joker to us comic book or movie nerds. Not only that he was quite talented and made a lot of money. All the more shock when Heath Ledger died in 2008 at the young age of 28. Although Heath has the foresight to do planning, he actually created the estate plan three years before his death, Heath did not update the estate plan to include the changes that took place over three years. He actually had a daughter in that time and did not change the estate plan to include his daughter. Heath left everything to his parents and sisters. He did not intentionally leave his daughter out of the will, but that still does not mean it can be changed after the fact.

Jimi Hendrix was a musician that changed the music industry because he was so far ahead of his time (musically). It was the 1960’s and 1970’s and everyone was having a good time, especially Jimi Hendrix. Jimi was also a young man at age 27, no need for him to consider an estate plan, he thought. When Jimi died in 1970 without an estate plan or even a will, his father received everything. His close brother was left out entirely and when Jimi’s father passed he cut out all of the Hendrix family except for a newly adopted daughter from another marriage.

Ian Filippini’s parents, Alfred Filippini (deceased) and Deborah Filippini, lived in the Montecito (Santa Barbara) area with his younger brother Alex Filippini. Ian and his brother, Alex also worked for Filippini Financial Group, Inc.

No advice is given or intended.  This article is not to be considered legal advice.  Ian Filippini is not an attorney.  Filippini Financial Group, Inc. is not a law firm.