Protect Your Business with Smart Succession Planning

Effective business succession planning is essential for ensuring the longevity and stability of your enterprise, especially in Colorado’s dynamic economic landscape. At Colorado Estate Services, we understand the complexities involved in transitioning business ownership and are committed to facilitating seamless successions for our clients.

To enhance our services, we have partnered with Hedberg Law Firm, a trusted firm specializing in comprehensive business planning solutions.

Understanding Business Succession Planning

Succession planning ensures businesses continue to operate smoothly during leadership transitions. Key components of a robust succession plan include:

  • Start-up and Formation: Establishing a solid legal and structural foundation for your business.
  • Operating Agreements, Articles, and Bylaws: Defining roles and responsibilities to prevent conflicts.
  • Purchase and Sale of Businesses: Facilitating ownership changes while aligning with strategic goals.
  • Adding or Removing Partners: Managing partnership changes for stability and efficiency.
  • Business Succession Plans: Strategies like Buy/Sell Agreements, Employee Purchase Rights, and Inheritance Plans for seamless ownership transitions.
  • Employee Retention Plans: Implementing tools such as Deferred Compensation Plans and Profit Sharing to retain top talent.

Addressing these areas helps businesses mitigate risks and preserve their legacy for future generations.

The Expertise of Hedberg Law Firm

With over 15 years of experience, Hedberg Law Firm represents clients through every phase of the business life cycle, from inception to succession. Their expertise ensures customized business succession plans that meet unique client goals.

Why Choose Colorado Estate Services and Hedberg Law Firm?

Our partnership offers a holistic approach to securing your business’s future. Colorado Estate Services provides estate expertise, while Hedberg Law Firm delivers tailored legal strategies for business continuity. Together, we ensure smooth transitions and the preservation of your company’s legacy.

For more details about how Hedberg Law Firm can assist with your business succession planning, visit their website at Hedberg Law Firm Business Planning.

Let Colorado Estate Services and Hedberg Law Firm help you protect what you’ve built. Contact us today to discuss your business and estate planning needs.

Top 5 Mistakes Personal Representatives Make in Probate & How to Avoid Them

Serving as a personal representative in probate comes with significant responsibilities, and mistakes can lead to delays, legal issues, and family conflicts. Some of the most common errors include failing to understand fiduciary duties, neglecting to inventory assets properly, mismanaging estate funds, overlooking tax obligations, and poor communication with beneficiaries. Each of these missteps can create unnecessary complications, but with the right knowledge and guidance, you can navigate the probate process smoothly.

By staying organized, seeking professional advice, and maintaining transparency with heirs, personal representatives can avoid these pitfalls and ensure a more efficient estate settlement. If you’re handling a probate estate in Colorado and need expert guidance, Colorado Estate Services can help streamline the process and reduce stress. Contact us today for a free consultation!

Avoid Probate with Smart Estate Planning

Avoiding probate is a crucial step in protecting your loved ones and ensuring a smooth transition of your assets. Probate can be a lengthy, expensive, and public process, but with proper planning, you can bypass it entirely. By using the right tools and strategies, you can save time, reduce costs, and maintain privacy for your family.

Key Strategies to Avoid Probate

  1. Create a Living Trust
    • A living trust is one of the most effective ways to avoid probate. Assets placed in a trust transfer directly to beneficiaries without court involvement. A trustee manages the assets and distributes them according to your wishes, ensuring privacy and reducing delays.
  2. Use Beneficiary Designations
    • Designate beneficiaries for accounts such as:
      • IRAs and 401(k) accounts
      • Life insurance policies
      • Retirement accounts
    • Keep these designations up to date, particularly after life changes like marriage, divorce, or the birth of a child. This ensures assets go to the intended recipients without complications.
  3. Joint Ownership of Property
    • Jointly owned assets automatically transfer to the surviving owner upon death. This is a simple and effective method for real estate, bank accounts, and other significant assets.

Additional Tools to Consider

  • Transfer-on-Death (TOD) Designations: In states like Colorado, you can add TOD designations to assets like real estate and vehicles. These assets transfer directly to beneficiaries without going through probate.
  • Payable-on-Death (POD) Accounts: Add POD designations to bank accounts, allowing funds to pass directly to the named beneficiary.
  • Gifting Assets: Reduce your estate size and avoid probate by giving assets to loved ones during your lifetime. Consult a tax professional to navigate potential gift tax implications.

Benefits of Avoiding Probate

  • Faster Asset Access: Beneficiaries receive assets quickly, helping them meet financial needs without delays.
  • Lower Costs: Avoiding court fees and legal expenses preserves more of your estate’s value for your heirs.
  • Privacy: Probate records are public, but strategies like trusts and direct transfers keep your financial matters confidential.
  • Reduced Conflict: Clear planning minimizes disputes among beneficiaries, as your intentions are explicitly outlined.

Challenges and Considerations

While these strategies are effective, they require careful implementation:

  • Ensure your trust is properly funded; assets not included in the trust may still go through probate.
  • Regularly review and update your estate plan to align with your current wishes and life circumstances.
  • Work with an experienced attorney to avoid errors and tailor a plan to your specific needs.


By taking proactive steps to avoid probate, you can protect your loved ones from unnecessary stress and expenses. Tools like living trusts, beneficiary designations, and TOD/POD accounts offer practical solutions to ensure a smooth transfer of assets. Regularly review your estate plan with a qualified professional to keep it current and effective. With proper planning, you can preserve your legacy, reduce conflicts, and provide peace of mind for your family.

For professional guidance on updating your estate plan after divorce, reach out to a Colorado probate attorney or contact us at Colorado Estate Services to ensure your wishes are fully protected.

No Will? Understanding How Colorado Intestate Laws Distribute Assets

When someone passes away without a will in Colorado, their assets are distributed according to the state’s intestate succession laws. These laws determine who inherits property and in what proportion. While intestate laws provide a legal fallback, they may not align with your personal wishes, leading to stress, confusion, and potential family disputes. This guide explains how intestate succession works in Colorado, the special circumstances to consider, and why estate planning is essential to avoid these complications.

How Intestate Succession Works in Colorado

Intestate succession in Colorado follows a clear hierarchy based on family relationships:

  1. Surviving Spouse and Children:
    • If the deceased leaves a surviving spouse and children, the estate is typically divided between them.
    • If the children are from a previous relationship, the surviving spouse’s share may be reduced.
    • Example: The spouse may receive a fixed amount (e.g., the first $300,000) and a portion of the remaining assets, while the rest is divided equally among the children.
  2. No Spouse or Children:
    • If no spouse or children exist, the estate is distributed to the deceased’s closest relatives:
      Parents inherit the estate if they are alive.
    • If parents are deceased, the estate passes to siblings in equal shares.
    • If siblings have passed away, their children (the deceased’s nieces or nephews) inherit the estate.
  3. No Living Relatives:
    • If no relatives can be located, the estate becomes subject to escheatment, where the assets revert to the state of Colorado. This is a last resort when no legal heirs exist.

Special Circumstances to Consider

  1. Adopted Children:
    • Legally adopted children have the same inheritance rights as biological children under Colorado law.
  2. Stepchildren:
    • Stepchildren are not automatically included in intestate succession unless they have been legally adopted. This can create challenges in blended families, underscoring the importance of a will.
  3. Unmarried Partners:
    • Colorado intestate laws do not recognize unmarried partners, regardless of the relationship’s length. Without an estate plan, assets will pass to blood relatives instead.
  4. Half-Siblings:
    • Half-siblings inherit as full siblings under Colorado intestate succession laws, ensuring they are treated equally in inheritance.

Why Intestate Succession Can Be Problematic

While intestate laws offer a legal framework, they may not reflect your personal intentions. Key issues include:

  • Delayed Distribution: Probate for intestate estates often takes longer due to legal formalities and family disputes.
  • Increased Costs: Without a clear plan, legal and court fees can significantly reduce the estate’s value.
  • Family Disputes: Rigid intestate laws may lead to disagreements, particularly in blended families or complex relationships.

How Estate Planning Can Help

Proper estate planning allows you to control how your assets are distributed and prevent the challenges of intestate succession. Key benefits include:

  • Customizing Your Plan: Decide who inherits your property, including stepchildren, unmarried partners, or charities.
  • Avoiding Delays: Streamline the probate process with a clear will or trust.
  • Reducing Legal Costs: Minimize court involvement and legal fees.
  • Protecting Family Relationships: Prevent disputes by providing clear instructions for asset distribution.

Intestate succession laws in Colorado serve as a safety net when someone passes away without a will. However, they often fail to reflect individual wishes and can create stress, delays, and legal complications for families. By taking proactive steps—such as creating a will, establishing trusts, or updating beneficiary designations—you can protect your loved ones and ensure your assets are distributed according to your preferences.

For personalized guidance on estate planning, consult an experienced Colorado probate attorney or contact us at Colorado Estate Services to secure your legacy and bring peace of mind to your family.

How Mediation Helps Resolve Colorado Probate Disputes Quickly and Affordably

Probate disputes can place immense strain on families, delaying the settlement of an estate and leading to costly litigation. Whether disagreements arise over asset distribution, executor decisions, or the validity of a will, mediation offers a practical and cost-effective alternative to court battles. This guide explains how mediation works in Colorado probate cases, its benefits, and the step-by-step process to resolve disputes amicably.

Common Probate Disputes

Probate disputes often arise from:

  1. Contesting a Will:
    Disagreements regarding the validity of a will, such as claims of undue influence, fraud, or lack of testamentary capacity.
  2. Asset Distribution:
    Conflicts over who inherits specific assets, the value of items, or disputes about fairness among beneficiaries.
  3. Executor Mismanagement:
    Allegations that the executor mishandled estate funds, failed to communicate with beneficiaries, or acted unfairly.
  4. Creditor Claims:
    Disputes regarding outstanding debts or creditor priorities can delay estate resolution and reduce the estate’s value.

How Mediation Works in Colorado Probate

Mediation is a structured process involving a neutral third-party mediator who facilitates communication and negotiation between disputing parties. Unlike litigation, mediation encourages cooperation and allows for flexible, mutually agreeable solutions.

Key Features of Mediation:

  • Neutral Mediator: An unbiased professional guides the conversation without taking sides.
  • Confidential Process: Discussions remain private, unlike public probate court proceedings.
  • Collaborative Focus: Parties work together to reach a fair compromise without court-imposed rulings.

Benefits of Mediation in Probate Disputes

Mediation offers several advantages over traditional litigation, including:

  • Cost-Effective:
    Mediation is significantly less expensive than prolonged court trials, as legal fees and court costs can quickly escalate.
  • Faster Resolution:
    Probate disputes that might take months or years in court can often be resolved in a matter of weeks through mediation.
  • Preserves Family Relationships:
    Litigation can deepen divisions among family members. Mediation encourages cooperation, helping preserve relationships.
  • Flexible Solutions:
    Unlike court rulings, mediation allows parties to craft creative and customized solutions tailored to their unique circumstances.

Steps in the Mediation Process

Here’s a step-by-step breakdown of the mediation process for probate disputes in Colorado:

  • Pre-Mediation Preparation:
    • Gather all relevant documents, such as wills, asset inventories, and executor reports.
    • Identify the key issues to address and clarify goals for resolution.
  • Mediation Sessions:
    • The mediator facilitates discussions, ensuring all parties have a chance to voice their concerns.
    • Parties collaborate to identify common ground and work toward a mutually agreeable solution.
  • Agreement Documentation:
    • Once a resolution is reached, the mediator drafts a legally binding agreement outlining the terms.
    • This agreement is submitted to the probate court for approval, ensuring it complies with Colorado probate laws.

Why Choose Mediation for Probate Disputes?

Mediation is not only faster and more cost-effective but also less adversarial than litigation. By fostering open communication and collaboration, families can avoid the emotional toll of courtroom battles while ensuring the estate is settled efficiently and fairly.


If you’re facing probate disputes in Colorado, mediation can provide a powerful, amicable solution that saves time, money, and relationships. If you’re looking for a qualified mediator in your area, you can visit the the county court’s mediation resource page to find professionals who specialize in probate disputes.

For guidance through the mediation process, consult a probate mediation specialist or Colorado Estate Services for expert support.

Divorce and Estate Planning in Colorado: What You Need to Know

Divorce brings significant changes to your life, including your estate plans and probate considerations. While Colorado law automatically revokes certain provisions benefiting an ex-spouse, relying solely on these rules can lead to unintended consequences. Failure to update your estate plan after a divorce may result in conflicts, outdated beneficiary designations, and legal complications. This guide explores how divorce affects estate plans, what probate courts enforce, and actionable steps to protect your legacy.

Key Impacts of Divorce on Estate Plans

  1. Revocation of Ex-Spouse Provisions
    • Colorado law automatically invalidates provisions in wills and trusts that benefit an ex-spouse. This includes:
      • Inheritance rights.
      • Appointment as executor or trustee.
    • However, this does not update all legal documents or designations, especially those outside of probate.
  2. Changes to Beneficiary Designations
    • Life insurance policies, retirement accounts, and payable-on-death (POD) accounts often retain outdated beneficiary information.
    • Divorce does not automatically revoke these designations, which can result in assets unintentionally going to an ex-spouse.
  3. Guardianship for Minor Children
    • Divorce requires special attention to guardianship. If one parent passes away, the other parent often assumes custody, but backup plans should address:
      • Financial support for minors.
      • Alternate guardians if both parents are unavailable.

Steps to Update Your Estate Plan After Divorce

To align your estate plan with your post-divorce wishes, follow these critical steps:

  1. Revise Your Will
    • Create a new will or update your current one to remove provisions benefiting your ex-spouse.
    • Include updated beneficiaries, executors, and guardianship instructions.
  2. Update Beneficiary Designations
    • Review and change beneficiaries for life insurance policies, IRAs, 401(k)s, bank accounts, and any TOD/POD accounts.
    • Ensure that designations align with your new estate plan to avoid disputes.
  3. Adjust Trust Documents
    • Update or revoke existing trusts where your ex-spouse is named as trustee or beneficiary.
    • Consider creating a new trust to protect your children or other heirs.
  4. Reevaluate Powers of Attorney
    • Replace financial and medical powers of attorney that name your ex-spouse as your agent.
    • Assign a trusted family member, friend, or professional to act on your behalf.
  5. Address Jointly Owned Property
    • Determine how joint assets (real estate, vehicles, financial accounts) will be titled post-divorce.
    • Retitle assets to reflect your individual ownership where applicable.

The Role of Probate After Divorce

If your estate plan is not updated after divorce, probate courts will enforce Colorado’s automatic revocation rules. However, these rules have limitations:

  • Non-Probate Assets: Beneficiary designations on retirement accounts or life insurance policies remain unchanged unless you update them.
  • Partial Plans: Outdated wills or trusts can create gaps in your estate plan, leading to disputes among heirs and costly court battles.
  • Court Delays: Without clear, updated instructions, probate courts may impose solutions that don’t align with your wishes.

Divorce significantly impacts your estate plan and probate proceedings. Relying on automatic laws isn’t enough to protect your assets and beneficiaries. By proactively revising your will, updating designations, and addressing guardianship concerns, you can ensure your estate plan reflects your new life and intentions.

For professional guidance on updating your estate plan after divorce, reach out to a Colorado probate attorney or contact us at Colorado Estate Services to ensure your wishes are fully protected.

Special Considerations for Probate with Minor Beneficiaries in Colorado

When minor children are beneficiaries in probate, additional safeguards are required to protect their interests. In Colorado, probate proceedings involving minors often involve court oversight and the establishment of trusts or guardianships. This blog highlights key considerations and best practices for managing estates with minor beneficiaries.

Unique Challenges of Minor Beneficiaries

  • Legal Restrictions:
    Minors cannot directly inherit or manage significant assets, requiring alternative arrangements.
  • Guardianship Needs:
    If parents are deceased, guardians must be appointed to care for the minors.
  • Financial Oversight:
    Courts often oversee financial arrangements to ensure the minors’ inheritance is used appropriately.


Strategies to Protect Minor Beneficiaries

  • Establish a Testamentary Trust:
    Create a trust within your will to hold and manage assets until the beneficiaries reach adulthood.
  • Appoint a Guardian:
    Clearly designate a guardian for the minors in your will to avoid court-appointed decisions.
  • Choose a Responsible Trustee:
    Select a trustworthy individual or institution to manage the trust assets on behalf of the minors.
  • Include Age-Based Distributions:
    Structure the trust to distribute funds at specific ages (e.g., 21, 25, 30) to promote financial responsibility.
  • Use Custodial Accounts:
    Consider Uniform Transfers to Minors Act (UTMA) accounts for smaller inheritances, allowing a custodian to manage funds until the minor turns 21.


Court Involvement in Probate
In cases where no trust or guardian is designated, Colorado probate courts may impose guardianships or conservatorships to manage the minors’ assets and personal care. This can lead to delays and additional legal expenses.

Planning ahead is essential when minors are potential beneficiaries in probate. By establishing trusts, appointing guardians, and outlining clear instructions, you can protect their financial future and ensure their needs are met. Work with an estate planning professional to create a comprehensive plan tailored to your family’s circumstances.

If you have any questions regarding the probate process, we’re here to help. Visit our Contact Us page for our emails and phone numbers.

How to Manage Digital Assets During the Probate Process

Digital assets, such as online accounts, cryptocurrencies, and cloud-based files, are a growing component of modern estates. Yet, they are often overlooked during probate, leading to challenges in accessing, valuating, and transferring them to beneficiaries. Proper management of digital assets is essential during the probate process in Colorado to ensure they are handled legally and effectively.

This guide explores what digital assets are, common challenges in managing them, and steps to include them in your estate plan.

What Are Digital Assets? Digital assets encompass a wide range of items, including:

  • Online Accounts: Email accounts, social media platforms like Facebook and Instagram, and subscription services such as Netflix or Spotify.
  • Cryptocurrencies: Bitcoin, Ethereum, and other digital currencies held in digital wallets or on crypto exchanges.
  • Cloud Storage: Documents, photos, and videos saved in services like Google Drive, Dropbox, or iCloud.
  • Digital Media: Purchased eBooks, music, and online gaming accounts.

Understanding the full scope of digital assets is the first step in managing them during the probate process.

Challenges in Managing Digital Assets

  • Access Issues: Many platforms require usernames, passwords, or two-factor authentication for access. Executors often face difficulties if login credentials are unavailable.
  • Legal Hurdles: Terms of service agreements and privacy laws like the Computer Fraud and Abuse Act can restrict executors from accessing digital accounts without proper documentation.
  • Valuation: Cryptocurrencies and NFTs (non-fungible tokens) are subject to market fluctuations, making accurate valuation difficult. Digital assets also lack the physical presence of traditional assets, adding another layer of complexity.

Steps to Manage Digital Assets

  1. Create an Inventory: List all digital assets, including:
    • Account names.
    • URLs for login pages.
    • Usernames and passwords (stored securely).
  2. Secure Access: Work with a probate attorney to obtain the necessary permissions or court orders to access accounts. Ensure the will or trust includes provisions for digital assets to avoid legal hurdles.
  3. Valuate Digital Assets: For cryptocurrencies and other high-value items, hire professional appraisers familiar with digital asset markets. Accurate valuation is critical for tax and distribution purposes.
  4. Distribute or Close Accounts: Follow platform-specific procedures for transferring ownership to beneficiaries or closing accounts. Examples include transferring crypto wallets or managing digital subscriptions.

Best Practices for Including Digital Assets in Estate Plans

  • Use a Password Manager
    A password manager securely stores credentials and can be shared with a trusted executor. Tools like LastPass or Dashlane can streamline access for executors.
  • Include Digital Assets in Your Will
    Clearly outline how digital assets should be managed, including who should inherit them and how accounts should be handled.
  • Appoint a Digital Executor
    Designate a digital executor familiar with technology and digital platforms to manage these assets during probate.

Managing digital assets during probate is a critical yet often overlooked aspect of estate planning. By taking proactive steps—such as creating a detailed inventory, securing legal access, and updating your estate plan—you can simplify the process and ensure your digital legacy is protected.

If you’re navigating probate in Colorado, consult a probate attorney or reach out to Colorado Estate Services for expert guidance in managing digital assets and ensuring a seamless transition for your beneficiaries.

Safeguard Your Family’s Well-Being: Vital and Revealing Questions to Ask Home Care Providers

Choosing the right home care service for your loved one is a significant decision that directly affects their comfort, safety, and well-being. Because so many options exist, being thorough and asking the right questions are crucial for making the best choice. Conducting proper research will give you confidence that your family member receives the care they deserve.

To simplify your search, we’ve put together a list of essential questions to ask when evaluating a home care provider. These questions cover everything from caregiver qualifications to emergency protocols, which ensures a well-rounded understanding of each agency’s services and policies.

  1. Are Your Caregivers Bonded and Insured?
    Check if the agency provides liability coverage and insurance for their caregivers. This ensures your peace of mind, especially in case of accidents or incidents.
  2. Are Caregivers Contracted or Full Employees?
    Knowing whether caregivers are contracted or full employees significantly impacts the quality and consistency of care. Typically, full-time employees receive more training and benefits.
  3. What Is the Cost of Your Services?
    Request a detailed breakdown of costs. Be sure to include hourly rates, minimum hour requirements, and any potential extra charges for specialized care.
  4. What Are Your Full Range of Services?
    Make sure the agency can cater to all your loved one’s needs. For instance, they should provide personal care or housekeeping, depending on what your family member requires.
  5. What Is the Community’s Backup Plan for When Caregivers Call in Sick or Don’t Make It to Work?
    Understanding the agency’s contingency plan ensures uninterrupted care for your loved one. Ask how they handle last-minute schedule changes and whether substitute caregivers are readily available.
  6. Is Care Available 24/7?
    Clarify if the agency offers around-the-clock care. Additionally, ask how they handle urgent situations outside regular business hours.
  7. What Are the Minimum Hours of Care?
    Look into the minimum service requirements. For example, some agencies may only provide care for a certain number of hours per visit.
  8. What Is Your Procedure for Emergencies?
    It is crucial to understand emergency protocols. Make sure the agency has a comprehensive plan to address urgent situations effectively.
  9. How Are Problems Addressed and Resolved?
    Ask about the agency’s process for handling complaints and resolving issues. Having a clear and efficient system ensures quality care for your loved one.
  10. Who Do I Contact for Questions or Concerns?
    Identify who to contact for addressing requests, questions, or complaints. A direct point of contact makes communication seamless and effective.
  11. How Quickly Can Service Begin?
    Ask how soon care can be arranged after the initial consultation. This information helps you plan more effectively.

These are just 11 of the crucial questions to ask when choosing a home care provider, but there are many more to consider to ensure the best fit for your loved one. For a comprehensive list and personalized guidance, don’t hesitate to reach out to Kristine Verstraete (303-775-8276) or Marnie Biln (720-837-6306) at All About Seniors or connect with Colorado Estate Services.

Avoid Regrets: Questions to Ask a Senior Community First

Choosing a senior community for a loved one is one of the most significant decisions families face. To ensure the best care and environment, it’s crucial to ask thoughtful, specific questions. Here are the essential inquiries to guide your search and give you peace of mind.

  1. What Type of Training Has the Staff Received?
    Understanding the training that staff undergo is vital. Inquire about specific certifications, ongoing education, and specialized training in conditions like dementia or Parkinson’s.
  2. Is the Focus on Person-Centered Care?
    A person-centered approach respects each resident’s individuality. Ask how the senior community personalizes care and whether they adapt strategies for different residents’ needs.
  3. What Are Your Staffing Ratios?
    Care quality often depends on how many caregivers are available per resident. Clarify the staffing ratios during the day and compare them with nighttime levels to gauge overall coverage.
  4. Staffing Differences: Day vs. Night
    Staffing often varies between day and night. Ensure there are enough qualified staff members to assist residents, especially those who may need frequent nighttime support.
  5. What Is the Procedure if Someone Falls?
    Falls are common in senior communities, so it’s crucial to understand how staff respond, including injury assessments, medical support, and communication with the family.
  6. Are Meals Included, and What About Dietary Needs?
    Ask about meal plans, dietary accommodations for health conditions, and if snacks are available between meals. Specialized diets should be supported seamlessly.
  7. Do You Accommodate Special Care Needs?
    Discuss specific needs like diabetic care, mobility assistance, or wandering behavior to ensure the community is well-equipped to handle these challenges.
  8. Is Housekeeping and Laundry Provided?
    Find out the frequency of housekeeping services and how often linens and personal laundry are changed to maintain cleanliness and comfort.
  9. What Does the Activity Program Look Like?
    Engagement and socialization are crucial for seniors. Review the calendar of events, therapy options, and whether activities align with your loved one’s interests.
  10. Are Therapy Services Available On-Site?
    Check for the availability of physical, speech, and occupational therapies. Having these services on-site is often more convenient and effective for residents.

These were only 10 of the many important questions to consider when choosing a senior community for your loved one. There are plenty more to discuss to ensure you’re making the best possible choice. To find out the rest and get expert guidance, reach out to Kristine Verstraete (303-775-8276) or Marnie Biln (720-837-6306) at All About Seniors or connect with Colorado Estate Services for personalized assistance.