The Differences Between a Will, Living Will, Trust, and Power of Attorney

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In addition to a power of attorney, there are several other documents that are critical to consider when getting your estate in order. Estate planning is the process of designating who will receive your assets and handle your responsibilities after your death or incapacitation. The main benefit of estate planning is that it ensures your wishes are carried out when you are no longer able to do so, making you feel more organized and confident that your loved ones won’t be unnecessarily burdened in the future. We will discuss some of the potential benefits of specific documents that can be included in an estate plan, such as a will, living will, and trust – as well as revisit some of the benefits of a power of attorney.

Wills

A Will is a legal document that outlines how you’d like your assets distributed after your death. It allows you to name an executor who will manage your estate, pay any debt and distribute your assets. You can also designate guardians for minor children. For business owners, a will can help successfully and efficiently transition assets.

A main benefit of a will is that although it does not avoid the probate process, it can make things much easier. Legally speaking, anything that speeds up the process of physical asset distribution can minimize fees and make things easier for everyone involved. It can also eliminate any potential family disputes over who gets which assets. However, it’s important to remember that a will is only a roadmap. It’s best to make sure that all of your financial assets and valuable possessions (like a home or a car) have beneficiaries named in other documents besides the will.

Living Wills

A living will, also known as an advanced healthcare directive, states your wishes regarding life-prolonging medical treatments. It comes into play only when an individual faces a life-threatening condition and is unable to communicate their desires for treatment.

One of the main benefits of a living will is that it speaks for you when you become incapacitated or unable to communicate – it states your desires for medical treatment if you are unable to make those decisions yourself. Without a living will, decisions regarding medical care become the responsibility of a spouse, family members, or other third parties. These individuals may be unaware of your desires if they are unwritten.1

Trusts

A trust is a legal entity that can “own” assets. The document looks much like a will, and includes instructions for who is to handle final affairs and who is to receive the deceased’s assets. There are many types of trusts.

Today, many people use a revocable living trust instead of a will in their estate plan because of this benefit – it avoids court interference at death and at incapacity. For a living trust to work properly, you must transfer your assets into it. Titles must be changed from your “individual” name to the name of your trust. Because your name is no longer on any titles, there is no reason for the court to get involved if you become incapacitated or when you pass away. This makes it easy for a trustee or successor trustee, to step in and manage your financial affairs. Another benefit of a trust is that it is private, whereas a will is not because it goes into public records.

Power of Attorney

Typically, a power of attorney (POA) is a document that authorizes someone to handle financial and some legal decisions when you become incapacitated. Anyone you trust, such as a family member or friend, can serve in this role for you. You can even designate more than one person, assigning different responsibilities to each.

It’s important to have a power of attorney, because it will allow the person you assign to act on your behalf when you are unable to do so yourself. Without a power of attorney, a court may be left to decide what happens to your assets if you are found to be mentally incompetent, and the court’s decision may not be what you intended. A POA can give your agent the power to transact real estate, perform financial transactions, and make other legal decisions as if he or she were you. It’s important to reiterate that you assign this person – meaning you can select a person whom you believe will be able to carry out your wishes and ensure your affairs are kept in order.

Estate plans are not “one-size-fits-all.” It is up to you to determine which components are best for you and your loved ones. Although it might feel overwhelming, starting with one or many of these items will give you peace of mind in knowing you have taken the first step to creating your estate plan.

Should you be thinking about your financial future and retirement, as well as estate planning – the First Financial Investment & Retirement Center will be hosting an exclusive no-cost virtual seminar on the Transitions to Retirement featuring a bonus segment on Estate Planning, on Wednesday, October 8th at 6pm.

(697533-1 and 622155)

You can register for this session from the link above or by contacting Maureen McGreevy, LPL Financial Advisor at 732.312.1534 or emailing maureen.mcgreevy@lplfinancial.com

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First Financial Federal Credit Union (FFFCU) and First Financial Investment & Retirement Center are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using First Financial Investment & Retirement Center, and may also be employees of FFFCU. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of FFFCU or First Financial Investment & Retirement Center.

Securities and insurance offered through LPL or its affiliates are:

This information is not intended to be a substitute for individualized legal advice or estate planning advice. Please consult your legal or estate planning advisor regarding your specific situation.

Sources:

  1. Investopedia.com, February 17, 2025

LPL tracking #’s referenced: 1-05375681, 676252, 653950, 513868

Things to Do on a Budget in Monmouth & Ocean Counties this October 2025

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You won’t be-leaf how easy and affordable it is to enjoy fall with these free or inexpensive (and sometimes spooky) events in Monmouth and Ocean Counties this October!

October 3

Jacks & Lights (Lacey) – Embark on an enchanting jack o’ lantern-lit stroll at Argos Farm on select Thursdays through Sundays until November 2nd at various times. Once the sun sets, the lights of thousands of jack o’ lanterns will lead you on an adventure through a glowing pumpkin trail. You can end the night by trick or treating yourself to one of the many pumpkin-themed treats that the eateries will be serving. Your general admission ticket includes access to the lighted pumpkin trail, flashlight corn maze, access to spook-easy (for those ages 21+), pumpkin patch, and photo ops. The ticket price varies depending on the date and purchase method. Click here to learn more and purchase tickets.

October 4

Fall Festival (Lacey) – The Fall Festival at Argos Farm is still here to give you a day that looks like it’s straight out of a movie on select dates at various times through November 1st. You can stroll through the pumpkin patch, find your way through a corn maze, sample tasty seasonal treats, enjoy live music, check out fun farm attractions, and more. General admission is $19.95 in advance and $23.95 at the gate, and children ages 2 and under are free. Learn more and purchase tickets here.

Fall Fun Fest & Bull Riding Rodeo (Manalapan) – From farm fun attractions to a bull riding rodeo show (and of course, pumpkins) – this Fall Fun Fest at Maple Leaf Farms has it all. The farm is open every weekend through November 1st from 10am-5pm, giving you plenty of opportunities to enjoy this ultimate autumn adventure that the whole family will love. There will be live country music, bull riding and pig races, unique activities, and more. Tickets are $26 for those ages 2 and above and can only be purchased at the door. Click here to learn how you can saddle up for this fun-filled fall experience.

Fall Harvest Festival Arts & Crafts Show (Ocean Grove) promises a day full of family-friendly fun, food, and live music at Auditorium Square Park from 10am-4pm. Plus, there will be arts and crafts to peruse and purchase from local vendors. There is no entry fee to attend, but there will be items available for purchase. Learn more here.

October 5

Oktoberfest (Freehold) – For the third year in a row, Freehold Borough is shutting down West Main Street from 12pm-7pm for a family-fun Oktoberfest celebration. The street will transform into a lively festival – featuring live music all day, delicious food and beverages, a beer garden for ages 21+, vendors selling specialty craft items, family games, and more. There is no entry fee to attend, but there will be items available for purchase. Click here to learn more.

October 10

Night of Frights (Wall) – When the sun sets, the ghouls, ghosts, and monsters at the Historic Village at Allaire come out! Beginning at 6pm – the village grounds and historic buildings will be home to glow-in-the-dark bubble shows, appearances from a fire juggler and sword swallower, scary displays and scenes, frightful storytelling at the chapel, live ghosts and goblins, and more. Although this is a family-friendly event, there may be stories or displays that could give young ones a fright – so please be aware. Admission is $20 for those ages 13 and older, $15 for children ages 4 to 12, and children 3 and under are free. You can find more details and purchase tickets here.

October 11

Oktoberfest (Red Bank) – Red Bank is bringing a taste of German cuisine and culture to town in Edmund Wilson Plaza from 1pm-5pm. There will be tastings of beer, wine, and spirits (for those ages 21+), authentic food, live music and entertainment, a craft vendor market, a kid’s zone, and more. There is no entry fee to attend, but there will be items available for purchase. Learn more here.

October 17

Dark History & Hauntings of Freehold – Take a leisurely and spooky walking tour to learn about the dark history, ghost stories, and urban legends of downtown Freehold – happening on various nights in October from 7pm-8:30pm. Meet at the Battle Monument near the courthouse to begin the tour, if you dare. Admission is $25 for those ages 13 and older, and $20 for children ages 12 and under. Although this is a family-friendly event, there could be stories that spook your little ones – so please be aware. All sales are final – the walking tours will happen rain or shine. Click here to see the various event dates and purchase tickets.

October 18

Fall Fest & Optimist Annual Car Show (Howell) – Enjoy the cool weather and rides at the Fall Fest & Optimist Annual Car Show in Soldier Memorial Park from 11am-4pm. This festival is the perfect pit stop to check out unique cars, enjoy live entertainment, sample food trucks, sip on beer/wine (for those ages 21+), sit around a fire pit, and more. There is no entry fee to attend, but there will be items available for purchase. Click here to see how you can enjoy the unique mashup of a fall festival and car show.

Harvest Arts Festival (Toms River) – Head over to Washington Street from 11am-5pm for a festival that features the best of family-friendly fall fun. Downtown Toms River will be jam-packed with free kids’ games and activities, live bands, merchandise and handcraft vendors, food trucks, and more. There is no entry fee to attend, but there will be items available for purchase. Click here to see how you can fall into fun with the whole family.

October 19

Trunk or Treat (Aberdeen) will be held at Matawan Regional High School from 1pm-5pm. Come trick or treat, check out the decorated trunks, hop on a hayride, visit the vendors, and more. If you are interested in decorating your trunk, you must sign up here in advance. The trunks will go head-to-head, and the winner of the best trunk design will win a prize. There is no entry fee to attend, but guests are asked to donate one bag of candy upon entry. Click here for more information.

Halloween Spooktacular Haunted Hayride (Freehold) – Scare or be scared at the Halloween Spooktacular Haunted Hayride, with rides starting at the West Main Street Wells Fargo Parking Lot at 1pm. The community comes together to decorate homes, act out spooky scenes, and haunt the passengers who dare to get on the hay wagon and embark on the haunted route. The hayrides are on an approximate schedule. Wristbands will be distributed starting at approximately 12:30pm and are free, though the hayride line will be closed once all wristbands are given out. There will be no-cost family fun activities to enjoy in the parking lot after you return. Learn more here.

October 25

All Hallows Eve Along the Burlington Path (Colts Neck) – A spooky night is brewing at Colts Neck Firehouse #1 from 5pm-8pm. The spirit of Halloween will come alive with activities like a pick-your-own pumpkin patch, spooky tales by the bonfire, hayrides, costume contests, and more. Admission is $10 for adults, $5 for children, and children 2 and under are free. Click here to learn more about how you can celebrate Halloween a week early.

Halloween Moonlit Market (New Egypt) – If trick-or-treating isn’t for you, go treasure-hunting instead at the Halloween Moonlit Market – happening at the New Egypt Flea Market Village from 5pm-9pm. The Moonlit Market is the perfect opportunity to show off your Halloween costume, shop for local treasures, and enjoy the autumn air. There is no entry fee to attend, but there will be items available for purchase. Learn more here.

Trunk or Treat (Manchester) – Fill your Halloween basket (or pillowcase) with candy a week early at the Manchester Trunk or Treat, taking place at Manchester Township High School from 7pm-9pm. Aside from early trick-or-treating – you can enjoy a haunted bus, face painting, and more. Admission is $2 per person. Click here to learn how you can add even more treats to your spooky season!

October 26

Halloween Spooktacular Costume Parade (Freehold) – The streets of Freehold will turn into a runway to show off your Halloween costume for a chance to win a prize, beginning at 12pm at the Freehold Raceway parking lot Manalapan Avenue entrance. Participants must check-in at noon and will be given a number to be pinned to their costume. Judges will be on the lookout for the best costumes and decide whose costume takes home the top treat. The participants will then follow the parade route as members of the community watch from the sidelines. There will be complimentary refreshments in the Hall of Records after the parade. There is no entry fee to participate in or watch the parade. You can learn more here.

October 31

Fall Friday Outdoor Movie Night Series (Red Bank) – Celebrate Halloween with a twist by catching the last installment of this movie night series at Coffee Corral, beginning at 6:30pm. In the spirit of Halloween, the selected movie will be Ghostbusters. Cozy up with a blanket or beach chair, grab a treat from the Corral, and enjoy the film under the crisp autumn air. There is no entry fee to attend, but there will be popcorn and other snack items available for purchase. Click here to learn more.

Halloween Party & Watch the Parade (Toms River) – Celebrate the spookiest night of the year at the Mathis House from 5pm-9pm. Break out your costume and enjoy music, an outdoor buffet, kids’ activities, and more. Plus, you’ll have the perfect view of the Downtown Toms River Halloween Parade as it goes by. Tickets are $25 for adults, and $15 for children ages 12 and under. You can find additional information here.

Unemployment Scams: How to Protect Yourself

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Unemployment benefits are meant to help people without a job during tough times. Unfortunately, scammers have been known to sometimes take advantage of the system by filing for these benefits using someone else’s personal information. Even if you never applied for unemployment, you could suddenly receive benefits notices, tax forms, or even payments tied to your identity. That’s a big red flag. Keep reading to learn how to spot an unemployment scam and ways you can protect yourself and your finances.

How to Spot an Unemployment Scam

There are often a few telltale signs something isn’t right. If you applied for unemployment, you might find that your application was denied because someone already filed under your name, or that your benefits were approved – but the money never arrived.

If you didn’t apply, you may receive letters from the state unemployment office, a notice from your employer that someone used your identity, or even a 1099-G tax form showing unemployment income you never received. In some cases, money may even show up in your bank account, followed by a call from someone claiming it was a mistake.

Why This Matters

Unemployment scams often lead to bigger problems. Identity thieves may use your personal details to commit other types of fraud, damage your credit, or create headaches at tax time. If you do ever need unemployment benefits in the future, your claim could also be delayed or denied.

How to Protect Yourself

To avoid an unemployment scam from happening to you:

  • Only share sensitive information like your Social Security Number or bank details through official, trusted channels.
  • Always file for unemployment directly through your state’s unemployment agency website.
  • Monitor your credit reports for suspicious activity and consider freezing your credit if you suspect fraud.
  • Watch for IRS forms that don’t match your situation, such as a 1099-G for benefits you didn’t receive.
  • Report suspicious activity right away to your state unemployment office, your employer, and the FTC.

First Financial is Here for You

At First Financial, we take your security seriously. Our team works around the clock to protect our members’ accounts, monitor unusual activity, and provide resources if you think you’ve been a victim of fraud. If you ever suspect an unemployment scam or identity theft regarding one of your First Financial accounts, reach out to us immediately – we’re always here to help safeguard your finances.

Stay up to date on the latest in scams by subscribing to our First Scoop Blog, and following along with our Important Alerts and Scams articles.

Budget Friendly Fall Activities for Kids

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Autumn is the perfect season for family fun. Crisp air, colorful leaves, and plenty of opportunities to create lasting memories without stretching your wallet. At First Financial, we know that keeping kids entertained while staying on budget matters. That’s why we’ve rounded up a few creative, affordable activities your whole family can enjoy this fall.

1. Go on a DIY Nature Hike & Scavenger Hunt

Turn an afternoon walk into an adventure by creating a fall-themed scavenger hunt. Make a checklist of things to find – such as acorns, pinecones, colorful leaves, or animal tracks. Kids love the thrill of the hunt, and it’s a great way to teach them about nature while staying active. Bonus: Items you find can also be used for fun craft projects at home.

2. Create Fall Crafts from Nature

Put those collected treasures to good use! Acorns, dry leaves, pinecones, and twigs can be turned into seasonal crafts. Try leaf rubbings with crayons and paper, paint pinecones to make mini “pumpkins,” or glue acorns and leaves onto a festive fall collage. These crafts can also double as low-cost home décor.

3. Host a “Home” Tailgate

You don’t need tickets to enjoy the excitement of football season. Set up a tailgate-style party in your living room or backyard with homemade snacks, team colors, and your favorite team on TV. Kids can help prepare food, make banners, and join in on family-friendly games like cornhole or a mini football toss.

4. Try Spooky Science Experiments

Get into the Halloween spirit with simple at-home science experiments. Create a bubbling “witch’s brew” with baking soda and vinegar, or make ghostly slime with glue, contact solution, and a little food coloring. These activities are both fun and educational, sparking kids’ curiosity while keeping the spooky vibes alive.

5. Enjoy Classic Fall Favorites

Sometimes the simplest activities are the best. Carve or paint pumpkins together, bake a homemade apple pie, or snuggle up with hot cocoa and a fall-themed movie. These small traditions go a long way in making the season special.

Family fun doesn’t have to come with a high price tag. With a little creativity, you can make this autumn both memorable and budget friendly! For more family tips and financial resources, check out our First Scoop blog! You can also find our monthly Things to Do on a Budget in Monmouth & Ocean Counties posts, around the first day of each new month. Be sure to comment and let us know if you tried any of these fall family activities. Have a great autumn!

When to Take on Business Debt

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Running a small business means balancing growth goals with financial responsibility. When borrowing is used smartly – it can help you scale, stay agile, and keep full control of your business. Here’s when it makes sense to take on business debt, the risks to watch out for, and how First Financial may be able to help your Monmouth or Ocean County small business.

When to Consider Business Debt

  • For Growth & Expansion – Moving into a bigger space, buying more equipment, or hiring staff often requires upfront capital.
  • To Seize a Timely Opportunity – Sometimes favorable deals (bulk inventory, discounted real estate, or contracts) pop up, and having access to borrowed funds lets you act quickly.
  • To Build Business Credit – Paying off smaller loans or lines of credit on time helps improve your credit profile, setting you up for better terms in the future.
  • For Smoothing Cash Flow – For seasonal businesses or those with irregular income, a line of credit or short-term business loan may help bridge gaps for payroll or supplier payments.
  • When Rates are Low – When interest rates are favorable, debt can be a cost-efficient way to access capital. Interest is also often tax‐deductible.

Why Debt Might Be Better Than Equity

  • You Retain Ownership & Control – You won’t need to give up business shares or decision-making power.
  • Predictability of Cost – Loan payments will be fixed; equity comes with sharing profits (possibly indefinitely).
  • Tax Benefits – Interest payments are usually deductible, lowering your taxable income.
  • Strengthened Credit Profile – Successful borrowing builds business credit, making future financing easier.

Risks to Watch Out For

Borrowing also comes with responsibilities that should not be overlooked. Loan payments are fixed obligations, which can put pressure on your business if revenue dips. Taking on too much debt increases financial vulnerability, particularly during economic downturns. The terms of the loan also matter, such as interest rate, collateral requirements, and fees – which can all add costs or limit flexibility. If not managed carefully, debt can restrict strategic business choices and impact long-term stability, making it crucial to borrow with a clear purpose and repayment plan.

How First Financial Can Support Your Small Business

At First Financial, we’re here to make the borrowing process easier with flexible lending solutions. Some of our offerings include:

  • Commercial Real Estate Loans to help you expand or invest in property.
  • Commercial Vehicle and Equipment Loans to keep your operations moving.
  • Business Lines of Credit for on-demand access to working capital.
  • We also offer a VISA Business Cash Plus Credit Card for everyday spending needs, and 1% cash back on unlimited purchases.*

​​You can learn more about our business loan offerings on our website. With personalized service and competitive rates, First Financial is committed to helping your small Monmouth or Ocean County business grow smartly and sustainably.

*This APR of 18% is for purchases, balance transfers, and cash advances and will vary with the market based on the Prime Rate. Subject to credit approval. Rates quoted assume excellent borrower credit history. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. No Annual Fees. Other fees that apply: Balance Transfer and Cash Advance Fees of 3% or $10, whichever is greater; Late Payment Fee of $35, $10 Card Replacement Fee, and Returned Payment Fee of $35. A First Financial membership is required to obtain a Visa® Business Cash Plus Credit Card and is available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan. Your First Financial Visa® Business Cash Plus Card will earn cash back based on your eligible purchase transactions. The cash back will be applied to your current credit card balance on a quarterly basis and be shown cumulatively on your billing statement. Unless you are participating in a limited time promotional offer, you will earn 1% cash back based on eligible purchases each quarter.

How to Detect and Prevent Power of Attorney Fraud

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Along with the potential benefits associated with establishing a power of attorney, come potential risks to consider. Our first article in this series discussed what a power of attorney (POA) is – a legal document that ensures your wishes (typically having to do with your assets), are carried out in a manner that you as the principal approve of. It gives a trusted person (often referred to as an agent), the legal authority to handle these wishes. Anyone you trust – such as a family member or friend, can serve in this role for you.

Even when designating someone you trust as your POA, the risk of fraud and abuse can still exist. This person may perform actions that the POA document does not authorize, manipulate you or your assets for their own personal gain, or not act in your best interest.1

There are several ways in which POA fraud and abuse can occur, so it is best to become familiar with some of them so you can recognize if it may be happening to you or someone you care about.

Financial Exploitation: In this instance, the agent may use the principal’s money for their own gain instead of the principal’s needs – often without informing the principal. They may withdraw funds from the principal’s accounts for their own use or conceal the reason for withdrawing the funds. They may justify an expenditure by saying it was for the principal’s benefit, but then use the funds for something that does not align with the principal’s needs or wishes.2

Unauthorized Gifting: This occurrence happens when the agent authorizes gifts to themselves or other family members without the authority to do so, without the principal’s knowledge, or without considering if it is in the principal’s best interest. Gifting is unauthorized if the POA does not explicitly authorize gifting, which can include recipients and the dollar amount(s) that may be gifted.3 If gifting is authorized – the agent should consider the principal’s entire financial situation, upcoming financial obligations, and if it is consistent with their personal character. 3

Neglect of Duties: Neglect occurs when the agent does not provide care as required by the POA – such as meeting medical needs or providing adequate living conditions. 2 This can also take the form of neglecting financial responsibilities, such as not paying bills.

What are common red flags of POA fraud?

  • Bills are unpaid, even though there should be sufficient funds to pay them. This can suggest that the agent is using the funds for unauthorized purposes or neglecting to manage the principal’s financial obligations.
  • Sudden, unexplained changes to legal documents. Especially if the changes benefit the agent, or if the principal is unaware of or didn’t consent to the changes.2
  • Information is being withheld from the principal and principal’s loved ones. The agent may avoid answering questions or giving information about the principal’s financial situation, including their bank accounts or investments.4
  • The principal becomes isolated from loved ones. The agent may isolate the principal from those who care about them so that it is harder to detect if something is not right. Isolating the principal also allows the agent to exercise more control, without the potential for others to intervene. 2

How can you protect yourself from POA fraud and abuse?

  • Choose your agent wisely. Choosing an agent that you trust, and whose values align with your own, to ensure they are capable of following your wishes and putting your needs first.2
  • Specify the scope of the POA. Clearly defining tasks, responsibilities, and decisions to be made on your behalf can minimize the potential for abuse.2 This aligns the power that is legally granted with your intentions, and only gives the agent the authority needed to carry out your wishes.
  • Clearly communicate with your agent. Continually check in with your agent to confirm your wishes and preferences. Promptly make any changes you desire to the POA so that the agent remains aligned with your wishes.
  • Inform trusted individuals about your POA. By informing trusted individuals such as family, friends, and business partners about your POA – they can be on the lookout for any red flags that signal fraud or abuse.
  • If possible, remain involved in decision-making. Review the agent’s activity, such as any financial transactions they are conducting or any medical decisions they are making on your behalf. This encourages transparency between you and the agent and keeps you involved in your affairs, to the degree you wish to be. 2

To report POA fraud, contact Adult Protective Services (APS) in your state or to the National Center on Elder Abuse (NCEA). Any identity theft incidents related to fraud should be reported to the principal’s financial institution, the local police, and to the Federal Trade Commission at identitytheft.gov.

If you are thinking about your financial future and retirement, as well as estate planning – the First Financial Investment & Retirement Center will be hosting an exclusive no-cost virtual seminar on the Transitions to Retirement with a Focus on Estate Planning, on Wednesday, October 8th at 6pm.

(697533-1 and 622155)

You can also register for this session by contacting Maureen McGreevy, LPL Financial Advisor at 732.312.1534 or emailing maureen.mcgreevy@lplfinancial.com

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First Financial Federal Credit Union (FFFCU) and First Financial Investment & Retirement Center are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using First Financial Investment & Retirement Center, and may also be employees of FFFCU. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of FFFCU or First Financial Investment & Retirement Center.

Securities and insurance offered through LPL or its affiliates are:

This material is for general information only and is not intended to provide specific advice or recommendations for any individual. For individual estate planning advice, consult with an estate attorney.

  1. John Lewandowski of Heban Murphree Lewandowski Law, March 12, 2022
    1. What Is Considered Power of Attorney Abuse? | HML Law
  2. Edward Gates for American Judicial System, October 10, 2023
    1. How Do You Prove Power Of Attorney Abuse: Steps and Strategies for Justice
  3. National Research Legal Group, Inc., June 19, 2019
    1. ESTATES: Gifts Under a Power of Attorney
  4. Mark R. Manceri, P.A., June 9, 2023
    1. 6 Warning Signs That Power Of Attorney May Be Abused