Did you know that one in two U.S. citizens have yet to create a plan for their estate? Just about everyone knows they need to get their affairs in order, but most people procrastinate when it comes to estate planning. It's an uncomfortable subject to think about. After all, nobody wants to ponder their death and what happens to their assets when they pass. However, working with an estate planning lawyer in Awendaw, SC, protects you, your loved ones, and your assets, both while you're alive and after you have died. There isn't a perfect time to plan your estate, but there is a right time and that time is now.
We understand that there is no "one-size-fits-all" solution to your estate planning needs. That's why, at Cobb Hammett Law Firm, we make a concerted effort to speak with our clients personally so that we can create an estate plan that is as unique as they are. Our estate plans are comprehensive, cost-effective, and catered to you. That way, your family is provided if you are incapacitated or pass away.
At the end of the day, our goal is to make sure that every one of our clients leaves our office feeling less stressed and more informed. Peace of mind is valuable currency these days. Why worry about the future of your loved ones when you can use South Carolina law to ensure their stability?
Many of the clients in Awendaw, SC that walk through our doors have significant questions that require serious answers. They're filled with doubt, stress, and worry. They're worried about their children, their spouse, their relatives, or all the above. They ask questions like:
If these questions sound familiar, know that you are not alone. At Cobb Hammett Law Firm, we have worked with hundreds of clients just like you. Sometimes, these clients are unsatisfied with their current estate planning attorney in Awendaw, SC. Other times, they have been served with confusing papers or documents that leave them feeling overwhelmed. In either case, clients come to our office knowing they need to manage what is often a sudden, foreign situation.
The good news? We sit down with all new clients for an hour at no extra cost. We do so to get a basic sense of their situation and help steer them in the right direction. That way, they can leave our office feeling a little wiser and a lot better about the future.
Our firm specializes in several areas of estate planning and family law, including:
At Cobb Hammett, LLC, estate planning is like second nature to us. Having worked hundreds upon hundreds of cases, we have the knowledge and experience to assist with all the estate planning needs that you or your family have.
As our client, you will always work directly with your attorney. We do not pass cases off to paralegals or junior associates. Because your concerns and questions don't end when our office closes, we encourage our clients to contact us at any time.
Because we limit the number of cases we accept, we have the time and resources to truly dedicate ourselves to each of our clients. Unlike some competitors, we care about the outcome of every case because we know that our clients' future depends on it.
The word "estate" might make you think of a sprawling mansion in the French countryside. The truth is, you don't have to be rich to have an estate. In fact, most people already have an estate. An estate comprises the assets that a person owns like cars, bank accounts, real estate, businesses, and other possessions. Everyone's estate is different, but we all have one thing in common: none of us can take our estates with us when we die. When that does eventually happen, you will need legal instructions that state who gets what from your estate in plain terms.That, in a nutshell, is estate planning building a framework in advance that names the organizations or people that should receive your assets after you die. Planning your estate now helps make life much easier for your family down the line.
Contrary to popular belief, estate planning isn't just for adults who are approaching retirement age. Estate planning is for everyone. After all, we're all getting older, and none of us know exactly when it will be our time to go.
Although estate planning can be complicated, a well-rounded plan makes a huge difference in what is left to your beneficiaries. Before you start planning your estate, it's important to know a few common topics that may arise as you detail your needs.
Working with a veteran estate planning lawyer is a no-brainer, but you should consider working with a tax advisor too. Your attorney's role is to help guide you through the creation of your estate planning documents. Common documents include your will, health care directives, and power of attorney. Your tax advisor will help guide you through tax issues associated with your estate planning needs.
In this relationship, you make the decisions while your attorney and tax advisor help you understand and think through the options you're considering. As a team, they will help you state your wishes clearly while minimizing mistakes and adjusting your plans as they change. Because significant savings can result from thorough, informed planning, you should seriously consider working with a tax advisor in addition to your estate planning attorney.
If there were one overriding theme of estate planning, it would be maximizing what you plan to leave behind. Thinking through how each of your assets will be distributed is crucial to your estate. Your decisions may change depending on the type of asset, its size, how old you are, and several other factors. With an attorney on your side, you will gain a thorough understanding of what actions you should take to care for your family while minimizing expenses like taxes and court fees.
One of the biggest parts of maximizing what you're leaving behind is to minimize taxes. Federal taxes on estates and gifts are incredibly high. Both forms of taxes usually have exemption limits, which means you can give up to a specific amount without being taxed. Your lawyer can achieve that by using the gift tax exemption to move assets while you are still alive. This strategy maximizes how much your beneficiaries will receive.
Inheritance taxes are often based on the value of your estate and paid prior to asset distribution to your beneficiaries.
The executor of your estate plays a key role in your affairs. Their responsibilities include carrying out the terms of your will and seeing the estate settlement process through until the end. Obviously, such a role demands a qualified person. Choosing your executor isn't an easy decision. The person you select should be great at managing money, be savvy financially, and show an ability to be patient. That's because the executor is tasked with:
If the person that you choose as executor is inexperienced with the estate settlement process, it is recommended that they lean on an estate planning attorney in Awendaw, SC for guidance. It should be noted that you may appoint more than a single executor to your estate. This is common when two individuals have complementary personalities or skill sets.
One of the biggest benefits of planning your estate is the peace of mind it brings to you and your family. With the help of our expert estate planning attorneys, you have the power to protect your assets, privacy, and children's welfare. You can also potentially save money on taxes or even avoid probate. By having your wishes legally documented before death or incapacity, you can minimize any impact on your beneficiaries and take control of your legacy. Without a comprehensive estate plan, you're leaving the future of your loved ones in the hands of the South Carolina court system.
With an estate plan in place, you can plan for incapacity by using a power of attorney or advanced medical directives. Doing so relieves your loved ones of the burden of asking the court for the authority to fulfill your wishes.
At Cobb Hammett Law Firm, we are committed to helping you prepare for both the expected and unexpected through years of experience and a fierce dedication to our clients. From establishing trusts to designing business succession plans, we are here to fight for you.
If a husband and wife each purchase reciprocating will packages we give a discount. Reciprocating just means the husband names the wife and the wife names the husband. Those four documents are:
As mentioned above, everyone's estate planning needs will be different. However, most plans include one or more of the following documents:
Your will is an essential piece of documentation and is often considered the cornerstone of a proper estate plan. Generally speaking, your will is a document that dictates the distribution of your assets after your death. Having an iron-clad will is one of the best ways to make sure that your wishes are communicated clearly. As is the case with most estate planning, it is highly recommended that you work with an estate planning attorney in Awendaw, SC, to create and update your will.
The contents of a will typically include:
Without a will in place, the State of South Carolina will decide how to distribute assets to your beneficiaries. Allowing the state to distribute your assets is often an unfavorable route to take, since the settlement process may not include what you had in mind for your survivors. Having a will drafted that reflects your wishes will prevent such a situation from happening.
Despite its name, a living will does not instruct your survivors on what assets go where. Also called an advanced directive, your living will allows you to state your end-of-life medical wishes if you have become unable to communicate. This important document provides guidance to family members and doctors and solidifies certain issues like whether you should be resuscitated after an accident.
For example, it's common to direct that palliative care (care to decrease pain and suffering) always be administered if needed. Conversely, you may state that certain measures are not allowed, like CPR.
Traditionally, a trust is used to minimize estate taxes and maximize other benefits as part of a well-rounded estate plan. This fiduciary agreement lets a trustee hold your assets on behalf of your beneficiaries. There are many ways to arrange a trust to specify when and how your assets are distributed.
With a trust in place, your beneficiaries can avoid going to probate. That means they may be able to gain access to your assets quicker than when they are transferred with a standard will. Assets placed in a trust can pass outside of probate, which will save you and your family time, money, and stress.
There are two distinct trust categories that you should be aware of: revocable and irrevocable.
Also called a living trust, a revocable trust helps assets circumvent probate. With this trust, you can control your assets while you are still alive. These trusts are flexible and may be dissolved at any point in time. This type of trust becomes irrevocable upon your death. Revocable trusts can help you avoid the pitfalls of probate but be aware that they are usually still taxable.
This kind of trust transfers assets out of your estate so that they are not taxed and do not have to go through probate. However, once an irrevocable trust has been executed, it may not be altered. That means that once you establish this kind of trust, you lose control of its assets and cannot dissolve the trust. If your primary goal is to avoid taxes on your estate, setting up an irrevocable could be a wise choice.
When drafted with the help of an estate planning lawyer in Awendaw, SC, your trust can also:
When constructed properly, a trust can protect your estate from your heirs' creditors. This can be a huge relief for beneficiaries who might need to brush up on money management skills.
Probate records are made available for public consumption. With a trust, you may have the choice of having your assets pass outside of probate court so that they remain private. In the process, you may also save money that you would lose to taxes and court fees.
Because you can specify the exact terms of a trust, you have more control over who receives your assets and when they receive them. As an example, you can set up a revocable trust so that your assets are attainable while you're alive. When you pass, remaining assets are distributed, even in complex situations involving children from multiple marriages.
If you know that you need to provide for your family and loved ones after your death, it's time to develop your estate plan. With Cobb Hammett Law Firm by your side, planning your estate doesn't have to be difficult. However, it does need to be accurate and executed exactly to your wishes something that we have been helping clients achieve for years. Don't leave your legacy up to chance contact our office today and secure your future generations.
CONTACT USAWENDAW — Construction on a development in the town’s White Tract might soon be put back on hold.Two environmental groups are asking the S.C. Supreme Court to reinstate a freeze on the project while a legal challenge against the subdivision’s permits pushes ahead.The Tract is located at the intersection of Sewee and Bulls Island roads just off Highway 17, where it abuts the Cape Romain National Wildlife Refuge on one side and the Francis Marion National Forest on the other.A planned subdivision in the W...
AWENDAW — Construction on a development in the town’s White Tract might soon be put back on hold.
Two environmental groups are asking the S.C. Supreme Court to reinstate a freeze on the project while a legal challenge against the subdivision’s permits pushes ahead.
The Tract is located at the intersection of Sewee and Bulls Island roads just off Highway 17, where it abuts the Cape Romain National Wildlife Refuge on one side and the Francis Marion National Forest on the other.
A planned subdivision in the White Tract has been the focus of a yearslong battle between conservation and construction. In the latest entry in that dispute, the South Carolina Environmental Law Project and Friends of Coastal South Carolina in February filed a challenge to the development’s stormwater and regulatory permits.
The two groups say the project could harm the nearby wildlife refuge. A previous hold on the project stemming from that challenge was lifted by a court in mid-June.
Amy Armstrong, the executive director of the Law Project, said that weighing the environmental impact of a project after it’s already been partially constructed is essentially putting the cart before the horse.
“Protecting the status quo until the court can hear and decide the case is essential — otherwise a permit appeal would become moot before a judge could decide whether the permit is lawful,” Armstrong wrote in a news release.
Atlanta-based Pulte Homes plans to eventually build more than 200 homes across 182 acres on the Tract, according to the Law Project.
A spokesperson for Pulte Group, Pulte Homes’ parent company, did not respond to a request for comment on the latest legal move.
The environmental groups contend the homes’ septic tanks could illegally discharge human excrement into the refuge — a common issue in other septic tank developments across coastal South Carolina.
“If Cape Romain is not worthy of the highest level of protection, no place is truly protected,” Grace Gasper, executive director of Friends of Coastal South Carolina, wrote in a news release.
State officials are lending their support to the non-profits’ cause.
“These valuable wetlands, in their present condition, must be preserved and the site left undisturbed so as to prevent irreparable harm pending resolution of the contested case proceedings,” Tom Mullikin, the director of the S.C. Department of Natural Resources, wrote in an affidavit accompanying the groups’ Sept. 16 petition.
Mullikin noted that the project falls within the refuge’s congressionally approved acquisition boundary, meaning the feds have highlighted the area for future inclusion in the refuge. That means it’s also a conservation priority for the state, he wrote.
“Commencement of construction, including clearing, grading and filling of the wetlands, would permanently eliminate a resource of significant value to the State of South Carolina,” Mullikin added.
State Sen. Chip Campsen, who represents the area in the Statehouse, wrote in a separate affidavit that the pause should be reinstated while the legal battle continues. Campsen, R-Isle of Palms, said that allowing construction to continue before a court can formally weigh in on the merit of the environmental groups’ allegations, “set(s) a dangerous precedent for further degradation of our coastline in these environmentally vulnerable areas.”
Federal officials also have expressed concerns about the project. The U.S. Fish and Wildlife Service, which oversees Cape Romain, previously wrote that human waste, silt, fertilizers and other chemicals from the project could impact the area’s shellfish beds, potentially harming fish, wildlife and humans in the area who depend on the bedrock bivalves.
The cape is a critical habitat for nearly 300 bird species, several of which are federally listed as threatened or endangered. The area also is among the most important nesting sites on the East Coast for loggerhead sea turtles and can host more than 3,000 sea turtle nests per season, The Post and Courier previously reported.
The threat of leaky septic tanks in coastal South Carolina likely will increase in coming decades. Rising sea levels can push up the groundwater beneath septic drainage fields, disrupting the process that allows soil to filter all of the excrement out of waste water expelled from the drainage field.
AWENDAW, S.C. (WCBD) – Several environmental groups and officials are asking the South Carolina Supreme Court to intervene on a pending petition, wanting the court to reinstate a stay which would allow for a pause on construction.The White Tract development is planned to be on Bulls Island Road, next to the Cape Romain National Wildlife Refuge. The first phase would fill in wetlands and create 27 homes, while the second phase would bring over 200 homes to the area. The Friends of Coastal South Carolina are concerned this propose...
AWENDAW, S.C. (WCBD) – Several environmental groups and officials are asking the South Carolina Supreme Court to intervene on a pending petition, wanting the court to reinstate a stay which would allow for a pause on construction.
The White Tract development is planned to be on Bulls Island Road, next to the Cape Romain National Wildlife Refuge. The first phase would fill in wetlands and create 27 homes, while the second phase would bring over 200 homes to the area. The Friends of Coastal South Carolina are concerned this proposed development may set a precedent for other projects if the intervention does not succeed.
“If it doesn’t warrant the highest level of protection than that’s really concerning for the precedent it would set going forward,” Grace Gasper, executive director of Friends of Coastal South Carolina, said.
The environmental group is being represented by the South Carolina Environmental Law Project. Amy Armstrong, chief counsel and executive director of SCELP, said they aim for the court to review the permits that we’re given to the developers and give the case due process.
“Basically it’s a challenge to the Department of Environmental Services permits that were issued for filling of wetlands, and the construction of the roads and the infrastructure associated with Phase 1 of White Tract,” Armstrong said.
Additionally, experts told News 2, constructing these homes near Cape Romain may possibly damage the area. They said some concerns include stormwater runoff, inevitable septic tank leaks, and the density of the homes.
“Once construction begins and wetlands are damaged, there’s irreparable damage. So, we’re hoping that will be put back in place just to give a chance – the legal proceeding a chance to be decided,” Gasper said.
The Sewee Bay, included in the wildlife refuge, contains Outstanding Resource Water, which is Armstrong said is the highest quality of water that can be found. It is a location where shellfish harvesting thrives, as well as being a safe place to swim. Larry Kobrovsky, council member for Charleston County, said he is in support of these groups’ actions as he hopes to help preserve this area for generations to come.
“The pristine nature of it – nowhere else can you have the quality of wildlife and nature there, people can access. That’s what makes it unique, and it would change all the in a heartbeat,” Kobrovsky said.
The South Carolina Supreme Court has not decided yet on whether it will hear the case. It is waiting for all responses including a reply from SCDES, and the last from SCELP by October 10.
AWENDAW, S.C. (WCSC) - A petition has been filed at the state court level against a home development near a Class I Wilderness area in Awendaw.Pulte Homes LLC proposed 208 homes to be built on 182 acres of a portion of land called the White Tract in Awendaw. includes developing 27 homes that would fill in two acres of wetlands.The Department of Environmental Services granted permission for the first phase to begin in December of 2024.The construction raised concerns for environmental advocacy group Friends of Coastal So...
AWENDAW, S.C. (WCSC) - A petition has been filed at the state court level against a home development near a Class I Wilderness area in Awendaw.
Pulte Homes LLC proposed 208 homes to be built on 182 acres of a portion of land called the White Tract in Awendaw. includes developing 27 homes that would fill in two acres of wetlands.
The Department of Environmental Services granted permission for the first phase to begin in December of 2024.
The construction raised concerns for environmental advocacy group Friends of Coastal South Carolina. The group’s executive director and Awendaw resident, Grace Gasper, says the high-density development will impact the protected Cape Romain National Wildlife Refuge and the quality of life for surrounding neighbors.
“That’s an awful lot of traffic to put on a little two-lane road in Bull Island and Sewee,” Gasper says. “There’s safety concerns, quality of life concerns, and how will development and land disturbance affect flooding and drainage for surrounding residents.”
Gasper says another concern is the development plan to rely on septic tanks. She says the number of septic tanks that would be placed in the area will impact residents’ reliability on groundwater as their water source.
Friends of Coastal South Carolina challenged the permit through the Southern Environmental Law Project. The work put a pause on the permit that slowed down any construction in the area.
The South Carolina Administrative Law Court lifted the permit pause on Aug. 8, according to a recently filed petition by the law firm.
Southern Environmental Law Project Executive Director Amy Armstrong says the petition brings the potential of irreparable harm that could happen to the land. She says the action was a high-stakes attempt to protect the rights of Friends of Coastal South Carolina and the surrounding community.
“They wouldn’t have a say if we didn’t take immediate action and ask the South Carolina Supreme Court to intervene and reimpose that stay and stop construction until we have that opportunity for administrative and judicial review,” Armstrong says.
Director of the South Carolina Department of Natural Resources, Thomas Mullikin, Ph.D., provided an affidavit as detailed in the petition.
“A portion of the project site is located within FEMA Special Flood Hazard Area Zone AE, which means the project will be constructed in a high-risk flood area where there is at least a 1 in 4 chance of flooding during a 30-year timespan. Floodplains function to support groundwater recharge, filter pollutants and abate floodwaters. Development within floodplains and the associated wetlands, including the placement of structure and fill, reduces flood-carrying capacity, increases flood heights and velocities, and increases flood hazards in areas well beyond the encroachment itself. Continued development of these critical areas can magnify documented flooding issues and cumulative effects should be considered. The SCDNR has raised concerns that the applicant has failed to consider vulnerabilities and sea level rise and storm surge scenarios in siting of the proposed project.”
South Carolina Senate District 43 Sen. George Campsen III also provided an affidavit in the petition.
“The permit and certification currently before the Administrative Law Court allow the Respondent Pulte Home Company, LLC to irreversibly eliminate almost two acres of wetlands, and the highly dense development will result in runoff that will negatively impact the precious resource of the Refuge. … I support the Court’s preservation of the status quo while my constituents exercise their right to meaningful review allowed under the state’s constitution.”
Live 5 News did reach out to Pulte Homes LLC for a comment. No comment was received.
Armstrong says the developer has around 15 days to respond to the petition after filing. She says the court should have documents in weeks.