Do I really need a will if I don't have many assets?

Yes — a will isn't just about money. It determines who raises your minor children, who handles your affairs, and how even modest assets are distributed. Without one, Pennsylvania's intestacy laws decide all of that for you, and the outcome may not match your wishes.

What's the difference between a will and a trust?

A will takes effect after you die and goes through probate — a public court process. A trust takes effect immediately, avoids probate entirely, and can manage assets during your lifetime if you become incapacitated. For many families, especially those with real estate or blended family situations, a trust provides far greater protection and flexibility.

When is the right time to start Medicaid planning?

Earlier than most people think. Medicaid has a five-year look-back period, meaning transfers made within five years of applying can result in penalties and delayed eligibility. The best time to start planning is well before a nursing home becomes a possibility — ideally in your 60s or early 70s.

Do I need a Pennsylvania attorney to buy a home in the Poconos?

Pennsylvania doesn't legally require an attorney for a real estate transaction, but it's strongly advisable — especially for out-of-state buyers. Pennsylvania law, title requirements, and disclosure rules differ significantly from New York and New Jersey. An attorney reviews your contract, identifies title issues, and protects your interests at closing in ways a real estate agent cannot.

If I leave money to my child with a disability, will it affect their benefits?

It can — and often does. Leaving assets directly to someone receiving SSI or Medicaid can disqualify them from those programs. A Supplemental Needs Trust allows you to provide for your loved one's quality of life without jeopardizing the government benefits they depend on. This type of planning requires careful drafting, and getting it wrong can have serious consequences.

LLC vs. Sole Proprietorship: Which Is Right for Your Business?

Business

Oct 10

Written By William Onofry

If you're starting a business in Pennsylvania, one of the first decisions you'll face is how to structure it legally. For most small business owners, the real question is: do I need an LLC, or can I just operate as a sole proprietor? Here's how to think through it.

A sole proprietorship is the default — if you start doing business without forming any entity, that's what you are. It's simple and requires no filing. But it offers no liability protection. If your business is sued, your personal assets — your home, savings, car — are on the line.

An LLC (Limited Liability Company) creates a legal separation between you and your business. If the business is sued, your personal assets are generally protected. It also offers flexibility in how you're taxed and how the business is structured. For most small businesses, the cost of forming and maintaining an LLC in Pennsylvania is modest — and well worth the protection.

The right answer depends on your industry, your risk exposure, whether you have partners, and your long-term plans. A business that handles client property, provides professional services, or has employees almost always benefits from an LLC or other formal entity. A very small freelance operation with minimal risk might be fine as a sole proprietorship — at least to start.

We help entrepreneurs get the structure right from day one. Call (570) 904-2098.

Jacobs, Wilson & Onofry · jwolawyers.com · (570) 904-2098

DISCLAIMER: This article is intended for general informational purposes only and does not constitute legal advice. Reading this content does not create an attorney-client relationship. Laws vary by jurisdiction and individual circumstances differ. Please consult an attorney for guidance specific to your situation.

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William Onofry

LLC vs. Sole Proprietorship: Which Is Right for Your Business?

Why You Need an Attorney for Your Pennsylvania Real Estate Purchase

How a Supplemental Needs Trust Protects Your Loved One