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    <loc>https://bgelderlaw.com/blog/2025/9/23/medicare-vs-medicaid-key-similarities-and-differencesnbspnbsp</loc>
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    <loc>https://bgelderlaw.com/blog/2025/9/23/what-to-expect-during-probate-nbsp</loc>
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    <lastmod>2025-09-23</lastmod>
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  <url>
    <loc>https://bgelderlaw.com/blog/2025/6/19/how-often-should-you-update-your-estate-plan</loc>
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    <lastmod>2025-06-19</lastmod>
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      <image:title>Blog - How often should you update your Estate Plan?</image:title>
      <image:caption>Life is constantly changing—and your estate plan should keep up. Many individuals view estate planning as a one-and-done task, but in reality, it’s a living set of documents that should be revisited and revised over time. Whether it's a shift in your financial circumstances, changes in family relationships, or evolving personal wishes, keeping your estate plan current ensures it always reflects your true intentions. When Should You Update Your Estate Plan? Estate plans don’t expire, but they can quickly become outdated. Although there’s no universal timeline for reviewing your estate plan, a good rule of thumb is to revisit your documents every three to five years, or sooner if there are major life events. The following events often indicate it’s time for a review: (1)   Marriage or Divorce Marriage and divorce are two significant life events that can affect your estate plan. A new marriage may necessitate adding not only your spouse but also other members of your new extended family as beneficiaries or decision-makers. A divorce, on the other hand, often necessitates removing a former partner and possibility their relatives from your estate planning documents. Failing to update your documents after these events can lead to unintended consequences such an ex-family member inheriting assets or making critical decisions on your behalf. (2)  Birth or Adoption of a Child or Grandchild Welcoming a new child or grandchild into the family is a joyful event that should prompt a thorough review of your estate plan. You may want to add the child as a beneficiary, establish a trust for their benefit, or name a guardian in the event that something happens to you while they are still a minor. If your plan doesn't reflect your current family structure, your intentions may not be carried out as you'd hoped. (3)  Death or Disability of a Beneficiary or Executor If a named beneficiary, executor, trustee, or guardian passes away or becomes incapacitated, it is essential to revise your plan. You’ll need to appoint new individuals to these roles and possibly redistribute assets if your original plan is no longer viable.</image:caption>
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    <loc>https://bgelderlaw.com/blog/5-signs-to-update-your-estate-plan</loc>
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    <lastmod>2026-01-06</lastmod>
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    <loc>https://bgelderlaw.com/blog/guardianship-101</loc>
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    <lastmod>2026-01-06</lastmod>
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    <loc>https://bgelderlaw.com/blog/2024-holiday-newsletter</loc>
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    <lastmod>2026-01-06</lastmod>
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  <url>
    <loc>https://bgelderlaw.com/blog/common-mistakes-to-avoid-in-probate</loc>
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    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - Common Mistakes to Avoid in Probate - Make it stand out</image:title>
      <image:caption>A model of a house, scattered coins, and a small plant on a table, symbolizing wealth and financial growth.</image:caption>
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    <loc>https://bgelderlaw.com/blog/benefits-of-a-qualified-income-trust</loc>
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    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - Benefits of a Qualified Income Trust - Make it stand out</image:title>
      <image:caption>Coin being added to a blue piggy bank. The background of the image is bright pink.</image:caption>
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    <loc>https://bgelderlaw.com/blog/how-to-locate-an-elder-law-lawyer</loc>
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    <lastmod>2026-01-06</lastmod>
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    <loc>https://bgelderlaw.com/blog/ssa-ruling-simplifies-ssi-regulations</loc>
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    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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    <loc>https://bgelderlaw.com/blog/beneficiary-designations-special-needs</loc>
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    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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    <loc>https://bgelderlaw.com/blog/aging-in-place</loc>
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    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - Creating a Safe and Accessible Home for Your Golden Years - Make it stand out</image:title>
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    <loc>https://bgelderlaw.com/blog/aging-in-style</loc>
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    <lastmod>2026-01-06</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://bgelderlaw.com/blog/parenting-your-parents</loc>
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    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - Parenting Your Parents: A Guide to Caregiving and Legal Considerations - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://bgelderlaw.com/blog/your-midlife-legal-checkup</loc>
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    <lastmod>2026-01-06</lastmod>
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    <loc>https://bgelderlaw.com/blog/legal-essentials-for-parents</loc>
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    <lastmod>2026-01-06</lastmod>
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    <loc>https://bgelderlaw.com/blog/coping-with-loss</loc>
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    <lastmod>2026-01-06</lastmod>
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    <loc>https://bgelderlaw.com/blog/2023-holiday-newsletter</loc>
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    <lastmod>2026-01-06</lastmod>
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    <loc>https://bgelderlaw.com/blog/safe-and-healthy</loc>
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    <lastmod>2026-01-06</lastmod>
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    <loc>https://bgelderlaw.com/blog/2023/10/26/october-estate-planning</loc>
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    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - A Reflection on the Importance of Estate Planning - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - A Reflection on the Importance of Estate Planning - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - A Reflection on the Importance of Estate Planning - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://bgelderlaw.com/blog/2023/4/28/grace-jeter-appointed-chair-of-kentucky-silc</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - Grace Jeter Appointed Chair of Kentucky SILC - Make it stand out</image:title>
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      <image:title>Blog - Grace Jeter Appointed Chair of Kentucky SILC - Make it stand out</image:title>
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    <loc>https://bgelderlaw.com/blog/2023/3/18/stress-awareness</loc>
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    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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  <url>
    <loc>https://bgelderlaw.com/blog/2023/3/23/resources-for-elder-neglect-and-abuse</loc>
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    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - Resources for Elder Neglect &amp;amp; Abuse - Make it stand out</image:title>
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    <loc>https://bgelderlaw.com/blog/2022/12/13/2022-holiday-newsletter</loc>
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    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - 2022 Holiday Newsletter - Make it stand out</image:title>
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      <image:title>Blog - 2022 Holiday Newsletter - Make it stand out</image:title>
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  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/30/2021-holiday-newsletter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - 2021 Holiday Newsletter</image:title>
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    <loc>https://bgelderlaw.com/blog/2022/6/30/national-estate-planning-awareness-week</loc>
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    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - National Estate Planning Awareness Week</image:title>
      <image:caption>What is estate planning? Estate planning is creating a set of documents that protect your assets and explain how you want them to be distributed at your death. Some estate planning documents, such as Powers-of-Attorney, Living Will Directives, and some Trusts, are active during your lifetime. What kind of estate planning is right for me? Depending on your assets, family relationships, and goals, your attorney may recommend one or a combination of some of the following: Powers of Attorney, Last Will and Testament, Living Will, or Trust. Only an attorney can help decide what is right for your situation.</image:caption>
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    <loc>https://bgelderlaw.com/blog/2022/6/30/in-recognition-of-breast-cancer-awareness-month</loc>
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    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - In Recognition of Breast Cancer Awareness Month</image:title>
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    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - What is Elder Law?</image:title>
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    <loc>https://bgelderlaw.com/blog/2022/6/30/attorney-mary-patton-recognized-for-volunteer-work-at-university-of-kentucky</loc>
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      <image:title>Blog - The Unexpected Romance of Estate Planning</image:title>
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      <image:title>Blog - Kentucky Increases Exemption for Surviving Spouse</image:title>
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    <loc>https://bgelderlaw.com/blog/2022/6/30/happy-fathers-day</loc>
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    <loc>https://bgelderlaw.com/blog/2022/6/30/happy-mothers-day</loc>
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    <lastmod>2026-01-06</lastmod>
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    <loc>https://bgelderlaw.com/blog/2022/6/30/updated-9152020-coronavirus-covid-19</loc>
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      <image:title>Blog - UPDATED 9/15/2020: Coronavirus COVID-19</image:title>
      <image:caption>UPDATED September 15, 2020 Our office is seeing clients in person and virtually! Our office is currently back to its normal hours of 8:30am to 5:30pm. To meet with us in person, call the office and make an appointment. We are working to stagger clients to minimize the number of people in the office. If you are coming in, you will be asked to wear a mask for the duration of your visit. If you cannot mask due to a medical condition, we can provide you with a face shield. Meet with us virtually! We are meeting with clients over FaceTime, Zoom, Skype, Teams, or whatever platform you prefer. If you have a computer or a smart phone, we can still see each other. We can do client meetings and document signings this way. If you need help setting this up, just give us a call! Now is the perfect time to get your plans completed because many of us have more free time than we did before!</image:caption>
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    <loc>https://bgelderlaw.com/blog/2022/6/30/guardianship-basics</loc>
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    <lastmod>2026-01-06</lastmod>
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    <loc>https://bgelderlaw.com/blog/2022/6/30/big-changes-in-2020-the-secure-act</loc>
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    <lastmod>2026-01-06</lastmod>
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    <loc>https://bgelderlaw.com/blog/2022/6/30/veterans-day</loc>
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    <loc>https://bgelderlaw.com/blog/2022/6/30/happy-first-day-of-fall</loc>
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    <lastmod>2026-01-06</lastmod>
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    <loc>https://bgelderlaw.com/blog/2022/6/30/never-forget</loc>
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    <lastmod>2026-01-06</lastmod>
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  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/30/what-to-do-when-a-loved-one-dies</loc>
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    <lastmod>2026-01-06</lastmod>
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    <loc>https://bgelderlaw.com/blog/2022/6/30/happy-july-4th</loc>
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    <lastmod>2026-01-06</lastmod>
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  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/30/probate-basics-what-happens-if-i-die-without-a-will</loc>
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    <lastmod>2026-01-06</lastmod>
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    <loc>https://bgelderlaw.com/blog/2022/6/30/fact-or-fiction-i-should-have-a-joint-will-with-my-spouse</loc>
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    <lastmod>2026-01-06</lastmod>
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    <loc>https://bgelderlaw.com/blog/2022/6/29/elder-financial-abuse</loc>
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    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - Elder Financial Abuse - Make it stand out</image:title>
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  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/happy-grandparents-day</loc>
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    <lastmod>2026-01-06</lastmod>
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    <loc>https://bgelderlaw.com/blog/2022/6/29/mary-patton-installed-as-chair-of-kentucky-elder-law-section</loc>
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    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - Mary Patton Installed as Chair of Kentucky Elder Law Section</image:title>
      <image:caption>Attorney Mary Patton has been installed as the Chair of the Elder Section of the Kentucky Bar Association for the 2018-2019 term. The Elder Law Section provides education regarding Elder Law issues to attorneys and the general public, aids in development of laws benefiting elder citizens, and provides a forum for mutual help for of Elder Law practitioners. Mary has previously served as the secretary and chair-elect of the Elder Law section. She also serves on the Continuing Legal Education and By-Laws Committee. Mary currently serves as the Vice-Chair of the Women's Law Association of the Fayette County Bar and on the board of the Fayette County Bar Foundation. Mary resides in Lexington with her husband and two children.</image:caption>
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    <loc>https://bgelderlaw.com/blog/2022/6/29/new-kentucky-powers-of-attorney-law</loc>
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      <image:title>Blog - NEW KENTUCKY POWERS OF ATTORNEY LAW</image:title>
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      <image:title>Blog - NEW KENTUCKY POWERS OF ATTORNEY LAW - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/51cd786e-c9da-44b0-85f9-4a11ae3d4e6c/blog40-2.jpg</image:loc>
      <image:title>Blog - NEW KENTUCKY POWERS OF ATTORNEY LAW - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/probate-basics-terms-you-should-know</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - Probate Basics: Terms You Should Know</image:title>
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  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/special-plans-for-your-special-people</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/45125155-08ef-43f8-a5e8-655701933346/blog38.jpg</image:loc>
      <image:title>Blog - Special Plans for Your Special People</image:title>
    </image:image>
    <image:image>
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      <image:title>Blog - Special Plans for Your Special People - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/how-to-determine-your-own-end-of-life-treatment</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-01-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/b75353bb-5000-48ab-93aa-05b6239b966e/blog37.jpg</image:loc>
      <image:title>Blog - How to determine your own end-of-life treatment</image:title>
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      <image:title>Blog - How to determine your own end-of-life treatment - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/probate-basics-what-assets-need-to-be-probated</loc>
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    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - Probate Basics: What Assets Need to be “Probated”?</image:title>
      <image:caption>When a loved one passes away it is not always necessary to open a Probate for them.  The probate process exisists to transfer ownership of assets and to pay creditors. The personal representative or executor will gather all of the assets owned by the deceased individual that need to be probated.  However, not everything the person owned during his or her life will need to be probated.  Sometimes things will pass outside of the probate process.  These are assets or accounts that list a beneficiary, pay on death (POD) beneficiary, transfer on death (TOD) beneficiary, or have a joint owner with a survivorship interest.  (Learn more about beneficiary designations here.)  Generally, assets subject to probate are ones that the deceased person owned in their own name, without a co-owner with survivorship interest, and without a beneficiary designation</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/throwback-thursday-herald-leader-profiles-attorney-amy-e-dougherty</loc>
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    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - Throwback Thursday: Herald-Leader Profiles Attorney Amy E. Dougherty</image:title>
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  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/probate-basics-what-where-when-who-and-how</loc>
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    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - Probate Basics: What, Where, When, Who, and How?</image:title>
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      <image:title>Blog - Probate Basics: What, Where, When, Who, and How?</image:title>
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  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/happy-st-patricks-day</loc>
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    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - Happy St. Patrick's Day</image:title>
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  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/new-years-resolution-review-your-estate-plan-in-five-steps</loc>
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    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - New Year's Resolution: Review Your Estate Plan in Five Steps</image:title>
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      <image:title>Blog - New Year's Resolution: Review Your Estate Plan in Five Steps - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/wishing-you-peace-and-joy-this-christmas-season</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - Wishing you peace and joy this Christmas season!</image:title>
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  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/adult-guardianship-from-dementia-to-addiction</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - Adult Guardianship: From Dementia to Addiction - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/ce8dc2e2-9919-4db7-8552-3e05a27d56c5/blog29-2.jpg</image:loc>
      <image:title>Blog - Adult Guardianship: From Dementia to Addiction</image:title>
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  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/happy-thanksgiving</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - Happy Thanksgiving</image:title>
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  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/disinheriting-with-a-dollar-fact-or-fiction</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/ac65f901-7d6f-4140-8f2b-874c621044d9/blog27.jpg</image:loc>
      <image:title>Blog - Disinheriting with a Dollar: Fact or Fiction</image:title>
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  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/the-reading-of-the-will-fact-or-fiction</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/a5127bb1-61c3-48cc-b78a-29bfc93f7f2d/blog26.jpg</image:loc>
      <image:title>Blog - The Reading of the Will: Fact or Fiction</image:title>
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  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/distinguishing-asset-preservation-planning-from-elder-financial-abuse</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/d8fb16fc-4031-4ef5-8320-d9050138a511/blog25.jpeg</image:loc>
      <image:title>Blog - Distinguishing Asset Preservation Planning from Elder Financial Abuse</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/cf06c5f5-3afa-42af-9803-b0d4bad34f90/blog25-1.jpeg</image:loc>
      <image:title>Blog - Distinguishing Asset Preservation Planning from Elder Financial Abuse</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/free-adult-guardianship-seminar</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/934eb428-630c-43a2-9b1c-4e106925ad63/blog24.jpeg</image:loc>
      <image:title>Blog - Free Adult Guardianship Seminar - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/attorney-mary-patton-selected-as-chair-elect-of-elder-law-section</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/c23066a1-19e8-4a38-a529-c9c42719ac2b/blog23.jpeg</image:loc>
      <image:title>Blog - Attorney Mary Patton Selected as Chair-Elect of Elder Law Section</image:title>
      <image:caption>Bluegrass Elderlaw, PLLC is proud to announce that Attorney Mary Ellis Patton has been selected by the Kentucky Bar Association's Elder Law Section as the Section's Chair-Elect. The election took place at the Elder Law Section's annual meeting on June 16, 2017 at the Kentucky Bar Association in Frankfort, KY. Mary will serve a year as Chair-Elect and then become Chair of the Section starting July 1, 2018.  The Elder Law Section has 189 attorney members and provides education to other attorneys and the general public on elder law issues.  The Section further aids in the development of laws benefiting elder citizens and those concerned with the care and needs of the elderly.  Mary was born and raised in Lexington, Kentucky.  She earned her B.A. in Communication magna cum laude from the University of Kentucky in 2004.  In 2007, she graduated with her J.D. from the University of Dayton School of Law.  She has been practicing with Bluegrass Elderlaw, PLLC since 2014. She resides in Lexington with her husband and two children.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/attorney-amy-e-dougherty-graduates-from-leadership-lexington</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/1ffda0f7-335c-488b-b273-09e3c9ac9266/blog22.jpg</image:loc>
      <image:title>Blog - Attorney Amy E. Dougherty graduates from Leadership Lexington! - Amy E. Dougherty receiving her Leadership Lexington graduation certificate from Amy Carrington, Leadership Lexington Director.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/meet-our-summer-intern</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/2292d3ca-88bc-421d-bb92-d92019e44e83/blog21.jpeg</image:loc>
      <image:title>Blog - Meet our Summer Intern! - My name is Nicholas Clary and I am the summer intern for Bluegrass Elderlaw, PLLC. I am a senior at the University of Kentucky currently studying Finance, Marketing, and Political Science. As my undergraduate studies near completion, I have started studying for the LSAT and GRE examinations in order to further my education. In addition, I enjoy coaching soccer as well as being an active member of various organizations such as the American Marketing Association and Christian Student Fellowship.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/preventing-beneficiary-designations-from-wreaking-havoc-on-special-needs-beneficiaries</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/50ce5e14-346d-4c97-b2d5-60521a14a984/blog20.jpeg</image:loc>
      <image:title>Blog - Preventing Beneficiary Designations from Wreaking Havoc on Special Needs Beneficiaries</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/free-legal-and-financial-planning-seminar-april-25-2017</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/c5eb881f-5cc4-4af2-905e-817eb0369391/blog19.jpeg</image:loc>
      <image:title>Blog - Free Legal and Financial Planning Seminar: April 25, 2017 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/dealing-with-the-diagnosis-practical-legal-steps-to-take-when-planning-for-an-uncertain-future</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - Dealing with the Diagnosis: Practical Legal Steps to Take when Planning for an Uncertain Future - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/fact-or-fiction-beneficiary-designations-trump-your-will</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/fa1ad0dc-28d0-476b-a1c0-a56c1dadf23a/blog32.jpg</image:loc>
      <image:title>Blog - Fact or Fiction: Beneficiary Designations Trump Your Will</image:title>
      <image:caption>So, what happens when a will indicates a different beneficiary than the paperwork for the account/policy?  As a rule, the beneficiary designation will trump the beneficiary named in a last will and testament.   For example, Mom buys a life insurance policy and names Daughter as the beneficiary, but later signs a will that states the life insurance is to go to Son.  The life insurance will be paid out to Daughter. Son will have no claim to the insurance proceeds.  Generally, the beneficiary designation is part of a contract between the Life Insurance Company and Mom.   There are some exceptions which may include divorce or the death of the named person.  Estate planning is a holistic process that must take into account the entirety of the person’s assets as well as their family situation.  To find out what estate planning tools are right for you, contact a qualified estate planning or elder law attorney.     Contact Us</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/welcome-katie-e-finnell</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/c54c6f5c-2c30-4160-b38d-0dfc886c543e/blog17.jpeg</image:loc>
      <image:title>Blog - Welcome, Katie E. Finnell! - Our practice is growing!</image:title>
      <image:caption>We are very excited to announce that Katie E. Finnell has joined our firm as an associate!  Katie received her Bachelor's Degree from the University of Kentucky in 2004 and earned her Law Degree from Northern Kentucky University, Chase College of Law in 2008.  She earned her Legal Masters last year from Western New England University.  She is a member of the American Bar Association and the Kentucky Bar Association.  She has experience in elder law, estate planning, corporate law, and foreclosures.  Katie resides in Lexington with her husband and two children.  Welcome, Katie!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/why-young-professionals-need-estate-planning</loc>
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    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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      <image:title>Blog - Why Young Professionals Need Estate Planning</image:title>
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  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/holiday-newsletter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/your-estate-plan-may-be-broken</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/80f12fc0-9d05-4f8b-90f5-87125a94efa0/blog14.jpg</image:loc>
      <image:title>Blog - Your Estate Plan May Be Broken</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/191c3342-9083-493f-bb79-5c888b750a97/blog14-1.jpeg</image:loc>
      <image:title>Blog - Your Estate Plan May Be Broken</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/2b714f1f-5557-4ccb-8577-fee17b66e395/blog14-2.jpeg</image:loc>
      <image:title>Blog - Your Estate Plan May Be Broken</image:title>
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  </url>
  <url>
    <loc>https://bgelderlaw.com/blog/2022/6/29/resource-assessments-the-unknown-step-to-saving-money-for-married-couples-on-the-way-to-medicaid</loc>
    <changefreq>monthly</changefreq>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Mary and Katie eat dinner with the fish in Florida</image:caption>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Tracy attends her daughter's wedding in Singapore.</image:caption>
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      <image:title>Newsletter 2025</image:title>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>It's a team effort to take Amy's passport picture.</image:caption>
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      <image:title>Newsletter 2025</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/3f8b791f-629a-4b41-929f-9930a14415a8/1+%281%29.jpg</image:loc>
      <image:title>Newsletter 2025</image:title>
      <image:caption>Annie made friends with a mama duck!</image:caption>
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      <image:title>Newsletter 2025</image:title>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Annie's husband, Zach, rescues keys that fell down the elevator shaft.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/405b379c-5751-4142-b081-f6b27d858c46/IMG_8463.jpg</image:loc>
      <image:title>Newsletter 2025</image:title>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Showing off the new work cardigans!</image:caption>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Tracy representing our firm at the Senior Center Gala</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/05027b43-800e-41d2-bfa9-4def602e10f7/IMG_8466.jpg</image:loc>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Katie encounters road traffic in Ireland.</image:caption>
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    <image:image>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Amy and Bailey matched!</image:caption>
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      <image:caption>Our Holiday Elves!</image:caption>
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      <image:title>Newsletter 2025</image:title>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Katie meets her ideal man.</image:caption>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Mary's family hikes a sand cave outside Knab, UT</image:caption>
    </image:image>
    <image:image>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Maria manages all the paper</image:caption>
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      <image:title>Newsletter 2025</image:title>
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    <image:image>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Staff appreciation day</image:caption>
    </image:image>
    <image:image>
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      <image:title>Newsletter 2025</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/7706e10c-7fb2-4fda-8f5b-e54245647f41/the+boys.jpg</image:loc>
      <image:title>Newsletter 2025</image:title>
      <image:caption>Michaela's cats check out the local wildlife.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/ae320430-82fd-491f-9886-9cac7a2fd8de/IMG_5596.jpg</image:loc>
      <image:title>Newsletter 2025</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/4dda0239-56ce-4563-a73c-861b17a5cd12/logan.jpg</image:loc>
      <image:title>Newsletter 2025</image:title>
      <image:caption>Michaela befriended a baby goat named Logan.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/4da7840b-2ce9-4e9c-9257-40e47c124e58/IMG_5597.jpg</image:loc>
      <image:title>Newsletter 2025</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/64119f4d-0e21-41c6-b556-4a95c3fffd14/IMG_9312+%281%29.jpeg</image:loc>
      <image:title>Newsletter 2025</image:title>
      <image:caption>We had out picture taken for Tops.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/97530b96-1aed-4471-be2a-66db9644d478/IMG_5598.jpg</image:loc>
      <image:title>Newsletter 2025</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/aacfbaa8-8129-41ca-b156-156fb28b08a4/1+%282%29.jpg</image:loc>
      <image:title>Newsletter 2025</image:title>
      <image:caption>Annie's Leonard is little spiffy this holiday season.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/d07c7e77-958f-499b-bf32-2a0f958f9864/IMG_5571.jpg</image:loc>
      <image:title>Newsletter 2025</image:title>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Annie's Pippa is a pretty princess</image:caption>
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      <image:title>Newsletter 2025</image:title>
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      <image:title>Newsletter 2025</image:title>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Mary and daughter hike the Narrows in Zion, Utah</image:caption>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Bailey and her aunt representing Bluegrass Elderlaw at the Jingle Bell Jog</image:caption>
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      <image:title>Newsletter 2025</image:title>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Andrea and Bailey passed the bar exam!</image:caption>
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      <image:title>Newsletter 2025</image:title>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>We had out picture taken for Tops, again.</image:caption>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>We won best elder law firm in the Best of Lexington!</image:caption>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Andrea with Justice Goodwine at her swearing in ceremony.</image:caption>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Attorney Andrea!</image:caption>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Mary and husband Jeremy representing the firm at A Night for the Museum!</image:caption>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>We are a proud sponsor of the Lexington Children's Museum.</image:caption>
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      <image:title>Newsletter 2025</image:title>
      <image:caption>Michaela and Attorney McKenna's newest addition.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/62a6b2b02d694e01aa747fc7/3b5b41b2-63cf-4c6c-b464-586a66a48fa1/IMG_8374.jpg</image:loc>
      <image:title>Newsletter 2025</image:title>
      <image:caption>We love Annie!</image:caption>
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      <image:caption>Office Manager Angela's art in a recent show.</image:caption>
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      <image:caption>Several office members celebrating Angela's artistic talents!</image:caption>
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