Pentiuk, Couvreur & Kobiljak, P.C.

11/02/2026

Starting a new company? Establishing dedicated business credit and forming a separate legal entity like an LLC protects your personal assets and sets your venture up for growth. Learn how to separate your business and personal finances.

A limited liability company (LLC) is a business structure that protects owners from losses, debts or legal liabilities that the business may incur.

10/29/2026

What happens to your bank accounts when you pass away? Without payable-on-death designations or a living trust, your family could face months of delays and expensive probate court proceedings. Learn how proper planning protects your assets!

You can’t take it with you, so what happens to your bank account after you pass on? Here’s what you need to know.

10/27/2026

Facing default doesn't mean immediate foreclosure. Homeowners have access to federal programs, loan modification options, and HUD housing counselors to help resolve mortgage delinquency.
Review key steps to safeguard your residential property!

https://www.usa.gov/avoid-foreclosure

10/27/2026

Did you know that 3 out of 4 Americans don't have a will? Dying without an estate plan can leave your loved ones facing costly court delays and disputes. Discover the three essential estate documents every adult should have.

Only about 24% of adults report having a will, according to one survey. Here's why, and the three documents everyone needs.

10/26/2026

Effective contract management ensures your business stays compliant and fulfills key obligations. From negotiation to renewal, keeping structured records minimizes operational and financial risks.

Read the business guide:

Effective contract management saves time, reduces business risk, and facilitates smoother client and vendor relationships.

10/22/2026

What happens to your estate after you pass away? The probate process validates wills, settles debts, and distributes property to heirs. Learn how probate works and what steps can help your family simplify estate administration.

Probate is the legal process for authenticating a will and distributing an estate's contents. Here's what to expect when a will is in probate.

10/20/2026

Designating a trusted contact person on your financial accounts creates an emergency safeguard against financial exploitation and health crises. Unlike a power of attorney, a trusted contact cannot make transactions or view balances.

https://www.investor.gov/introduction-investing/general-resources/news-alerts/alerts-bulletins/investor-bulletins-trusted-contact

10/19/2026

Do you really need an operating agreement if you are the only owner of your LLC? Yes! Without one, courts might treat your business like a sole proprietorship, putting your personal assets at risk. Learn what to include to protect yourself.

https://www.nolo.com/legal-encyclopedia/llc-operating-agreement-30232.html

10/15/2026

The SECURE 2.0 Act pushed the RMD starting age to 73 and eliminated required distributions for Roth 401(k) accounts. Understanding updated federal tax rules helps retirees optimize withdrawals and avoid costly penalties.

The SECURE 2.0 Act made major changes to rules for required minimum distributions (RMDs) — are you up to speed?

10/13/2026

A legal power of attorney allows a trusted agent to manage financial or medical decisions if you become incapacitated. Establishing durable powers of attorney early protects your assets and relieves family burden.

https://www.consumerfinance.gov/ask-cfpb/what-is-a-power-of-attorney-poa-en-1149/?

A power of attorney is a legal document that allows someone else to act on your behalf.