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As a business owner, your major asset and greatest source of income is probably your business. In many cases, your concern is to pass that productive asset to younger generations and provide a livelihood for family members. As with many things in life, those are goals that are easier said than done.  Succession planning for most small business owners is one of the most complex topics they’ll ever take on.  None of us are fond of thinking about our demise.  We likely put off difficult tasks and succession planning certainly falls into that category for most small business owners.  Make no mistake: if you want your business to survive and thrive after you’re gone, there’s no avoiding deliberate planning of tax and non-tax considerations of passing your business on.  Here are some of the things you should think about: 1.  No Estate Plan = Government Decides When you waive your right to protect your family and plan for your business, you’re allowing the government to make decisions for you.  The government’s plan is called the law of intestate succession.  That law,  depending on the state you live in, would dictate to whom your business goes. Generally, states provide that assets go half to your children and half to your spouse. A lot of business owners may not want their business split between two beneficiaries – like half to the spouse, half to the children.   That would be particularly difficult if you children are minors, have addiction problems or credit issues.  Your Will or Trust, depending on the estate plan that’s right for you, would dictate where your business goes and how its managed after you’re gone.    2.  Who Should Be in Charge? One thing to think about is who oversees your business if you pass away. Your spouse may not be the best person, but it may be that there’s a key employee or another friend or executive at the company that could help run the business if you aren’t around.  Leaving the wrong person in charge could devalue your business.  If your spouse is the only executor or trustee, then they would be in charge of running or selling your business and then retaining the assets in the estate for the beneficiaries. But you may want to have two trustees: perhaps your spouse for your personal assets — like your cash or your home — and then someone else for your business. Much depends on your family situation and how involved your spouse is in your business and whether they are a good choice.   3.  Fairness with Multiple Children Parents want to be fair when it comes to passing on their wealth.   However, each of your children likely has different connections to your business.  Some may be involved and others not at all.  Some may put the hard work in and others not so much.  Your children will feel entitled to an equal share and sibling rivalry may play out in a way that can be detrimental to the business.  Identifying and discussing these issues proactively can help to find resolutions to maintaining harmony among your children while also achieving the fairness that you desire.      4.  Sudden Health Crisis The success or failure of a small business is inherently tied to the central figure who starts, organizes, and manages it:  You! What happens when you go to the hospital for serious surgery? Have a prolonged health crisis? You could be out of action for some time.  That could put your business at a serious disadvantage resulting from the uncertainty that arises when the owner is unavailable, and no contingency plan is in place. Customers get nervous, employees get antsy, sales go down.  Estate planning isn’t just about what happens after you die.  It’s very much about planning for contingencies when you’re still on the “right side of the dirt”.   Business Power of Attorney   5.  Business Partners The death of one of multiple owners of a business often results in complex issues.  Your partner likely does not want to be in business with your spouse or children.  Will your partner be fair to your family or use their inside information to take advantage or even steal the business from your family?  Even if your partners and family are willing to co-exist in a business, how are decisions made?  More owners often leads to conflict and inability to make decisions crucial for the business to continue and succeed.  When you have one or more business partners, the estate planning discussion should include them as well.  You want the business to succeed while at the same time ensuring that your family gets fair value of out the asset you worked hard to build.   6.  Reduce Death Taxes You’ve put your heart and soul building your business over many years.  The taxes payable on the value of your business after you pass away can be a huge bill for your family to pay.  The concern is that your business may not have enough cash on hand to pay the bill, forcing the business to borrow money or even worse – to sell the business to pay the bill.  With property estate and business planning, you can reduce or even eliminate death tax on the value of your business.    The Qualified Family-Owned Business Tax Exemption   At Fiffik Law Group, we guide business owners like you through the intricacies of business succession planning . With our wealth of expertise, we can help design and implement a tailor-made succession plan that ensures the continuity of your business and secures your family’s future. Whether you need assistance establishing trusts or setting up an effective succession strategy, our experienced attorneys are here to help.   Contact our team today and let us help you chart a clear course for the longevity of your business and the security of your loved ones. Remember, we’re not just planning for your business; we’re planning for your legacy.

In recent months, headlines have made a striking announcement: in the U.S. for the first time ever, more babies were born to women aged 40 and older than to teenage mothers. While delaying parenthood may be the new norm, delaying estate planning shouldn’t be. Many people wait to create a plan until they have children, assuming that’s when it becomes necessary, but estate planning isn’t just about preparing for kids. Here’s why getting started early matters, no matter your age or life stage. A Shift in Parenthood Timing Parenthood in the U.S. is happening later than ever, and the statistics tell a clear story:   In 2023, women aged 40 and older accounted for 4.1% of all births, just edging out births to teenagers (4.0%) ( The Bump, 2024 ). Since 1990, birth rates among women aged 40–44 have climbed roughly 127%, while teen birth rates have fallen dramatically ( Motherly ).   Medical advancements and shifting social norms have made later parenthood more broadly feasible. Women are increasingly able to start families in their 30s and 40s while pursuing careers, education, and personal goals. While there may be nothing inherently right or wrong with that timing, it does have a ripple effect when it comes to financial, legal, and estate decisions. Delaying Estate Planning is All Too Common It’s all too common: many people treat estate planning as something to handle “later,” and many tie it to milestones such as having children.   The average age people first start their estate plan is at age 42. ( Trust & Will ) Only 22% of millennials (29-44 years old in 2025) have a will, but 60% have no estate planning documents at all. ( Trust & Will ) 34% of millennials say having a child prompted them to create a trust or will ( Trust & Will )   These numbers show that waiting for major milestones is common, but risky. Illnesses, accidents, or incapacity can occur at any age, and without an estate plan, your loved ones may face confusion, delays, or legal hurdles when the unexpected happens.   Many assume that a spouse or partner will automatically make financial or healthcare decisions for them. But for couples who aren’t legally married, the state may assign that responsibility to a blood relative or someone you might not want in that positions. Powers of attorney allow you to designate the right people to make these decisions on your behalf.   And planning isn’t just about children. Adults may have additional concerns: their home, assets, pets, business, or even social media accounts. Without a clear plan, these matters can become complicated and stressful for loved ones. For a deeper look, read:  What Happens When You Die Without a Will.   Take Action: Reframe the Question Instead of asking, “When is the right time to start estate planning?” try thinking: “What’s the first step I can take today?”   Sample Structure for Later-Parenthood Planning Stage / Age Planning Focus Key Considerations Pre-Parenthood Basic estate planning Create a will, designate powers of attorney, establish healthcare directives, identify beneficiaries Pregnancy Update documents Include plans for potential dependents, review life insurance, consider trusts for future children Early Childhood Guardianship & education planning Name legal guardians, set up education funds or 529 plans, revisit life insurance and beneficiary designations School Age Asset protection Consider trusts, review and update powers of attorney, plan for contingencies like disability or special needs Teen Years / Adulthood Transition planning Update estate plan as children gain independence, adjust guardianship and trust structures if needed, review business or real estate interests   Estate planning is not a one-time task. Your plan evolves with life circumstances, making updates easier if you start now rather than later. It’s Not Too Late If you haven’t started estate planning yet, don’t panic — if you’re able to read this, it’s not too late. The key is to take action now rather than putting it off any longer. The experienced estate planning attorneys at Fiffik Law Group can guide you through every step.   There are several ways to get started today:   Call us at 412-391-1014 or fill out the contact form on our website to schedule a consultation. Sign up for our weekly webinar , “Wills & Trusts — Which Is Right for You?” Learn the basics and get expert guidance in a concise, accessible session. Use our DIY legal forms on our website to complete powers of attorney, living wills, or other essential documents quickly and securely.   No matter your age or life stage, starting now gives you peace of mind and ensures your estate plan reflects your goals. Every step you take today is a step toward security and clarity for the future.

Rideshare services like Uber and Lyft make getting around more convenient than ever before. They promote their services as safe, showing advertising of women riding alone in their vehicles. They have changed the way we get around and made taxis virtually extinct. While the public has embraced Uber and Lyft, they likely are unaware of the risks associated with using these rideshare companies.   Sexual Assault in Uber and Lyft   After reports of sexual assault and rideshare companies started to become more mainstream in the media, Uber and Lyft started issuing “safety reports,” which shared with the public some of the data they had collected over the years. Perhaps the most shocking figure is that Uber received nearly 10,000 reports of sexual assaults from users of its platform between 2017 and 2020. Lyft’s safety report from 2017-2019 fared no better, with over 4,000 assaults reported, a rate similar to Uber’s when taking into account their smaller market share. These numbers are startlingly high and demonstrate that using a rideshare service is not necessarily the “safe ride” it is promised to be. Indeed, court filings allege that these publicly reported sexual assaults are just the tip of the iceberg.   Lawsuits Involving Uber and Lyft Given these large numbers of assaults, it is not surprising that many survivors have decided to bring lawsuits against Uber and Lyft, and there is ongoing litigation in both state and federal court.  The goal of these lawsuits is to hold Uber accountable for the sexual assaults committed by its drivers. Uber has a duty to prevent these sorts of attacks, given how foreseeable it was that a sexual assault could occur with a woman riding alone at night in a car with a stranger. That duty meant they needed to vet their drivers, investigate reports of sexual assault, and take appropriate action when sexual assaults were reported. Claimants assert that Uber failed to take appropriate action to protect its riders, instead choosing to protect its own reputation and revenue. The claims against Uber and Lyft in the state court coordinated actions are similar, and involve the company’s failure to protect its riders.   Contact an Experienced Rideshare Sexual Assault Lawyer at Fiffik Law Group for a Free Consultation   At Fiffik Law Group, we are committed to helping survivors of sexual assault seek justice through the civil legal system. In order to ensure our clients have the best possible results, we ensure the following for each of our clients:   Expertise in Rideshare Assault Cases:  Our network of attorneys have extensive experience in navigating the complexities of sexual assault claims involving rideshare companies like Uber and Lyft. Personalized Approach:  We work closely with each client to understand their unique situation and provide appropriate legal strategies. Commitment to Justice:  We work to hold perpetrators accountable and seek appropriate compensation for our clients. Confidential and Supportive Environment:  Your privacy and well-being are our top priorities. We offer a safe space to discuss your case with confidence.   If you are a victim of sexual assault by an Uber driver, please feel comfortable to reach out to us. You can get answers from the attorneys at Fiffik Law Group. Call our law firm for a free confidential consultation. There is no obligation when you contact us. We will explain your legal rights and the next steps toward holding Uber or Lyft responsible.

Older adults often take numerous medications. Nursing homes and personal care facilities often dispense these medications to patients. A common problem in nursing homes is errors related to medication administration. Common Types of Medication Errors in Nursing Homes Most nursing homes are understaffed. As a result, nursing staff members now tend to have less experience or are getting acclimated to new systems. This is an ideal set of circumstances where medication errors can flourish. In most nursing facilities, the medication is given when the nursing staff member completes what is known as a “med pass”. This is the term used when describing the process of dispensing medication to nursing facility residents according to a physician’s order. Med passes are usually carried out by licensed nurses or unlicensed staff members as long as a nurse is supervising. Given staffing shortages, staff members carrying out the med pass may feel rushed. A recent study of medication errors that can happen in a nursing home highlighted the following common errors: Failing to give a prescribed medication Giving expired medications Giving too little or skipping a dose of medication Giving too much medication Giving the medication at the wrong time or at the wrong rate Giving the wrong form of the medication, the wrong strength, or the wrong medication altogether Failing to monitor the resident after giving the medication Giving medication to the wrong resident Using an incorrect technique to administer the medication Signs of Nursing Home Medication Errors If your family member’s day-to-day conduct and behavior has changed in any significant way, a review of your loved one’s medication records is advisable. A resident’s change in conduct or behavior due to medication errors can vary widely. With certain medication errors nursing home residents may be more physically or verbally aggressive to the staff and other residents. However, other medication errors might cause a resident to be withdrawn, quiet or depressed. Regardless of the behavior you observe, if you witness your loved one acting suddenly and inexplicably different, you should immediately bring it to the attention of the nursing home staff. Your family member’s medical chart can then be reviewed for any possible medication errors. Should You be Informed of a Medication Error? Yes. Pennsylvania law requires a nursing home to immediately report the error to the resident, the resident’s designated family member and the physician prescribing the medications. Documentation of the medication error must be retained in the resident’s records and there must be documentation of follow-up action that was taken to prevent future medication errors. In order to keep tabs on the nursing home, you should periodically ask the resident’s physician if any medication errors have been reported. If errors were reported, you should ask the physician more about the situation before speaking with the nursing home. Medication Malpractice There are various malpractice concerns that may be experienced by nursing facility residents that are grounds for a lawsuit on the basis of a medication error. These include: Diversions of medication: When the staff member diverts a medication, it is usually a matter of stealing the medication for their own personal use. The medication may also be taken to sell to other people. Ignoring an order: Some employees will ignore the administration instructions and change the order, add medications that are not ordered, or discontinue a medication. Medication borrowing: When the staff is busy during the med pass, there may be medications missing. Instead of getting the right medication, the person doing the med pass may borrow a medication from one resident to another. If this is not documented, mistakes can be made. Poor medication management: This happens when the nursing facility fails to have the right medication on hand so that the nursing home resident will not have the medication available. Lawsuits Regarding Medication Errors in the Nursing Home The improper administration of medication can cause a resident to become seriously ill or even die. Filing a nursing home abuse lawsuit can help you take justice against those responsible for harming your loved one and help ensure others won’t have to suffer. A successful nursing home abuse lawsuit provides financial compensation for your loved one’s injuries that can help pay for treatments and other costs. Nobody should have to suffer from poor treatment during their most vulnerable years. If your loved one was the victim of nursing home abuse or neglect , we can help. Contact us to get a free case review today to see if you or your loved one may be entitled to compensation. Read: The Duty of Care to Nursing Home Residents in Pennsylvania

Recent studies and surveys show the costs of long-term care for seniors have been rising rapidly, with projections indicating that the trend will continue into 2026 and beyond. Increased demand, inflation, staffing shortages, and operational costs are key factors driving up expenses, making long-term care a mounting financial challenge for many families. As most of us go through our daily routines, it is difficult to imagine needing help with daily tasks.  However, research has consistently shown that most Americans over age 65 will need daily help in the form of long-term care at some point.  Our kids don’t live near us as often as they did in the past so you can’t necessarily count on a family member for that help.  Many will need to pay for the services needed.   What is Long-Term Care? Long-term care encompasses a range of services designed to meet the medical and personal needs of individuals who are unable to perform essential activities independently. These services include assistance with daily activities such as bathing, dressing, and eating, as well as medical care for chronic conditions. Long-term care can be provided in various settings, including nursing homes, assisted living facilities, and in one’s home. Key Study Findings on Rising Costs The annual cost for assisted living jumped 10% from $64,200 in 2023 to $70,800 in 2024. The annual cost for a private room in a nursing home rose from about $116,800 to $127,750 in the same period. In-home care with a home health aide increased from $75,504 in 2023 to $77,792 in 2024. For 2025, senior care costs are projected to rise by 20-30%, driven by inflationary pressures, growing demand, and advancements in medical technology. The average annual expense for senior care now often exceeds $50,000, and can surpass $100,000 depending on the intensity and duration of care needed. Source: 2024 Survey by Genworth/CareScout Main Drivers of Cost Increases Labor shortages  have resulted in higher wages and payroll expenses for qualified caregivers, with the national average pay for in-home care climbing to $33-$34 per hour in 2024. Inflation  affects all aspects of the senior care industry, including utilities, food, and insurance premiums. Operational and capital costs  have risen due to more frequent investments in facility maintenance, infrastructure, and technology. Research on Impact and Affordability Studies warn that most seniors and their families lack sufficient savings and underestimate potential long-term care costs, with one report noting only 7% of seniors fully understand their insurance coverage for long-term care. Demand for senior care is increasing as the population ages and life expectancy rises, but funding for care programs and insurance benefits may become strained. There is growing recognition that improved integration of health, social services, and community supports is needed to help seniors age in place affordably. Cost Comparisons (2023–2024) Type of Care 2024 Annual Cost 2023 Annual Cost % Increase Homemaker Services (hourly) $75,504 $57,600 +31% Home Health Aide (hourly) $77,792 $63,360 +23% Assisted Living (monthly) $70,800 $64,200 +10% Nursing Home Semi-Private (monthly) $111,325 $104,028 +7% Nursing Home Private (monthly) $127,750 $116,796 +9% The data underscores the steep and continuing rise in senior long-term care costs, with specific studies citing double-digit percentage increases, especially for assisted living and nursing home services. Planning for Long-Term Care Planning for long-term care and figuring out how to pay for it can seem daunting. However, investing in long-term care insurance or qualifying for Medicaid may be some of the options available to you to lessen the burden of these ever-rising costs if you are unable to afford private pay for long-term care services. Keep in mind that you and your family members should do whatever you can to be proactive in planning for these possibilities. One of our experienced elder law attorneys can help you plan ahead, protect your hard-earned savings from the high costs of senior care, find the best way to pay for your long-term care needs, and determine whether you meet the eligibility requirements for any public assistance programs. Read: Beginning a Long-Term Care Conversation with Your Parents

If you have a parent or loved one in a nursing home or being cared for by a caregiver, one of your most critical concerns is likely about the safety of the staff caring for your loved ones. The simple answer is yes, Pennsylvania law requires nursing homes , senior care facilities and licensed caregiving agencies to conduct criminal background checks on their employees. This is a vital safeguard, but unfortunately, failures in this process can lead to devastating instances of abuse or neglect. When you entrust a vulnerable senior to a long-term care facility, you have a right to expect that the people providing direct care have been properly vetted. The Law Mandates Background Checks in Pennsylvania The primary law governing this area in Pennsylvania is the Older Adults Protective Services Act (OAPSA). This Act is designed to protect our care-dependent older adults by establishing specific screening requirements for individuals who work in covered facilities, including nursing homes. What Checks Are Required? Under OAPSA, potential employees of nursing homes and similar facilities must undergo a thorough criminal history check before they are hired. These checks typically include: Pennsylvania State Police Criminal History Record Check (PATCH): This is a statewide criminal record check. FBI Criminal History Record Check : This national fingerprint-based check is required if the applicant has not been a resident of Pennsylvania for the two consecutive years preceding the application. The results of this check must be sent to the Pennsylvania Department of Aging for review. Pennsylvania Child Abuse History Clearance: While primarily focused on children, staff in facilities that provide services to older adults often require this clearance as well. These screenings are not merely a suggestion; they are a legal obligation for every facility and licensed agency. The law is intended to prevent individuals with certain disqualifying criminal convictions - especially those related to violence, theft, sexual offenses, and drug offenses - from being hired to care for vulnerable residents. The Major Exception: Private Hires Here is the critical difference and where families face the greatest risk: If you hire an independent caregiver directly, without going through a licensed agency or registry, you become the employer. The legal burden to conduct a background check falls to you, the individual or family. The independent caregiver is not required by OAPSA to obtain and provide these clearances, though a responsible family should absolutely insist upon them. When an agency fails to run the checks, it's a violation of state law. When a family hires a private caregiver and skips the checks, they have foregone a vital layer of protection. Where the System Can Fail: Negligent Hiring The law is clear, but compliance isn't always perfect.  A nursing home's failure to adhere strictly to background check protocols may constitute negligent hiring. Negligent hiring occurs when an employer fails to exercise reasonable care in the selection of its employees, and as a result, an employee causes harm. In the context of a nursing home, this can happen in several ways: Failure to Conduct the Required Checks:  The facility may simply skip one or more of the legally mandated checks, or they may rush the process, leading to an incomplete picture of the applicant's history. Ignoring Red Flags:  A background check might reveal a concerning past, but the facility hires the person anyway, perhaps out of desperation due to understaffing. Incomplete or Out-of-Date Records:  The facility may rely on an old, outdated background check or one that only covers a limited geographic area. Failing to Conduct Ongoing Monitoring:  While the initial check is crucial, some facilities fail to follow through on their legal duty to conduct appropriate risk assessments or review records on an ongoing basis as new information becomes available. When a facility’s negligence in vetting its employees leads to staff-on-resident abuse, neglect, or injury, that facility can and should be held legally accountable. Hiring a staff member with a history of theft, only to have a resident's property stolen, or hiring an aide with a history of violence who then assaults a resident, are direct consequences of a negligent hiring failure. What You Can Do to Protect Your Loved Ones You are your loved one's best advocate. Don't be afraid to ask the tough questions. When choosing a facility, or if you already have a loved one in care, you should: Ask About Their Hiring Policies:  Inquire specifically about the background checks they perform. Ask if they conduct both state and federal (FBI fingerprint-based) checks for all direct-care employees. Be Vigilant:  Closely monitor your loved one’s care. Any signs of unexplained injuries, emotional distress, or sudden changes in demeanor should be investigated immediately. Report Concerns:  If you suspect an employee has a concerning past, or if you believe the facility's hiring practices are lax, report your concerns to the nursing home administrator and, if necessary, to the Pennsylvania Department of Health. If your family member has suffered an injury or been subjected to abuse or neglect due to the clear failure of a nursing home to properly screen its employees, you need experienced legal help. As your experienced nursing home injury attorneys , our role is to thoroughly investigate the facility’s hiring and training records to determine if negligent hiring was a factor and to fight tirelessly to hold them accountable. The safety of our seniors is non-negotiable.

We spend a great deal of time counseling aspiring entrepreneurs. While starting a business from scratch offers maximum control, the franchise model with its proven systems, established brand recognition, and built-in support often presents a more reliable path to ownership. If you’ve been considering taking the leap, the current and near-future market into 2026 is ripe with specific opportunities. However, before you sign a franchise agreement , understanding the timing and the legal due diligence required is crucial. Here’s our breakdown of the franchise landscape and what you need to know to make an informed decision before making an investment into a franchise. Part I: The Top Franchise Sectors Poised for Growth into 2026 The market is showing strong trends toward home-based services, health, and specialized education. Based on current economic indicators and expert analysis, here are five sectors showing the most promise for savvy investors: 1. Home Improvement & Refacing Services With the high cost of housing and a trend toward improving rather than moving, the demand for affordable home renovation is booming. Specifically, Cabinet Refacing Franchises are a strong play. They offer homeowners a faster, more budget-friendly, and eco-conscious way to transform a kitchen compared to a full remodel. For the franchisee, this often translates to lower overhead and faster project turnaround, which is excellent for cash flow. 2. Outdoor Living Services From the suburbs of Pittsburgh to the Main Line of Philadelphia, homeowners are viewing their backyards as extensions of their living space. Franchises specializing in Outdoor Living Services such as patios, pergolas, fire pits, and outdoor kitchens are thriving. This sector is resilient and offers multiple revenue streams, including the potential for recurring maintenance contracts. 3. Health and Wellness The prioritization of personal health continues its steady rise. This includes a broad range of Health and Wellness Franchises from boutique fitness studios and specialized recovery centers to nutrition coaching. These businesses often feature subscription-based or recurring revenue models, fostering strong brand loyalty and providing predictable income streams. 4. Senior Care Services The demographic shift of an aging population is one of the most reliable growth drivers. Senior Care Franchises (including in-home care and non-medical assistance) are considered highly recession-resistant. They meet a consistent, essential need, offering investors a business with long-term stability and significant community impact.  One challenge is recruiting and keeping caregivers.  There’s a lot of competition but also lots of need in the community. 5. Technology-Driven Education Parents are continuously investing in their children’s future, driving explosive growth in Technology-Driven Education Franchises, particularly those focused on STEM, coding, and specialized tutoring. These models are often scalable, adaptable to hybrid (online/in-person) formats, and tap into a non-discretionary parental priority. Part II: When Is a Good Time to Consider a Franchise? The best time to consider a franchise is not just based on market conditions, but on your personal and financial readiness . The Financial Window A good time to look is when you have stable capital and clear access to financing. Franchises require an initial investment (the franchise fee), working capital, and often substantial liquidity. Securing your financing options before  you start your deep search will give you negotiating power and confidence.  Maybe you’ve got an eye on retirement and are looking for your next gig.  Perhaps you’ve been working for someone else, saved money and want to try to be your own boss. The Personal Window Franchising is not a passive investment. It’s an active commitment to running a business, even if it uses a proven model. The right time is when you are ready to: Follow a System:  You must be prepared to follow the franchisor’s system precisely. If you are an entrepreneur who needs total creative freedom, franchising might not be the right fit. Commit Long-Term:  Franchise agreements are typically for 10 or 20 years. This must align with your long-term personal and financial goals. Active Involvement:   You should not expect to buy a franchise and be a long-distance owner.  Your chances of success are greatly enhanced if you plan to be actively involved.  You’ll need to roll up your sleeves and learn the business inside and out.  Part III: What to Keep in Mind: Making an Informed Decision If you’re interested in a franchise, we’ve got a phrase you need to know: “due diligence.” A successful franchise investment hinges on meticulous research and legal review. 1. The Franchise Disclosure Document (FDD) Every prospective franchisee is legally entitled to receive the Franchise Disclosure Document (FDD) at least 14 days before signing any binding agreement. This is your single most important document. Review with an Attorney:  Do NOT attempt to interpret the FDD on your own. Our job is to analyze the FDD’s 23 items, focusing on the legal language around territory rights, termination clauses, fees and royalties, renewal options, and litigation history of the franchisor. Territory:  Pay close attention to Item 12, which details your territory. Does it grant you exclusive or non-exclusive rights? Is the defined area large enough to sustain your business? 2. Validation: Talk to Existing Franchisees The FDD (Item 20) provides a list of current and former franchisees. This is your homework: call as many as you can. Ask hard questions: Did the franchisor’s initial investment estimate (Item 7) prove accurate? How valuable is the training and ongoing support? Are the franchisor’s renewal expectations reasonable? Did they manage to recoup their initial investment, and how long did it take? What were their biggest struggles?  Surprises? 3. Financial Analysis and Earnings Claims (Item 19) If the franchisor makes financial performance representations (Item 19), examine them closely. If they do not provide them, be wary. You will have to rely solely on your own projections and the financial data you gather from existing franchisees. Create conservative financial models based on the required investment and projected revenue, and ensure you have sufficient capital reserves to survive the first 12-18 months of business. The franchise model is a powerful engine for business growth , but it requires partnership and commitment. By identifying a high-growth sector and executing thorough due diligence (especially the legal review of the FDD) you set the stage for a successful and profitable enterprise here in Pennsylvania.

The One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025, is a significant piece of federal legislation that brings a number of changes impacting employers, particularly regarding wage and tax policies. While the law is federal, its provisions directly affect how Pennsylvania employers manage payroll, taxes, and employee benefits. Here's a breakdown of the key changes and what you should be doing to prepare. Effective Dates of Key Provisions Many of the OBBBA's employment-related changes are already in effect for the 2025 tax year, with others phasing in over the next few years. The most critical provisions for employers to note are: Retroactive to January 1, 2025: The act establishes new income tax deductions for "qualified tips" and "qualified overtime wages." Effective January 1, 2026: The tax credit for paid family and medical leave becomes more generous, and the annual limit for employer-provided educational assistance programs will be indexed for inflation. Tax Deductions for Tips and Overtime The OBBBA creates new, temporary tax deductions for employees, which, in turn, create new reporting requirements for employers. Qualified Overtime Wages: Employees can now deduct up to $12,500 ($25,000 for a joint return) of qualified overtime wages through the end of 2028. The deduction is available for hours worked over the 40-hour workweek, and the IRS has instructed employers to separately report this information on employee Form W-2s. Qualified Tips: Similarly, employees in tipped occupations can deduct up to $25,000 of qualified tips. “Qualified tips” means tips paid in cash, by credit card, or through tip sharing. Tips must be voluntary in the customer’s discretion, and cannot be required gratuities, mandatory service charges, and non-cash tips.  The IRS is expected to publish a list of covered occupations, but it's likely to include roles like servers, bartenders, and delivery drivers. Employers must also separately report this tip income on W-2s. For the 2025 tax year, employers may use a reasonable approximation to report these amounts. However, the IRS is expected to update withholding procedures for 2026 to account for these deductions.  Employers must continue to withhold on all tips and overtime compensation. W-2s will be required to state the employee’s total amount of qualified overtime compensation to reduce their federal income tax on overtime premiums, the employee must claim the tax deduction on their individual tax return. Overtime and tip compensation is still subject to Social Security, Medicare, state, and local taxes. Paid Family Medical Leave Tax Credit The OBBBA makes permanent and expands the tax credits employers may take for payments for Paid Family and Medical Leave (PFML) which were first allowed under the TCJA temporarily. Starting in 2026, to qualify for the tax credit, employers must pay employees with 6 months of service and who are employed 20 hours per week at least 50% of their normal wage while on leave for 2-12 weeks per year. Employers may still choose to offer PFML except in states where it is mandatory. In states with mandatory PFML, employers may now get a tax credit for paid leave that exceeds the mandated state amount. Costs may be offset with credits up to a percentage of wages covered. Employers who provide PFML under an insurance policy may now get a tax credit for a percentage of the benefit applied against total premiums paid. The amount of the tax credit is 12.5% on 50% of wages or premiums and is increased by .25% for each percentage point of wages paid over 50% up to a maximum of 25%. Employers must have a written PFML policy which must cover all employees and provide qualifying employees with a minimum of two weeks of PFML. Employers will be required to track employees’ leaves carefully because in the event of an audit, the IRS will require proof of policy, tracking, and payments. Permanent Telehealth and Educational Assistance Benefits The act also makes permanent some temporary benefits that were set to expire. This provides long-term clarity for employers offering these benefits to their workforce. Telehealth Services: High-deductible health plans can now permanently cover telehealth services before a plan participant meets their annual deductible. Student Loan Repayment: The OBBBA permanently extends the ability for employers to provide up to $5,250 per year in tax-free educational assistance for student loan repayments. The limit for this benefit will be indexed for inflation starting in 2026. The IRS is required to publish guidance, so employers should check for updates at  www.irs.gov  on the OBBBA page. The first guidance published on July 14 described some of the new tax breaks. On August 7, the IRS announced that W-2s and other forms will not be changed for 2025 and these changes will be made in 2026. On August 15, the IRS published a draft W-2 for 2026. By October 2, the IRS is supposed to publish a list of occupations that as of December 2024 customarily and regularly received tips. Dependent Care Flexible Spending Accounts Employees may contribute pre-tax amounts for childcare and related expenses (i.e., summer camps). The OBBBA increases the cap from $2,500 to $3,750 for employees filing separately and from $5,000 to $7,500 for employees filing jointly. As another potential perk, employers should consider whether to offer this benefit or whether to increase the cap if they already offer it, and work with their Plan Administrator to communicate changes during open enrollment. Recommended Actions for Pennsylvania Employers With these changes in motion, it's crucial for employers to take proactive steps to ensure compliance and avoid potential penalties. Update Payroll Systems: Ensure your payroll software can separately track and report "qualified overtime wages" and "qualified tips." This is a new and mandatory requirement for W-2 forms starting in 2025. Review Employee Benefits: If you offer educational assistance or high-deductible health plans, review your current policies to align with the OBBBA's permanent extensions.  Employers also may need to decide whether to offer certain benefits that may be ways to provide additional non-taxable income to employees as explained below. These benefits could be viewed as perks and incorporated into recruitment and retention strategies . Employers who want to offer them must develop written policies by January 1, 2026. Employers should look to Brokers and Plan Administrators for assistance with the written policies and communications to employees. You may want to communicate these permanent benefits to your employees. Consult with a Professional: Given the complexity of these federal tax law changes, it's highly recommended that you consult with your payroll provider, accountant, or one of Fiffik Law Group’s employment law attorneys to confirm your systems and practices are compliant. Staying on top of these changes isn't just a matter of legal compliance; it's also an opportunity to communicate valuable benefits to your employees.

Goodbye Summer!  Hello Great Lock In !  What is it?  It's a challenge running Sept 1 – Dec 31. As we approach the final quarter of 2025, it's time for Pennsylvania small business owners to "Lock In" for the remainder of 2025. This isn't about physically locking your doors, but rather strategically locking in your business for success in Q4 and in the coming year. What is the "Great Lock In"? The "Great Lock In" refers to the focused period during the last quarter of the year. Think of it as a “sprint” to identify and double down on accomplishing one or two key goals that can really “move the needle” for your business. It's a proactive approach that involves: Reviewing Performance:  Take stock of what you have a have not accomplished on your strategic plan for 2025. Identifying Goals:   Pick one or two goals that can make a real difference in your business.  In the next 121 days, you and your team can devote your undivided attention to accomplishing those goals.  Strategic Planning:  Set clear, achievable goals for 2026. Process Optimization:  Streamline operations to improve efficiency . Financial Assessment:  Evaluate your financial health and plan for future investments. Employee Development:  Invest in your team's skills and growth. Why Participate? Participating in the "Great Lock In" offers numerous benefits: Competitive Advantage:  By proactively planning, you gain an edge over competitors who may delay until the new year. Improved Efficiency:  Optimizing processes leads to increased productivity and reduced costs. Enhanced Financial Stability:  Careful financial planning ensures resources are allocated effectively. Motivated Workforce:  Investing in your employees boosts morale and reduces turnover. The Downside of Neglect Failing to focus on these key tasks during the last quarter can have significant consequences: Missed Opportunities:  You may miss out on potential growth opportunities by not planning strategically. Financial Instability:  Poor financial planning can lead to cash flow problems and hinder growth. Decreased Productivity:  Inefficient processes can slow down operations and reduce profitability. Employee Dissatisfaction:  Neglecting employee development can lead to decreased morale and increased turnover. Falling Behind:  Without a clear plan for 2026, you risk losing ground to competitors who are actively preparing. The "Great Lock In" is a vital opportunity for Pennsylvania small business owners to set the stage for success in 2026. By closing the year with clarity, consistency, and intention, you enter the next one not with resolutions, but with momentum already in motion. Don't let this opportunity pass you by.

Caring for a loved one is a journey filled with both rewarding and challenging moments. Yet when a crisis arises, whether it is a sudden hospitalization, a financial emergency, challenges from rival siblings, or the difficult decision to transition to end-of-life care, caregivers are often thrust into high-pressure situations with little time to think.  For Pennsylvania caregivers and their families, being legally prepared is critical. Without the proper documents, caregivers may be unable to act or make important decisions in an emergency. They may struggle to obtain financial information or pay bills.      Becoming a caregiver brings emotional challenges.  Changing the dynamic of your relationship from a parent/child or spousal partnership to something that feels less balanced can cause emotional struggle and confusion.  Especially for spouses who become caregivers, this transition is well-documented to be a difficult one: it comes with feelings of both relief and grief, which is a confusing juxtaposition. You may grieve the nature of the relationship before providing care, while simultaneously feeling grateful that you can be there and help fulfill their needs.  That is why a combination of legal readiness and emotional support resources is essential for navigating crisis moments.  Common Caregiving Crises  No two caregiving journeys are the same, but many families experience similar moments of crisis. Some of the most common include:    Medical Health Emergencies  A sudden health event such as a heart attack or stroke, hospitalization, surgery, or a rapid decline in health.  Knowing who is authorized to make medical decisions for your loved one.  Financial Disruptions  Needing to access to your loved one’s accounts to cover medical costs, pay bills, or manage unexpected expenses.  Knowing where your loved one has their accounts and who to call for assistance.  End-of-Life Decisions  Making choices about life support, hospice, or funeral arrangements.  Transitions in Care  Making a decision to move your loved one from their home.  Learning about the various options for care and how they are all paid for can be bewildering.  Moving a loved one from their home into your home, to assisted living, long-term care.    These situations are stressful, but legal preparation can reduce confusion and prevent costly court involvement.  Legal Documents That Empower Caregivers in Pennsylvania  In Pennsylvania, specific legal documents  and arrangements determine what actions caregivers can take during a crisis. Each tool comes with its own powers and responsibilities:    Healthcare Power of Attorney & Advance Directives    What it does: Appoints someone (the “agent”) to make healthcare decisions if the loved one becomes unable to speak for themselves. Advance directives, sometimes called living wills, spell out the person’s wishes about end-of-life healthcare.  It’s important to clearly identify who has authority to make decisions, especially for a parent of multiple children or an unmarried person with no children.      Caregiver powers & responsibilities: The agent may consent to or refuse medical treatments, choose doctors, and arrange hospital or nursing care. They must act in line with the loved one’s expressed wishes and best interests.    Financial Power of Attorney    What it does:  Grants authority to manage finances, pay bills, access accounts, and handle property. Financial institutions will not give you information about someone else’s account unless you can present a a legal document authorizing access to the information.  Pennsylvania’s Power of Attorney law requires specific language to be valid.    Caregiver powers & responsibilities:  The agent may write checks, manage investments, or handle insurance claims. They have a fiduciary duty to keep records, avoid conflicts of interest, and act solely for the benefit of the person they represent.    Revocable (Living) Trusts    What it does:  Allows a family to title assets in the name of a trust  managed by a trustee. If the trust creator becomes incapacitated, the successor trustee steps in without court involvement.      Caregiver powers & responsibilities:  The trustee must manage assets responsibly, pay bills, and use resources for the beneficiary’s care. They are legally accountable to follow the trust terms and act prudently.    Join our weekly webinar to learn more about trusts.     Guardianship or Conservatorship    What it does:  If no power of attorney exists, caregivers may need to petition the Pennsylvania Orphans’ Court for  guardianship  and appoint them as a loved one’s guardian. This is a time-consuming and expensive process that can be avoided with a power of attorney or revocable trust.  It can also be traumatic and confusing to your loved one.  If granted, this gives authority to make healthcare, living, and sometimes financial decisions under court supervision.    Caregiver powers & responsibilities:  A guardian must file reports with the court and may need approval for certain financial decisions. Their duty is to always act in the ward’s best interests.    Joint Bank Accounts or Authorized Signer Access    What it does:  Allows a caregiver to pay bills or withdraw money immediately. It is often used when a loved one wants to give quick access to funds without formal documents.  Caution: making a caregiver a joint account holder gives them ownership over the assets and rights to the money in the account after the care recipient dies, even if that is inconsistent with a will.  This is a common misunderstanding.     Caregiver powers & responsibilities:  The caregiver can access funds, but this authority comes with risks — such as exposing funds to the caregiver’s creditors or complicating inheritance when the loved one passes. Care must be taken to keep spending clear and appropriate.    HIPAA Releases    What it does:  Authorizes medical providers to share protected health information with the caregiver. Without it, even close family members may be denied access.    Caregiver powers & responsibilities: The caregiver may receive test results, speak directly with doctors, and help coordinate care. They must respect the loved one’s privacy and use the information only to support their care.    Each of these tools can provide peace of mind in a crisis, but only if they are properly prepared and up to date under Pennsylvania law.  Support Groups, Counseling Services, & Phone Check-Ins  Even with strong legal preparation, crises can take an emotional toll . That is why caregivers should also build a support system.    In Pennsylvania, Hope Grows , a nonprofit organization provides resources to support caregivers:   Children with Complex Medical Needs VIRTUAL   - Monday, September 15 from 6:00-7:30pm EST  Life During Caregiving VIRTUAL   - Thursday, September 18 from 6:30-7:30pm EST  Life During Caregiving VIRTUAL   - Thursday, September 25 from 9:30-11:00am EST  Life After Caregiving VIRTUAL  - Thursday, September 25 from 1:00-2:00pm EST    Email  intake@hopegrows.org  if you'd like to be put on the reminder list for our monthly support groups. You can contact them to receive monthly check-ins or counseling services for caregiving concerns, grief, and loss.    Crises are an inevitable part of caregiving, but Pennsylvania families can prepare both legally and emotionally. By planning ahead, caregivers in Pennsylvania can protect their loved ones, reduce stress in crisis situations, and focus on what truly matters: being present when they are needed most.    If you are a caregiver in Pennsylvania and want to ensure you are legally prepared for caregiving crises, contact Fiffik Law Group  today. Our experienced attorneys can help you establish the right powers of attorney , guardianships, revocable (living) trusts, and other estate planning documents to provide peace of mind and protect both you and your loved ones.

Our estate planning clients all want their hard-earned savings to benefit their biological family for generations to come. This can be a challenge when families have multiple children, some with children (grandchildren) and some without. You might worry about what happens to your assets if a child without children inherits, and then subsequently leaves that inheritance to a spouse or someone outside the family. Fortunately, trusts offer a powerful solution.   The Challenge: Protecting Your Legacy   Without careful planning, assets inherited by a child without descendants could ultimately pass to individuals outside your bloodline. For instance, if your child without children marries, their spouse could inherit those assets upon their death, potentially diverting them away from your family. This is a common concern I hear, and it's entirely valid.  You may be fond of your son or daughter-in-law, maybe even love them, but do you want them ending up with a substantial portion of your estate that otherwise could have gone to your biological grandchildren?  Presented with the choice, the answer is obvious to almost everyone.   The Solution: Strategic Trust Planning A well-structured trust can prevent this scenario. Here's how:   Life Estate Trusts:  You can create a trust that grants your child a "life estate." This means they receive the income and benefit from the assets during their lifetime. However, they don't own the assets outright. Upon their death, the trust assets pass to your designated beneficiaries, typically your grandchildren or other family members. This ensures your child is provided for, while preserving the principal for future generations within your family. Dynasty Trusts:  For a longer-term solution, consider a dynasty trust. This type of trust can last for many generations, shielding assets from estate taxes and protecting them from creditors or divorces of your descendants. It provides maximum control over how your wealth is managed and distributed throughout your family line. Specific Provisions in the Trust Document: The trust document itself is crucial. It should clearly state your intentions regarding who should benefit from the assets after your child's death. You can specify that the assets pass to your grandchildren, nieces, nephews, or any other blood relative you choose. You can also include provisions preventing the child's spouse or partner from inheriting those assets.   There’s an added benefit to these trust arrangements.  While in trust, your inheritance is protected in the event your child gets a divorce (think of the trust as a kind of prenup that your child doesn’t have to sign), has credit problems and suffers from an addiction.      Why This Matters Estate planning isn't just about distributing assets; it's about preserving your values and ensuring your wealth benefits those you intend to support. By utilizing trusts strategically, you can:   Provide for all your children, regardless of their family situation. Protect your assets from unintended beneficiaries. Maintain control over your legacy for generations to come. Minimize potential estate taxes.   Take the Next Step   If you're concerned about keeping your savings within your biological family, I encourage you to contact one of our experienced estate planning attorneys . We can discuss your specific circumstances, explore the different trust options available, and create a customized estate plan that reflects your wishes and protects your legacy. Don't leave these important decisions to chance. Schedule a consultation today to safeguard your family's future.

If you feel like your budget is getting stretched these days, you’re not alone.  Prices seem to be constantly on the rise while real wage rates have stagnated.  It’s putting a lot of strain on consumers.  Look no further for proof than three-fourths of people are relying on buy now, pay later services for essentials like groceries and clothes for their kids.  Inquiries related to foreclosures , debt, and bankruptcy are climbing back toward pre-pandemic highs. Stress in the household balance sheet is translating directly into more legal issues, a signal that financial strain is becoming more entrenched.   Life is stressful enough without having to live with persistent debt. Most people do not know the first thing about the options under bankruptcy.  It’s one of several options that you should consider, especially if you’re facing one or more of these stressors right now:    Overwhelming Debt: Unsecured debts like credit cards, medical bills, or personal loans have become impossible to manage, and minimum payments aren’t even reducing the principal. Consistent Struggle To Pay Bills: Every month involves picking which bills to pay late, and there’s no room for error in your finances. Creditors Are Suing or Threatening Lawsuits: If creditors have started legal actions or threaten to do so, bankruptcy can provide court protection and automatic stays. Risk of Foreclosure or Car Repossession: Falling far behind on mortgage or auto payments may risk losing a home or vehicle, and bankruptcy may help stop these actions. Using Credit Cards for Necessities: Regularly using credit for essentials like groceries or rent signals financial instability. Borrowing Money to Pay Debts: The need to borrow from friends, payday lenders, or take new loans just to pay existing debt is a warning sign. Drained Savings or Retirement Accounts: If savings or retirement funds are depleted to cover debts or living expenses, bankruptcy can help protect future financial security. Persistent Collection Calls or Wage Garnishments: Harassment by collectors, or garnishment of wages, are serious indications that debt has overtaken available resources. Living Paycheck to Paycheck with No Emergency Buffer: There’s never any extra money for savings, emergencies, or leisure, leading to chronic financial stress. Credit Card Dependency: When available credit is shrinking and paying off one card with another becomes routine, financial collapse may be imminent.   What You Should Do Next If several of these warning signs describe the current situation, bankruptcy may offer legal relief and a path to rebuild. Consulting with one of our experienced Pennsylvania bankruptcy attorneys is wise to understand legal options and protect important assets such as homes and retirement accounts.   When to Seek Professional Guidance Many people wait too long before seeking help, which can make recovery harder. Early intervention and legal advice can clarify options, including alternatives to bankruptcy, such as debt negotiation or consolidation.  If these signs sound familiar, exploring bankruptcy isn't admitting defeat - it's a proactive step to regain financial health with guidance from a qualified professional.