Smoky Mountain Trader

August 1, 2019

The Smoky Mountain Trader a free Classified paper serving 12 counties in 3 states. Hamblen, Knox, Jefferson, Cocke, Grainger, Sevier, Hancock, Hawkins, Claiborne and Greene Counties in Tennessee. Plus Lee County Virginia and Bell County Kentucky.

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Two cemetery lots, Jefferson Memorial Gardens, includes opening & closing, lawn crypts & individual memorial plaque, $6,000. Owner pays transfer fee. Call 404-402-7262. 356 Excavation & Dirt Work LEFFEW DIRT WORKING SERVICES: Bobcat, Trackhoe, Bushhogging, dump Truck Services. Best Rates. Will Beat any other price!! 423-312-7871 Free Estimates BACKHOE and BOBCAT work. Dig basements, foundations, utility trenches, culvert pipes, grading and backfill. Clear trees and stumps. Haul gravel, sand and dirt. Demolition and haul debris. Free estimates. 423-312-6999, leave message. 357 Fencing BROWN's CUSTOM FENCING & CONSTRUCTION Farm and Ranch fencing, wood, hi-tensile, woven wire, barb wire, chain link, Pole Barns - We sell wood posts, gates and all types of fence materials. We rent bobcats and attachments 423-235-7400 or 800-249-6274 www.BrownsCustom Fencing.com 395 Roofing & Guttering CLASSIFIEDS WORK! GUTTERS & MORE Seamless Guttering & Leaf Guards Repair and Gutter Cleaning Over 20 Colors 423-587-2187 R.S.G. HOME IMPROVEMENT Residential or commercial. Roofing: all types and repairs,Siding, vinyl siding, soffit, guttering, windows, and doors. We paint metal roofs,houses, mobile homes, and barns. Over 45 years experience. Free Estimates. All work guaranteed. Call 423-293-5078 If you have a child or another family member with disabilities, you obviously have concerns and questions. How can you help your loved one achieve the greatest quality of life possible? Can you arrange for adequate services? What's the best way to pay for them? Can you get some financial help? Fortunately, you are not alone. Your disabled family member may well be eligible for several government programs. But these programs won't cover everything, so you may want to help close the gaps. Yet, some government benefits impose eligibil- ity restrictions based on the level of assets or resources available to the recipient, which means the financial help you're willing to provide could backfire – unless you establish a special needs trust. A special needs trust allows the benefi- ciary – your family member – to receive government benefits while still receiving funds from the trust. You, as the donor, supply these funds, while a trustee holds and administers them according to your wishes. Generally speaking, the beneficiary can't use the trust for basic support – food, clothing and shelter – or to receive benefits that can be provided by the government. Instead, the trust can be used to provide specialized therapy, special equipment, recreational outings and other items. When considering a special needs trust, you'll need to explore several issues, but it's especially important to focus on these two: Naming a trustee – You could name a trusted family member or friend as a trustee. This choice works well for many people, but it does have the potential to cause familial conflicts. Another possibility is to name a trust company, which can provide professional management, exper- tise and continuity of administration. You can even name an individual and a trust company as trustees, combining the personal touch of a family member with the technical and administrative skills of a professional trustee. Funding the trust – You can fund the trust during your lifetime or have it activated upon your passing. You don't have to be the sole donor, either – you can structure the trust so other family members can contribute to it. And a trust can be funded with many types of assets – securities (stocks and bonds), IRA proceeds, insurance death benefits and more. While it's important you understand the fundamentals of a special needs trust, it's not a do-it-yourself endeavor. In fact, creating this trust can be complex. For one thing, there are a few different types of special needs trust, so you'll need to determine which is right for your needs. Also, it's important to be familiar with the requirements of various federal, state and local benefit programs for people with disabilities. For these and other reasons, it's essential to work with a local estate- planning professional who knows the regulations in your area. You may also need to bring in your financial professional, who can help with the funding elements of a special needs trust, and who can possibly recommend a trust company, if you choose to use one. You'll do anything you can to make life better for a disabled child or family member – and one tool you have at your disposal is a special needs trust. Consider looking into one soon. Can Your Family Benefit Can Your Family Benefit From a Special Needs Trust? From a Special Needs Trust? Marcus Trantham Financial Advisor 6144 Cumberland Gap Parkway Suite 3 Harrogate, TN 37752-7861 Bus. 423-869-3608 Fax 888-810-2732 marc.trantham@edwardjones.com www.edwardjones.com/marc-trantham This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Edward Jones, its employees and financial advisors are not estate planners and cannot provide tax or legal advice. You should consult your estate-planning attorney or qualified tax advisor regarding your situation. • NO OBLIGATION • NEVER A CHARGE FOR OUR SERVICE Tennessee Senior Benefits 2351 East Morris Blvd. Located Across From College Square Mall, Beside Hardees 423.581.1004 800.226.1004 WE SPEAK • NO OBLIGATION MEDICARE facebook.com/tennesseemedicare 215 E. Morris Blvd • Morristown Mon-Sat 9:30-7 • Sun 12-5 423-318-8787 NEW SELECTIONS & NEW SHOES & BOOTS ARRIVING DAILY ©SMTPub, Inc. www.elliottsboots.com • Find us on Facebook! Boots & Shoes Work • Outdoor & More Ariat • Danner • Merrell • Keen • Ugg • Lucchese • Justin • Sanuk • Frye Yeti • Kavu • Rocky • Reef • Teva • Chaco • Hunter 215 E. M Mon- 423 orristown 12-5 787 ©SMTP I ub Inc nc nc nc n ©SMTPub, Inc. GIFT CARDS GIFT CARDS AVAILABLE! AVAILABLE! Marcus Trantham Financial Advisor 6144 Cumberland Gap Parkway Suite 3 Harrogate, TN 37752-7861 Bus. 423-869-3608 Fax 888-810-2732 marc.trantham@edwardjones.com www.edwardjones.com/marc-trantham Page 10 - The Smoky Mountain Trader - August 1 - August 7, 2019 www.thesmtrader.com The Smoky Mountain The Smoky Mountain TRADER The Smoky Mountain The Smoky Mountain TRADER IS ONLINE! thesmtrader.com SCAN TO SUBSCRIBE

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