Welcome to Our Blog

Kevin McKernan Kevin McKernan

Reviewing Estate Planning Basics

Review estate planning basics this fall to ensure your will, trusts, beneficiaries, and powers of attorney reflect major life changes. Learn when to update your estate plan, how to protect digital assets, and which tools—like trusts, gifting strategies, and regular legal reviews—can strengthen your plan and protect your family’s future.

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Kevin McKernan Kevin McKernan

What Employers Need to Know about New York State's Trapped at Work Act

New York State’s Trapped at Work Act limits when employers can require workers to repay advances, stipends, or reimbursements. Learn which employers are covered, what repayment agreements are prohibited, key exceptions, potential fines, and practical steps New York employers should take now to review policies and stay compliant.

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Kevin McKernan Kevin McKernan

Applying for Medicaid

Applying for Medicaid requires meticulous financial documentation. Learn why creating a strong paper trail—including five years of bank statements, property records, tax returns, and gift history—is critical to approval. This guide explains what documents caseworkers request, how to prepare in advance, and how proper recordkeeping can prevent delays, denials, and costly complications during the Medicaid application process.

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Kevin McKernan Kevin McKernan

What to do about Employees with Disabilities

Learn what employers must do to support employees with disabilities under the Americans with Disabilities Act and the Rehabilitation Act of 1973. This guide covers inclusive workplace policies, reasonable accommodations, low-cost solutions, documentation best practices, insurance considerations, and available tax credits and deductions to stay compliant, reduce risk, and create a more accessible, equitable workplace.

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Kevin McKernan Kevin McKernan

Doing Nothing in Response to a Report of Sexual Harassment Could Cost you Millions

Ignoring a sexual harassment complaint can expose employers to massive liability. Learn how even a single incident may create a hostile work environment and why delayed or inadequate responses increase damages. This guide explains employer duties, response best practices, and corrective actions beyond discipline to reduce risk, protect employees, and avoid costly lawsuits.

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Kevin McKernan Kevin McKernan

Owners vs. Lender's Title Insurance: What's the Difference?

Confused about owner’s vs. lender’s title insurance? Learn the key differences between protecting a homebuyer’s ownership rights and a lender’s financial interest. This guide explains why lenders require title insurance, what each policy covers, and how both work together to protect your real estate investment at closing and beyond.

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Kevin McKernan Kevin McKernan

If You're Self-Employed, Look for This Special Mortgage

If you’re self-employed, a bank statement loan may be the mortgage solution you need. Designed for freelancers and gig workers without W-2s, these loans use 12–24 months of bank statements to verify income. Learn how they work, qualification requirements, credit score expectations, and why rates and down payments may be higher for non-salaried borrowers.

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Kevin McKernan Kevin McKernan

Employers Beware of an Extra Payday in 2026

Employers beware: 2026 brings an extra biweekly payday for businesses using a 26-pay schedule. Learn why some employers will face 27 pay periods, how this impacts salaried employees, and what payroll formulas can prevent overpayment. Discover compliance tips, communication requirements, and planning steps to avoid costly payroll errors in 2026.

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Kevin McKernan Kevin McKernan

Is the Trump Account a New Employee Benefit?

Could Trump Accounts become a new employee benefit? Starting July 1, 2026, employers may contribute up to $2,500 annually to government-backed, IRA-like accounts for employees’ children under a pilot program. Learn how Section 128 contributions work, eligibility rules, tax advantages, and what this benefit could mean for employers and working families.

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Kevin McKernan Kevin McKernan

Understanding the Threat: How Creditors can Access your Property

Worried about creditors accessing your property? Learn how New York residents can protect assets using homestead exemptions, LLCs, irrevocable trusts, insurance, and strategic titling. This guide explains what works, what doesn’t under New York law, and why timing matters. Discover practical, legal asset protection strategies—and why DIY approaches can backfire—before a claim or lawsuit arises.

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Kevin McKernan Kevin McKernan

2026 Wage Updates for New York Employers

New York employers must prepare for 2026 wage updates effective January 1. Learn how minimum wage increases and higher overtime exemption salary thresholds impact NYC, Long Island, Westchester, and the rest of the state. Review key figures, compliance obligations, and practical steps employers should take now to update pay policies and avoid costly wage-and-hour violations.

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Kevin McKernan Kevin McKernan

Can Self-Employed Individuals Claim the Tips Deduction?

Can self-employed individuals claim the new tips deduction? Learn how the up to $25,000 no-tax-on-tips deduction works, income limits, what qualifies as a “voluntary tip,” and why only tips reported on Forms 1099-NEC, 1099-MISC, or 1099-K count. Explore eligible industries and what freelancers must know to maximize this tax benefit.

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