Andrew M. Ayers, P.C.

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Andrew M. Ayers, P.C. I am a lawyer who helps people and businesses create their legacy & protect their futures.

As a Business Owner, you want to focus on running your business, not getting bogged down in various legal issues that steal time away from the work you love. Even though websites will tell you that it’s easy to DIY a contract or use an app on your phone to mediate a dispute, doing so can put your business at risk. Taking the time to ensure your business has a solid legal foundation is vital to your long-term success.

10/19/2026

An LLC is a powerful tool, but it is not a shield for everything. Personal misconduct and professional malpractice are not covered, and you can still be held personally liable for these actions. Know the limits of your business protection.

10/16/2026

Starting an LLC? Be wary of personal guarantees on leases and loans. While your LLC offers protection, a personal guarantee means you're personally liable if the business can't pay. Always try to avoid this, especially with new businesses lacking credit history.

10/15/2026

Mom promised all three kids the house would be split equally. Twenty years later, the oldest son owns all of it, and his brother and sister get nothing.

Nobody stole anything. Back in 2004, the parents added him to the deed to keep things simple and skip probate. That one piece of paper beat both the will and Mom’s promise.

In my latest video, I walk through what happened and two simple ways to avoid probate without this risk.

Is one of your kids on your house deed here in Minnesota? When’s the last time you pulled the deed to see what it actually says?

10/15/2026

A common question: can your personal assets be seized for your LLC's debts? Generally, no. But exceptions exist. We discuss what makes an LLC legitimate to avoid personal liability.

10/14/2026

Your LLC doesn't disappear if you skip the dissolution process. We're comparing administrative termination versus actual winding up. Missing filings can lead to administrative dissolution, often fixable with a fee. True dissolution involves notifying creditors and the state, terminating contracts, and ensuring everything is officially wrapped up. Not renewing can mean missed lawsuits served to an old address, leading to costly default judgments.

Your will can leave your Bitcoin to your kids. What it can’t do is hand them the seed phrase.That’s the trap with crypto...
10/13/2026

Your will can leave your Bitcoin to your kids. What it can’t do is hand them the seed phrase.

That’s the trap with crypto. A bank account leaves statements and a paper trail. A crypto wallet can leave nothing at all. If your family doesn’t know it exists, or can’t get into it, the money is gone. Not frozen. Gone.

A good plan covers two separate things: who has legal authority over your digital assets, and how that person actually gets access. Without writing your passwords into a will.

Here’s how to set it up the right way in Minnesota:
https://www.andrewmayers.com/blog/digital-estate-planning-minnesota.cfm

Your will says who gets your house. It says nothing about your 401(k).A man sat in my conference room last week. He’d do...
10/13/2026

Your will says who gets your house. It says nothing about your 401(k).

A man sat in my conference room last week. He’d done everything right, or so he thought. After he remarried, he updated his will twice to make sure his new wife was fully protected.

He never touched the beneficiary form on his $400,000 401(k).

He hadn’t looked at it since before his divorce. His ex-wife’s name was still on it.

If something had happened to him, the plan would have paid her. Not his wife. Her.

“But my will leaves everything to my wife,” he said. “We settled the divorce years ago.”

It didn’t matter. A 401(k) pays whoever is named on the form. Minnesota law normally cancels an ex-spouse’s designation after a divorce, but federal law overrides that rule for most employer retirement plans. The will never comes into it.

You can spend $10,000 on a full estate plan, with a will, a trust, powers of attorney, and a healthcare directive, and a form you signed 15 years ago can still overrule all of it.

Married, divorced, or had a baby? Pull up your beneficiary forms this week. It takes 10 minutes.

10/13/2026

Understand the critical 120-day notice and creditor claim periods when dissolving an LLC. Letting an LLC lapse without proper filings means that 5-year liability clock might never start, leaving you exposed to future lawsuits.

Three siblings shared a bedroom growing up. Today they only talk through lawyers.It started with one deed in 2004.Their ...
10/12/2026

Three siblings shared a bedroom growing up. Today they only talk through lawyers.

It started with one deed in 2004.

Their parents bought a property and added their oldest son to the title. No lawyer. They wanted to keep it simple. Mom told all three kids they’d split it equally someday, and everyone took her at her word.

Twenty years went by. Both parents passed away. The property had gone up more than $250,000 in value.

Then the kids sat down to settle the estate, and the deed told a different story than Mom did.

The son was on the title as a joint owner. When his parents died, their share passed to him automatically. It didn’t go through the will, and the family’s understanding didn’t count. He owned the whole thing.

Mom’s promise? It was never written down. A verbal promise at the kitchen table won’t override a recorded deed.

The parents never meant to cut out two of their kids. They thought they were avoiding hassle. Instead they handed one child the entire property and left the other two with nothing but a lawsuit.

If you want your kids to share something equally, the paperwork has to say so. A transfer on death deed or a trust can do that without putting anyone on your title today.

10/12/2026

Your LLC doesn't just disappear if you skip the dissolution process. We're comparing administrative termination (missing filings) with a proper dissolution and winding up. Often, missing a filing just means a small fee to reinstate your business and prove it's still operating.

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6800 France Avenue S
Edina, MN
55435

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Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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