Hsiao Law, PC, aka "Harmony Mama Law"

Hsiao Law, PC, aka "Harmony Mama Law" Life and Legacy Planning for Families
Certified Specialist in Estate Planning, Trust and Probate Law

09/10/2026

A trust that is not funded does not work. Beneficiary designations that do not coordinate with your trust create gaps. And life insurance that is not structured correctly misses the point. Everything has to work together or none of it does.

09/09/2026

A power of attorney that is too broad is a blank check. One that is too narrow will not work in a crisis. One with no backup leaves your family stuck if the first person cannot serve. And none of it matters after you pass away because it expires at death. Get this right before you need it.

09/08/2026

A will that names a guardian. A living trust that keeps your estate out of probate. Life insurance that actually covers your family. Updated beneficiaries on every account. And powers of attorney so the right person can step in when you cannot. Five documents every parent needs and most do not have all five.

09/06/2026

Where the life insurance is. What debts exist. What you want for your funeral. And that you loved them. Four things your children need to hear from you before they have to figure it out alone.

09/05/2026

A revocable trust keeps your home private and out of court. A pour over will catches anything you missed. And naming your trust as your life insurance beneficiary makes sure the money goes exactly where you intended. Most families never do any of these until it is too late.

09/04/2026

The moment your child turns 18 you lose the legal right to make medical decisions, access their financial accounts, or even talk to their doctor without their permission. These four documents give you that access back and most families never think about them until there is already a crisis.

09/03/2026

Courts follow documents not conversations. If your blended family estate plan relies on anyone knowing what you would have wanted, that is not a plan. That is a setup for conflict.

09/02/2026

The first week after losing a parent is hard enough without having to figure out the legal process from scratch. Save this so your family knows exactly where to start when the time comes.

09/01/2026

Most families spend decades paying down a home and never spend an afternoon making sure it can actually be passed on. If the house is still in your name when you die, your kids may wait months for probate while the bills keep running. A properly funded revocable living trust fixes it. Set it up while you can.

08/30/2026

Before you pass away, the way your assets are structured matters just as much as who you leave them to. A trust does what a direct designation cannot. It coordinates everything and makes sure nothing falls through the cracks.

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4225 Executive Square, Unit 600
San Diego, CA
92037

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Tuesday 1pm - 5pm
Wednesday 1pm - 5pm
Thursday 1pm - 5pm
Friday 1pm - 5pm

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