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May  2018

In This Newsletter...
Living Trust Seminar
For the public and also for our existing clients who want to bring family or friends!

May 9
Orange Double Tree Hotel
9:30 - 11:30 am
100 The City Drive

May 12
Torrance Double Tree Hotel
9:00 - 11:30 am
21333 Hawthorne Blvd.

May 15
Torrance Marriott Hotel
9:30 - 11:30 am
3635 Fashion Way

May 19
Orange Double Tree Hotel
9:00 - 11:30 am
100 The City Drive

May 31
Torrance Marriott Hotel
6:30 - 8:30 pm
3635 Fashion Way

Medi-Cal Asset Protection Seminar
For the public and also for our existing clients who want to bring family or friends!

May 8
Torrance Main Office
9:30 - 11:00 am
990 W. 190th Street
Suite 500
Office Locations
For your convenience, we have multiple office locations throughout Southern California.

Main Office:

990 W. 190th St. 
Suite 500
Torrance, CA 90502

Other Local Offices:

790 E. Colorado Blvd.
9th Floor
Pasadena, CA 91101

5850 Canoga Ave.
4th Floor
Woodland Hills, CA 91367

333 City Drive West
17th Floor
Orange, CA 92868

5000 Birch St.
Suite 8000
Newport Beach, CA 92660
Contact Us
You may contact us to make an appointment for your initial consultation, to schedule a review of your current estate plan, or to make a referral.



Learn more about 
important estate planning issues by visiting our website.

Also, visit our blog to  keep up on the latest  developments in  estate planning.

Check Out Our New Website
Win a $5 Starbuck's Card!

Our law firm's website ( has undergone some major renovations, after taking into consideration the feedback from many of our clients.

Hopefully, you'll find the new look and layout more streamlined, making it easier to navigate and find items of interest.

We look forward to your comments - - and we'll even reward you for them!  The first 30 clients to send in critiques (including specific positives and negatives) will receive a $5 Starbuck's Gift Card.  Address your comments to .

Note: all our videos have not yet been uploaded to the site, but they will be soon!

Secon d Article

"What's In Your Wallet?"
(Part 2)
Attorney Philip Kavesh

Back in May of 2017, we warned you about some of the scams that seniors are exposed to because the Medicare Card, which you are instructed to keep in your wallet, contains your Social Security number. (Click here for prior article.)

The federal government has been laboring for over 3 years to re-issue Medicare cards which will provide greater protection again personal and financial fraud. Finally, the new cards are about to arrive!

Starting soon, new Medicare cards will be mailed to 60 million Medicare beneficiaries. Mandated by the Medicare Access and Chip  Re-authorization  Act of 2015, the new cards will not display your Social Security number. Instead, your card will display a randomly generated, 11-character beneficiary identification unique to you. It is expected that this new format will reduce identity theft.
Here are some other facts to know about the new card and the rollout:
The cards will be mailed out in phases. The first recipients will be residents of the mid-Atlantic states, along with California, Oregon, Alaska and Hawaii. 
  • Even people living in the same state may not get their cards on the very same date. So if your neighbor receives the new card before you receive yours, don't worry.
  • All your benefits will remain the same. 
  • The roll-out process is expected to be completed in 2019.
  • Beginning Jan. 1, 2020, health care providers will no longer accept the old cards.
  • When you get your new card, destroy the old one by shredding it or otherwise destroying it. Remember, it still has your Social Security number on it!
  • Even though your new card doesn't display your Social Security number, the information on it is private and valuable. Be careful where you keep the card and who you let see it.  You can keep the original in your wallet but also make a copy to store in a safe place.
  • You do not need to do anything to request the card. It will be sent to you automatically.
Not surprisingly, scammers are already seizing on the issuance of new cards as an opportunity to fleece the public. There have been reports of Medicare beneficiaries receiving calls in which they are told they must pay a fee to secure the new card, or provide their Social Security number to the caller. If you get a call like this, hang up and call 1-800-MEDICARE to report it!  
Recipe of the Month

Bread Pudding with Vanilla Sauce

Prep Time: 15m - Cook: 1h - Ready In: 1h25M
Servings: 8 - Calories: 546

  • 3 eggs, beaten 
  • 2 tablespoons light brown sugar 
  • 1/2 teaspoon ground cinnamon 
  • 1/4 cup butter, melted 
  • 3 cups whole milk 
  • 10 slices hearty farmhouse-style bread, toasted and cut into cubes 
  • 1 cup raisins 
  • 1/2 cup light brown sugar 
  • 1 tablespoon all-purpose flour 
  • 1 pinch ground cinnamon 
  • 1 egg 
  • 2 tablespoons butter, melted 
  • 1 1/4 cups whole milk 1 pinch salt 1 tablespoon vanilla extract
  • 1 1/2 cups white sugar


1. Preheat oven to 375 degrees F (190 degrees C). Grease a 2-quart baking dish.


2. In a mixing bowl, whisk 3 eggs, white sugar, 2 tablespoons of light brown sugar, 1/2 teaspoon of cinnamon, 1/4 cup of butter, and 3 cups of whole milk together, and gently stir in the bread cubes and raisins. Lightly spoon the mixture into the prepared baking dish.


3. Bake in the preheated oven until browned and set in the middle, 50 to 55 minutes; cover the dish with foil after 30 minutes to prevent excessive browning. Let the pudding stand for 10 minutes before serving.


4. For vanilla sauce, whisk 1/2 cup of light brown sugar, the flour, a pinch of cinnamon, 1 egg, 2 tablespoons of melted butter, 1 1/4 cups of whole milk,and salt together in a heavy saucepan until smooth. Heat over medium heat, whisking constantly, until thickened and the sauce coats the back of a spoon, 10 to 12 minutes. Stir in the vanilla extract. Pour sauce over warm bread pudding, or serve on the side in a bowl.


Recipe from
Thank You

Here is a very special to all of our clients who have referred family and friends, or forwarded our newsletter to them! If you are part of a group or club and you would be interested in having us speak to the members on important estate planning topics of interest, please contact us at .

Quote of the Month
null To describe my mother, would be to write about a hurricane in its perfect power. null

- Maya Angelou

© 2018 The Law Firm of Kavesh, Minor & Otis, Inc.