Entries by John H. Ruby & Associates

Addressing Student Loan Debt in Your Kentucky Estate Plan

The landscape of personal finance has changed dramatically. For previous generations, a person’s largest debt was typically their home mortgage. Today, many Kentuckians carry a different kind of financial burden, one that can follow them for decades: student loan debt. This debt is no longer just a concern for recent graduates. It is a significant […]

Multiple Parties in Kentucky Truck Accidents: Who Can You Sue?

The sheer force of a commercial truck collision on a Kentucky highway like I-65 or I-75 can be devastating. The aftermath is a chaotic scene of twisted metal, flashing lights, and life-altering injuries. For those harmed, the path to recovery is often complicated by the realization that a crash involving a semi-truck is rarely as […]

Managing Divorce Anxiety When You Don’t Know What Comes Next

The decision to end a marriage, or the realization that it is ending, often brings a wave of overwhelming uncertainty. The path forward feels obscured by a fog of questions about your finances, your home, and your children. This anxiety is a natural response to a major life transition where the future you had planned […]

How Prenuptial Agreements are Used for Estate Planning in Kentucky 

When people hear the term “prenuptial agreement,” their minds often jump to contentious divorces and the division of assets. While these agreements do play a significant role in clarifying financial matters in the event of a marriage dissolution, their purpose and power extend far beyond that scenario. A well-crafted prenuptial agreement is one of the […]

How Divorce Affects Your Kentucky Estate Plan

The end of a marriage marks a profound shift in every aspect of your life. Amid the emotional and logistical challenges of separating households and dividing assets, one of the most significant yet frequently overlooked tasks is revising your estate plan. The legal documents you created with your spouse, designed to protect your shared future, […]