Map family names to Linda or Harley. Covers Zelle transfers and BofA Mobile transfers (e.g. ETIENNE, LINDA). Tagged automatically on import.
π‘ Enter the name exactly as it appears in your BofA CSV description β e.g. etienne, linda or harley etienne. Case-insensitive.
π Reset Contributions
Clears all auto-categorized contributions and expenses-on-behalf back to Uncategorized so you can manually assign them.
βοΈ Transfer & Contribution Detection
Offset matching β automatically excludes transfers where the same amount moves between two of your accounts on the same day. No description matching needed. Zelle β not excluded. Zelle IN = π€ Family Contribution. Zelle OUT = π³ Expense on Behalf. Both are categorized and included in analysis.
Run re-scan after importing to catch any missed transfers.
This context feeds all AI recommendations β care costs, estate urgency, and support planning.
Mom's Age
Dad's Age
π Mom's Medications
π Dad's Medications
Current Medical Conditions
Current Care Needs
Future Care Concerns
π Documents & Records
Attachments: Store actual files (insurance cards, prescriptions, EOBs) in Google Drive or iCloud β link the folder path here. Uploading files to this app is not recommended as it would hit storage limits quickly.
π Estate
Document Status
Key Accounts & Policies
Shared Notes (Linda & Brother)
Notes are timestamped and attributed. Save after adding.
π Florida Estate Planning Guide
Key concepts for Florida seniors. Tap any item to expand.
π Lady Bird Deed (Enhanced Life Estate) FL Specific βΊ
A Lady Bird Deed lets your parents keep full control of their home while alive β they can sell, mortgage, or change the deed anytime β but automatically transfers ownership to the named beneficiary (e.g. Linda) at death, bypassing probate entirely. Unlike a regular life estate, they never need your permission to act on the property.
Why it matters: Avoids the 6β18 month FL probate process. Preserves Medicaid eligibility (home is excluded from asset calculations). Costs ~$300β500 to set up with an attorney.
Transfer on Death (TOD) for investment accounts and Payable on Death (POD) for bank accounts let your parents name a beneficiary directly on each account. At death, funds transfer immediately β no probate, no court, no waiting.
Action: Visit each BofA branch with a valid ID and ask to add a POD beneficiary to all 3 accounts (Checking 8903, Checking 3875, Savings 8730). Takes 15 minutes, costs nothing.
β οΈ Check: If accounts already have joint owners, POD may not be needed β but confirm it's set up correctly.
If either parent may eventually need nursing home care and want Medicaid to pay for it, Florida Medicaid looks back 5 years at all asset transfers. Gifts, transfers to family, or giving away assets within that window can disqualify them from benefits.
Why it matters at their age: With Dad in his early 90s, the lookback window is now. Any asset transfers should be reviewed by a Medicaid planning attorney before they happen. The home is generally exempt, but transfers of cash or other assets are not.
A Durable POA allows Linda (or another named agent) to manage finances, sign documents, and handle legal matters if either parent becomes incapacitated. Must be signed while the parent has full mental capacity β cannot be done after incapacity.
Florida-specific: Florida's 2011 POA law is strict β it must be signed before two witnesses AND a notary, and certain "superpowers" (like making gifts) must be explicitly authorized. An out-of-state POA may not be valid in FL.
Florida offers multiple property tax exemptions for seniors that significantly reduce annual bills:
β’ Standard Homestead Exemption β $50,000 off assessed value (saves ~$500β1,000/yr)
β’ Senior Exemption (65+) β additional $50,000 if income is under ~$35,000/yr
β’ Save Our Homes cap β limits annual assessment increases to 3%
Action: Confirm the Pinellas County Property Appraiser has all exemptions applied. Apply by March 1 each year.