Opinion ID: 2515945
Heading Depth: 1
Heading Rank: 2

Heading: Complaint of Ina Grimes

Text: John Karstetter, an ALMS client service representative, went to the home of Ina Grimes, a widow, 82 years of age who had responded to the unsolicited mailing of Respondent concerning estate planning. Respondent's mailing did not state as required that it was Advertising Material. Karstetter advised Grimes regarding a trust and other estate planning instruments. Karstetter stated to Grimes that she could save $6,000 in probate costs. Karstetter recommended that Grimes engage Respondent to prepare the trust and other estate planning documents. Karstetter explained Respondent's document, Disclosure Statement and Agreement, and then had Grimes initial and sign the document. Grimes gave Karstetter a check in the amount of $1,995 made payable to Respondent. At no time did Respondent personally meet or counsel Grimes as to her estate planning needs.