Disclaimer

Summary

This page advises readers that with respect to site content created on or before December 17, 2010 (when the Publisher will cease the active practice of law):

1. KYEstates could be (or have been) considered to be an advertisement in Kentucky, under Kentucky’s attorney rules of professional conduct.
2. KYEstates is (or was) an attorney advertisment in Florida under Florida’s rules.

This page also makes a broad disclaimer regarding KYEstates blog ownership and content, cautions against reliance on KYEstates blog information, and advises you that reading the KYEstates blog or communicating with its owner or author does not create a professional relationship with Carter Ruml or any business entity (or affiliate of any such entity) employing Ruml.

Because until December 17, 2010 I am a practicing attorney and regulations governing attorneys are complex, the summary above is only a summary, and the full disclosure and disclaimer are provided below.

Substantive Disclosure

Under Kentucky Supreme Court Rule (7.02)(1)(j), I believe the KYEstates blog and related webpages were not and are not advertisements for Kentucky purposes.  It is possible, however, that the Kentucky Bar Association might determine otherwise.  Accordingly, as a precaution, please be advised that:

“THIS IS AN ADVERTISEMENT”

I believe that under the rules of the Florida Bar Association, the KYEstates blog and its related webpages were or are an advertisement that complied or complies with Rule 4-7.2, as evidenced by this checklist.  Please be advised that for Florida purposes, the KYEstates blog and its related webpages were or are a:

“LEGAL ADVERTISEMENT”

Substantive Disclaimer

This Blog is owned and operated by KYEstates.com LLC, a Kentucky limited liability company (the “Company”), and not by any law firm, financial institution, or other person or business entity.  Carter Ruml (Ruml) is the sole Member and Manager of the Company.  The Company exists principally to provide a separate legal entity in which this site can operate.  It does not engage in the practice of law or the provision of professional services of any kind or nature.

No material on KYEstates.com represents the opinion, position, or views of any person or institution other than Carter Ruml, including, without limitation, The PNC Financial Services Group, Inc. or any of its affiliates (together, “PNC”) or Wyatt, Tarrant & Combs, LLP (“Wyatt”). Further, no material on this site is legal, tax, accounting, investment, or other professional advice, or an offer or solicitation to purchase or sell any security.

The information contained in this Blog is provided for informational purposes only.

Do not apply general information in this Blog or elsewhere to specific facts without consulting an attorney, accountant, or other appropriately qualified professional.

Reading this Blog or communicating with Ruml will not and does not create a professional relationship with Ruml or any past or present employer of Ruml, including, without limitation, Wyatt or PNC.

This Blog links to other blogs or materials for convenience, but such links do not reply responsibility for or endorsement of the linked material or its author(s). Comments on the site reflect the opinions of their respective author, and do not reflect the opinion of Ruml or any past or present employer of Ruml, including, without limitation, Wyatt or PNC.

This Blog is provided “AS IS” without express or implied warranty of any kind, including, without limitation, implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

IRS Circular 230 may require that you be advised that you may not rely on any U.S. tax advice contained anywhere in this Blog or linked materials to avoid Federal tax penalties.