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hello welcome to the webinar my name is Sam Dolce and Im an attorney with milestone consulting today Ill be presenting on when and why to use tax-free settlement designs this is part of our broader webinar series where we present on important financial topics for both attorneys and their clients but before we begin just a bit about me my dad was a trial attorney for more than 30 years he built his own personal injury firm from the ground up my mom is a PhD in rehab science and disability studies at SUNY Buffalo and she dedicates her life to help people of all levels of ability that she success growing up in that kind of house surrounded by union workers injured people people with all sorts of disabilities I knew that I was going to serve working people and serve people who were recovering so as soon as I graduated law school I became a personal injury attorney Ill it againi cases I helped a lot of people and then I became a class-action attorney for a pro bono outfit we did a lot o