Skip to main content

Kevin D Quinn

Estate planning Attorney at Easthampton, MA

5.0   10 reviews
Free consultation Virtual consultation available
Free consultation Virtual consultation available
  • State Years
    Connecticut - CT 30 years
    Massachusetts - MA 30 years
  • Licensed for 30 years
    State CT
    Acquired 1993
    Status
    Active No misconduct found
  • Licensed for 30 years
    State MA
    Acquired 1993
    Status
    Active No misconduct found

We have not found any instances of professional misconduct for this lawyer.

About Kevin

Learn Kevin’s areas of practice.

5
Practice areas
  1. Estate planning
    30%
    Advanced and General Estate Planning, Trusts & Wills, Retirement and Business Planning, Wealth Strategies and Planning, Asset Protection, Charitable Planning, Probate and Estate Administration, Trust Administration, Medicaid Planning

  2. Business
    25%
    Advanced and General Estate Planning, Trusts & Wills, Retirement and Business Planning, Wealth Strategies and Planning, Asset Protection, Charitable Planning, Probate and Estate Administration, Trust Administration, Medicaid Planning

  3. Elder law
    15%
    Advanced and General Estate Planning, Trusts & Wills, Retirement and Business Planning, Wealth Strategies and Planning, Asset Protection, Charitable Planning, Probate and Estate Administration, Trust Administration, Medicaid Planning

  4. Medicaid and medicare
    10%

  5. Trusts
    10%

  6. Wills and living wills
    10%

CELEBRATING 29 YEARS OF HELPING FAMILIES CREATE A LASTING LEGACY

An accomplished Estate and Wealth Strategies Planner®, Mr. Quinn is a full Fellow of the Esperti-Peterson Institute and has completed the institute's three year post-doctoral program in Wealth Strategies Planning®. Attorney Quinn is a member of the WealthCounsel, LLC. Mr. Quinn is a former member of the National Counsel on Planned Giving and the Connecticut Planned Giving Group. He is a co-founder of the Wealth Legacy Development Project, an organization dedicated to helping non-profit organizations develop planned giving programs.

 

Mr. Quinn is the founder and an instructor of the Wealth Strategies Institute, LLC, a professional education institute which provides continuing education to certified public accountants, certified financial planners, attorneys, development officers and insurance professionals. He is a former Adjunct Professor of the Estate and Wealth Strategies Institute at Michigan State University and has taught classes for Lorman Education Services, Wealth Counsel, LLC and the National Network of Estate Planning Attorneys.

 

Licensed In:
Connecticut
Massachusetts

 

Areas of Expertise:
Planning for Affluent Families
Wills & Trusts
Gift and Estate Tax Planning
Probate/Trust Administration
Planning for Non-traditional Families
Income Tax Planning
Elder Law/Medicaid Planning
Gift and Estate Tax Audits
Charitable Planning
FLP & LLC Planning
Business Entities & Succession Planning
Asset Protection Planning

Photos and videos

Location

Legacy Counsellors, P.C.
Legacy Counsellors, P.C.
699 Bloomfield Avenue
Bloomfield, CT, 06002
Legacy Counsellors, PC
358 Sewall Street
Ludlow, MA, 01056
Legacy Counsellors, PC
437 Main Street
Amherst, MA, 01002
Legacy Counsellors, PC
32 Masonic Street
Northampton, MA, 01060
Hide locations

Reviews

5.0 / 5.0
  10 customer reviews
5 Star
 
100%
4 Star
 
0%
3 Star
 
0%
2 Star
 
0%
1 Star
 
0%
Posted by Calan | August 23, 2022
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Top notch
Kevin is a fantastic resource. Highly competent. Have had several clients over the past decade use his services and have always received positive feedback. He has come up with clever, legal, solutions to accomplish complex problems. Highly recommend. Thanks, Kevin, for all you do!
Posted by Tassma | June 28, 2018
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Excellent
Kevin and his team do an excellent job of organizing and preparing their sophisticated plans. They are exceptional to work with.
Posted by Tony | March 25, 2015
Tony & Beth
We've been working with Kevin over the past 5 months on estate planning. We have found Kevin and his services to be excellent. He can take a very complicated area and explain in a way that is very understandable. He's very thorough and organized, which is evidenced by the efficient process and documentation and agreements he puts together. He's very responsive and accommodating as it relates to meetings and inquiries. He also gives us comfort that he will be there in the future and will work with us along the way to ensure the plan we have put together is effective and up to date. I would highly recommend Kevin and his team.
Read less
Posted by Dan | August 13, 2013
Estate Planning Excellence
As an Insurance and Financial Advisor, I have referred several clients to Kevin for his Estate Planning expertise. Last month, he worked with my 77 year old couple with complex Estate and Business Planning needs. His recommendations were clear, met their needs and wants, and will significantly reduce their potential Estate Tax. Kevin's focus on Estate Planning is evident in the depth and quality of his work. He not only provides our clients with comprehensive choices, he gets them to take action and complete their planning. In addition to referring many clients to Kevin over the last 20+ years, my wife and I are his clients.
Read less
Posted by Bev & Jim | October 24, 2011
Highly Recommend Kevin
We have used Kevin's services for some 4 years now for estate planning, designing and implementing trusts and our family foundation. He is extremely knowledgeable in all areas and has provided invaluable insights, advice and counsel to our whole family. He has not only worked on educating us but our children as well. He is always responsive, patient and very caring. He goes the extra mile for us whenever the need arises.
Read less
Posted by Doug | October 9, 2011
Estate Planning
We have used Kevin's services for more than three years. Besides being incredibly knowledgeable and always up-to-date, Kevin has the ability to make a very complex subject understandable. In addition, working with Kevin is thoroughly enjoyable.
Posted by anonymous | October 4, 2011
Great Service
Kevin's primay strength is the ability to take complex issues and translate them into understandable English. I have enjoyed working with him and count on him for all of my trust/estate related questions
Posted by anonymous | October 3, 2011
Awesome
We used Kevin Quinn for our estate planning. It is the second firm we have used over the years, the other a very high end firm in San Francisco. Kevin and his staff blew the other firm away in their knowledge, and ability to focus on our specific family requirements to come up with great solutions at a reasonable price. I highly recommend Kevin and his firm.
Read less
Posted by Rich | August 27, 2011
Review of Kevon Quinn
Kevin is an expert in Estate Planning. We've found him trustworthy, thorough and always willing to answer questions in a complicated field. Best of all - His regular educational tutorial sessions on various Estate topics are absolutely invaluable.
Posted by Alan | August 18, 2011
estate plannig
We met with Attroney Quinn thorougly confused about setiing up our estate and he was very knowlegeabe and helpful. He and his staff are always ready and willing to answer any questions and concerns that we have had.
View less reviews

Cost

Rates
  • Free Consultation 60 minutes
  • Retainer Sometimes
Payment methods
Cash, Check, Credit Card

Resume

AVVO RATING 9.2 (Superb)

Work Experience

  • Founder & Instructor
  • Wealth Strategies Institute, LLC
  • 2001 - Present
  • President
  • Legacy Counsellors, P.C.
  • 1994 - Present
  • Adjunct Professor
  • University of Hartford Barney School of Business Administration
  • 1988 - 1995
  • Senior Budget Analyst
  • Kaman Aerospace
  • 1986 - 1996
  • Corporate Pilot
  • Northampton Coca-Cola Bottling Company
  • 1982 - 1986
View all work experience

Education

  • Esperti Peterson Institute
  • Post Doctoral
  • 2001
  • Western New England College School of Law
  • Juris Doctorate
  • 1993
  • University of Connecticut
  • MBA
  • 1986
  • Embry-Riddle Aeronautical University
  • BS - Bachelor of Science
  • 1980
  • Embry-Riddle Aeronautical University
  • AS Aviation Management
  • 1980
View all education

Sample of Legal Cases

  • Confidential
  • Approximately $2 million of assets protected, claimant deterred from further action

Associations

  • Central Connecticut Business and Estate Planning
  • 2000 - Present
  • Wealth Counsel Forum - Connecticut
  • 2000 - Present
  • WealthCounsel, LLC
  • Member
  • N/A
  • National Counsel on Planned Giving
  • N/A
  • Connecticut Planned Giving Group
  • N/A
  • Wealth Legacy Development Project
  • N/A
  • Massachusetts Bar Association's Probate and Estates section
  • N/A
  • Connecticut Bar Association's Probate and Property section
  • N/A
  • American Bar Association's Probate and Property section
  • N/A
  • National Network of Estate Planning Attorneys
  • 1991 - 2001
  • Esperti-Pterson Institute
  • Full Fellow
  • N/A
View all associations

Languages Spoken

  • English

Honors and Awards

  • 2011 Connecticut Wealth Advisors
  • Connecticut Magazine
  • 2011
  • Fellow of the Institute
  • Esperiti Peterson Institute
  • 2001

Publications

  • GIVING - Philanthropy for Everyone
  • GIVING - Philanthropy for Everyone
  • 2003
  • "Strictly Business" Planning Strategies for Privately Owned Businesses
  • "Strictly Business” Planning Strategies for Privately Owned Businesses
  • 2002
  • "Generations" Planning for Your Legacy
  • "Generations" Planning for Your Legacy
  • 1999
View all publications

Speaking Engagements

  • Charitable Planning- Planned Giving
  • Charitable Planning- Planned Giving
  • 2023
  • Back to the Future
  • Back to the Future
  • 2023
  • The Truth About Estate Planning
  • The Truth About Estate Planning
  • 2022
  • Perpetuate Family Wealth
  • Perpetuate Family Wealth
  • 2022
  • More Truth About Estate Planning
  • More Truth About Estate Planning
  • 2022
  • What You Can Do NOW To Prepare for Biden Admin Tax Leg.
  • What You Can Do NOW To Prepare for Biden Admin Tax Leg.
  • 2021
  • Understanding & Planning for Medicaid
  • Understanding & Planning for Medicaid
  • 2021
  • Resurrection of the ILIT
  • Resurrection of the ILIT
  • 2021
  • Planned Giving
  • Planned Giving
  • 2021
  • Estate Settlement
  • Estate Settlement
  • 2021
  • Asset Protection
  • Asset Protection
  • 2021
  • Asset Protection
  • Asset Protection
  • 2021
  • Wealth Transfers
  • Wealth Transfers
  • 2020
  • SECURE Act Solutions
  • SECURE Act Solutions
  • 2020
  • Perpetuate Family Wealth
  • Perpetuate Family Wealth
  • 2020
  • Lessons Learned
  • Lessons Learned
  • 2020
  • CT Uniform Trust Code
  • CT Uniform Trust Code
  • 2020
  • The Truth about Estate Planning
  • The Truth About Estate Planning
  • 2017
  • Estate Administration from Start to Finish
  • Handling Estate Administration Tax Issues and Distribution / Closing of the Estate
  • 2017
  • Business Succession Planning
  • Business Succession Planning
  • 2017
  • The Probate Process From Start to Finish
  • The Probate Process From Start to Finish
  • 2016
  • Wealth Strategies Institute, LLC
  • Business Succession Planning
  • 2013
  • Rules of Trust Administration - Hartford, CT
  • Rules of Trust Administration
  • 2013
  • Northwest Mutual
  • Planning under the 2012 Tax Relief Act
  • 2013
  • LIMRA International
  • Planning under the 2012 Tax Relief Act
  • 2013
  • LIMRA
  • Business Succession Planning
  • 2013
  • Wealth Strategies Institute, LLC
  • Asset Protection Planning
  • 2012
  • Wealth Strategies Institute, LLC
  • Business Succession And Estate Planning for Business Owners
  • 2012
  • Wealth Strategies Institute
  • Charitable Planning In light of the 2012 election results
  • 2012
  • LIMRA International
  • Use of Intentionally Defective Grantor Trusts
  • 2012
  • LIMRA International
  • Irrevocable Life Insurance Trusts
  • 2012
  • LIMRA International
  • Long Term Care Planning
  • 2012
  • LIMRA International
  • Creditor Protection Planning
  • 2012
  • LIMRA International
  • Planning Opportunities under the 2010 Tax Act
  • 2012
  • LIMRA International
  • Planning Opportunities under the 2010 Tax Act
  • 2011
  • Advice One, LLC
  • Planning Opportunities under 2010 Tax Act
  • 2011
  • UBS Financial Services
  • Estate Planning Update
  • 2010
  • LIMRA International
  • Advanced Estate Planning of IRA Distributions
  • 2010
  • LIMRA International
  • Sophisticated Estate Planning with Large IRAs
  • 2010
  • LIMRA International
  • Use of Split Dollar Agreements
  • 2010
  • LIMRA International
  • Estate Planning Update
  • 2010
  • LIMRA International
  • Business Transfer Strategies
  • 2010
  • LIMRA International
  • Creditor Protection Planning
  • 2010
  • LIMRA International
  • Advanced Estate Planning of IRAs
  • 2010
  • LIMRA International
  • Integrating Sophisticated Planning Solutions into a Single Wealth Strategies Plan
  • 2010
  • LIMRA International
  • Decision in Crisis
  • 2010
  • AdviceOne, LLC
  • Use of Split Dollar Agreements
  • 2010
  • Wealth Strategies Institute, LLC
  • Decision in Crisis
  • 2009
  • Wealth Strategies Institute, LLC
  • Estate Planning with GRITs, GRATs and QPRTs
  • 2009
  • Wealth Strategies Institute, LLC
  • Alaska Trusts
  • 2009
  • Wealth Strategies Institute, LLC
  • The Role of the Family Office
  • 2009
  • People's Financial and Insurance Services
  • The Truth About Estate Planning
  • 2009
  • People's Financial and Insurance Services
  • Irrevocable Life Insurance Trusts
  • 2009
  • People's Financial and Insurance Services
  • Long-Term Care Planning
  • 2009
  • People's Financial and Insurance Services
  • Solutions for Estate Planning IRA Distributions
  • 2009
  • People's Financial and Insurance Services
  • Asset Protection
  • 2009
  • People's Financial and Insurance Services
  • Creditor Protection Planning
  • 2009
  • People's Financial and Insurance Services
  • Use of Family Limited Partnerships in Sophisticated Estate Planning
  • 2009
  • People's Financial and Insurance Services
  • Charitable Lead Trust Planning
  • 2009
  • People's Financial and Insurance Services
  • Charitable Remainder Trust Planning
  • 2009
  • People's Financial and Insurance Services
  • Use of Private Foundations in Wealth Strategies Planning
  • 2009
  • LIMRA International
  • Business Succession Planning
  • 2009
  • The 8 Greatest Estate Planning Techniques
  • Sale to Grantor Trusts
  • 2008
  • The 8 Greatest Estate Planning Techniques
  • Grantor Retained Annuity Trusts and Qualified Residence Trusts
  • 2008
  • The 8 Greatest Estate Planning Techniques
  • Protecting the Estate from Taxes and Creditors - Family Limited Partnerships
  • 2008
  • The 8 Greatest Estate Planning Techniques
  • Making the Most of Life Insurance - Irrevocable Life Insurance Trusts
  • 2008
  • The 8 Greatest Estate Planning Techniques
  • Revocable Living Trusts: Will They Work - Effectively Using Revocable Trusts
  • 2008
  • The 8 Greatest Estate Planning Techniques
  • Problems with Traditonal Planning - Title, Beneficiary Designations and Wills
  • 2008
  • The 8 Greatest Estate Planning Techniques
  • Effective Estate Planning - A New Perspective
  • 2008
  • Smith Barney
  • The Family Limited Partnership
  • 2008
  • LIMRA International
  • Use of Intentionally Defective Grantor Trusts
  • 2008
  • LIMRA International
  • Creditor Protection Planning
  • 2008
  • LIMRA International
  • Charitable Lead Trusts
  • 2008
  • LIMRA International
  • The Family Limited Partnership
  • 2008
  • LIMRA International
  • The Role of the Family Office
  • 2008
  • LIMRA International
  • Business Transfer Strategies
  • 2008
  • LIMRA International
  • The Current State of the M&A Market
  • 2008
  • LIMRA International
  • Business Valuation Techniques
  • 2008
  • Financial Planning and Investement Conference
  • Current Issues in Inherited IRAs and Trusts
  • 2008
  • AdviceOne, LLC
  • Use of Intentionally Defective Grantor Trusts
  • 2008
  • Accounting for Estates and Trusts in Rhode Island
  • Leveraging the Power of Gifts in Estate Planning
  • 2008
  • Accounting for Estates and Trusts in Rhode Island
  • IRD and Retirement Plans
  • 2008
  • Trust Administration in Connecticut
  • Trust Administration in Connecticut
  • 2007
  • The 8 Greatest Estate Planning Techniques
  • Sale to Grantor Trusts
  • 2007
  • The 8 Greatest Estate Planning Techniques
  • Grantor Retained Annuity Trusts and Qualified Residence Trusts
  • 2007
  • The 8 Greatest Estate Planning Techniques
  • Protecting the Estate from Taxes and Creditors - Family Limited Partnerships
  • 2007
  • The 8 Greatest Estate Planning Techniques
  • Making the Most of Life Insurance - Irrevocable Life Insurance Trusts
  • 2007
  • The 8 Greatest Estate Planning Techniques
  • Revocable Living Trusts: Will They Work - Effectively Using Revocable Trusts
  • 2007
  • The 8 Greatest Estate Planning Techniques
  • Problems with Traditional Planning - Title, Beneficiary Designations and Wills
  • 2007
  • The 8 Greatest Estate Planning Techniques
  • Effective Estate Planning - A New Perspective
  • 2007
  • Succession Planning for Single-Owner Businesses
  • Succession Planning for Single-Owner Businesses
  • 2007
  • Succession Planning for Single-Owner Businesses
  • Succession Planning for Single-Owner Businesses
  • 2007
  • LIMRA International
  • Charitable Lead Trusts
  • 2007
  • LIMRA International
  • Intentionally Defective Grantors Trust
  • 2007
  • LIMRA International
  • Family Limited Partnership
  • 2007
  • LIMRA International
  • Solutions for Estate Planning IRA Distributions
  • 2007
  • Creditor Protection Planning
  • Creditor Protection Planning
  • 2007
  • Business Succession Planning
  • Business Succession Planning
  • 2007
  • Business Succession Planning
  • Business Succession Planning
  • 2007
  • Business Succession Planning
  • Business Succession Planning
  • 2007
  • Asset Protection Planning
  • Asset Protection Planning
  • 2007
  • The 8 Greatest Estate Planning Techniques in Connecticut
  • Protecting the Estate from Taxes and Creditors - Family Limited Partnerships
  • 2006
  • The 8 Greatest Estate Planning Techniques in Connecticut
  • Effective Estate Planning
  • 2006
  • The 8 Greates Estate Planning Techniques in Connecticut
  • Maximizing Wealth While Minimizing Issues - Charitable Trusts
  • 2006
  • The 8 Greates Estate Planning Techniques in Connecticut
  • Sale to Grantor Trusts
  • 2006
  • The 8 Greates Estate Planning Techniques in Connecticut
  • Grantor Retained Annuity Trusts and Qualified Residence Trusts
  • 2006
  • The 8 Greates Estate Planning Techniques in Connecticut
  • Making the Most of Life Insurance - Irrovacable Life Insurance Trusts
  • 2006
  • The 8 Greates Estate Planning Techniques in Connecticut
  • Planning that Focuses on What Clients Really Care About: Counseling-Orientated Estate Planning that Avoids Ethics Traps
  • 2006
  • The 8 Greates Estate Planning Techniques in Connecticut
  • Revocable Living Trusts: Will They Work? - Effectively Using Revocable Trusts
  • 2006
  • The 8 Greates Estate Planning Techniques in Connecticut
  • Problems with Traditonal Planning - Title, Beneficiary Designations and Wills
  • 2006
  • Post-Mortem Estate Planning
  • Post-Mortem Estate Planning: Minimizing Taxes and Optimizing Results
  • 2006
  • LIMRA International
  • Trust Administration in Connecticut
  • 2006
  • Accounting for Estates and Trusts in Rhode Island
  • Leveraging the Power of Gifts in Estate Planning
  • 2006
  • Accounting for Estates and Trusts in Rhode Island
  • IRD and Retirement Plans
  • 2006
  • Accounting for Estates and Trusts in Rhode Island
  • Principles of Estate Planning as they Relate to Trust Accounting
  • 2006
  • Planning Opportunities Under TRA 2012 - An Update
  • Planning possibilities available under TRA 2010
  • N/A
  • Northwestern Mutual
  • Planning Opportunities under the 2010 Tax Act
  • N/A
  • LIMRA International
  • Planning under the 2012 TRA
  • N/A
View all speaking engagements

Attorney endorsements

Received (14)
Given (12)
Endorse Kevin
Estate planning Attorney | Nov 30
Relationship: Fellow lawyer in community
"I endorse this lawyer."
Unknown Attorney | Sep 11
Relationship: Fellow lawyer in community
"Kevin is an excellent attorney and I highly recommend him. Beyond his legal skills Kevin is genuinely kind and compassionate - I'm honored to know him. We've worked together on a few cases and I always come away being a better lawyer."
Unknown Attorney | Jun 29
Relationship: Fellow lawyer in community
"Top-notch attorney. Highly respected in the legal community."
Estate planning Attorney | Jan 16
Relationship: Worked together on matter
"I endorse this lawyer. Kevin is well-known nationally for his expertise in complex estate planning matters. His attention to detail, vast knowledge and high-degree of professionalism are unparalleled in the estate planning field. I would recommend anyone needing estate planning to visit Kevin."
Estate planning Attorney | Oct 23
Relationship: Other
"Kevin and I belong to several professional organizations together. He is very knowledgeable and a strong advocate for his clients. He is a serious and intellectual attorney who is state of the art in all matters."
Estate planning Attorney | Oct 19
Relationship: Other
"I know Kevin through professional organizations we belong to. Kevin is extremely knowledgable in the areas of estate planning, asset protection and elder law. He has represented both very high net worth clients as well as those with few assets. Kevin has the highest character and I would not hesitate to refer clients to him."
Estate planning Attorney | Oct 15
Relationship: Worked together on matter
"I have known Kevin Quinn for almost 15 years. Kevin is a true counselor and advocate for his clients. His ability to listen to client's needs, develop Estate Planning solutions, and communicate those solutions is outstanding. I have worked closely with Kevin on various cases and consider him an expert in the Estate Planning field. He represents his clients with professionalism, effectiveness and warmth."
Elder law Attorney | Jul 31
Relationship: Worked together on matter
"I endorse Kevin Quinn as an extremely qualifed attorney. Kevin is highly skilled and truly takes the time to address his clients needs and concerns. He is an asset to the Elder Law community."
Estate planning Attorney | Apr 02
Relationship: Friend
"I have known Kevin as a colleague for several years. Kevin takes his calling seriously, and works hard to deliver top-level service to his clients. He is a genuine person, who is respectful of others. I admire and respect his competence in guiding successful families, and his ability to serve as their authentic advisor. I would not hesitate to hire Kevin."
Estate planning Attorney | Mar 11
Relationship: Fellow lawyer in community
"I endorse this lawyer. Attorney Quinn shows excellent understanding of asset protection issues. He would be especially good for a business owner whose estate plan would need to involve asset protection and business elements."
Estate planning Attorney | Sep 01
Relationship: Friend
"I have known Kevin for approximately 13 years. Kevin is a very caring person who always does a great job for his clients. He has a great knowledge in the estate planning area. Kevin always works hard to improve his services, so his clients receive excellent results. I would feel comfortable referring any of my family or friends to him."
Estate planning Attorney | Sep 08
Relationship: Fellow lawyer in community
"Kevin Quinn is one of the brightest most through attorneys that I have had the privilege to work with. Over the 15 plus years that I have known him I have had occasion to work together for the same client and as opposing counsel in matters. Kevin is respected by his peers and other professionals with whom he works. Kevin is excellent at explaining complex concepts in terms that anyone can understand. The legal profession needs more attorneys like Kevin; he raises the standard to which we should all aspire. I would not hesitate to have Kevin represent a family member because I know they would get sound advice and counsel from a man who strives to do the best he can for his clients."
Estate planning Attorney | Aug 27
Relationship: Other
"I have known Kevin about 10 years as a colleague. Kevin is relentless in his efforts to provide the best service to his clients. Few lawyers are able to think as deeply or creatively about Kevin. He sees his way around corners and obstacles like few others, yet is able to explain the complex in ways that are easily understood. He is a man of high character and fun to be around."
Ethics and professional responsibility Attorney | Apr 29
Relationship: Fellow lawyer in community
"Kevin Quinn is an exceptional and gifted attorney. He cares deeply and compassionately about his clients while at the same time brings an exceptional intellectual, analytical mind to bear in solving his client’s problems. My dealings with Kevin over the past 10 years have left me with nothing but pride. I would not hesitate in sending a family member to him or utilizing his services myself."
View more endorsements