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Fake Sadqa Jaariya!

October 16, 2018 By Ahmed Shaikh

Sadqa Jaariya

You hear the term “Sadqa Jaariya” during fundraising pitches. It’s the kind of thing that Muslims want to contribute to charities that are, while not forever (since that is only Allah) is perpetual in existence. Muslims are rewarded for Sadqa Jaaria long after they die and are otherwise unable to contribute good deeds in this world. Another way of course based on the famous oft-quoted hadith is beneficial knowledge and a pious child that prays for you.

I distinguish between Sadqa Jaariya and other forms of Sadqa. You spend money for the needy, and the benefit fulfills a human need, but it is not continuous. It is still a virtuous deed but not relevant to the cautions in this post.

Let me give you an example of a questionable Sadqa Jaariya practice in the Muslim community.

It Starts with Intent

Harris is a doctor. He wants to donate to a group headed by Salman, that wants to establish an Islamic school in his community. Harris feels this is a beneficial thing to do. Harris wants Islam to flourish in his area. He and other donors want their children to grow up in an Islamic environment, at least part of the time. They want to establish an institution that shows children a love of the deen, of learning the Quran and Arabic. Creating this institution must be Sadqa Jaariya.

So Salman and his group, with generous funding from community members like Harris, established the school. Salman is the Chairman of the Board of Directors. He realizes that it is exceedingly difficult to get paying students in his area. It takes a lot of time and effort to run a nonprofit, pay teachers decent wages and deal with parents, students, regulators, lawyers, and community members for continually raising money. Salman and his board of directors, after five years of this, figured they needed a change in direction.

The Change

They decide they will change their Islamic school to a charter school. Under state law, it will have a secular mission and jettison any connection with Islam. It will be free for all to attend and will charge no tuition. It is easier to run this non-profit than run an Islamic School. There will be no religious programming at the school during school hours, and the promise of an Islamic environment for the children will disappear. However, there will still be Arabic instruction. There can also be some Islamic programming after school if parents so chose.

Within five years, there is more board turnover. Salman moves on. Islamic programming after school starts to disappear. The school is now secular.

Many formerly religious institutions over the past hundreds of years in the United States decided being secular was a better deal. Don’t expect Muslims to be any different. The tendency of Islamic Schools to go charter has happened before, and that is an easy example. But this can happen to virtually any Muslim institution. At a minimum, an Islamic School becoming a charter school can be Sadqa Jaaria because it is still an educational institution, it’s just not the kind of Sadqa Jaariya the donors intended. It is entirely possible for me also to provide an example where the entire mission changes from the education of children to political advocacy. Future generations often shift the purpose of an older institution.

Was it?

The question is: Did Harris ever make a Sadaqa Jaaria donation? He intended to donate towards establishing an Islamic educational institution. He wanted an Islamic environment. Maybe Harris was not hoodwinked when Salman told him his gift would be for Islamic education and an Islamic Environment and the contribution counted as Sadqa Jaariya for precisely this. Everyone started with good intentions.

The good intentions were never followed up with protective action. That is where Salman and even Harris went wrong. It was a substance-free, feel good transaction based on misplaced confidence. Not just faith in Salman, but on future generations of board members. Neither Salman or Harris has any idea who these people will be in the next several decades (if the organization lasts that long) or what their agenda might be.

The Liability

What if the institution gets sued? For any reader who has been an adult for more than a few years, you know this is not a hypothetical concern. Islamic organizations are employers, maintain facilities. They interact with the world and are subject to liability that comes with it. So it is vital they think about protecting their missions with asset protection.

Protecting intent through Waqf

To establish a Waqf, you need more than intent. There need to be assurances in place to prevent a fundamental change in mission. If someone asks for money for Sadqa Jaariya, it is worth finding out if the organization is set up to accept Sadqa Jaariya or if they are throwing around the term because of its religious power.

There’s a solid chance institutions that suggest donating to them as “Sadqa Jaariya” did nothing to protect themselves from a future change in their mission. Nonprofits are usually corporations where the Board of Directors can do what they want. Islamic Organizations make sense this year? Let’s do that! A new grant is available that makes us change our whole educational mission? Sold!

Of course, many organizations will continue to do the right thing and honor donor intent for a long time. They are on their honor. As the years pass, donors die, founders die, and successors have other interests, funding sources and even values. If you want Sadqa Jaariya, you need to limit the authority of future generations to do whatever they want.

Fight the Future with Trusts

Trusts and Waqf are related concepts. Trusts in the abstract are far more flexible property management devices. However, they are still well suited for the Waqf if well-drafted. A corporation’s whole direction can usually be changed with a board of directors changing it. Under the doctrine of cy pres, you have a nonprofit organized as a trust; you cannot change anything unless the purpose of the Trust becomes illegal, impractical or impossible.

So if you create an Islamic School as a Trust instead of as a corporation and are specific about the values of the school in the founding documents, future trustees of the Trust cannot violate the purpose of the Trust. Donor intent from decades ago has often frustrated the wishes of people who run organizations. Sometimes this can be problematic, but usually, it is a legal check on nonprofit excess or mission creep.

Other checks

There are other checks out there. However, none of them are as good as trusts. Masjid bylaws that require approval from a membership ensure that a board cannot change the mission of the organization, but the voting members could. You might presume unless there is a coordinated takeover of a Masjid by fixing members, Masjid membership will always want their institution to be a masjid. Some founders make sure nobody revisits this underlying assumption in the future.

Another thing hundreds of Masajid in the United States have done is transfer title deed to their property to the North American Islamic Trust (NAIT). NAIT was set up as a “National Waqf.” There are some safeguards in place, and Muslim organizations that have placed their assets with NAIT did well by seriously addressing the inherent problems with corporate charities. However NAIT is not a Trust itself, it is a corporation. For the most part, though, they hold properties as a trust. It’s worth scrutinizing how charities own whatever it is they claim to hold as Sadqa Jaariya in all instances though.

The last possible check on the future power of boards, which applies to very few Muslim institutions, is the Uniform Management of Institutional Funds Act (UMIFA), which is the law in many states. UMIFA mandates how some endowment funds are governed and is narrow enough in scope that it hardly matters. Muslims who donate at a fundraising dinner for “Sadqa Jaariya” will probably get no comfort here.

Donors Beware

Donating to an Islamic cause is an act of worship. You (hopefully) don’t pay zakat to random charities that say they are Zakat eligible without supporting the claim, you won’t do Islamic Inheritance haphazardly, and you won’t pray on a filthy mat. Don’t give your Sadqa Jaariya to organizations that have not cared enough to entrust their resources to a real Waqf, instead of giving to a pretend waqf whose mission will forever be twisting in the wind. This can either be in a donation, with your charitable planning or the wasiyyah.

Another thing donors can do, especially if it is a significant enough commitment to an organization, is to create a “supporting organization” that commits to the mission of an organization, but not necessarily the organization itself, if the organization moves in a different direction. Some families do this, and often there are good reasons to that are beyond the scope of this article, but most of the time, you would avoid going to this length if you can.

Muslim Leadership Opportunity

Do you believe in your mission enough to protect it from future board members? Did you ever make a promise to donors you want to do everything you can to keep? You need to get serious about the Sadqa Jaariya claim. Establish a waqf as a trust to preserve the intent of founding and let your donors know it exists. You are not only serious about your mission today, but you are serious about charity being continuous.

Continuing Trusts to Protect Children

October 4, 2018 By Ahmed Shaikh

So why continuing trusts? Here is one major estate planning problem that comes up in our minds quite frequently: a 23-year-old man suddenly gets $700,000 as inheritance, unexpectedly. What do you think he is most likely to do with the money?

a) Put it away in an investment account so that he would use it for future, well-considered business ventures, charitable endeavors And other projects designed to build on the family’s legacy.

b) Haphazardly invest and spend based on the direction provided by his new larger circle of “friends.”

c) Spend nearly all of it on luxury items and vacation.

The “lottery curse”

You may well be familiar with how people who get “fast money” tend to lose it very quickly. The “lottery curse,” is where stories of people who win the lottery (or get a big NFL paycheck, etc.) might end up robbing banks to feed a heroin addiction.

So in American estate planning, many lawyers offer estate planning that keeps assets in trust, often indefinitely. You may be familiar with the concept of “trust fund babies.” Parents often don’t trust children with their inheritance, and figure trust companies and professional fiduciaries are better stewards of a person’s legacy.

Continuing trusts, that is to say, a trust that goes on in some form or another after the death of the person who created the trust, often well after (hundreds of years in some cases) come in many different flavors. The variety can be endless.

How these Trusts are used

One common motif used in American fiction is when someone writes in a will that the beneficiary must marry by age 35, or be cut off. Famously, Leona Helmsley wanted heirs to come to visit her mausoleum and sign her guestbook. Other trusts can be a matching program, where a trustee only matches to the extent that the child earns money.

So, for example, if a child decides to become a teacher, she will get less inheritance than her brother, who became an investment banker. Being a teacher is less valued by a high performing business owner. These trusts then become known for perverse choices particular to the values of the person making these rules.

Making this about Islam

For Muslims, we want to make sure and do everything consistent with Islam. Children are entitled to inheritance because the Allah ordains this. That is the fard of Islamic Inheritance. Muslims are unable to tie strings to wealth that is the right of the heir.

There are going to be exceptions to this of course. It would be irresponsible to fork over hundreds of thousands of dollars to a heroin addict.

Is there any way Muslims can make that “fast money” a little bit slower? Yes. You can use continuing trusts. Just not any way you might want to.

Family Waqf

You could give away virtually unlimited amounts of strings attached to your wealth if you were to give it away during your lifetime.

Example:

Bilal, during his lifetime, creates a trust for the benefit of his children and progeny. It is a “Family Waqf” that owns 300 acres of ranch land. He wants the ranch land to be operated by a committee from within his family that would only make distributions from the ranch’s business operations to deserving people within the family for educational purposes or if they are at or near poverty. The Trustees would distribute a portion of the profits is to a charitable foundation that he creates.

Bilal can do this because none of this is subject to the Islamic Rules of Inheritance and is not a wasiyyah. It is a lifetime transfer. If he creates it in a document that goes into effect after he dies (like a will or a living trust), then it is not permissible.

Continuing Trusts and Asset Protection

It is also possible to create a trust after inheritance that distributes shares not to the heir directly, but to a trust for the benefit of the heir.

Example:

Bilal creates a living trust. After his death inheritance is going to be distributed consistent with the Islamic rules of succession, to his three children, Adam, Wahida and Sultana. Instead of the estate going to them directly, he creates three continuing trusts: the “Adam trust” a Wahida Trust” and a “Sultana Trust.” A Trustee of these trusts is directed to make distributions to the beneficiaries of the trust at the trustee’s discretion.

As a general rule, the trustee is not going to say no if one of the beneficiaries asks. However, if a Judgement creditor, an ex-spouse or another person who may legally stand in the shoes of one of Bilal’s children want the money, they likely cannot get it.

There is a strong incentive to leave the assets in continuing trusts since there is the benefit of asset protection. The trust can even purchase investments and grow. So there is often no reason to withdraw anything to invest.

The Trust may also continue to future generations, depending on the state the trust is set up in (it can be set up in any state, and the laws in each are different).

It’s a nice thing to do, but often not 100% necessary

It isn’t necessary to create continuing trusts. As a Muslim, you must make sure that your successor Trustee distributes inheritance correctly. However, giving your children a gift of asset protection and a potential buffer against “fast money” is probably a good move for many families.

A Guide to Replacing your Wife

August 31, 2018 By Ahmed Shaikh

Women Mourn, Men Replace

The adage “women mourn, men replace” is one of those things I came across as a lawyer going to lawyer events. It’s a truism. We usually expect that if the wife dies first, the widower will remarry quickly.

I’ve seen it happen many times in my law practice. A man loses his wife, and then he gets married. Typically, within one year. A New York Times article indicated the average wait-time for men is about 2 ½ years. It may be quicker for Muslims men though, particularly those who want a halal relationship. Now, of course, women can get remarried as well. It’s just that they often do not seem to be in a big hurry to get remarried.

If you are married, you know your husband, your wife in a particular context. You are a big part of that context. You don’t know what your spouse would be like without you as the context. If I bring up the subject of remarriage a wife might say something like “Remarriage? Seriously? Who would marry him?” Probably lots and lots of women. It’s not that hard.

So what if they do remarry?

Of course, remarriage should be encouraged. It’s a good thing when two people, regardless of their age, find companionship and love and forge a path together. There are two major problems though. The first is accidental disinheritance, and the second is just generalized fitna.

Now the “accidental” disinheritance is easy. I wrote about it in my guide to Islamic Inheritance. It is the Cinderella backstory. Parents don’t think about the issue and don’t worry too much about the possibility that their children may become orphans.

The other part is generalized fitna. Fitna happens when there are older children. It is relatively common for re-marriage to result in cut off relations or toxic relationships, because a new wife, almost universally referred to by the children as “that woman,” will be viewed as a threat. They might be considered gold-diggers or worse. If she comes with her adult children, and if the families do not seem to mesh, things can get even worse.

So what to do?

I have a few practical steps that families can address that can hopefully reduce the level of potential fitna in a family. Those steps can come both before any remarriage happens because both spouses are alive and neither knows who will go first and of course after death has already taken place and remarriage is about to happen or has already happened.

Initial Planning

One of the most important things to do is specify in writing what property belongs to the husband and what property belongs to the wife. Most people don’t bother doing that. Spouses own everything together, and everything goes to the surviving spouse. Remember, each spouse is his or her economic unit and has “stuff” that is specific to him or her.

Protect the Children

Do not assume that the surviving spouse will always look after the interests of the children at all times and in all situations. What a man is or is not is in large part dependent on his wife. Don’t assume that he will always be married to you. While the wife of a widower is often given a bad rap in popular culture and adult children often mistreat them I can say with some experience, some of them are villainous. Brilliant men often cannot tell the difference between a virtuous potential wife and one that is, well, not so much. Remember, they are usually in a huge hurry to get married again and are often not as particular as they were the first time around.

The way to best protect the children is to make sure your assets are either distributed to your heirs right away after your death or distributed to a trust they are beneficiaries of, in proportion to their rights in Islam. Don’t compromise on rights.

Don’t Marry an Enemy

My professional advice mantra: The best Estate Planning advice is not to get a good lawyer or do a living trust or anything like that. It is “marry wisely.” Even the best most brilliant plans can often not make up for a bone-headed nuptial decision. Remember, according to the Quran, wives can be your enemies. Don’t marry an enemy.

Do background checks. Check out not just the prospective spouse, but family members, including children. They are all going to be players in this drama. Know who they are. I had a case where a smart, successful man ended up marrying into a family of professional grifters, found his criminal wife from a “wrong number” call. After she and her family stole millions, you start to wonder what he was thinking. He was not.

Hopefully, you won’t go into a business partnership without checking out the background of your business partner. Did he rip anyone off before? Has he been to prison? For marriage, often people don’t bother to check. There is such an immense need for companionship that these little details usually don’t matter. Sweat the details. Your family will be the better for it.

Consider not officially getting married.

I have seen people, especially the elderly, so fear the reaction of their adult children that they end up getting “confidential marriages.” Don’t let the term fool you. In California, confidential marriages are legal and fully enforceable. You cannot look up these marriages in a public database. Confidential marriages can often be used by scammers to commit elder abuse against the elderly.

Don’t do crazy things like confidential marriages to avoid judgment from your adult children. However, it is true that children do see marriage as a threat, Moreso when we age. However, there is a way to make it not a threat. In Islam, you don’t need to get officially married. Do a nikah. You can also do something called a “cohabitation agreement” that sets out the rights of the parties involved. There would be no community property and no joint ownership of anything for example.

Prenuptial Agreements

Often prenuptial agreements are an obvious solution. Be clear from the beginning that marriage is not meant to be a financial partnership that would be disadvantageous to one party or another and certainly not for the children. It should also have provisions that protect the children and their rights.

Control Business Arrangements

One of the concerns in the family is when there is some financial disparity between spouses, and one spouse engages in a business partnership or loan arrangement with another spouse. I would strongly caution against this because for some family members; this can often wreak of exploitation or of taking unfair advantage. However, it there is going to be some business arrangement, it should be an “arm’s length transaction.” It depends on what we are talking about exactly, but in some cases, it may make sense to bring family members, outside lawyers or other third parties involved. The object of all of this is to avoid fitna. Financial transactions among family members can often lead to serious fitna.

Consider a memorandum of understanding.

Some second wives will develop a vice grip on their new husbands and isolate them from the rest of his family. This kind of thing does not happen immediately, but often over time. Other times, there is mutual hostility that develops, and it may be the adult children’s fault. To avoid problems, make sure you have principles, rules of engagement. Rules may include regular visits, no cutting off family ties under any circumstances, how money or the family business is dealt with and so forth. It may be necessary to arrange to facilitate this kind of agreement through a professional team. The benefit of this, however, is that there are always rules that families can refer to that will both reduce risk and provide a roadmap for solving problems.

Think about the end at the beginning

Look, being an adult is hard. Contemplating loss, actually losing and then starting over, often in a massive hurry, can take an emotional toll. Before every journey though, you should plan. You are always at the beginning point of someplace leading to another. You need to think about the repercussions of what you will leave behind. A widower in a mad-dash to get remarried may be one of those things.

Security for your assets

August 16, 2018 By Ahmed Shaikh

What is a false sense of security? We do common sense things to keep our possessions and loved ones secure, locking our doors and keeping passwords is a form of Asset Protection. But we know that in reality, if we ever had time to think about it, there are lots and lots of ways in which we, our property, our community, our planet and our own reality is insecure. Inherent insecurity is why we plan in the first place. So for example, we do Islamic Inheritance because we know there is nothing about our life that is secure. That creates instability for others, and we hope to fix that by doing the responsible thing, our estate planning.

You have some protection

I did not want to write about that kind of security though. But instead, the type that you seek when you want to make sure what you own is still yours when there is some calamity. Namely, there is a lawsuit of some kind. You worked hard for your home. What did you do to protect it? How about protecting your business? Your retirement plan? Your rental property? What if one liability seeps into another thing?

Now some of these things may be more simple than others. A retirement plan may have some built-in asset protection from The Employee Retirement Income Security Act of 1974 (ERISA). You might not think of thought about some forms of asset protection you already have. For example, say Mustafa owns Apple. If is Apple itself sued (it happens all the time) nobody is coming after Mustafa’s home as a result of his ownership in Apple stock. Mustafa only risked what he invested to by Apple stock. His biggest risk is that Apple shares may become worthless.

There are many things that you can do for Asset Protection. One of the most obvious ones is the Limited Liability Company. I recently wrote a comprehensive guide to LLC and I don’t want to repeat that content. Feel free to check it out.

Treat it “Security” like a verb

Real estate owners often use LLCs, but it is also used for operating a business and a wide range of other assets. The kind of protection you get from an LLC varies widely. Much of it has to do with things like (1) the operating agreement (2) the jurisdiction the LLC is in and the most important one (3) how active and vigilant the owner is in managing the LLC’s business and legal affairs. I would like to say the third one is what trips people up the most (and that maybe is true). However, you would be surprised as to how frequently the other two things do as well.

The LLC should be a verb. It requires active vigilance. Otherwise, there is a risk “judgment creditors” will say that the LLC is just an extension of yourself. This allegation called an “alter-ego.” It would be like you don’t have an LLC at all and whatever you did to protect your personal, non-LLC assets would then be at risk. It is true that there are fewer required formalities in an LLC than a corporation. This is often this is cited as one of its advantages. However, it would be foolish not to follow a set of robust formalities.

Gifting to Children and Protecting them

For many Muslim families, another advantage of an LLC is that it makes gifting to family members easier. Many families, for a variety of reasons, want to give their children portions of their property to their children, while at the same time, maintaining control of the whole thing.

So say, for example, Hamid owns a four-plex. He places in a Limited Liability Company. Hamid wants to give 85% of the property to his daughters, for her future financial security. While at the same time, he wants to continue to control it, collect rents and maintain it without involving his children.

Hamid organizes the LLC so that it is the manager. He also keeps his voting rights. He takes steps, through ownership of the daughter’s membership units in a Trust, to make sure that in the event any of his daughters were divorced, sued or bankrupt, the property won’t fall into the wrong hands.

Handing over part of an LLC while alive is not an inheritance; it is a gift (or sometimes a sale) To go further than that, say protecting the interests from children’s potential future ex-spouses, you may need to be significantly more active in how you manage the LLC.

While no asset protection is impregnable, the benefits of common-sense measures to protect yourself and your family make perfect sense for some.

If you want to reach out to my office about Islamic Inheritance or an LLC, you can call (866) 403-5294 or contact us

Spain does not like Islamic Inheritance, and I have questions

August 3, 2018 By Ahmed Shaikh

Party like it’s 2010

Islamic Inheritance and Spain The problem with getting into the anti-Sharia discussion is that it makes us feel like we were back in 2010. Those were the bad old days of the conspiracy theory that Muslims were plotting to overthrow everything with “Sha-ra-yah” which was somehow bad. While the result of this was that some more Republicans were elected (and a bunch of horrible policy things that hurt a lot of people came into existence), one thing that did not happen was that Muslims in the United States was that Muslims could still practice their religion. They can still do their Estate Plans consistent with the Islamic Rules of Inheritance if they want to.

What you might be told

Muslims usually don’t do anything about inheritance, even though it is fard. But its relatively common for Muslims to not do things that are fard (like prayer, Zakat, Hajj). A minority will often do many of these things. There are of course Muslims who live in the United States who think that it may well be an obligation, but it is not possible to do. Why? Because they were told something by someone years ago and it just stuck. Because they went to a lawyer, who advertises living trusts and tells people the only thing they can do is what is in their template. I remember one lawyer who talked to me when he set up a practice in a heavily Muslim neighborhood, that he would start to offer Islamic Inheritance. I checked in with him later; he said he decided to steer his Muslim clients away from the Islamic rules. He tried to explain the concepts were too hard, because in California (where we are) we have community property, etc. That’s fine. Lawyers can sometimes convince people of all sorts of nonsense by uttering irrelevant and meaningless jargon. Preferably in Latin, like lex situs and Res ipsa loquitur and what were we talking about again? Oh, yes, Sharia in Spain.

Foreign Law

According to a report, in Spain, an agency in Madrid that administers property deeds for inheritance ruled that Article 12 of the Spanish Civil Code prohibits foreign laws that distribute inheritance unequally because they violate public policy. No anti-Sharia legislation in Spain caused this. It is a mainstream position that other laws don’t get enforced if it violates public policy. Say, for example, a man decided to write a will stating that after his death, he wants his successors to dig a massive hole right next door to a public children’s playground where trash will constantly be burned until the end of time. A court in virtually every state (I may have question marks on a few) will say this kind of wish violates public policy. They may have other legal reasons as well. Why is less inheritance for daughters, if that is the testamentary wish of a dead person, against public policy? Well, they are not saying that. Not exactly anyway, a point I will get to below.

Another thing that stands out in the Spanish case is that the daughters of the decedent accepted “without coercion” (because we have an orientalist frame to all of this) the “divine” (their word) mandate of Allah regarding inheritance. The women are being forced to own property and cannot give it away, because doing so is against public policy.

Wishes and Laws

A testamentary wish is not foreign law. Say a Muslim wants to be bathed after death and wrote that, or wanted to give less than 1/3 to charity in a Wasiyyah after death. Nobody will claim this is a foreign law that is within the bounds of foreign policy. What is happening here is that a person’s wishes are being interpreted as being compelled. Daughters had to assert they were not being coerced, the decedent was not given the opportunity to say this. An estate plan though is nothing more than a vessel for your values.

If you value sharia, you will implement it. If you value giving everything to the 14 cats in your basement, or a giant trash hole in the ground, you might do a plan to implement that. But why not say giving less to girls is against public policy? Why this nonsense about “foreign law”? Because non-Muslims use their testamentary freedom in all sorts of unequal ways all the time and for all kinds of reasons. Famously Warren Burger, the Chief Justice of the United States of America wrote a last will and testament that gave twice the share for his son than he did for his daughter. He followed Islamic law perfectly despite not being a Muslim.

This is not about protecting Women. If women, on their own accord, cannot give away their own property because of a religious obligation, is it really their property? This is, unfortunately about practicing a faith tradition. But then the question is, can this happen in the United States?

The US Constitution

It is true that in the United States we have the First Amendment, to the US Constitution, but it is also true that freedom to worship is in the Spanish Constitution as well. A lot of constitutions are fantastic, on paper. So don’t just let that be your guide. Decisions like the one in Madrid put religious freedom in that country in question.

In the US, the First Amendment, which as you might recall, guarantees free speech, press, assembly, petitioning grievances. Of course, it also provides for the freedom to exercise religion and preventing the government from establishing a particular religion. While none of these things are absolute and it’s not like Muslims in the US live in some sort of utopia. The First Amendment is powerful law.

Not worth anything unless you use it

Of course, law, or how it is interpreted, follows the social and political environment. I expect federal courts would be quick to invalidate any law that prevents Muslims from establishing their estate plans based on their values. If it was the case that some states went the Madrid route you can always do a living trust in any state with more of a commitment to religious freedom, I could not foreclose the possibility that things can get worse. But don’t ever let that stop you. Your freedom to worship, including inheritance, is meaningless to anyone that does not worship that way.

In the United States, you should feel comfortable exercising your freedom of religion.

If you want a resource guide on Islamic Inheritance, download it here. It’s free.