Tracy A. Craig

Tracy is a partner and chair of the firm's Trusts and Estates Group. She focuses her practice in estate planning, estate administration, prenuptial agreements, tax-exempt organizations, guardianships and conservatorships, and elder law.  Before joining Mirick O'Connell, she was counsel at Testa, Hurwitz & Thibeault LLP, in Boston.

Tracy works with individuals in all areas of estate and gift tax planning, ranging from testamentary estate planning, including business succession planning, to sophisticated lifetime leveraged gifting techniques, such as grantor retained annuity trusts (GRATs), intentionally defective grantor trusts, family limited liability companies and qualified personal residence trusts (QPRTs). She also specializes in estate administration, prenuptial agreements, guardianships and conservatorships, and all aspects of charitable planning, including the formation and operation of tax-exempt organizations ranging from private foundations to public charities. She serves in various fiduciary capacities, including trustee, conservator, and personal representative (formerly known as executor). She also works with clients on issues facing elders.

Tracy has received an AV® Preeminent Peer Review Rating by Martindale-Hubbell, the highest rating available for legal ability and professional ethics and has been elected to be a Fellow of the American College of Trust and Estate Counsel.  She is also a member of The National Advocates Top 100 Lawyers, an invitation-only, professional organization composed of premier lawyers from across the country who exemplify superior qualifications in their area of specialty.  Tracy has been named a Massachusetts "Super Lawyer" by Boston magazine and Law & Politics every year since 2013.  She was selected a "Top Women in Law" by Massachusetts Lawyers Weekly in 2014.  Tracy was also selected by her peers for inclusion in The Best Lawyers in America© 2020 in the field of Trusts and Estates.  First listed in 2019.

Bar & Court Admissions

  • Massachusetts
  • Boston University School of Law JD (1993)
  • University of Pennsylvania BA, cum laude (1988)
  • Prepared testamentary estate plans consisting of durable powers of attorneys, health care proxies, wills and revocable trusts
  • Prepared and implemented irrevocable insurance trusts
  • Prepared and implemented sophisticated gifting strategies, including GRATS, installment sales to intentionally defective grantor trusts, and QPRTS
  • Negotiated and prepared prenuptial agreements for high-net-worth clients and their children
  • Administered complex estates, including the preparation of state and federal estate tax returns
  • Obtained temporary and permanent guardianships and conservatorships for incapacitated individuals, including Rogers guardianships to allow administration of anti-psychotic medication
  • Organized and formed nonprofit/charitable entities and applied for tax-exempt status
  • Served as trustee of various irrevocable trusts
  • Advised on trust and estate issues involved with probate litigation matters, including decedent's estates and trust administration, and the use and misuse of durable powers of attorney.

Publications/Presentations

Professional / Community Affiliations

  • American College of Trust and Estate Counsel, Fellow
  • Worcester Estate and Business Planning Council, Board Member, Executive Committee
  • Greater Worcester Community Foundation, Board Member, Donor Stewardship Committee, Nominating Committee, Professional Advisors Network
  • Worcester Art Museum, Corporator, Corporator's Council
  • American Bar Association, Real Property Probate and Trust Law Section
  • Massachusetts Bar Association, Probate Law Section
  • Boston Bar Association, Trusts and Estates Section
  • Worcester County Bar Association
  • Boston Estate Planning Council
  • ACCREDITED ESTATE PLANNER®

T&E Blog

Upcoming Legal Clinics

Below is a listing for my upcoming program.  Contact your local Council on Aging for more information and to register. If you miss a program, you may always watch them on your local cable access station or on my You Tube …

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Getting Ready for the Rest of Your Life

  I will turn 70 in January. I have been blessed with good health, a wife I adore, three great kids, good friends in a great community. Both my parents died in their early 80’s. Despite all the great advances …

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Who Ya Gonna Call?

As seniors, you are probably the greatest beneficiaries of the Great Society, that incredible combination of programs created by President Lyndon Johnson and passed during the 1960s. The anchors of those programs, of course, were Medicare and Medicaid.  Before the …

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Protecting the Cottage

Are you lucky enough to own that special place, whether it’s a camper in Maine or a house on the Cape, where you, your children and your grandchildren can go to enjoy some time away together during our all-too-brief New …

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If You See Something, Say Something

One of my elder clients (we’ll call her Mary) called about two weeks ago. She had received a call from a caseworker at Springwell, one of the network of regional entities charged by the Commonwealth’s Office of Elder Services with …

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Sick? Call Your Doctor – Then Call Your Lawyer

This past month two different people called (neither of them were an existing client) with the same story. Each one had a relative close to death and wanted to know if there was anything that should be done.  In each …

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How “Waiving the Will” Could Affect You

In the spring, as part of a my seminar series, I will be presenting “Elder Law for Couples,” in which I will discuss the ins and outs of estate planning for seniors. One of the new issues is a new …

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It’s Tax Time Again – Here Are Four Quick Tips

If you or your spouse is chronically ill, here are four quick tips to consider if you itemize deductions on your income tax returns: LONG TERM CARE INSURANCE PREMIUMS ARE USUALLY DEDUCTIBLE. They are part of your medical expense deduction.  …

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Upcoming Elder Law Legal Clinics

Below is a listing for two of my upcoming programs.  Contact your local Council on Aging for more information and to register. If you miss a program, you may always watch them on your local cable access station or on my …

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Boston Globe article highlights the importance of estate planning for blended families

A recent article in The Boston Globe – “A patriarch leaves no will and the home he meant for his Cambridge family may be lost” – demonstrates the importance of having an estate plan, particularly with blended families, and shows how not having …

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