About the Author
Milton C. Toby, J.D., and Karen L. Perch, Ph.D.,J.D., are partners in Perch & Toby, a law firm based in Lexington, Kentucky. Toby has enjoyed a lifelong involvement with horses, as an exhibitor of American Saddlebreds; as a competitor in hunter, combined training, and dressage events; as a steward for the American Horse Shows Association; as a director of the Kentucky Horse Council; as a journalist; and as a photographer. He also is the author of Col. Sager, Practitioner, which recounts the experiences of the late Col. Floyd Sager, one of the country's most prominent equine veterinarians.
Perch has extensive experience as a financial planner and counselor, and in estate planning, estate tax, and probate matters. She has authored numberous publications in those areas, and has appeared frequently as a guest on local television and radio programs. She also served on a United States Department of Agriculture-sponsored, multi-state research project involving farm family finances.