Page 16 THE MALDEN ADVOCATE–Friday, October 17, 2025 FOOTBALL | FROM PAGE 14 totaled over 300 yards total offense, passing for 182 yards on 8-of-13 numbers, as well as averaging over 10 yards per carry, 139 yards on just 11 runs. The highly recruited Lynn English QB/DB also got it done on defense, registering 9 tackles and 3 pass deflections for the Bulldogs; he is drawing interest from Boston College, Southwest Missouri and other local and far-flung D1 and D2 football programs. The first quarter was basically an even-paced boxing match, with Lynn English slugging it out with Malden for a 24-22 lead. Shane Knowlton-Simard scored the only points of the first quarter on a 25-yard run. Knowlton-Simard added his first conversion run for an 8-0 lead. Lynn English went to the air to start the second quarter, when Knowlton-Simard completed three consecutive passes on a 71-yard scoring drive, including a 28-yard TD pass to Makai Kirk to make it 14-0. The Bulldog QB made it 16-0 with another conversion run. That may have ignited a spark in Malden, when the Tornados proceeded to go on their best offensive explosion of the season, scoring no less than three touchdowns, all by McGuffie and all on the ground. McGuffie’s longest TD run of the season so far, a 54-yard gallop, put Malden on the board, and the home team trailed just 16-6 when English stuffed McGuffie on the conversion attempt. After a Malden defensive stand, Tornado QB Billy Gavin conducted a 52-yard scoring drive, capped by another McGuffie, this one a 2-yard burst. Malden stayed with the sophomore star on the conversion try, and McGuffie delivered to cut the lead to 16-14. Neither team was done scoring in a quarter that saw 5 touchdowns and 38 points (both teams combined) go up on the board. Knowlton-Simard threw his second TD pass of the game and the quarter when he found Kassius JAYDEN TACKLES, TOO: Malden sophomore Jayden McGuffie (2) led Malden in rushing, scoring AND tackles in Thursday’s game, this time about to tackle Lynn English runner Oliver Beauchamp. (Advocate Photo/Henry Huang) REVOCABLE TRUSTS T he basic purpose of a revocable Trust is to avoid probate and, if necessary, provide provisions within the Trust document to eliminate or greatly reduce federal and Massachusetts estate taxes. A revocable Trust is a Will substitute but far superior in many of its features. The goal is to eliminate or greatly minimize the amount of assets that fall into the probate estate requiring the filing of the original Last Will and Testament at the appropriate Registry of Probate along with the required forms and filing fees. A probate asset would be an asset owned directly by the decedent in his or her name only at the time of death, or if the decedent did not provide for a beneficiary on an IRA account, 401(k) account or life insurance policy. Alternatively, the primary beneficiary named may have predeceased the decedent and no contingent beneficiary was named. There are instances where you might want to have a probate estate. For example, if you name the estate the beneficiary of your IRA account and have already begun taking your required minimum distributions, and you are concerned about your surviving spouse going into a nursing home, then naming your estate as the beneficiary and creating a Testamentary Trust within your Last Will and Testament for the benefit of your surviving spouse, the assets in that Trust would be protected from the nursing home. The Trustee of the Testamentary Trust spouse would then be required to take required distributions from your IRA based upon your “ghost” life expectancy. This was made possible under the Secure Act. The Trustee could then make distributions of not only income to your surviving spouse, but also distributions of principal. If you died without having reached your required beginning date of 73 years of age, the Trustee of the Testamentary Trust would have to deplete the IRA account by the end of the fifth year following the year of your death. Therefore, you must meet your required beginning date for this strategy to work. For tax purposes, the person who creates the Trust may use his or her social security number when opening up a bank account or brokerage account in the name of the Trust. No separate tax returns need to be filed for a revocable Trust. Appreciated assets such as real estate or stock held inside a revocable Trust receive the so-called step-up in cost basis upon your death equal to the fair market value of the assets at the time of your death. Therefore, a subsequent sale of the assets after your death would result in little or no capital gain, depending upon future appreciation of the assets. Keep in mind, since the Donor or Settlor of a revocable Trust has total control over the Trust assets and retains the ability to alter, amend or revoke the Trust, there is no nursing home protection with these Trusts. An irrevocable Trust would be necessary to achieve that objective. Upon the death of the Donor or Settlor of a revocable Trust, the Trust would then become irrevocable requiring the filing of Trust tax returns if there is income being generated by the Trust. A federal ID number for the Trust would then have to be applied for. Joseph D. Cataldo is an estate planning/elder law attorney, Certified Public Accountant, Certified Financial Planner, AICPA Personal Financial Specialist and holds a master’s degree in taxation. Chea with an 11-yard strike in the right corner of the end zone with 2:34 left in the half for a 2414 lead. Malden roared right back with an effective two-minute drillstyle response, led by senior captain and quarterback Billy Gavin, who connected on passes to senior captain Manny Perez and McGuffie, setting up McGuffie’s third TD of the second quarter, a 2-yard burst to make it 24-20, English. His conversion run put Malden down just two points at halftime, 24-22. The two teams traded touchdowns in the third quarter, Lynn English’s Xavier Beauchamp finished off a long scoring drive with a 3-yard TD run with 7:45 left in the third quarter, Knowlton-Simard’s conversion making it 32-22, Bulldogs. Malden answered again, this time through the air, with Gavin finding Perez for a 23-yard TD catch, and a 3226 score. McGuffie burst into the end zone for his 21st and 22nd points of the evening, and Malden was very much back in business, trailing just 32-28 entering the fourth quarter. In the fourth quarter, however, the seesaw battle stalled and eventually ended in the Bulldogs’ favor, as Coach Exilhomme’s calls for the one big stop went unanswered and Lynn English kept coming and kept scoring. Two more TDs came to the end zone for the Bulldogs; an 8-yard run from Beauchamp and another conversion by Knowlton-Simard made it 40-28, Lynn English. With less than 4 minutes to play, Knowlton-Simard sealed the deal, scoring his second touchdown of the night on an 8-yard run and a 46-30 lead, the eventual final. JAYDEN THE BOSS: Jayden McGuffie took a well-deserved breather on the sideline after scoring his third touchdown during Thursday’s game. (Advocate Photo/Henry Huang) *** EXTRA POINTS: Malden was back in action last night, hosting Chelsea in another GBL game (after Advocate press time). Looking ahead, Malden plays at Revere next Friday night, October 24 at 6:00 p.m. before hosting Whittier Tech on Thursday, October 30 (Senior Night for Football and Cheerleaders) at 6:00 p.m. Congratulations to Malden High football Head Coach Witche Exilhomme, who has been selected to the 2025 Golden Tornado Club Hall of Fame for outstanding Malden High student-athletes. Coach Exilhomme, a Class of 2012 graduate, was a three-sport standout and team captain in Football, Basketball and Outdoor Track. He still holds the school record in javelin throw.
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