| Living Trust
Estate Planning:
Living Trusts are the best way to control
your estate and keep your affairs private both during life
and after death. They avoid probate in every state if properly funded, and
may avoid taxes on up to $3 million in a
married estate. A quality trust is easy to
administer and manage.
Inheritance Protection:
The inheritance you distriute
directly to your beneficiaries is at risk from creditor
claims. A soon to be former spouse often will take a portion
of the inheritance in the divorce proceedings. You can avoid
these claims and be sure that your descendants benefit from
your hard work by utilizing an Inheritance Protection Trust.
The inheritance is distributed to a trust for the beneficiary.
You can select the trustee (including the beneficiary!)and
limit the persons who can inherit the remaining assets on your
beneficiary's death. The trust keeps those assets in the
family. Fixed fees for counseling and document
preparation Incapacity Protections:
Death
is certain for all of us. Unfortunately, many will suffer from
a dibilitating injury or illness that impacts their ability to
manage their fianancial affairs or their ability to make
medical care decisions. Using a Power of Attorney combined
with a Health Care Power of Attorney can insure your loved
ones can act to protect you during incapacity. Fixed fees for
counseling and document production Protection for
Children: Parents
need to take steps to protect children in the event
of death or disability through careful designations of
temporary or permanent guardians. Do you
have children attending college? Did you know that even
if you are paying the tuition you are prohibited from access
to their medical or scholastic records? You need to be sure
that your child has appointed agents to protect their personal
and medical needs. Retirement Plans
and Inheritance Protection:
Comprehensive review of
Retirement Planning documents to insure that your goals are
met and to minimize or mitigate the effects of estate and
income taxes on retirement plan distributions at death.
Coordination of your retirement plan(s) with your existing or
new estate planning. You can protect the retirement plan
assets from creditors and maximize income tax benefits by
using a stand-alone Retirement Plan Inheritance
Protection Trust. Advanced Estate
Planning:
Tax avoidance and
advanced planning for estates in excess of the unified credit
($3,500,000 in 2009), using Insurance Trusts, Personal
Residence Trusts, Charitable Trusts
and Foundations, and Family Limited Partnerships
(Single and Multi-Tiered). Asset Protection
Planning:
"Asset Protection"
seeks to place some or most of your assets out of the hands of
someone who found a way to bring a lawsuit against you. This
planning combines different legal tools: trusts, property
agreements and business organizations such as corporations and
family limited partnerships. An asset protection plan
generally costs a fraction of what it takes to defend a
lawsuit. It may save you from a creditor taking all you own to
satisfy a judgement, and typically allows you to carry less
liability insurance. Business Legal
Services:
We structure, review
or amend your current business form to help you maximize
tax advantages and minimize liability concerns. We assist in the regular operations
of the business (contracts, etc.) and in the preparation of business continuation or buy-sell agreements in
the event of the owner's disability or death. Purchase and sale of businesses require
care and calculation to make the deal work.
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