estate planning

Trusts and Estate Planning

Trusts play a big part in estate planning. What you don’t know about them can hurt you and your beneficiaries’ financial health and possibly your own.   A trust is a legal entity – just like a corporation or a person. It holds assets for a beneficiary.  The beneficiary could be you or another person. A trust document states the [...]

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Posted by bobrichards - November 7, 2008 at 10:22 am

Categories: estate planning, trusts   Tags: , , ,

Right Retirement Advisor Helps Optimize Retirement and Estate Planning

You may be able to achieve more of what you want for retirement than you think. The right retirement advisor, often can help you see implications of your actions, decisions, and wishes and how they impact your retirement and estate planning. But your advisor cannot help you unless he knows what wishes are ultimately on your mind. Retirement planning–in the most [...]

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Posted by bobrichards - November 6, 2008 at 11:51 am

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ProspectMatch: Estate Planning Strategies

A New Type of Trust May be Able to Solve Many Estate Planning Problems Many wealthy Americans today are worried about what will happen to their estates after they are gone. Although many different types of trusts have been designed to help alleviate this problem, a new type of trust, called the “inheritor’s trust” has a level of flexibility that [...]

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Posted by bobrichards - October 28, 2008 at 10:42 am

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Americans Wasted $26 Billion in Estate Taxes–Failure to Know Estate Planning Basics

If you don’t want to waste your dollars, its critical that you understand estate tax planning basics and how to avoid estate tax. The Annual Report on the United States Government reports that Americans paid $26 Billion in estate taxes in 2006. Every dime of those taxes could have been avoided.  How do you think the kids felt when they [...]

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Posted by bobrichards - October 22, 2008 at 8:56 am

Categories: estate planning, estate tax   Tags: ,

Retirement & Estate Planning — Often in Competition

One aspect of retirement planning is protecting the assets you have accumulated.  Estate planning is also about protecting the assets you have accumulated but comes at the issue of asset protection from a different aspect. For example, in retirement planning, one is concerned with asset allocation–the idea of spreading your money among different asset classes so that a decline in [...]

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Posted by bobrichards - September 30, 2008 at 8:57 am

Categories: estate planning, retirement planning   Tags: , ,

Retirement & Estate Planning — Often in Competition

One aspect of retirement planning is protecting the assets you have accumulated.  Estate planning is also about protecting the assets you have accumulated but comes at the issue of asset protection from a different aspect. For example, in retirement planning, one is concerned with asset allocation–the idea of spreading your money among different asset classes so that a decline in [...]

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Posted by bobrichards - September 30, 2008 at 8:57 am

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Estate and Trust Planning

A trust serves to separate legal and equitable title.  In plain English, this means that a trust holds an asset (any asset like a house, car, or bank account) in the name of one person (called the Trustee), but that the asset is really for the benefit of someone else (called the beneficiary).  Why have trust and pursue trust planning?  [...]

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Posted by bobrichards - September 29, 2008 at 5:09 pm

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Estate/Trust Administration- What's Involved When Someone Dies

Estate/Trust Administration- What’s Involved When Someone Dies

When an individual dies, assets of the decedent may be transferred based on how their titled or a named beneficiary.  For example, assets held as joint tenants with right of  survivorship pass directly to the other joint owner.  Similarly, IRA accounts pass directly to the named beneficiaries as do payable on death accounts, transfer on death property, and most life insurance [...]

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Posted by bobrichards - September 26, 2008 at 8:47 am

Categories: estate planning, trusts, wills   Tags: , , ,

Estate/Trust Administration- What's Involved When Someone Dies

Estate/Trust Administration- What's Involved When Someone Dies

When an individual dies, assets of the decedent may be transferred based on how their titled or a named beneficiary.  For example, assets held as joint tenants with right of  survivorship pass directly to the other joint owner.  Similarly, IRA accounts pass directly to the named beneficiaries as do payable on death accounts, transfer on death property, and most life insurance [...]

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Posted by bobrichards - September 26, 2008 at 8:47 am

Categories: estate planning, trusts, wills   Tags: , , ,

Estate Planning Basics – It’s not about Money

Estate planning is not just for the rich. It is for anyone that cares about their heirs.  In fact, most aspects of estate planning basics have little to do with money. Estate planning basics do address the eventual and economical distribution of your possessions and authority but more importantly, how you take care of your loved ones. Many of you [...]

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Posted by bobrichards - September 25, 2008 at 11:36 am

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