Broker Check

Estate Planning

Are you prepared for threats to your financial well-being?

Global economic turmoil
New tax laws and regulations
Creditors and predators
Institutional financial mismanagement

Health-care crisis
Threats of inflation
Political unrest

Liquidity risk

CONGRATULATIONS! You have achieved the “American Dream.” You have been working hard, and there is so much to be proud of. But!
Is your wealth in danger?

Now is the time to protect your estate

Estate Planning Essentials

Estate Planning Essentials

A solid estate plan can protect you, your family, and your wealth during your lifetime and beyond. It begins with a will or a living trust to pass on assets after your death.

Next, it is a healthcare directive, power of attorney, guardianship of minor children, and other documents.

The major areas of estate planning are:

  • Medicaid Spend-Down Planning
  • Special Needs Planning
  • Business Planning
  • Executive Bonus Plan
  • Asset and Divorce Protection
  • Tax Planning and Philanthropy
Medicaid Spend-Down Planning

Medicaid Spend-Down Planning

Do you worry about longevity? According to the U.S. Department of Health and Human Services, 70% of people over 65 will likely need, at some point, long-term care services. 

Imagine, your loved one suffered a sudden stroke or heart attack. Overnight, a person is going from healthy to needing nursing care. You take your loved one to a hospital, but he or she must be discharged to a nursing home. Medicare will pay only for 100 days.

What if it’s longer? Are you ready to write a check? 

Fortunately, you still have options.

Maintaining Successful Business

Maintaining Successful Business

Are you a business owner or a partner? Do you know that business owners often overlook buy/sell agreements?
It helps a company buy the business interest of a partner who leaves the business.
The agreement determines value and distribution. It often uses a life insurance policy, so the company has enough liquid assets.
A buy/sell agreement can help a business to remain stable during a difficult transition. Otherwise, heirs of a deceased partner may refuse to sell their interest.
Divorce & Estate Planning

Divorce & Estate Planning

Unfortunately, your marriage is irretrievably broken. Now what?

You should know three critical areas of divorce financial planning:

Asset and divorce protection. It ensures that your wealth stays in the family.

Estate planning during divorce. It can shield you from problems if your spouse dies. Also, if you don't have a well-drafted or updated document, your soon-to-be-ex could inherit everything.

Estate planning after divorce. You need it because the final divorce decree will not resolve all your issues or even the most critical.

Ready to Put Your Financial House in Order? We can help:

Provide critical insights and tools to shield your wealth
Review and draft essential estate documents
Protect your assets from Medicaid spend-down
Assure planning for loved ones with special needs

Help your business remain stable during difficult transition
Set up “Golden Handcuffs” for key employees
Create a tax-deferred sale of business interest
Assure tax-free generational wealth transfer