Asset Preservation 

We will work to design a program to meet your specific needs and promote your
understanding of tax and probate laws.

Have you considered succession planning, drafted wills, trusts, living wills, and other
legal documents to assure your needs are met?

Many of our clients own family businesses and now have funded buy-sell agreements
and other arrangements needed by closely held and family business entities.

Special attention is given to the need to have your plan in writing and protected from
delays and costs of transfer.


Wealth Transfer

Many of our clients who plan to leave money to their spouses, children or 
grandchildren now realize they can avoid the cost of probate and a tax 
burden by purchasing our products and arranging them in a way to minimize
the cost of transferring the assets to their intended beneficiary.

Reallocating your assets to include life insurance can immediately enhance
the value of your legacy for your surviving beneficiaries.  The lower the taxes
paid, the larger the legacy for your beneficiary.

The gift tax exclusion is $12,000 per person.
If you are making annual gifts, this is important to know.

Estate tax exemption in 2008 is $2,000,000.

Links:

Estate Questions & Answers.    Considerations by MSN Money.

http://cybresllc.com/favorites/investment.htm      Investment Research