Financial Planning

Estate Planning and Wealth Accumulation

We provide our clients with comprehensive estate planning techniques that involve strategies to reduce estate taxes. We also discuss the role of life insurance in an estate plan, and we continue to monitor the plan and update it when necessary.

If a business owner and spouse were to die without a proper estate plan, the children and grandchildren would likely give up a substantial portion of their inheritance to the federal government. We can help design and implement a plan that not only preserves estate assets after death, but may significantly increase the amount of wealth the children and grandchildren can receive.

We help preserve estates for generations by providing strategies to address the federal transfer tax system, gift taxes, estate taxes, and generation-skipping-taxes. We educate our clients about exempt transfers, annual exclusions, and deductions from the gift tax base. We also review in detail a client's gross estate and implement a plan that preserves assets after death, and increases the amount of wealth the children and grandchildren can receive.

For our clients, life insurance planning is an essential component of the estate planning process. It has unique tax advantages, like tax-deferred cash value build-up, the availability of waiver of premium to make the plan self-completing in the event of a disability, and a tax-free death benefit. We thoroughly understand the estate, gift, and generation-skipping transfer tax implications and advantages of life insurance.

• Estate Tax Planning
• Gifting Programs
• Generation-Skipping Transfer Tax Planning

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