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Estate Planning and Wealth Transfer

Your financial story isn’t just about you – it also includes your family and the generations to come, plus any charities and special interests you may have. Are you confident your money will go to the right people and places after you’re gone? Or are you worried that taxes might take an unexpected bite out of your estate, or that distributions might not happen the way you really want?

We will help you with your estate planning and wealth transfer to accomplish your future goals. As your financial advocate, we will work with you to:

  • Optimize tax efficiencies. Yes, taxes have to be paid, but how and when is the best way to pay them? One of our primary goals is to make sure your assets are affected as little as possible by taxes.
  • Coordinate your documentation. A mix-up in documentation can wreak havoc on your intended estate plans. We will help coordinate your documentation – wills, trusts, living wills, powers of attorney, beneficiary designations, account titles, etc. – so that the transfer of your wealth and assets is smooth and seamless.
  • Analyze your insurance. Life insurance can be used for many purposes: income replacement, estate preservation, tax mitigation, final expenses, etc. We make sure you have the right amount of life insurance to address all the needs you and your family may have.
  • Establish gifting strategies. If you want to set aside funds for future generations, for example, for your grandchildren’s education, we will establish gifting strategies that will release funds when and how you wish.
  • Provide for charitable entities. You may want to give to one or more charitable or philanthropic organizations. We will help you set up legacies, trusts, foundations, etc. so that you can support these organizations effectively.

While estate planning is about securing your family’s financial future, it also carries distinct benefits in the here and now: you can live life to the fullest without worry and without fear.

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.