Posts Tagged ‘Estate Planning’

Estate Planning and Financial Planning for Women

By Robert Pagliarini on October 1, 2013

Women often become guardians of family wealth. Many women outlive their spouses, and have the opportunity to have the “final say” (from an estate planning standpoint) about the wealth they have built or inherited. Legacy planning is essential for single women and couples, too, as one or two successful careers may leave a woman or…

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Putting Your Home Into a Trust: Uncommon, or Uncommonly Wise?

By Robert Pagliarini on September 6, 2013

Uncommon, or uncommonly wise? Occasionally, a couple or a family will elect to put their home into a revocable living trust, a charitable remainder trust (CRT) or a qualified personal residence trust (QPRT). There are advantages and disadvantages to doing this. People make this move for a variety of reasons. They may want to save…

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A Realistic Assessment of Living Trusts

By Robert Pagliarini on May 23, 2013

Living trusts are created with a clearly defined objective: to avoid probate. Misconceptions about living trusts have spread to the point where people think they can accomplish much more than they really do. Here is a realistic assessment of living trusts. If you fear probate, consider a living trust. If you worry about your will…

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Minimize Probate When You Set Up Your Estate

By Robert Pagliarini on May 3, 2013

Probate subtly reduces the value of many estates. It can take more than a year in some cases, and attorney’s fees, appraiser’s fees and court costs may eat up as much as 5% of a decedent’s accumulated assets. Think tens of thousands of dollars, perhaps more. What do those fees pay for? In many cases, routine…

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Living Trusts: Fact Versus Fiction

By Robert Pagliarini on April 23, 2013

Living trusts are created with a clearly-defined objective: to avoid probate. Misconceptions about living trusts have spread to the point where people think they can accomplish much more than they really do. Here is a realistic assessment of living trusts. If you fear probate, consider a living trust. If you worry about your will being…

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Estate Planning: What You Need to Know

By Robert Pagliarini on March 25, 2013

Estate planning is a task that people tend to put off, as any discussion of “the end” tends to be off-putting. However, those who leave this world without their financial affairs in good order risk leaving their heirs some significant problems along with their legacies. No matter what your age, here are some things you…

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How the Middle Class Can Make a Difference for Charity

By Robert Pagliarini on March 20, 2013

Do you have to make a multimillion-dollar gift to a charity to receive immediate or future financial benefits? No. If you’re not yet a millionaire or simply a “millionaire next door,” yet want to give, consider the following options which may bring you immediate or future tax deductions. Partnership gifts. These gifts are made via…

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The Impact of ATRA on Retirement & Estate Planning

By Robert Pagliarini on March 6, 2013

The American Taxpayer Relief Act of 2012 (ATRA) brought major changes to federal tax law, and it profoundly impacted retirement and estate planning. Here is an overview of seven big changes particularly relevant to retirees and/or those approaching retirement age. Federal income tax brackets were altered. Where we once had six tax brackets, we now…

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Choosing The Right Beneficiary

By Robert Pagliarini on February 28, 2013

Here’s a simple financial question: who is the beneficiary of your IRA? How about your 401(k), life insurance policy, or annuity? You may be able to answer such a question quickly and easily. Or you may be saying, “You know … I’m not totally sure.” Whatever your answer, it is smart to periodically review your…

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