⌟ Estate Planning

Many people believe they don’t need estate planning because they think they don’t have an estate. Or they think the value of their estate is not great enough to cause estate taxation, so what’s the point?

With few exceptions, everyone has an estate — even the young child with a custodial account in his name and the granddaughter who received a lovely piece of jewelry for her 16th birthday.

Bottom line: If you own something of value that you would pass on to someone else upon your death, you have an estate. Whether you know it or not, you also have an estate plan. The state has one for you free of charge (well, sort of) if you don’t get around to writing a will or designing a plan of your own.

Broadly speaking, an estate plan encompasses the accumulation, conservation and distribution of an estate. A good plan will enhance and maintain the financial security of individuals and their families.

When you’re developing a plan for your estate, it’s important to understand your entire financial picture. That’s where I`m come in. Working with your tax and legal advisors, I will help coordinate your investment strategies to help ensure that your plan reflects your wishes for your legacy.

Complete the form if you’d like to receive my three estate planning guides, which include information about the importance of having certain estate documents, maintaining beneficiary designations, and organizing your financial documents.

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FAQ

Frequently Asked Questions

Q : How to Switch Banks?

A: If you’re going to write checks or use online bill pay, start writing checks from the new account and fund those payments by transferring money from your old account.

Q : Why should I spend money on a financial advisor?

A: Most commonly, individuals seek the help of a financial advisor for retirement planning. But they can do much more than that. You can get help with college savings, work on household finances and even get out of debt with the help of a financial advisor.

Q : Can I get help with
 my credit card debts from a financial advisor?

A: Absolutely. Clients can work with a licensed financial advisor to pay off their debts and get back on track financially. Financial advisors have access to programs most individuals can’t get into on their own, and they have connections in the financial industry most of us simply don’t have.

Q : I am already in
 debt. How can I afford a financial advisor?

A: The help of a financial advisor may be less expensive than you might think. Depending on the help you are looking for, you could be looking at a fee only situation or commission based pricing.

Possible Risks

Market risk, or “principal risk” is the chance that a downturn (or a bad investment) chews up your money. It’s there for both stocks and bonds — when interest rates rise, bondholders will see the market value of their paper shrink — and for most people it’s the big bugaboo.

Inflation or purchasing-power risk for most people is the “risk of avoiding risk” — the opposite end of the spectrum from market risk — the possibility that you are too conservative and your money can’t grow fast enough to keep pace with inflation

We Will help you to understand:

  • Retirement Financial Planning with Wealth Creation
  • Wealth Creation
  • Asset Protection
  • Investing for Retirement with Self Managed
  • Superannuation Fund (SMSFs)
  • And more other instruments

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