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Estate Planning
Estate planning is the process of structuring your personal and financial affairs so that, upon death, your assets are distributed according to your wishes. A properly prepared estate plan will help minimize income taxes and probate costs, provide for charitable donations and other gifts, ensure that your family does not face financial hardship and, in order to avoid any future conflicts, clearly define your wishes regarding the final distribution of your assets.

Have you planned for what would happen if you were no longer here to take care of things? While there are a number of very human reasons for avoiding the issue – ranging from ‘I don’t have time’ to ‘it’s depressing’ – estate planning is too important to ignore.

Insurance Planning
Life insurance is the foundation of a well-crafted financial strategy from a protection point-of-view. When you look at the value of the assets you have accumulated over time, it’s comforting to know that your investment portfolio can remain intact because your insurance program will cover the financial needs associated with premature death. People purchase life insurance because it can be a very affordable method of generating a tax-free lump sum of money for their survivors. This death benefit is commonly used for income replacement, debt elimination, tax payment and estate equalization.