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Estate planning is more than just creating a will, it’s about securing your legacy and protecting your loved ones. With the right estate plan in place, you can ensure that your assets are distributed according to your wishes, minimize taxes, and provide for your family’s financial future.
Also known as a revocable trust or living trust, this trust allows the grantor (the person who establishes the trust) to maintain control over their assets during their lifetime. It becomes irrevocable upon the grantor’s death, and its primary purpose is often to avoid probate and provide for the distribution of assets to beneficiaries.
Unlike a revocable trust, an irrevocable trust cannot be altered or revoked without the consent of the beneficiaries. This type of trust is often used for estate planning and asset protection purposes. Irrevocable trusts can have various subtypes, including:
This trust is created within a person’s will and only takes effect upon their death. It can be used for various purposes, such as providing for minor children or ensuring that assets are managed and distributed according to the deceased person’s wishes.
Also known as a supplemental needs trust, this type of trust is designed to provide for the financial needs of a person with disabilities without jeopardizing their eligibility for government benefits, such as Medicaid or Supplemental Security Income (SSI).
Family trusts are established to benefit multiple generations of a family. They can be revocable or irrevocable and are often used for wealth preservation and asset distribution among family members.
Also called a bypass trust or a family trust, a credit shelter trust is used to maximize estate tax exemptions for married couples. It allows the first spouse to pass assets to the trust, ensuring they aren’t subject to estate taxes upon their death while providing income and benefits to the surviving spouse and heirs.
These trusts are designed to transfer appreciating assets to beneficiaries while allowing the grantor to retain an income stream for a specified term. They are often used for gift and estate tax planning.
This trust is commonly used in estate planning to provide for a surviving spouse while ensuring that the remaining assets pass to the chosen heirs upon the surviving spouse’s death.
A trust established in a foreign jurisdiction for various purposes, including asset protection, tax planning, and privacy.
Create an inventory of your possessions, review your insurance policy, and discuss coverage options with your insurance company to ensure adequate protection.
Research different insurance policies, compare their coverage and prices, and consider your personal needs and budget when making a decision. Consult with an insurance agent if needed.
Contact your insurance company to understand the reason for the denial, provide any additional information that may support your claim, and appeal the decision if necessary.
Contact your insurance company and discuss payment options to avoid a lapse in coverage.
Contact your insurance company, provide necessary information about the damages, and follow their instructions.