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  • Home
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    • Estate Planning
    • Dental Insurance
    • Final Expense (Burial)
    • Retirement
    • Term Life / Whole Life
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  • What is Life Insurance
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  • Affordable Care Act
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  • Wills and Trusts

Wills and Trusts

Why do You Need a Will Or Trust

  • Avoiding Probate: Assets held in a family trust bypass the often time-consuming, expensive, and public court-supervised probate process. This allows for a quicker and more efficient transfer of assets to your beneficiaries after your death.


  • Maintaining Privacy: Unlike wills, which become public record once submitted to the probate court, the details of a trust agreement remain private and confidential. This keeps your financial affairs and distribution plans discreet.


  • Controlling Asset Distribution: A trust allows you to set specific conditions on how and when beneficiaries receive their inheritance, even long after your death. For example, you can stipulate that funds are only distributed when a beneficiary reaches a certain age, achieves an educational milestone (like college graduation), or for specific purposes such as healthcare. This can be particularly useful for ensuring a financially irresponsible heir doesn't squander their inheritance.

  • Asset Protection: Properly structured trusts, especially irrevocable ones, can shield assets from beneficiaries' creditors, lawsuits, and potential claims arising from divorce settlements. This is a key benefit for those in professions with high liability risk (e.g., doctors or business owners).


  • Minimizing Estate Taxes: For individuals with large estates that exceed the federal (or state-level) estate tax exemption thresholds, certain types of trusts can help reduce or delay estate taxes, ensuring more wealth passes to heirs.


  • Planning for Incapacity: A family trust allows you to name a successor trustee to manage your financial affairs and assets if you become physically or mentally incapacitated. This avoids the need for a court-appointed conservatorship, which can be stressful and expensive for your family.


  • Providing for Dependents with Special Needs: Special needs trusts can be set up to provide for a loved one with a disability without jeopardizing their eligibility for essential government benefits like Medicaid or Supplemental Security Income (SSI).


  • Reducing Family Disputes: A clearly defined trust document and the appointment of a neutral trustee can reduce confusion and minimize the chances of family conflicts over who gets what. 

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