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| Our goal is to reduce estate and gift taxes to a
minimum while achieving our clients' objectives regarding
testamentary distribution of assets. |
| We also assist in post-mortem estate planning for
families of a descendant who did not take maximum advantage
of estate planning opportunities. |
| As an adjunct to gift and estate planning, retirement
planning is also extremely important. Most of us would
like to know that we have adequate resources to fund
our retirement. Unfortunately, the complexity of this
area has increased substantially during the last decade
and the current social security crisis has not made
retirement planning any easier. |
| Our experienced
accountants can help you: |
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Identify your financial goals up to and after
retirement |
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Determine what your financial needs will be in
retirement |
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Select which tax-deferred retirement plan option
is appropriate |
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Plan for taking distributions |
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Select appropriate beneficiaries in coordination
with your estate plan |
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Decide whether a regular or Roth IRA is best
for you |
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Determine a plan for funding your retirement
when a qualified plan or IRA is not an available
option for you |
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Answer many other questions you may have concerning
your individual retirement issues |
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For additional information, please contact
us. |
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| Sometimes relatively simple changes
can result in substantial tax savings. |
| We listen to our clients and help them identify
their goals. Once goals are established, we help
our clients develop and implement individual estate
plans. |
| Our estate planning engagements
help provide answers to the following questions: |
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How can I minimize taxes for my family? |
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Do I have adequate life, disability and long-term
care insurance? |
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How can I meet my goals for charitable planned
giving? |
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Do I have appropriate beneficiary designations
for my life insurance, annuities and retirement
plans? |
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Are my assets titled appropriately? (This can
greatly affect the estate plan) |
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Do I have a business continuity plan? |
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| During the initial phases of the planning process,
we determine the estate tax burden on the estate
as it is presently structured. We read our clients'
existing wills and trust documents and offer suggestions
for changes to help clients achieve their goals and
minimize income and estate taxes for their family
members. We work closely with our clients and their
other professionals: attorneys, insurance and investment
advisors, bank trust officers, etc. |
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