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Estate Planning:
An estate is the total property, real and personal, owned by an individual prior to distribution through a trust or will. Real property is real estate and personal property includes everything else, for example cars, household items, and bank accounts. Estate planning distributes the real and personal property to an individual's heirs.

Estate planning is the process by which an individual or family arranges the transfer of assets in anticipation of death. An estate plan aims to preserve the maximum amount of wealth possible for the intended beneficiaries and flexibility for the individual prior to death. A major concern for drafters of estate plans is Federal and state tax law.

Without prudent planning, you may risk losing as much as 55 percent of your estate's value to taxes. Although estate tax rates are scheduled to decline over the next several years and be eliminated in 2010 without further action by Congress, they will be reinstated in 2011. You need a customized plan now to protect yourself and your legacy.

Your estate includes all your assets, minus any debts or other financial obligations. Examples of your assets include, but may not be limited to:

  • Anything you own in your name, including bank accounts, real estate, life insurance and investment assets, including retirement accounts.
  • Half of everything you own jointly with your spouse.
  • All of what you own jointly with anyone else, unless there is proof the other person wholly owns it .
  • Your share of any partnership or other businesses.
  • Property in revocable trusts and custodial accounts that you created and/or for which you are the trustee or custodian.
  • Any money you're owed.

The liabilities that reduce your estate include:

  • Taxes you owe.
  • Outstanding debts.
  • The costs of settling the estate.
Preserving and endowing your assets requires prudent planning. One of the best ways to get your estate over the intestate chasm is to build a bridge to your heirs, otherwise known as a trust. This provides for the estate to be taken safely over the financial risks, which are posed by probate, creditors, lawsuits, judgments, lawyers, and death taxes. Let us evaluate some of these financial risks to better understand how and why to avoid them. We can help you build financial security today and ensure your estate will be transferred according to your wishes after you're gone.
Our Services:
  • Coordinating the entire estate planning process
  • Reviewing and illustrating each planning option available
  • Trust services
  • Life insurance strategies
  • Giving strategies
  • Tax-efficient portfolio management
  • Coordinating services with other advisors
  • Reviewing the estate plan on a regular basis
Securities, Mutual Funds, Investment, and Insurance Products:
Not FDIC Insured or any Federal Government Agency May Go Down or Lose In Value Not a Deposit or Guaranteed by the Bank or any Bank Affiliate
Let our CERTIFIED FINANCIAL PLANNER™ (CFP®) , can help you through this complex and challenging process. Please complete the Registration Form below or Please Call (732) 521-3040 or e-mail: to setup a confidential consultation.
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