If you do not have a will or powers of attorney, the government might have to step
in with its boilerplate, one-size-fits-all estate plan for you if you die or are disabled... regardless of your wishes or
your family's unique needs.
Even if you have
a will, it may not contain several of the legitimate, tax-saving concepts available... which could cost your loved ones thousands
or even hundreds of thousands of dollars in unnecessary taxes.
Your current life insurance may be "includible" in your estate for federal estate tax purposes. Instead,
with proper planning, you could have the insurance pay the taxes due on your estate for pennies on the dollar... and you could
pay the insurance premiums with tax-favored dollars.
are here to help you.
Hofgard & Associates is dedicated to helping individuals
and families, young and elderly, make sure that their estate plans:
- Pass the right assets
- To the right people
- At the right time
- Under the right management
- At the right cost.
Here's a simple quiz:
If you answer "no"
to any of the questions below, you need to set up an appointment with us as soon as possible:
- Do you have a will?
- Does your will name a guardian for your minor
children if both you and your spouse are deceased?
- Are you comfortable with the executor(s) and trustee(s) you have selected?
- If you have a living trust, have
your titled your assets in the name of the trust?
- Are you taking full advantage of the marital deduction?
- Are you taking full advantage of the unified credit?
- Have you utilized an irrevocable
life insurance trust to exclude insurance proceeds from being taxed in your estate?
- Do you have a management succession plan for your
- Are you
sure you have the right amounts and types of life and disability insurance?
- Are you sure your estate plan is up-to-date and takes into account
all potential tax-saving strategies?
We are not a typical
We would prefer to meet you first for an initial consultation (at no cost to you)
to see if we can help you, and if you would like us to.
If you engage us, we would prefer a fixed fee arrangement, agreed to ahead of time, and payable only upon satisfactory
completion of the job... rather than "turning on the meter" every time you call with a question.
We want to make estate planning simpler and less confusing for
you, so we explain concepts in plain English... not "legal-ese."
We can help you to work with other estate planning professionals-accountants, trust officers, life
underwriters, investment advisors, and financial planners.
Call us at (303) 449-0055, or contact Kurt Hofgard to find
out how we can help you plant seeds for the future... today.