Even if you don't expect your estate’s value (including death benefits from insurance policies) to total more than $675,000, you may need an estate plan. Proper estate planning can use lifetime gifts and trusts to minimize your estate-tax liability.

For example, without an estate plan, an estate of $1.5 million might be charged $353,750 in estate taxes. A good plan could reduce that charge to $95,000—for a savings of $258,750!

With the help of our Financial Planning Department, your Financial Consultant can complete a comprehensive estate plan, at no cost or obligation, for you to review with your accountant and attorney.