Will and Testament


If you do nothing else to take care of your legal affairs, a will should always be written. If you don’t make a will before your death, state law will determine who gets your property and a judge may decide who raises your children.

Some people need a living trust immediately, others will never need one, but most of us fall somewhere in the middle. Factors to consider are how old you are, how wealthy you are and whether you are married. The main reason to set up a living trust is to save your family time and money by avoiding probate after your death.

Estate planning is the process of anticipating and arranging, during a person’s life, for the management and disposal of that person’s estate during the person’s life and at and after death, while minimizing gift, estate, generation skipping transfer and income tax.