The Estate Planning Team's Planning Philosophies

*Clarity Is Power.

*Planning is about peace of mind

*Plan for the worst, hope for the best.

*Planning is about doing the right thing at the right time for the right reason with the right tool

*Don’t default to the most expensive plan--the government’s. Take action.

*Maximize your employee benefits package.

*One of the certainties in life is change; plan for it.

*Use the government’s money (and your employer’s) whenever you can.

*Don’t pay taxes on money that you don’t spend.

*Coordinate your Advisors.

*A plan will not work without ongoing maintenance.

*Every planning tool has pluses and minuses.

*Use the available tax laws and strategies to your advantage

*Don’t defer taxes to a higher tax bracket.