Financial Expert Marion G. Cuff, CFS: Estate Planning
Marion G. Cuff, CFS
Isn't estate planning only for the rich?
In a word, no. Estate planning allows you or anyone to implement certain tools now to ensure that your concerns and goals are
fulfilled after you die. Your objective may be to simply make sure that your loved ones are provided for. Or you may have more
complex goals, such as avoiding probate or reducing estate taxes.
Estate planning can be as simple as implementing a will (the cornerstone of any estate plan) and purchasing life insurance, or as
complicated as executing trusts and exploring other sophisticated tax and estate planning techniques. Therefore, estate planning
is important whether you are wealthy or whether you have only a small estate. In fact, estate planning may be more important if
you have a smaller estate because final expenses will have a greater impact on your estate. Wasting even a single asset may
cause your loved ones to suffer from lack of financial resources.
You may also want to plan your estate if you have special circumstances such as any of the following:
• You have minor children or children with special needs
• Your spouse is uncomfortable with or incapable of handling financial matters
• You have property in more than one state
• You have special property, such as artwork or collectibles
Working with an advisor that holds the CFS designation does not guarantee investment success.
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advice. The information presented here is not specific to any individual's personal circumstances.
To the extent that this material concerns tax matters, it is not intended or written to be used, and
cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law.
Each taxpayer should seek independent advice from a tax professional based on his or her
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available information from sources believed to be reliable—we cannot assure the accuracy or
completeness of these materials. The information in these materials may change at any time and