The average beneficiary goes through their entire inheritance in 18 months.* Careful planning can help ensure that the wealth you worked hard to accumulate will be preserved and distributed to your heirs as you wish.   Together with our advanced specialists, your Financial Consultant can recommend a broad range of tools and strategies to accomplish your goals.

Establishing wills, gifting programs and trusts require the help of your attorney and qualified tax advisor.  Your Financial Consultant works closely with you to provide the information they need to design the plan.  In addition, he or she can work with the professionals at Security National Trust Company** to provide trust and management services to meet your needs.. 

TOOLS AND CONCEPTS

Annual Exclusion Gifts – reduces size of your estate thereby reducing taxes

• Leverage your annual exclusion gifts
• Pay for a child’s education or medical bills
• Avoid capital gains tax on appreciated assets
• Provide income for yourself or heirs

Life Insurance – we use an objective well branded multi-carrier platform

• Survivorship or “second to die” insurance
• Individual Variable, No Lapse Protection and Blended
• Term Life Insurance
• Long Term Care, Blended and   “return of premium” products
• Annuities, Fixed and Variable with various lifetime income riders

Irrevocable Life Insurance Trust - we can review your existing ILIT or help establish one

• Typically funded with insurance but other assets can be used as well
• Set up properly,  provides for Federal Estate Tax free proceeds
• Creditor Protection of the assets remaining in trust
• Can allow for Private and Professional Management    

*(Source: St. Louis Lawyer Magazine November 2002)
**An affiliate of Hazlett Burt and Watson