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Why Us Fixed Annuities IRA's Estate Planning Disability Focused Advisory
Long Term Care

How much life insurance do I need?

What is my potential estate tax liablitiy?

How much can I contribute to an IRA?

What are my long-term care insurance needs?

How much disability insurance do I need?

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"Plan ahead: It wasn’t raining when Noah built the ark."
                              — Richard Cushing           ...Preparedness

Robert McKeever
P.O. Box 1186
Smithtown, NY 11787
Tel: 631.863.2200
Toll Free: 800.561.1492
Fax: 631.863.2204
www. rmclu.com


Assure that your assets will be distributed to your loved ones.

Several "unwanted heirs" may step forward first for their share of your estate. These include: Federal Estate Tax, State Inheritance Tax Estate and Administrative Costs. The federal estate tax is a progressive tax on the right to transfer property at death. Federal estate tax rates begin at 18% and increase to 45% of the taxable value of an estate. Your estate must pay the federal estate tax in cash, and it generally must pay it in nine months. Estate administrative costs must generally be paid in cash as well.

It may be impossible to liquidate assets to pay taxes in cash.

Federal estate tax rates go as high as 45% on taxable estates in years 2007-2011. This means that the federal government could 'inherit' a significant portion of your estate unless you take measures to preserve your wealth. Regardless of your age, it is a fact that using life insurance is frequently the most economical method of providing needed estate liquidity.

Determine your liability and set aside a fraction of your estate each year.

Wrapping life insurance inside a trust is one of the many advantages of Life Insurance in an Estate Plan. In addition to serving as a source of estate liquidity, life insurance can provide you with the peace of mind you need. There are several action checklists in the presentation that you will find useful. Estimate your liability now: Potential Estate Tax Liability Calculator

Get the facts: Estate Planning     • Please note that estate and inheritance tax rates can change anytime. So call Bob for current rates. 1-800-561-1492

Let’s talk about your needs. Call me at 1.800.561.1492 or email me at: bob@rmclu.com

Copyright © 2014, Robert McKeever, RMCLU All Rights Reserved.