遗产规划

在遗产规划中，财务顾问的角色是什么

Although a major aspect of the estate planning process involves properly addressing exactly who your wealth will transfer to and to what extent, it also addresses other important questions such as who is going to be responsible for your long-term care and health on your behalf. While hiring an attorney is helpful for several of the more specific legal aspects involved in estate planning, 顾问会帮助你实现你的目标和你心中的顾虑. The assistance of an advisor is also important for ensuring that your estate plan is able to adjust and withstand any sudden changes in your life. When we implement any financial plan 为我们的客户, we are always on call. 不管生活丢给你什么, we’re with you every step of the way to make sure that your financial plan is going to withstand any unexpected surprises.

不像大多数顾问，我们采取 建立财务计划的整体方法 为我们的客户. 换句话说，我们首先关注你的目标和目的. 通过采取整体的方法来发展个性化, 综合财务计划, we’re able to develop a plan that focuses on creating a lasting legacy for yourself and your family. 在一天结束的时候, estate planning is a conversation around the values you’ve developed in your life that you want your family to embrace when you’re gone. Many of our first meetings are simply to better understand the person sitting across from us. We understand that everyone has different concerns and values so a financial plan should be created with this in mind. Only by first understanding your goals and concerns do we look at the impact of things such as taxes and the various investments on your financial roadmap.

A financial advisor’s role in estate planning can also simply be to provide a better understanding of the strategies that your attorney recommends for your estate plan. Instead of carrying the weight of understanding countless legal documents on your own, an advisor can help by explaining and clarifying the why behind the different recommendations that your attorney has advised you on. 毕竟, developing an estate plan is typically a team effort and by having a financial advisor in your back pocket you’re able to not only have a better understanding of your estate plan, but you’re also able to ensure that all of your goals and concerns are going to be addressed alongside it. 没有人愿意给他们所爱的人留下一份随意制定的遗产计划. Working with both an attorney and advisor ensures that no stone is left unturned and that the legacy you leave for your loved ones is built to last.

为什么遗产计划很重要

Your estate encompasses everything from your house to your financial investments and personal possessions. 如果你对你的遗产没有一个适当的计划, 政府通常会给你提供一个. Probate is a court-supervised process whereby the state is tasked with distributing a deceased person’s estate according to the rules of the deceased person’s state of residence. While there are many reasons why a person’s estate may need to undergo probate, 无遗嘱死亡通常是达到目的的途径. Intestacy applies when the deceased persons did not have a will in place or a binding alternative. It refers to the body that is entitled to the property under the rules of inheritances. 换句话说, 如果你没有一个严格的意志在地方, 你的受益人可能有义务接受遗嘱认证, which often comes along with substantial fees and a prolonged period of wait time. 例如, 平均, 一旦案件被打开, the probate process is typically a six to nine-month ordeal and in some cases, 遗嘱认证过程可能会花更长时间.

If you’re currently supporting any family members and are concerned for their wellbeing when you pass, it would be in your best interest to prepare an estate plan that addresses the need to avoid the probate process. While the solution will rely on your unique financial situation and family, by developing a trust or establishing payable on death accounts you can typically avoid probate altogether. Taking the appropriate estate planning steps can help ease the transition of assets to your beneficiaries and minimize what could have been both costly and timely affair for your loved ones.

188金宝搏beat体育官网金融顾问受过培训 帮助你建立一个全面的计划，给你更大的控制权, 隐私, 以及保护你的遗产.