The Truth About Estate Planning  Presented by  Suzanne M. Graves Attorney and Counsellor At Law
Estate Planning Overview Most Estate Plans Just Don’t Work!
Estate Planning Overview Smokescreens <ul><li>Will vs. Trust </li></ul><ul><li>Avoid Probate </li></ul><ul><li>Hourly vs. ...
Estate Planning Overview <ul><li>Personalized Counselling </li></ul><ul><li>Proper Asset Ownership </li></ul><ul><li>Forma...
Estate  Planning  Overview Definition of Estate Planning I Want to Control My Property While  I’m Alive and Well Plan for ...
Estate Planning Overview <ul><li>Definition of Estate Planning </li></ul><ul><li>Give What  I Have </li></ul><ul><li>To Wh...
Estate Planning Overview The Planning Pyramid ™ <ul><li>Focuses on Client Goals </li></ul><ul><li>Solutions Make Planning ...
Estate Planning Overview Contrasting the Traditional and  Truth Approaches  <ul><li>The Debate Has Centered on </li></ul><...
Estate Planning Overview <ul><li>Traditional </li></ul><ul><li>Documents Used </li></ul><ul><li>Will </li></ul><ul><li>Tru...
Estate Planning Overview Comparison <ul><li>Traditional  vs. </li></ul><ul><li>Approach </li></ul><ul><li>Client Care ™ </...
Estate Planning Overview <ul><ul><li>Client Care Process </li></ul></ul><ul><ul><li>Meet with Attorney to Develop Goals </...
Estate Planning Overview <ul><li>Three Step Strategy ™ </li></ul><ul><li>DEVELOP Your Plan with  Counselling  </li></ul><u...
Estate Planning Overview <ul><li>Three Types of Estate Plans </li></ul><ul><li>Married Couple </li></ul><ul><ul><ul><li>Un...
Estate Planning Overview <ul><li>Personal Planning Goals </li></ul><ul><li>Catastrophic Illness Protection </li></ul><ul><...
Counselling Oriented  Planning Partners <ul><li>How Do YOU Spell Counselling? </li></ul>
Counselling Oriented Attorney <ul><li>Counselling vs.  Word Processing </li></ul><ul><li>Counselling vs. Communication </l...
Communication <ul><li>No or Low Additional Cost </li></ul><ul><li>Plain English </li></ul><ul><li>Use of Stories </li></ul>
Estate Planning Overview <ul><li>Three Step Strategy ™ </li></ul><ul><li>DEVELOP Your Plan with  Counselling  </li></ul><u...
Estate Planning Overview <ul><li>Three Types of Change An Estate Plan Faces </li></ul><ul><li>Changes in Your Personal Sit...
Estate Planning Overview <ul><li>Three Types of Change An Estate Plan Faces </li></ul><ul><li>Changes in the Legal Environ...
Estate Planning Overview <ul><li>Three Types of Change An Estate Plan Faces </li></ul><ul><li>Changes in Your Attorney’s E...
Estate Planning Overview <ul><li>Three Step Strategy ™ </li></ul><ul><li>DEVELOP Your Plan with Counselling  </li></ul><ul...
“ Appropriate Assistance” <ul><li>Full Disclosure </li></ul><ul><li>Controlled Cost </li></ul><ul><li>True Peace of Mind <...
“ Appropriate Assistance” <ul><li>Are We The Ones? </li></ul><ul><li>Age  </li></ul><ul><li>Experience </li></ul><ul><li>P...
Controlled Cost <ul><li>Successor Trustees Hire Assistance </li></ul><ul><li>Proactive Engagement Approach </li></ul><ul><...
Estate Planning Overview <ul><li>Three Factors of Overall Cost </li></ul><ul><li>The Cost of the Documents </li></ul><ul><...
Estate Planning Overview <ul><li>“ The Rest” of the Fees </li></ul><ul><li>Trust Settlement Administration </li></ul><ul><...
Estate Planning Overview Fees <ul><li>Traditional Probate </li></ul><ul><ul><li>2 to 3% </li></ul></ul><ul><li>“ Standard”...
Without Counselling Approach <ul><li>Reduced Initial Planning Options </li></ul><ul><li>Outdated Plans </li></ul><ul><ul><...
Estate Planning Overview <ul><li>EVERYTHING IN ESTATE PLANNING COMES DOWN TO TITLE! </li></ul><ul><li>Tax Savings </li></u...
Estate Planning Overview <ul><li>Three Types of Title </li></ul><ul><li>Individual Name </li></ul><ul><li>Joint Name </li>...
Estate Planning Overview <ul><li>INDIVIDUAL NAME </li></ul><ul><li>equals </li></ul><ul><li>WILL </li></ul><ul><li>equals ...
<ul><li>Estate Planning Options </li></ul>Estate Planning Overview <ul><li>No Documents (Joint Tenancy) </li></ul><ul><li>...
Estate Planning Overview <ul><li>Estate Planning Challenges </li></ul><ul><li>Mental Disability </li></ul><ul><li>Asset Tr...
Mental Disability Planning <ul><li>Guardianship </li></ul><ul><li>Loss of Control (to Judge) </li></ul><ul><ul><li>When  I...
Mental Disability Planning <ul><li>Guardianship </li></ul><ul><li>Expensive </li></ul><ul><ul><li>Attorney’s Fees </li></u...
Mental Disability Planning <ul><li>General Durable Power of Attorney </li></ul><ul><li>Blank Check </li></ul><ul><li>Effec...
Mental Disability Planning <ul><li>Bare Bones Trusts </li></ul><ul><li>Contain  Standard Definitions of Disability </li></...
Mental Disability Planning <ul><li>Client Care Process ™ </li></ul><ul><li>Personalized Definition of Disability </li></ul...
Mental Disability Planning <ul><li>Planning for Retirement Plans </li></ul><ul><li>Contact Financial Institutions (or Huma...
Federal Estate Tax Reduction <ul><li>Key Tax Savings Provisions </li></ul><ul><li>Unlimited Marital Deduction </li></ul><u...
Federal Estate Tax Reduction <ul><li>Trip to the IRS Supermarket </li></ul>
Federal Estate Tax Reduction <ul><li>Property in The Supermarket  Is  Subject to Federal Estate Tax </li></ul><ul><li>Prop...
Federal Estate Tax Reduction <ul><li>Family Trust </li></ul><ul><li>also called: </li></ul><ul><li>B Trust </li></ul><ul><...
<ul><li>Trustee Instructions: </li></ul><ul><li>Split Trusts Into Two Sub-Trusts </li></ul>Federal Estate Tax Reduction Fa...
Federal Estate Tax Reduction <ul><li>Trustee Instructions: </li></ul><ul><li>Transfer up to Exemption Equivalent to Family...
Federal Estate Tax Reduction Marital Trust <ul><li>Trustee Instructions: </li></ul><ul><li>Income to Spouse   </li></ul>Ma...
Federal Estate Tax Reduction Marital Trust <ul><li>Trustee Instructions: </li></ul><ul><li>Principal </li></ul><ul><ul><ul...
Federal Estate Tax Return Family Trust <ul><li>Trustee Instructions: </li></ul><ul><li>Income to Spouse </li></ul><ul><ul>...
Federal Estate Tax Reduction Family Trust <ul><li>Trustee Instructions: </li></ul><ul><li>Principal For “Needs” </li></ul>...
Federal Estate Tax Reduction <ul><li>The “Rule of 72” </li></ul><ul><li>Dividing 72 by the rate of return on your investme...
Federal Estate Tax Reduction <ul><li>Effect of Growth </li></ul>Excess To Later Beneficiaries  But Included in Survivor’s ...
Federal Estate Tax Reduction <ul><li>Tax Savings Determined By: </li></ul><ul><ul><li>Applicable Exclusion Amount </li></u...
Federal Estate Tax Reduction <ul><li>Available </li></ul><ul><li>Individual Name Assets </li></ul><ul><li>Living Trust Ass...
The Truth About Estate Planning  Thank you for Attending Law Offices of Suzanne M. Graves, Inc.
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The Truth About Estate Planning

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Educational seminar overview of the estate planning process and it's advantages over probate

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  • MODULE 1A Use Overhead #1 - The Truth About Estate Planning Tell the CLIFF YOUNG STORY (optional) – this is used to explain the name of the workshop “The Truth About Estate Planning” and why we call it that – about preconceived notions and having an open mind QUESTION: Let me ask you a question. How many of you have found that there are really only two types of things in life: things that work, and things that don’t work? May I have your permission to be blunt?
  • The Truth About Estate Planning

    1. 1. The Truth About Estate Planning  Presented by Suzanne M. Graves Attorney and Counsellor At Law
    2. 2. Estate Planning Overview Most Estate Plans Just Don’t Work!
    3. 3. Estate Planning Overview Smokescreens <ul><li>Will vs. Trust </li></ul><ul><li>Avoid Probate </li></ul><ul><li>Hourly vs. Percentage Billing </li></ul><ul><li>Funded vs. Unfunded Trust </li></ul>
    4. 4. Estate Planning Overview <ul><li>Personalized Counselling </li></ul><ul><li>Proper Asset Ownership </li></ul><ul><li>Formal Review Process </li></ul><ul><li>Controlled Transfer Process </li></ul><ul><ul><li>What to Do </li></ul></ul><ul><ul><li>How to Do It </li></ul></ul><ul><ul><li>How to Pay for It </li></ul></ul>Keys to an Effective Estate Plan
    5. 5. Estate Planning Overview Definition of Estate Planning I Want to Control My Property While I’m Alive and Well Plan for Me and My Loved Ones if I Become Disabled
    6. 6. Estate Planning Overview <ul><li>Definition of Estate Planning </li></ul><ul><li>Give What I Have </li></ul><ul><li>To Whom I Want </li></ul><ul><li>When I Want </li></ul><ul><li>The Way I Want </li></ul><ul><li>All While Assuring My Wisdom is Transferred Along with My Wealth </li></ul>
    7. 7. Estate Planning Overview The Planning Pyramid ™ <ul><li>Focuses on Client Goals </li></ul><ul><li>Solutions Make Planning Easier </li></ul><ul><li>Exposes Traditional Planning as </li></ul><ul><li>“ Upside Down” </li></ul>
    8. 8. Estate Planning Overview Contrasting the Traditional and Truth Approaches <ul><li>The Debate Has Centered on </li></ul><ul><li>Documents </li></ul><ul><li>“ It’s Not About Documents, It’s About </li></ul><ul><li>RESULTS!” </li></ul>
    9. 9. Estate Planning Overview <ul><li>Traditional </li></ul><ul><li>Documents Used </li></ul><ul><li>Will </li></ul><ul><li>Trust (Testamentary) </li></ul><ul><li>Powers of Attorney </li></ul><ul><ul><li>Financial </li></ul></ul><ul><ul><li>Health Care </li></ul></ul><ul><li>Living Will </li></ul><ul><li>Living Trust </li></ul><ul><li>Documents Used </li></ul><ul><li>Will (Pour-over) </li></ul><ul><li>Trust (Living) </li></ul><ul><li>Powers of Attorney </li></ul><ul><ul><li>Financial </li></ul></ul><ul><ul><li>Health Care </li></ul></ul><ul><li>Living Will </li></ul>
    10. 10. Estate Planning Overview Comparison <ul><li>Traditional vs. </li></ul><ul><li>Approach </li></ul><ul><li>Client Care ™ </li></ul>
    11. 11. Estate Planning Overview <ul><ul><li>Client Care Process </li></ul></ul><ul><ul><li>Meet with Attorney to Develop Goals </li></ul></ul><ul><ul><li>Design Plan </li></ul></ul><ul><ul><li>Sign Plan </li></ul></ul><ul><ul><li>Fund Trust </li></ul></ul><ul><ul><li>Successor Training Workshops </li></ul></ul><ul><ul><li>Other Educational Workshops for Client </li></ul></ul><ul><ul><li>Annual Updating of Trust </li></ul></ul>
    12. 12. Estate Planning Overview <ul><li>Three Step Strategy ™ </li></ul><ul><li>DEVELOP Your Plan with Counselling </li></ul><ul><li>Oriented Planning Partners </li></ul><ul><li>COMMIT Yourself and Your Family to a Continuing Maintenance and Education Program </li></ul><ul><li>SECURE Appropriate Assistance for You </li></ul><ul><li>and Your Family to Transfer Your </li></ul><ul><li>Wisdom along With Your Wealth </li></ul>
    13. 13. Estate Planning Overview <ul><li>Three Types of Estate Plans </li></ul><ul><li>Married Couple </li></ul><ul><ul><ul><li>Under $2,000,000 </li></ul></ul></ul><ul><li>Married Couple </li></ul><ul><ul><ul><li>Over $2,000,000 </li></ul></ul></ul><ul><li>Unmarried Individual </li></ul>
    14. 14. Estate Planning Overview <ul><li>Personal Planning Goals </li></ul><ul><li>Catastrophic Illness Protection </li></ul><ul><li>Remarriage Protection </li></ul><ul><li>Creditor Protection </li></ul><ul><li>Divorce Protection </li></ul><ul><li>Values Promotion </li></ul>
    15. 15. Counselling Oriented Planning Partners <ul><li>How Do YOU Spell Counselling? </li></ul>
    16. 16. Counselling Oriented Attorney <ul><li>Counselling vs. Word Processing </li></ul><ul><li>Counselling vs. Communication </li></ul>
    17. 17. Communication <ul><li>No or Low Additional Cost </li></ul><ul><li>Plain English </li></ul><ul><li>Use of Stories </li></ul>
    18. 18. Estate Planning Overview <ul><li>Three Step Strategy ™ </li></ul><ul><li>DEVELOP Your Plan with Counselling </li></ul><ul><li>Oriented Planning Partners </li></ul><ul><li>COMMIT Yourself and Your Family to a Continuing Maintenance and Education Program </li></ul><ul><li>SECURE Appropriate Assistance for You </li></ul><ul><li>and Your Family to Transfer Your </li></ul><ul><li>Wisdom along With Your Wealth </li></ul>
    19. 19. Estate Planning Overview <ul><li>Three Types of Change An Estate Plan Faces </li></ul><ul><li>Changes in Your Personal Situation </li></ul><ul><ul><ul><li>Personal </li></ul></ul></ul><ul><ul><ul><li>Financial </li></ul></ul></ul>
    20. 20. Estate Planning Overview <ul><li>Three Types of Change An Estate Plan Faces </li></ul><ul><li>Changes in the Legal Environment </li></ul><ul><ul><ul><li>Tax </li></ul></ul></ul><ul><ul><ul><li>Non-Tax (Personal Protections) </li></ul></ul></ul>
    21. 21. Estate Planning Overview <ul><li>Three Types of Change An Estate Plan Faces </li></ul><ul><li>Changes in Your Attorney’s Experience </li></ul><ul><li>Changes in Your OWN Experience </li></ul><ul><ul><ul><li>Static vs. Continuous Improvement? </li></ul></ul></ul><ul><ul><ul><li>Add Earned and Learned Wisdom! </li></ul></ul></ul>
    22. 22. Estate Planning Overview <ul><li>Three Step Strategy ™ </li></ul><ul><li>DEVELOP Your Plan with Counselling </li></ul><ul><li>Oriented Planning Partners </li></ul><ul><li>COMMIT Yourself and Your Family to a Continuing Maintenance and Education Program </li></ul><ul><li>SECURE Appropriate Assistance for You </li></ul><ul><li>and Your Family to Transfer Your </li></ul><ul><li>Wisdom along With Your Wealth </li></ul>
    23. 23. “ Appropriate Assistance” <ul><li>Full Disclosure </li></ul><ul><li>Controlled Cost </li></ul><ul><li>True Peace of Mind </li></ul>
    24. 24. “ Appropriate Assistance” <ul><li>Are We The Ones? </li></ul><ul><li>Age </li></ul><ul><li>Experience </li></ul><ul><li>Personality </li></ul><ul><li>Values </li></ul>
    25. 25. Controlled Cost <ul><li>Successor Trustees Hire Assistance </li></ul><ul><li>Proactive Engagement Approach </li></ul><ul><li>Full Funding </li></ul><ul><li>Proactive Trustee (&Beneficiary) Training </li></ul>
    26. 26. Estate Planning Overview <ul><li>Three Factors of Overall Cost </li></ul><ul><li>The Cost of the Documents </li></ul><ul><li>The Cost of Updating </li></ul><ul><li>(Or Failing to Update) </li></ul><ul><li>The Cost After Death </li></ul><ul><ul><li>Transfer of Assets </li></ul></ul><ul><ul><li>Death Tax Return Preparation </li></ul></ul>
    27. 27. Estate Planning Overview <ul><li>“ The Rest” of the Fees </li></ul><ul><li>Trust Settlement Administration </li></ul><ul><ul><li>Disability </li></ul></ul><ul><ul><li>Death </li></ul></ul><ul><li>Death Tax Return Preparation </li></ul><ul><li>Probate Services </li></ul>
    28. 28. Estate Planning Overview Fees <ul><li>Traditional Probate </li></ul><ul><ul><li>2 to 3% </li></ul></ul><ul><li>“ Standard” Living Trust Planning </li></ul><ul><ul><li>1.5 to 2.5% </li></ul></ul><ul><li>Client Care Process ™ </li></ul><ul><ul><li>.5 to 1% </li></ul></ul>
    29. 29. Without Counselling Approach <ul><li>Reduced Initial Planning Options </li></ul><ul><li>Outdated Plans </li></ul><ul><ul><ul><li>Technical </li></ul></ul></ul><ul><ul><ul><li>Personal </li></ul></ul></ul><ul><li>Little Education </li></ul><ul><ul><ul><li>For Yourself </li></ul></ul></ul><ul><ul><ul><li>For Your Family </li></ul></ul></ul>
    30. 30. Estate Planning Overview <ul><li>EVERYTHING IN ESTATE PLANNING COMES DOWN TO TITLE! </li></ul><ul><li>Tax Savings </li></ul><ul><li>Personal Protections </li></ul><ul><ul><li>Catastrophic Illness Protection </li></ul></ul><ul><ul><li>Catastrophic Creditor Protection </li></ul></ul><ul><ul><li>Remarriage Protection </li></ul></ul><ul><ul><li>Divorce Protection </li></ul></ul>
    31. 31. Estate Planning Overview <ul><li>Three Types of Title </li></ul><ul><li>Individual Name </li></ul><ul><li>Joint Name </li></ul><ul><li>Contract </li></ul><ul><ul><li>Beneficiary Designation </li></ul></ul><ul><ul><li>Trust </li></ul></ul>
    32. 32. Estate Planning Overview <ul><li>INDIVIDUAL NAME </li></ul><ul><li>equals </li></ul><ul><li>WILL </li></ul><ul><li>equals </li></ul><ul><li>PROBATE! </li></ul>
    33. 33. <ul><li>Estate Planning Options </li></ul>Estate Planning Overview <ul><li>No Documents (Joint Tenancy) </li></ul><ul><li>Simple Will & Power of Attorney </li></ul><ul><li>Will with Testamentary Trust & </li></ul><ul><li>Power of Attorney </li></ul><ul><li>Bare Bones Living Trust </li></ul><ul><li>Client Care Process ™ </li></ul>
    34. 34. Estate Planning Overview <ul><li>Estate Planning Challenges </li></ul><ul><li>Mental Disability </li></ul><ul><li>Asset Transfer Upon Death </li></ul><ul><li>Taxation </li></ul><ul><li>Personal Planning Goals </li></ul>
    35. 35. Mental Disability Planning <ul><li>Guardianship </li></ul><ul><li>Loss of Control (to Judge) </li></ul><ul><ul><li>When I’m Disabled </li></ul></ul><ul><ul><li>Who Takes over Control (Guardian) </li></ul></ul><ul><ul><li>What the Guardian Can Do </li></ul></ul>
    36. 36. Mental Disability Planning <ul><li>Guardianship </li></ul><ul><li>Expensive </li></ul><ul><ul><li>Attorney’s Fees </li></ul></ul><ul><ul><li>Accounting Fees </li></ul></ul><ul><li>Time Consuming </li></ul><ul><ul><li>Record-Keeping </li></ul></ul><ul><ul><li>Court Reports </li></ul></ul><ul><li>Public </li></ul>
    37. 37. Mental Disability Planning <ul><li>General Durable Power of Attorney </li></ul><ul><li>Blank Check </li></ul><ul><li>Effective Immediately </li></ul><ul><li>No Instructions </li></ul><ul><li>No Reporting Requirements </li></ul>
    38. 38. Mental Disability Planning <ul><li>Bare Bones Trusts </li></ul><ul><li>Contain Standard Definitions of Disability </li></ul><ul><li>and No Personal Instructions; </li></ul><ul><li>Rely on General Durable Powers of Attorney; </li></ul><ul><li>or </li></ul><ul><li>Rely on Funding Only Power of Attorney </li></ul>
    39. 39. Mental Disability Planning <ul><li>Client Care Process ™ </li></ul><ul><li>Personalized Definition of Disability </li></ul><ul><li>Private Transfer to Personally Selected </li></ul><ul><li>Disability Trustees </li></ul><ul><li>Personalized Disability Instructions </li></ul>
    40. 40. Mental Disability Planning <ul><li>Planning for Retirement Plans </li></ul><ul><li>Contact Financial Institutions (or Human Resources) in advance </li></ul><ul><ul><li>Use their own power of attorney; or </li></ul></ul><ul><ul><li>Get advance approval of your personalized document </li></ul></ul>
    41. 41. Federal Estate Tax Reduction <ul><li>Key Tax Savings Provisions </li></ul><ul><li>Unlimited Marital Deduction </li></ul><ul><li>$2,000,000 Exemption Equivalent </li></ul>
    42. 42. Federal Estate Tax Reduction <ul><li>Trip to the IRS Supermarket </li></ul>
    43. 43. Federal Estate Tax Reduction <ul><li>Property in The Supermarket Is Subject to Federal Estate Tax </li></ul><ul><li>Property out in The Parking Lot Is Not Subject to Federal Estate Tax </li></ul>
    44. 44. Federal Estate Tax Reduction <ul><li>Family Trust </li></ul><ul><li>also called: </li></ul><ul><li>B Trust </li></ul><ul><li>Credit Shelter Trust </li></ul><ul><li>By Pass Trust </li></ul>Family Trust
    45. 45. <ul><li>Trustee Instructions: </li></ul><ul><li>Split Trusts Into Two Sub-Trusts </li></ul>Federal Estate Tax Reduction Family Marital Survivor May Be Trustee and Beneficiary of Both!
    46. 46. Federal Estate Tax Reduction <ul><li>Trustee Instructions: </li></ul><ul><li>Transfer up to Exemption Equivalent to Family Trust, Put Any Excess in Marital Trust </li></ul>Marital Excess 1st $2,000,000 (Today) Family
    47. 47. Federal Estate Tax Reduction Marital Trust <ul><li>Trustee Instructions: </li></ul><ul><li>Income to Spouse </li></ul>Marital
    48. 48. Federal Estate Tax Reduction Marital Trust <ul><li>Trustee Instructions: </li></ul><ul><li>Principal </li></ul><ul><ul><ul><li>Full Control </li></ul></ul></ul><ul><ul><ul><li>Full Use; Limited </li></ul></ul></ul><ul><ul><ul><li>Control on Death </li></ul></ul></ul><ul><ul><ul><li>Full Use </li></ul></ul></ul>Marital
    49. 49. Federal Estate Tax Return Family Trust <ul><li>Trustee Instructions: </li></ul><ul><li>Income to Spouse </li></ul><ul><ul><ul><li>Mandatory </li></ul></ul></ul><ul><ul><ul><li>Discretionary </li></ul></ul></ul>Family
    50. 50. Federal Estate Tax Reduction Family Trust <ul><li>Trustee Instructions: </li></ul><ul><li>Principal For “Needs” </li></ul><ul><ul><ul><li>Health </li></ul></ul></ul><ul><ul><ul><li>Education </li></ul></ul></ul><ul><ul><ul><li>Maintenance </li></ul></ul></ul><ul><ul><ul><li>Support </li></ul></ul></ul>Family
    51. 51. Federal Estate Tax Reduction <ul><li>The “Rule of 72” </li></ul><ul><li>Dividing 72 by the rate of return on your investment roughly equals the number of years it takes to double your account balance. </li></ul>
    52. 52. Federal Estate Tax Reduction <ul><li>Effect of Growth </li></ul>Excess To Later Beneficiaries But Included in Survivor’s Estate 1st $2,000,000 8,000,000 To Later Beneficiaries WITHOUT Federal Estate Tax Family Marital
    53. 53. Federal Estate Tax Reduction <ul><li>Tax Savings Determined By: </li></ul><ul><ul><li>Applicable Exclusion Amount </li></ul></ul><ul><ul><li>(Determined by Congress) </li></ul></ul><ul><ul><li>Funding of Family Trust </li></ul></ul>
    54. 54. Federal Estate Tax Reduction <ul><li>Available </li></ul><ul><li>Individual Name Assets </li></ul><ul><li>Living Trust Assets </li></ul><ul><li>Beneficiary Designations Payable to Trust </li></ul><ul><li>Not Available </li></ul><ul><li>Joint Assets </li></ul><ul><li>Beneficiary Designations Payable to Individuals </li></ul>Funding The Family Trust
    55. 55. The Truth About Estate Planning  Thank you for Attending Law Offices of Suzanne M. Graves, Inc.

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