Discover the importance of estate planning for seniors in Toronto. Learn about wills, executors, and more. Contact Sharp Asset Management for expert advice.
Estate planning benefits everyone, not just the rich, by allowing people to maintain control over their property if they become incapacitated or die. An estate plan such as a living trust or will outlines wishes to avoid disputes and probate court. Without a plan, a court determines how assets are distributed, which may not be the person's wishes. A revocable living trust avoids probate by naming a trustee to manage assets, and is flexible to change over time. Lifetime gifting and estate tax considerations are important parts of a comprehensive estate plan.
This document discusses various estate planning tools including wills, trusts, powers of attorney, and advance directives. A will allows you to choose who inherits your property, cares for children, and manages your estate. A testamentary trust can protect and manage assets for children. Advance directives express wishes for end-of-life medical care. Powers of attorney designate someone to handle finances if disabled. Living trusts avoid probate but not taxes, and allow management of assets if disabled. Estate planning services are offered at a fixed fee.
Choosing Your Estate Personal RepresentativeBill Taylor
This document discusses the role and responsibilities of a personal representative (PR), who is responsible for settling a deceased person's estate. It explains that choosing a PR is important as it can mean the difference between a smooth or problematic estate settlement. The duties of a PR include locating important documents, notifying relevant parties, managing assets, paying debts and taxes, and distributing assets to beneficiaries. Qualities of a good PR include availability, trustworthiness, and relevant skills. The document provides questions to consider when choosing a PR and recommends notifying your chosen representative.
At Price & Kelway we get the job done, expertly.
Our clients are businesses and individuals who value clear advice and affordable solutions. They trust our team of specialist solicitors to provide the best legal support, whenever and wherever it is needed.
And we deliver, every time
Our philosophy is simple. Clients deserve legal support which is clear, within budget and effective. So we promise three things:
- Solicitors who speak your language
- Value for money and no hidden charges
- Solutions
Basics of Estate Planning and Special Needs Trusts with special guest speaker...mitoaction
This document provides an overview of special needs trusts and their importance for estate planning when a beneficiary has a disability. It discusses the two main types of special needs trusts - first party trusts funded with the disabled person's assets, and third party trusts funded by other people. These trusts are important because they allow beneficiaries to maintain public benefits eligibility despite receiving distributions from the trust. The document also covers selecting and funding a special needs trust, and the responsibilities of a special needs trust trustee.
Risk Related to Will and Estate PlanningRobson Hayes
Are you delaying in updating your will or estate planning? If you are doing so, you are putting your will and estate planning at risk until it's too late. Wills and estate planning for your estate should be done early. Source: http://www.robsonhayes.com.au/the-risks-of-putting-off-your-will-and-estate-planning-until-its-too-late
This is a simple slideshow defining Estate Planning and explaining the tools used in Oklahoma Estate Planning and the questions you need to ask yourself when you are thinking about Oklahoma Estate.
The importance of estate planning. Dying without a will, probate court, power of attorney - these matters and more are addressed in this presentation. Don't delay, plan today!
Estate planning benefits everyone, not just the rich, by allowing people to maintain control over their property if they become incapacitated or die. An estate plan such as a living trust or will outlines wishes to avoid disputes and probate court. Without a plan, a court determines how assets are distributed, which may not be the person's wishes. A revocable living trust avoids probate by naming a trustee to manage assets, and is flexible to change over time. Lifetime gifting and estate tax considerations are important parts of a comprehensive estate plan.
This document discusses various estate planning tools including wills, trusts, powers of attorney, and advance directives. A will allows you to choose who inherits your property, cares for children, and manages your estate. A testamentary trust can protect and manage assets for children. Advance directives express wishes for end-of-life medical care. Powers of attorney designate someone to handle finances if disabled. Living trusts avoid probate but not taxes, and allow management of assets if disabled. Estate planning services are offered at a fixed fee.
Choosing Your Estate Personal RepresentativeBill Taylor
This document discusses the role and responsibilities of a personal representative (PR), who is responsible for settling a deceased person's estate. It explains that choosing a PR is important as it can mean the difference between a smooth or problematic estate settlement. The duties of a PR include locating important documents, notifying relevant parties, managing assets, paying debts and taxes, and distributing assets to beneficiaries. Qualities of a good PR include availability, trustworthiness, and relevant skills. The document provides questions to consider when choosing a PR and recommends notifying your chosen representative.
At Price & Kelway we get the job done, expertly.
Our clients are businesses and individuals who value clear advice and affordable solutions. They trust our team of specialist solicitors to provide the best legal support, whenever and wherever it is needed.
And we deliver, every time
Our philosophy is simple. Clients deserve legal support which is clear, within budget and effective. So we promise three things:
- Solicitors who speak your language
- Value for money and no hidden charges
- Solutions
Basics of Estate Planning and Special Needs Trusts with special guest speaker...mitoaction
This document provides an overview of special needs trusts and their importance for estate planning when a beneficiary has a disability. It discusses the two main types of special needs trusts - first party trusts funded with the disabled person's assets, and third party trusts funded by other people. These trusts are important because they allow beneficiaries to maintain public benefits eligibility despite receiving distributions from the trust. The document also covers selecting and funding a special needs trust, and the responsibilities of a special needs trust trustee.
Risk Related to Will and Estate PlanningRobson Hayes
Are you delaying in updating your will or estate planning? If you are doing so, you are putting your will and estate planning at risk until it's too late. Wills and estate planning for your estate should be done early. Source: http://www.robsonhayes.com.au/the-risks-of-putting-off-your-will-and-estate-planning-until-its-too-late
This is a simple slideshow defining Estate Planning and explaining the tools used in Oklahoma Estate Planning and the questions you need to ask yourself when you are thinking about Oklahoma Estate.
The importance of estate planning. Dying without a will, probate court, power of attorney - these matters and more are addressed in this presentation. Don't delay, plan today!
This document provides an overview of wills, trusts, and advanced directives. It defines key terms like gross estate, probate estate, and non-probate estate. It explains how assets outside of the will like life insurance and retirement accounts pass on. It also covers health care proxies, living wills, powers of attorney, and different types of trusts. The document emphasizes the importance of estate planning and working with an attorney to draft appropriate legal documents.
This document summarizes key legal documents and services related to estate planning and administration. It discusses the contents of wills, what happens without a will, powers of attorney, post-death services for executors and administrators, and types of trusts. Key points covered include who decides things if no will, choosing attorneys under powers of attorney, obtaining grants of probate or letters of administration, preparing estate accounts and distributions, and using declarations of trust or lifetime trusts to manage assets and protect beneficiaries.
1) Estate planning involves determining how to distribute one's assets after death through various legal means like a will, gifts during life, or intestacy laws.
2) Developing a sound estate plan involves ascertaining one's assets, determining how to distribute them among beneficiaries, and choosing appropriate legal methods like wills or trusts.
3) Strategies for effective estate planning include protecting asset value, maximizing amounts to heirs, minimizing costs and inconvenience, appointing capable executors, and naming guardians for minor beneficiaries.
This document provides information about estate planning documents and strategies. It discusses durable powers of attorney, health care proxies, living wills, probate vs. non-probate assets, trusts, guardianships, and intestacy. The key points are that everyone needs an estate plan to determine who receives assets and makes medical decisions; proper planning can avoid costs and ensure wishes are followed. It also warns that do-it-yourself plans can have unintended consequences, so consulting experts is recommended.
This document summarizes a seminar on achieving financial success. The seminar objectives are to recognize fundamentals for building wealth, identify factors leading to lower wealth accumulation among underrepresented groups, identify personal habits and values impacting financial futures, and create action plans for goals. The seminar discusses the importance of financial planning, controlling expenses, diversifying assets, and periodically reviewing goals and budgets. It provides tips for getting started with financial planning including understanding terminology, paying yourself first, and being ready for opportunities.
This document summarizes two current estate planning topics - tools for mental incapacity planning like enduring powers of attorney and representation agreements, and what happens to registered education savings plans (RESPs) at the death of the subscriber. It discusses the key features and considerations for each of these tools, such as who to appoint as an attorney or representative, when their powers become effective, and how to structure RESPs to avoid termination upon death through strategies like naming a successor subscriber or placing the RESP in a testamentary trust.
This document provides information on legal documents such as wills, lasting powers of attorney, trusts, and the process of estate administration. It outlines key components of wills including executors, beneficiaries, funeral wishes, guardians for children, and tax planning. It also describes lasting powers of attorney and how they can appoint attorneys to make decisions regarding health, welfare, and finances if one loses capacity. The document notes the process is lengthier and costly if a deputyship order is required instead of an LPA. It provides an overview of post-death services including obtaining grants of probate, preparing tax forms and estate accounts, and distributing assets. Finally, it discusses types of trusts including those used for land ownership and vulnerable persons.
Robson Hayes Legal Risks Associated with Will and Estate PlanningRobson Hayes
Do you feel you are at risk by keeping your wills and estate planning at delay? Have a look at this presentation shared by Probate WA Lawyer explaining the risks associated with wills and estate planning. Source: http://www.robsonhayes.com.au/the-risks-of-putting-off-your-will-and-estate-planning-until-its-too-late/
Transitional Property Investments (TPI) is a limited liability corporation (LLC) with decades of combined business and construction experience as well as investment property ownership and management. TPI seeks to provide high value, high quality, cost effective living and working environments across the communities in which we live and work while assuring profitability and sustainability for our lenders. TPI utilizes funds from our private lender network to locate, purchase and improve residential and commercial properties. Unlike traditional “flippers”, we prefer to hold and lease these properties to qualified businesses and/or individuals. With this strategy our lenders enjoy a higher, sustained return on investment for longer periods of time.
We pay a high simple interest premium to have funds readily accessible.
In Issue 12 of The OHL Wire, we look at how the rise in minimum wage affects you and what are the hidden costs of retirement villages in NSW. We also look at everything you need to know about estate administration. We discuss whether now is the right time to legalise same-sex marriage in Australia. We check out upcoming events in Sydney and invite you to attend a unique and entertaining activity, Mozart’s classic comedic opera - The Marriage of Figaro.
Altus financial estate planning - adam montanaAdamMontana
This document discusses personal succession planning and provides an overview of the process. It notes that many people do not have wills or succession plans in place. The succession planning process involves clarifying values and objectives, formulating an advice strategy, presenting a succession blueprint, and implementing the advice. It outlines how an accountant, financial adviser, and legal professional can work together to develop comprehensive estate plans that meet objectives and provide peace of mind.
An estate planning attorney in Alabama outlines the key differences between wills and trusts. Wills only control property that passes through probate, while trusts can control both probate and non-probate property if properly funded. While wills require court supervision during probate, trusts avoid this process but require more documentation and funding to remain effective over time. The attorney discusses various types of trusts used for disability and Medicaid planning. Overall, wills have lower upfront costs but take longer to administer an estate, while trusts are more complex but allow estates to pass privately without probate.
This document discusses estate planning essentials and strategies for 2020 and beyond. It outlines common estate planning mistakes like relying only on simple wills or joint accounts instead of proper planning. Key documents like powers of attorney, health care proxies, wills and revocable trusts are discussed. The benefits of revocable and irrevocable trusts are summarized. Estate and gift tax rules are reviewed for federal and Massachusetts law. Strategies for lifetime gifting, charitable giving, and planning for retirement accounts after the SECURE Act are provided. Recent impacts of the CARES Act on required minimum distributions are also covered.
This document discusses the duties and responsibilities of officers and directors of nonprofit organizations. It covers topics such as:
- The three primary characteristics of nonprofits being incorporated under state law, tax-exempt status, and governance by volunteers.
- How the Sarbanes-Oxley Act has impacted nonprofits by promoting governance reforms and policies around conflicts of interest, document retention, and whistleblowing.
- The fiduciary duties of officers and directors to act in the best interests of the organization, including duties of care, loyalty, and obedience.
- Attributes of good directors including listening skills, preparedness, and putting the organization's interests first.
- Conflicts of interest policies and the importance of
What Every Realtor Needs to Know about Estate Planning & Probate and Selling ...Paul Saba
This document provides an overview of the legal services offered by Stagnaro, Saba & Patterson, Co. L.P.A., a full service law firm. It discusses their practice areas, which include wills, trusts, estate planning, real estate, corporate law, and various types of litigation. It also provides brief summaries of probate processes, estate planning tools like powers of attorney and trusts, and estate and gift tax laws. Key details include how probate works, ways to avoid probate, an overview of intestacy laws, and the use of trusts and other strategies for asset protection and tax planning.
This document provides an overview of basic estate planning documents and concepts. It discusses wills, trusts, powers of attorney, living wills, probate, guardianships, and their purposes. Key points covered include how a will passes property according to instructions but requires probate, while a living trust avoids probate; and how powers of attorney can designate someone to handle financial and medical matters if one becomes incapacitated. The document also summarizes estate tax implications. Overall it serves to explain common estate planning tools and why having an up-to-date plan is important.
Probate is a legal process in which a will is being validated, and determine the inheritors to legally transfer the decedent's assets. https://www.unitedhousingsolutions.net/
The document describes an estate planning portfolio that provides customizable legal documents to help people plan their estate. It includes a revocable living trust, will, medical directives, financial and healthcare powers of attorney, and tools to transfer assets into the trust. The portfolio aims to make estate planning easy, affordable and provides ongoing access to the documents and ability to update them over time through an online document vault. It promises to give users control over their estate plan and reduce stress in knowing their wishes will be followed after death.
In an ideal world, retirement planning begins the moment you collect your first paycheck. However, life isn't linear, and many professionals find themselves in their 50s without a solid retirement plan in place. If you're reading this, it's possible you feel you're lagging in your retirement preparation. The good news? It's never too late to start or refine your retirement strategy.
The Role of Real Estate in Retirement Planning in Canada_edited.pptxSharp Asset Management
Real Estate is important for a diversified portfolio. Besides the great tax breaks, Canadian real estate helps diversify and protect your retirement portfolio.
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This document provides an overview of wills, trusts, and advanced directives. It defines key terms like gross estate, probate estate, and non-probate estate. It explains how assets outside of the will like life insurance and retirement accounts pass on. It also covers health care proxies, living wills, powers of attorney, and different types of trusts. The document emphasizes the importance of estate planning and working with an attorney to draft appropriate legal documents.
This document summarizes key legal documents and services related to estate planning and administration. It discusses the contents of wills, what happens without a will, powers of attorney, post-death services for executors and administrators, and types of trusts. Key points covered include who decides things if no will, choosing attorneys under powers of attorney, obtaining grants of probate or letters of administration, preparing estate accounts and distributions, and using declarations of trust or lifetime trusts to manage assets and protect beneficiaries.
1) Estate planning involves determining how to distribute one's assets after death through various legal means like a will, gifts during life, or intestacy laws.
2) Developing a sound estate plan involves ascertaining one's assets, determining how to distribute them among beneficiaries, and choosing appropriate legal methods like wills or trusts.
3) Strategies for effective estate planning include protecting asset value, maximizing amounts to heirs, minimizing costs and inconvenience, appointing capable executors, and naming guardians for minor beneficiaries.
This document provides information about estate planning documents and strategies. It discusses durable powers of attorney, health care proxies, living wills, probate vs. non-probate assets, trusts, guardianships, and intestacy. The key points are that everyone needs an estate plan to determine who receives assets and makes medical decisions; proper planning can avoid costs and ensure wishes are followed. It also warns that do-it-yourself plans can have unintended consequences, so consulting experts is recommended.
This document summarizes a seminar on achieving financial success. The seminar objectives are to recognize fundamentals for building wealth, identify factors leading to lower wealth accumulation among underrepresented groups, identify personal habits and values impacting financial futures, and create action plans for goals. The seminar discusses the importance of financial planning, controlling expenses, diversifying assets, and periodically reviewing goals and budgets. It provides tips for getting started with financial planning including understanding terminology, paying yourself first, and being ready for opportunities.
This document summarizes two current estate planning topics - tools for mental incapacity planning like enduring powers of attorney and representation agreements, and what happens to registered education savings plans (RESPs) at the death of the subscriber. It discusses the key features and considerations for each of these tools, such as who to appoint as an attorney or representative, when their powers become effective, and how to structure RESPs to avoid termination upon death through strategies like naming a successor subscriber or placing the RESP in a testamentary trust.
This document provides information on legal documents such as wills, lasting powers of attorney, trusts, and the process of estate administration. It outlines key components of wills including executors, beneficiaries, funeral wishes, guardians for children, and tax planning. It also describes lasting powers of attorney and how they can appoint attorneys to make decisions regarding health, welfare, and finances if one loses capacity. The document notes the process is lengthier and costly if a deputyship order is required instead of an LPA. It provides an overview of post-death services including obtaining grants of probate, preparing tax forms and estate accounts, and distributing assets. Finally, it discusses types of trusts including those used for land ownership and vulnerable persons.
Robson Hayes Legal Risks Associated with Will and Estate PlanningRobson Hayes
Do you feel you are at risk by keeping your wills and estate planning at delay? Have a look at this presentation shared by Probate WA Lawyer explaining the risks associated with wills and estate planning. Source: http://www.robsonhayes.com.au/the-risks-of-putting-off-your-will-and-estate-planning-until-its-too-late/
Transitional Property Investments (TPI) is a limited liability corporation (LLC) with decades of combined business and construction experience as well as investment property ownership and management. TPI seeks to provide high value, high quality, cost effective living and working environments across the communities in which we live and work while assuring profitability and sustainability for our lenders. TPI utilizes funds from our private lender network to locate, purchase and improve residential and commercial properties. Unlike traditional “flippers”, we prefer to hold and lease these properties to qualified businesses and/or individuals. With this strategy our lenders enjoy a higher, sustained return on investment for longer periods of time.
We pay a high simple interest premium to have funds readily accessible.
In Issue 12 of The OHL Wire, we look at how the rise in minimum wage affects you and what are the hidden costs of retirement villages in NSW. We also look at everything you need to know about estate administration. We discuss whether now is the right time to legalise same-sex marriage in Australia. We check out upcoming events in Sydney and invite you to attend a unique and entertaining activity, Mozart’s classic comedic opera - The Marriage of Figaro.
Altus financial estate planning - adam montanaAdamMontana
This document discusses personal succession planning and provides an overview of the process. It notes that many people do not have wills or succession plans in place. The succession planning process involves clarifying values and objectives, formulating an advice strategy, presenting a succession blueprint, and implementing the advice. It outlines how an accountant, financial adviser, and legal professional can work together to develop comprehensive estate plans that meet objectives and provide peace of mind.
An estate planning attorney in Alabama outlines the key differences between wills and trusts. Wills only control property that passes through probate, while trusts can control both probate and non-probate property if properly funded. While wills require court supervision during probate, trusts avoid this process but require more documentation and funding to remain effective over time. The attorney discusses various types of trusts used for disability and Medicaid planning. Overall, wills have lower upfront costs but take longer to administer an estate, while trusts are more complex but allow estates to pass privately without probate.
This document discusses estate planning essentials and strategies for 2020 and beyond. It outlines common estate planning mistakes like relying only on simple wills or joint accounts instead of proper planning. Key documents like powers of attorney, health care proxies, wills and revocable trusts are discussed. The benefits of revocable and irrevocable trusts are summarized. Estate and gift tax rules are reviewed for federal and Massachusetts law. Strategies for lifetime gifting, charitable giving, and planning for retirement accounts after the SECURE Act are provided. Recent impacts of the CARES Act on required minimum distributions are also covered.
This document discusses the duties and responsibilities of officers and directors of nonprofit organizations. It covers topics such as:
- The three primary characteristics of nonprofits being incorporated under state law, tax-exempt status, and governance by volunteers.
- How the Sarbanes-Oxley Act has impacted nonprofits by promoting governance reforms and policies around conflicts of interest, document retention, and whistleblowing.
- The fiduciary duties of officers and directors to act in the best interests of the organization, including duties of care, loyalty, and obedience.
- Attributes of good directors including listening skills, preparedness, and putting the organization's interests first.
- Conflicts of interest policies and the importance of
What Every Realtor Needs to Know about Estate Planning & Probate and Selling ...Paul Saba
This document provides an overview of the legal services offered by Stagnaro, Saba & Patterson, Co. L.P.A., a full service law firm. It discusses their practice areas, which include wills, trusts, estate planning, real estate, corporate law, and various types of litigation. It also provides brief summaries of probate processes, estate planning tools like powers of attorney and trusts, and estate and gift tax laws. Key details include how probate works, ways to avoid probate, an overview of intestacy laws, and the use of trusts and other strategies for asset protection and tax planning.
This document provides an overview of basic estate planning documents and concepts. It discusses wills, trusts, powers of attorney, living wills, probate, guardianships, and their purposes. Key points covered include how a will passes property according to instructions but requires probate, while a living trust avoids probate; and how powers of attorney can designate someone to handle financial and medical matters if one becomes incapacitated. The document also summarizes estate tax implications. Overall it serves to explain common estate planning tools and why having an up-to-date plan is important.
Probate is a legal process in which a will is being validated, and determine the inheritors to legally transfer the decedent's assets. https://www.unitedhousingsolutions.net/
The document describes an estate planning portfolio that provides customizable legal documents to help people plan their estate. It includes a revocable living trust, will, medical directives, financial and healthcare powers of attorney, and tools to transfer assets into the trust. The portfolio aims to make estate planning easy, affordable and provides ongoing access to the documents and ability to update them over time through an online document vault. It promises to give users control over their estate plan and reduce stress in knowing their wishes will be followed after death.
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In an ideal world, retirement planning begins the moment you collect your first paycheck. However, life isn't linear, and many professionals find themselves in their 50s without a solid retirement plan in place. If you're reading this, it's possible you feel you're lagging in your retirement preparation. The good news? It's never too late to start or refine your retirement strategy.
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Sharp Asset Management Inc. is an independent portfolio management firm that is 100% owner operated. We are not affiliated with any financial institution, securities firm or mutual fund company; as a result, our investment decisions are unbiased.
All of our investment counsellors are charter financial analysts, the highest level of achievement, and have over 10 years of experiencing managing portfolios. To learn more about investing with Sharp Asset Management, contact us today.
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If you live in Toronto or the Greater Toronto Area and are looking for an experienced team of CFAs to help with your asset and investing management, contact the private wealth management professionals at Sharp Asset Management.
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2. What Is Estate Planning?
• Estate planning encompasses all your
assets and liabilities.
• Assets include real estate, valuables,
personal possessions, and financial
assets.
• Financial assets cover bank accounts,
investments, life insurance, and business
funds.
• Estate is net worth minus liabilities
(unpaid bills, loans, taxes, etc.).
3. Components of an Estate Plan
An estate plan includes various elements:
• Distributing assets.
• Paying debts.
• Healthcare decisions.
• Key documents: will, power of attorney.
• Executor selection.
4. Choosing an Executor
• Executor is the person responsible for carrying out your will.
• Select someone you trust for this crucial role.
• No appointed executor leads to court involvement and potential
complications.
Creating a Will
• A will is a legal document that lays out your final wishes. The executor
is the person that carries out the wishes outlined in the will.
• Alarming statistic: Only 20% of Canadians over 55 have a will.
5. Assigning Power of Attorney (POA)
• A POA grants someone legal authority to manage your finances if you
can't."
• POA responsibilities: Paying bills, managing finances, interacting with
professionals. You can have more than one POA.
Creating a Living Will
• A living will, also called a personal directive, empowers a caregiver
for healthcare decisions.
• Critical decisions, including life support, organ donation, and
palliative care.
• Different from POA, it focuses solely on healthcare choices.
6. Estate Planning Checklist for Seniors
• Take inventory of assets
• Name beneficiaries in investment accounts, pensions, and insurance
policies
• Create a will
• Plan and prepay your funeral
• Give out gifts while alive
• Review the plan every three-to-five years
• Consider an impartial executor for complex assets or family dynamics
7. Contact us
21 Greenwin Village
Road, Toronto, Ontario,
M2R 2R9
416-722-9009
contact@sharpasset.com
P.O BOX 74539
Humbertown Centre,
270 The Kingsway
Toronto, ON M9A 5E2
www.sharpasset.com