The document is a newsletter from the law firm MendenFreiman llp celebrating its 15th anniversary. It discusses several tax planning strategies clients should consider before the end of 2012, when income and estate tax rates as well as exemptions are scheduled to increase substantially unless Congress acts. It recommends that clients establish various irrevocable trusts now to take advantage of current favorable tax laws and transfer wealth. It also stresses the importance of including digital assets and social media accounts in estate planning.
1) Ray Coffman introduces some leadership changes for DAMA Chicago, welcoming new VP of Online Services Dan Murphy and VP of Information Services Mike Miller, who will update the chapter website.
2) The newsletter announces the February 15th meeting featuring presentations on dimensional modeling and EDW conferences, as well as future meetings on metadata repositories and big data.
3) Members are encouraged to renew their memberships, and the chapter is expanding its online presence through social media like Twitter and LinkedIn.
The document provides tips on prescreening contractors from real estate investor Robyn Thompson, including checking contractor references on page 10, evaluating 8 key factors to consider when hiring a contractor, and noting that hiring the right contractor is important to avoid cost overruns and poor work that can jeopardize rehab projects. The document also includes information on upcoming MAREI events and membership benefits.
MendenFreiman LLP - Attorney at Law Magazine - Law Firm of the MonthMendenFreiman LLP
MendenFreiman LLP is a boutique law firm specializing in business formation, representation and transactions, and estate planning. The firm was founded in 1997 by George Menden and Lawrence Freiman. Both partners have extensive tax, accounting, and legal backgrounds. The firm prides itself on providing complex legal solutions and excellent client care. They often handle intricate matters involving business structures, estate planning, and tax issues. MendenFreiman strives to fully understand each client's unique situation in order to create tailored strategies and maximize outcomes.
El documento habla sobre las partes principales de un motor de automóvil. Explica que el motor es la parte más importante ya que sin él el vehículo no se movería. Describe que la culata es la parte superior del motor donde se alojan las válvulas y que el empaque de culata sella la culata con el block del motor para evitar fugas entre cilindros.
The document summarizes information about St Mary Major church in Fuente Urbel, Spain and discusses Celtic Christian influences. It notes that the church represents the final victory of Christian Roman culture over Celtic symbolism. It also discusses Celtic traditions like Samhain and Celtic gods like Dagda and Cú Chulainn. In addition, it mentions that Celtic Christian rituals continue today in the services at St Mary Major church.
1) Ray Coffman introduces some leadership changes for DAMA Chicago, welcoming new VP of Online Services Dan Murphy and VP of Information Services Mike Miller, who will update the chapter website.
2) The newsletter announces the February 15th meeting featuring presentations on dimensional modeling and EDW conferences, as well as future meetings on metadata repositories and big data.
3) Members are encouraged to renew their memberships, and the chapter is expanding its online presence through social media like Twitter and LinkedIn.
The document provides tips on prescreening contractors from real estate investor Robyn Thompson, including checking contractor references on page 10, evaluating 8 key factors to consider when hiring a contractor, and noting that hiring the right contractor is important to avoid cost overruns and poor work that can jeopardize rehab projects. The document also includes information on upcoming MAREI events and membership benefits.
MendenFreiman LLP - Attorney at Law Magazine - Law Firm of the MonthMendenFreiman LLP
MendenFreiman LLP is a boutique law firm specializing in business formation, representation and transactions, and estate planning. The firm was founded in 1997 by George Menden and Lawrence Freiman. Both partners have extensive tax, accounting, and legal backgrounds. The firm prides itself on providing complex legal solutions and excellent client care. They often handle intricate matters involving business structures, estate planning, and tax issues. MendenFreiman strives to fully understand each client's unique situation in order to create tailored strategies and maximize outcomes.
El documento habla sobre las partes principales de un motor de automóvil. Explica que el motor es la parte más importante ya que sin él el vehículo no se movería. Describe que la culata es la parte superior del motor donde se alojan las válvulas y que el empaque de culata sella la culata con el block del motor para evitar fugas entre cilindros.
The document summarizes information about St Mary Major church in Fuente Urbel, Spain and discusses Celtic Christian influences. It notes that the church represents the final victory of Christian Roman culture over Celtic symbolism. It also discusses Celtic traditions like Samhain and Celtic gods like Dagda and Cú Chulainn. In addition, it mentions that Celtic Christian rituals continue today in the services at St Mary Major church.
The document summarizes the Veterans Retraining Assistance Program (VRAP) which provides up to 12 months of retraining assistance for unemployed veterans. It details eligibility criteria including being between 35-60 years old and discharged under honorable conditions. It also explains that the VA will provide funding for approved training programs that lead to an associate degree, certification, or non-college degree in a high-demand field. The Department of Labor will provide employment assistance both for veterans who complete or do not complete the retraining program.
Is Your Dealership Structured for Maximum Advantage?MendenFreiman LLP
This document summarizes the services provided by a law firm for auto dealers, including business and tax law services as well as wealth protection, transfer, and legacy planning. The law firm represents both new and established dealerships on issues such as dealership agreements, purchases and sales, succession planning, and tax planning. They assist dealership clients and their families with estate planning through wills, trusts, and estate administration to protect clients' legacies.
This document summarizes key points about maintaining separate corporate identities to protect personal assets from business liabilities. It discusses how courts can pierce the corporate veil if certain formalities are not followed, such as keeping adequate records, avoiding commingling of funds, properly capitalizing the business, and not committing fraud. It provides tips for LLC owners such as having multiple members and maintaining annual registrations. The rest of the newsletter discusses how much wealth high-net-worth individuals leave to children and the firm's move to a new office.
Is Legal Representation the Piece That is Missing in Your Business?MendenFreiman LLP
We often take our clients through their entire business cycle from start-up, to growth, maturity and ultimately to a sale that results in their financial freedom.
This document is a list of 10 questions for a lawyer about protecting one's family, business, and future. It summarizes upcoming changes to tax law at the end of 2012 and advises taking action before then to avoid higher taxes. It warns that ignorance of the law is no excuse, outlines liability for underage drinking, and advises considering business structure and contracts carefully. The document stresses planning ahead with a lawyer to avoid legal and financial problems.
Jay and Vonda supported the annual Toy Run in January. Throughout the year, CIA welcomed new employees, expanded to a new office, and helped communities impacted by storms. Jay and Marc Shepherd filmed a new TV commercial in the fall. CIA participated in local community events throughout the year. In summary, 2012 was a successful year for CIA where they provided support, expanded their operations, and engaged with their communities.
The document summarizes the history of human rights in Des Moines, Iowa from the establishment of the Human Rights Commission in 1951 through recent events. It discusses early leaders who promoted racial integration and equal opportunity. It outlines key milestones in addressing discrimination in employment, housing, education, and for immigrants, refugees, people with disabilities, and the LGBTQ community. The document highlights individuals and communities who have played pivotal roles in advancing human rights and equality.
The document appears to be floor plans and details for a proposed high-rise apartment building. Key aspects include tall trees planned on the west and east portions for shading, a central courtyard for light and ventilation, use of sustainable materials like recycled wood, and passive cooling techniques like planters and overhangs. Energy efficient appliances and insulation methods are also noted.
The document provides an overview of a proposed vocational training centre to be located in Una, India. It includes a site context analysis, describing the local population, economy, climate and available resources of Una Taluka. It also provides a floor plan layout for the proposed training centre, showing various training rooms, workshops, offices and other functional spaces. Sustainable design strategies are noted, such as use of natural ventilation, indoor plants, and green building materials. The training centre aims to utilize local resources and serve the needs of the surrounding community.
This document is an advertisement for the accounting firm Weyrich Cronin & Sorra. It emphasizes that the firm provides close personal attention to clients to understand their goals and help them achieve financial success. It contrasts this personalized service with other accounting firms. The firm also stresses its community involvement and wide range of accounting, tax, and financial services for businesses and individuals.
This document is an advertisement for the accounting firm Weyrich Cronin & Sorra. It emphasizes that the firm provides close personal attention to clients to understand their unique needs and goals in order to help them achieve financial success. It contrasts this personalized approach with other accounting firms that may not know their clients as well. The firm also stresses that it stays up to date on tax law changes and uses the latest technology and accounting knowledge to benefit clients.
TAG Alliances 2017 Annual Review - "Amplify"TIAG_Alliance
TAG Alliances is comprised of the leading professional alliances, TAGLaw®, TIAG® and TAG-SP™. Our global and multidisciplinary reach encompasses 290+ members who employ 16,000 lawyers, accountants, and other professional service providers in over 100 countries.
We are excited to share with you our 2017 Annual Review, which highlights our community's successes and achievements.
TAG Alliances 2017 Annual Review - "Amplify"TAG Alliances
TAG Alliances is comprised of the leading professional alliances, TAGLaw®, TIAG® and TAG-SP™. Our global and multidisciplinary reach encompasses 290+ members who employ 16,000 professionals in over 100 countries.
We are excited to share with you our 2017 Annual Review, which "amplifies" our community's successes and achievements.
HomeTown Lenders is a leading mortgage lender that has grown to over 325 employees across branches from Florida to Colorado. The company emphasizes hiring and retaining high-quality employees and branches in order to provide the best platform for success. HomeTown Lenders also supports a nonprofit organization called Mission Firefly that provides aid to villages in Guatemala, allowing employees to give back through service trips. The company's focus on people, growth, and community involvement has helped it thrive while many competitors have struggled.
Download the newest edition of the CLA Promise Report, highlighting some of the inspiring initiatives and activities that you have contributed to — and our focus for the year to come.
Tommy taylor a day in the life of version for online Jacky Rawlinson
Tommy spent the day visiting various teams within the company, interacting with employees and observing their work. He provided feedback, advice and support while also learning about their challenges and opportunities. It was clear that Tommy aims to know all staff personally and ensure open communication and teamwork across the company. His message is that individual and team success are interconnected.
Realty411 Magazine - Your FREE Resource for Real Estate Wealth!! Realty411 Magazine
Are you interested in growing your wealth? Learn why 7 out of 10 millionaires around the world made their money with the best investment of All Time: Real Estate!! The Top Leaders in the Industry share their tips, techniques and strategies in this magazine, read it today!
This document provides information about career opportunities at BDO, an accounting firm. It highlights that accounting work involves variety and color due to the diverse clients and industries served. BDO seeks candidates with diverse talents and personalities to match the diversity of clients. The document summarizes various roles in audit, tax, advisory, and risk and advisory services and emphasizes that work involves client interaction, teamwork, and opportunities for growth.
The document provides information about career opportunities at BDO, an accounting firm. It highlights that their work involves advising diverse businesses, so they seek a diverse range of talents from their employees. The document profiles some recent graduates who joined BDO and describes the variety of qualifications, experiences, and personalities among the firm's employees. It also summarizes several of the main service lines offered at BDO, including audit, advisory, and tax services.
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REAL ESTATE- Create more clients in 30 DaysDawn Doherty
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The document summarizes the Veterans Retraining Assistance Program (VRAP) which provides up to 12 months of retraining assistance for unemployed veterans. It details eligibility criteria including being between 35-60 years old and discharged under honorable conditions. It also explains that the VA will provide funding for approved training programs that lead to an associate degree, certification, or non-college degree in a high-demand field. The Department of Labor will provide employment assistance both for veterans who complete or do not complete the retraining program.
Is Your Dealership Structured for Maximum Advantage?MendenFreiman LLP
This document summarizes the services provided by a law firm for auto dealers, including business and tax law services as well as wealth protection, transfer, and legacy planning. The law firm represents both new and established dealerships on issues such as dealership agreements, purchases and sales, succession planning, and tax planning. They assist dealership clients and their families with estate planning through wills, trusts, and estate administration to protect clients' legacies.
This document summarizes key points about maintaining separate corporate identities to protect personal assets from business liabilities. It discusses how courts can pierce the corporate veil if certain formalities are not followed, such as keeping adequate records, avoiding commingling of funds, properly capitalizing the business, and not committing fraud. It provides tips for LLC owners such as having multiple members and maintaining annual registrations. The rest of the newsletter discusses how much wealth high-net-worth individuals leave to children and the firm's move to a new office.
Is Legal Representation the Piece That is Missing in Your Business?MendenFreiman LLP
We often take our clients through their entire business cycle from start-up, to growth, maturity and ultimately to a sale that results in their financial freedom.
This document is a list of 10 questions for a lawyer about protecting one's family, business, and future. It summarizes upcoming changes to tax law at the end of 2012 and advises taking action before then to avoid higher taxes. It warns that ignorance of the law is no excuse, outlines liability for underage drinking, and advises considering business structure and contracts carefully. The document stresses planning ahead with a lawyer to avoid legal and financial problems.
Jay and Vonda supported the annual Toy Run in January. Throughout the year, CIA welcomed new employees, expanded to a new office, and helped communities impacted by storms. Jay and Marc Shepherd filmed a new TV commercial in the fall. CIA participated in local community events throughout the year. In summary, 2012 was a successful year for CIA where they provided support, expanded their operations, and engaged with their communities.
The document summarizes the history of human rights in Des Moines, Iowa from the establishment of the Human Rights Commission in 1951 through recent events. It discusses early leaders who promoted racial integration and equal opportunity. It outlines key milestones in addressing discrimination in employment, housing, education, and for immigrants, refugees, people with disabilities, and the LGBTQ community. The document highlights individuals and communities who have played pivotal roles in advancing human rights and equality.
The document appears to be floor plans and details for a proposed high-rise apartment building. Key aspects include tall trees planned on the west and east portions for shading, a central courtyard for light and ventilation, use of sustainable materials like recycled wood, and passive cooling techniques like planters and overhangs. Energy efficient appliances and insulation methods are also noted.
The document provides an overview of a proposed vocational training centre to be located in Una, India. It includes a site context analysis, describing the local population, economy, climate and available resources of Una Taluka. It also provides a floor plan layout for the proposed training centre, showing various training rooms, workshops, offices and other functional spaces. Sustainable design strategies are noted, such as use of natural ventilation, indoor plants, and green building materials. The training centre aims to utilize local resources and serve the needs of the surrounding community.
This document is an advertisement for the accounting firm Weyrich Cronin & Sorra. It emphasizes that the firm provides close personal attention to clients to understand their goals and help them achieve financial success. It contrasts this personalized service with other accounting firms. The firm also stresses its community involvement and wide range of accounting, tax, and financial services for businesses and individuals.
This document is an advertisement for the accounting firm Weyrich Cronin & Sorra. It emphasizes that the firm provides close personal attention to clients to understand their unique needs and goals in order to help them achieve financial success. It contrasts this personalized approach with other accounting firms that may not know their clients as well. The firm also stresses that it stays up to date on tax law changes and uses the latest technology and accounting knowledge to benefit clients.
TAG Alliances 2017 Annual Review - "Amplify"TIAG_Alliance
TAG Alliances is comprised of the leading professional alliances, TAGLaw®, TIAG® and TAG-SP™. Our global and multidisciplinary reach encompasses 290+ members who employ 16,000 lawyers, accountants, and other professional service providers in over 100 countries.
We are excited to share with you our 2017 Annual Review, which highlights our community's successes and achievements.
TAG Alliances 2017 Annual Review - "Amplify"TAG Alliances
TAG Alliances is comprised of the leading professional alliances, TAGLaw®, TIAG® and TAG-SP™. Our global and multidisciplinary reach encompasses 290+ members who employ 16,000 professionals in over 100 countries.
We are excited to share with you our 2017 Annual Review, which "amplifies" our community's successes and achievements.
HomeTown Lenders is a leading mortgage lender that has grown to over 325 employees across branches from Florida to Colorado. The company emphasizes hiring and retaining high-quality employees and branches in order to provide the best platform for success. HomeTown Lenders also supports a nonprofit organization called Mission Firefly that provides aid to villages in Guatemala, allowing employees to give back through service trips. The company's focus on people, growth, and community involvement has helped it thrive while many competitors have struggled.
Download the newest edition of the CLA Promise Report, highlighting some of the inspiring initiatives and activities that you have contributed to — and our focus for the year to come.
Tommy taylor a day in the life of version for online Jacky Rawlinson
Tommy spent the day visiting various teams within the company, interacting with employees and observing their work. He provided feedback, advice and support while also learning about their challenges and opportunities. It was clear that Tommy aims to know all staff personally and ensure open communication and teamwork across the company. His message is that individual and team success are interconnected.
Realty411 Magazine - Your FREE Resource for Real Estate Wealth!! Realty411 Magazine
Are you interested in growing your wealth? Learn why 7 out of 10 millionaires around the world made their money with the best investment of All Time: Real Estate!! The Top Leaders in the Industry share their tips, techniques and strategies in this magazine, read it today!
This document provides information about career opportunities at BDO, an accounting firm. It highlights that accounting work involves variety and color due to the diverse clients and industries served. BDO seeks candidates with diverse talents and personalities to match the diversity of clients. The document summarizes various roles in audit, tax, advisory, and risk and advisory services and emphasizes that work involves client interaction, teamwork, and opportunities for growth.
The document provides information about career opportunities at BDO, an accounting firm. It highlights that their work involves advising diverse businesses, so they seek a diverse range of talents from their employees. The document profiles some recent graduates who joined BDO and describes the variety of qualifications, experiences, and personalities among the firm's employees. It also summarizes several of the main service lines offered at BDO, including audit, advisory, and tax services.
The scope of work outlines renovations for a 2 bedroom, 1 bathroom single family home including repainting, new flooring, kitchen and bathroom remodels, plumbing and electrical work, landscaping, and ensuring all work is up to code. Renovations include replacing appliances, fixtures, flooring, and installing new countertops, backsplash, and tile surround in the bathroom. The contractor will complete all demolition, repairs, renovations and ensure the property meets housing standards upon project completion.
REAL ESTATE- Create more clients in 30 DaysDawn Doherty
This document provides an introduction to a marketing system for real estate professionals called "Create More Clients in 30 Days". It discusses the importance of commitment, developing a memorable impression through self-expression and values, and creating consistent contact with prospects and clients. Statistics are presented on business failure rates and the need to follow up multiple times with contacts. The system teaches skills for goal-setting, developing a unique value proposition, networking, and sample sales conversations. Worksheets are included in an appendix to help users apply the concepts.
The document provides tips for effective and efficient networking, recommending focusing on quality over quantity by getting clear on yourself and your goals, showing up authentically aligned with who you are, and investing in your most valuable connections rather than just adding more contacts. The nine steps discussed are: know yourself, know what you want, show up aligned with that, focus on quality connections, engage with curiosity, provide value first, follow up consistently, ask for referrals appropriately, and express gratitude.
This document is Latham & Watkins' 2014 Pro Bono Annual Review. It highlights the firm's commitment to pro bono work under the leadership of retiring Chair and Managing Partner Robert Dell. In 2014, the firm's lawyers and staff provided over 170,000 hours of pro bono legal services, valued at over $105 million. The review showcases several of the firm's impactful pro bono practices in areas such as asylum, veterans' rights, human trafficking, education, and more. It recognizes Robert Dell's pivotal role in developing Latham's top-tier pro bono program over his 20-year tenure.
The document provides an overview of Latham & Watkins' 2014 pro bono efforts, including:
- The firm provided over 170,000 hours of pro bono legal services in 2014, with over 1,800 lawyers participating.
- Offices around the world engaged in pro bono work focusing on issues like asylum/immigration, human trafficking, veterans' rights, education, and more.
- Specific matters mentioned include representing Holocaust survivors, advising social entrepreneurs, assisting victims of human trafficking, and supporting education reform efforts.
This document is a letter from the president and CEO of Funeral Directors Life Insurance Company (FDLIC) to employees discussing the past year.
The key points are:
1. FDLIC had a record year financially in 2009 despite the poor economy, with every month setting new sales records.
2. The president felt called to give back to God for guiding the company successfully through difficult times, so implemented a "Sabbath Year" for employees to take 10% of the year off for rest and renewal.
3. Staying the course through prioritizing responsibilities, committing to long-term goals, and focusing on strengths like being a great place to work helped the company succeed where
The document discusses two longtime employees at The Buntin Group who are retiring after decades of service - art director Bill Holley after 47 years and media director Peggy Owen after 18 years. It notes their significant contributions to the agency and impact on others, with Bill Holley mentoring many young creatives and Peggy Owen guiding media planning, buying, and stewardship of client dollars. The document also mentions the Buntin Group kickball team that has raised money for charity through an annual game for the past six years.
LinkRP Solutions is a financial consultancy that was started in 1992. It started as an executive recruiting firm, but over time, provided strategic consulting and capital raising for small and medium sized businesses across Canada.
Imagine What Your Business Would Be Like If:
• More sales came in every day because you had a trained sales and marketing team that did it better than you
• You were selling to happy customers that referred your business
• Your company was growing more and more each day
But you were working less and less as that happened
The entire process, start to finish, is one phone call and one proposal.
After 1 year: your business will change to a profitable machine that builds real wealth After 3 Years: you will be making 2x the profit you are now
Within 5 Years: you will be able to sell your businesses for tens of millions of dollars.
La Quinta executives Wayne Goldberg and Rajiv Trivedi discuss the history and culture of La Quinta hotels. They explain how La Quinta has grown from 270 properties in 2000 to over 800 today through franchising. The focus on guests and partnerships with franchisees has helped drive strong growth and satisfaction scores. New programs like "Here For You" and installing HD TVs in all rooms reflect La Quinta's commitment to the guest experience.
Reboot Podcast #7 - The Relationship between Depression and Entrepreneurship?...rebootio
After years of rapid growth and expansion, followed by a serious year of depression, Rand Fishkin, founder and former CEO of Moz, found himself in a room surrounded by VC backed CEO’s and entrepreneurs where the question was posed: “How many of you struggle seriously with depression or severe anxiety or emotional issues?” He watched almost every person raise their hand. It’s shocking how universal depression is in startups. For anyone struggling with depression, it’s helpful to know you’re not alone. In this podcast, which is slightly different than past episodes, Jerry converses with Rand about his experience - his “loop,” how shame and guilt are at times his driver, the importance of understanding one’s emotional state, and how he’s made progress in coming out of his own depression, including his one piece of advice for entrepreneurs or anyone dealing with their own depression.
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The MendenFreiman Advisor - September 2012
1. T he M enden F reiman
A Report on Legal Issues Affecting
Privately-Held Businesses and Personal Wealth
Volume 1, Issue 1 2012 September 2012
In This Issue:
• Celebrating Fifteen Years of Service
• Attend Our October Workshop CELEBRATING 15 YEARS
• Tax Planning Strategies for 2012
• state Planning Today Must Include Digital
E
Assets and Social Media
When a firm is established with the right
people, principles and values, successful
growth is the natural result of hard work.
The year 2012 is a milestone for our firm Our story began when Larry Freiman
and I first crossed paths profession-
as we celebrate fifteen years of service ally in 1993. He made such a strong
impression on me that, four years
representing closely-held businesses, later, when my solo practice had
grown to the point where I wanted to
and providing estate planning, estate add a partner, I immediately thought
of Larry.
administration and wealth transfer planning. continued page 2
2. 15th Anniversary Celebration continued • have participated in life-changing
We
The Ten Things
transactions, worked with clients and
I wanted a partner with the “right stuff”, their advisors who have become our
someone with the right practice experi-
ence, planning creativity, entrepreneurial
friends, and solved problems that
seemed insurmountable. I Wish I Had
spirit, leadership qualities and practice
values. I found those qualities, and more,
• see great accomplishments when
We
we look back at the ground we have
Asked My Lawyer
in Larry. At the same time, Larry was looking covered over 15 years. Please join us for our next complimentary
for an opportunity to build a firm that paid • see greater things in the future as
We workshop where we will discuss how to
attention to the business itself as well as we look ahead. identify and protect your legal blindspots.
the practice of law and one that tapped As we begin our sixteenth year, and on tuesday, october 23, 2012 -
into his entrepreneurial side. And so, behalf of everyone at MendenFreiman llp, the ravinia club
together in 1997, we launched what would we thank you for the opportunity you Two Ravinia Drive
become MendenFreiman llp. have given us to serve your business,
Suite 100
We have come a long way since it Atlanta, GA 30346
your family and your future. We look
was just Larry, myself, a paralegal and forward to continuing to serve you in
a secretary. As the firm has grown (we
23
october
the years to come.
are 17 strong now), our capabilities have
increased. We have so much to celebrate.
2012
• have fulfilled our vision for providing
We
excellence in all that we do. registration: 11:30 a.m.
• are proud of our people, the quality
We presentation and luncheon:
of the work they do, and our collective George Menden 12:00 – 2:00 p.m.
expertise. Founding Partner Limited Seating. Reserve your place now.
rsvp: Please respond to Candice Wheeler at
770.559.5595 or register online at
RSVP Now for Our October Workshop! www.mendenfreiman.com/estate-planning-workshops.php
Making 2012 Count: the case for new taxes
The U.S. government is spending a lot
Now is an Extraordinary
more money than it is taking in, creating
the largest deficits in our history. The
projection for 2012 is:
Time to Implement Tax U.S. Tax Revenue .............................. $ 2,310,000,000,000
Planning Strategies U.S. Government Spending ............ $ 3,614,000,000,000
New Debt .......................................... $ 1,303,000,000,000
National Debt ................................... $15,114,000,000,000
Recent Federal Budget Cuts .......... $ 385,000,000,000
The next four months are an exceptional deductions and valuation adjustments will
window of opportunity for you to make soon be eliminated or limited. People who These are staggeringly large numbers. It’s
family wealth transfers. The federal gift understand this situation will be well posi- easy to lose sight of their meaning because
and estate tax exemption is $5,120,000 and tioned to take full advantage of this estate there are so many zeros at the end of each
both income tax rates and interest rates are planning opportunity while it lasts. one. But if you drop eight of the zeros and
at the lowest point in a generation. With In this article, we will explore how the consider this to be the budget for a young
federal deficit spending also at record current deficit spending is making the case family or single adult, the numbers take
levels, tax and interest rates seem sure to to increase taxes, what you can expect in on real meaning:
rise. Unless the President, the Senate, and 2013 unless the President, the Senate, and
the House of Representatives all agree the House of Representatives all agree Annual Income ........................................................ $23,100
otherwise, income and estate taxes will otherwise, and how you can use advanced Money Spent............................................................. $36,140
increase dramatically on January 1, 2013. irrevocable trusts now to take advantage New Credit Card Debt ............................................$13,030
There is also the risk that long-used of this opportunity and save income and Outstanding Credit Card Debt ............................ $151,140
planning strategies such as charitable estate taxes. Total Budget Cuts...................................................... $3,850
page 2 T he M enden F reiman A dvisor
3. Both are train wrecks waiting to happen.
Spending is more than 150% of income,
yet budget cuts planned are less than 17%
of income. Talk about “Another day older
and deeper in debt”!
For the federal government, it seems
that either deeper budget cuts will have to
be made or income…in the form of taxes
…will have to increase. The federal gov-
ernment can also print more money, which
will eventually lead to inflation.
taxes…now and in four months
In 2012, the federal estate, gift, and genera-
tion-skipping transfer tax (GSTT) exemp- exemption to $1,000,000; 35% rate to income and estate taxes including the
tions are all $5,120,000 and the tax rate on 55% rate). 2503(c) Minor’s Trust, Gifting Trust,
any excess is 35%. Unless the President, the •
The most favorable estate/gift tax we Family Bank Trust, Health and Education
Senate, and the House of Representatives have ever had will be gone ($5,120,000 Exclusion Trust (HEET), Intentionally
all agree otherwise, on January 1, the estate exemption to $1,000,000; 35% rate to Defective Grantor Trust (IDGT), Inheritor’s
and gift exemptions will drop to $1,000,000 55% maximum rate, plus a 5% surcharge Trust, Life Insurance Trust, and Split-
and the GSTT exemption will drop to on estates/cumulative gifts between Interest Charitable Trusts as well as other
$1,390,000 plus an adjustment for 2012 $10,000,000 and $17,184,000). irrevocable trusts that you can establish
inflation and the tax rate on any excess will •
Interest rates, now at lows not seen in now that have purposes other than saving
start at 45% and increase to a 55% maxi- our lifetimes (2% overall, 1.4% AFR for income and estate taxes. These include
mum rate, plus a 5% surcharge on estates/ intra-family gifts), will almost surely Special Needs Trusts and Retirement
cumulative gifts between $10,000,000 and increase. Trusts (Stand Alone).
$17,184,000. In addition, the estate and gift •
Charitable deductions, now fully To learn more about these and other
tax “portability” provision will expire. deductible, may be limited to those in a trust options including a variety of
Unless the President, the Senate, and 28% income tax bracket. Grantor Trusts and wealth transfer
the House of Representatives all agree •
Long-term capital gain rates will in- strategies, visit the MendenFreiman
otherwise, taxes on income, dividends, and crease from 15% to 20%. website at www.mendenfreiman.com/
long-term capital gains will also increase •
Dividend rates will increase from 15% to estate-planning-resources.php and
on January 1. In addition, a new 3.8% ordinary income rates, which can be as download the complete article.
healthcare surcharge will go into effect for high as 43.6%.
married taxpayers with adjusted gross Valuation adjustments for family control
• conclusion
income (AGI) of $250,000 or more ($200,000 limited partnerships and limited Our very favorable planning time—with
or more for single taxpayers). Here’s a liability companies may be legislated favorable interest rates, estate/gift taxes
chart to show the income tax rate change: or regulated away. exemptions and rates, full charitable
deductions, low capital gains and divi-
Ordinary Income dend rates, and available strategies — is
Long-Term Gains Short-Term Gains very likely to end on December 31, 2012.
2012 2013 2012 2013
The person who understands the various
irrevocable trusts explained here and the
Top Federal Tax 15% 20.0% 35% 39.8% urgency to implement their plans during
Healthcare Surcharge 0% 3.8% 0% 3.8% the balance of 2012 is in a unique position
Total 15% 23.8% 35% 43.6% to save substantial estate and income taxes.
To comply with the U.S. Treasury regulations,
we must inform you that (i) any U.S. federal
Unless the President, the Senate, and Planning Tip: Complete your planning
tax advice contained in this newsletter was not
the House of Representatives all agree before the end of 2012 to take advantage
intended or written to be used, and cannot be
otherwise, your favorable tax planning of this unique planning window. used, by any person for the purpose of avoiding
window will close in January: U.S. federal tax penalties that may be imposed
irrevocable trusts can help on such person and (ii) each taxpayer should
•
The most favorable estate/gift tax we There are a wide variety of irrevocable seek advice from their tax advisor based on the
have ever had will be gone ($5,120,000 trusts that you can use now to help save taxpayer’s particular circumstances.
V olume 1, I ssue 1 page 3
4. Estate Planning Today
Must Include Digital
Assets and Social Media
It wasn’t very long ago that we had only and social media know-how) to step in for
paper for financial and tax records. We you, provide that person with access, and
could simply point to a file cabinet or provide some direction for what you want
drawer and tell someone, “Everything is to happen to these assets.
in there when the time comes.” But now Listing your digital assets by category
we have computers and the Internet, and (hardware, software, social media/online
so much of our lives is online. Unless we presence, online accounts) will help make
include our digital assets and social media the task less daunting. Next to each one,
in our estate planning, our family or add user names, passwords, PIN numbers
administrator may not be able to find and the site’s domain name. Keep this
critical documents. list in a safe place and tell your successor
For example, if you scan documents or where it is. (Do not store it unprotected
receive financial statements electronically, on your computer; if it is stolen, the thief
someone else may not even know these would have all of your passwords. If
exist. If you use a program like Quicken or you store it on your computer, password
Quickbooks and tax preparation soft- protect the file and give that information
ware, those records are on your computer. to your successor.) Closing down accounts that are no longer
Facebook pages, blogs, email accounts and Think about what you want to happen needed will help to protect your family from
photos stored digitally on a computer or to these assets. For example, if you have a identity theft after you are gone. The person
an online account would certainly have website or blog and you want it to continue, you name as your successor will need a
special meaning to your family. you need to leave instructions for keeping death certificate to do this. Consider naming
Much of this information is password it up or having someone take it over and this person as a co-trustee or co-executor
protected. Unless we make arrangements continue it. If a site is currently producing with responsibilities limited to this area to
in advance, family members or administra- or could produce income (e-books, pho- give them legal authority to act for you.
tors may not be able to access these and tography, videos, blogs), make sure your Yes, this will take some time and
the information could be lost forever. successor knows this. If there are things on thought. But, just like “other” estate
Estate planning for digital assets and your computer or hard drive that you want planning, the more we can do now to put
social media accounts is similar to estate to pass on (scanned family photos, ancestry things in order, the easier it will be for our
planning for other assets. You need to research, a book you have been writing), families later.
make a list of what you have and where it put them in a “Do Not Delete” folder and
is located, name someone (with computer include it on your inventory list. MendenFreiman llp 2012
Dedicated to the growth, protection and transfer of businesses and estates,
MendenFreimanLLP has been providing a practical and cost-sensitive approach
to estate tax and business legal problem-solving for fifteen years. Known for
its compassion and creative solutions, the firm has an exceptional track record
MCMXXII
of successful results when dealing with some of life’s most difficult challenges.
H M A NA
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Services include Estate Planning, Wills and Trusts, Estate Administration
LEGAL ELITE
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Two Ravinia Drive, Suite 1200, Atlanta, GA 30346 www.mendenfreiman.com
Phone: (770) 379-1450 | Fax: (770) 379-1455