Are you prepared for what may come next? By having an estate plan, your wealth can help secure your family’s financial future and support the charities, organizations and causes that matter to you.

At Investco Financial, we can help you create an estate plan to map out how your estate and assets will be distributed upon your death. Your estate plan reflects your unique needs, wants and wishes. It can help:

• Keep a business, property or cherished asset in the family

• Protect assets and help others make decisions on your behalf

• Provide ongoing management of your affairs

• Minimize the tax burden for those inheriting your wealth

• Fulfill your philanthropic goals and create your personal legacy

Safeguard your estate

Without proper planning, the value of your assets could be reduced by a hefty tax bill. While the tax bill may be relatively low today, it may increase over time as your assets do. Your estate may not have enough liquid assets or cash on hand to pay this bill and may have to decide which assets to sell to fulfill the obligation.

Prepare for future estate costs

Life insurance may help leave your estate intact. It is the most cost-effective method of funding the tax liability associated with transferring your assets when you die. A policy benefit offers immediate and tax-free liquidity to help meet other estate obligations, which may include probate and settlement costs.

Is a trust right for you?

Many people use a trust to control their assets now and provide for professional management if they become incapacitated. Establishing and managing a trust can be a complex process, so we’ll guide you through your choices. We’ll show you different scenarios and trade-offs—then help you connect the dots to make more informed choices.

Trust features and benefits

• Flexibility  – Trusts can be customized to your specific circumstances.

• Control and continuity – Trusts are binding legal documents and your instructions must be followed—while you are living, if you become incapacitated and after you die.

• Privacy – Trusts can help confirm the smooth transition of your assets and the privacy of your affairs.

• Tax efficiency – Trusts may help you and your beneficiaries avoid or minimize gift taxes, estate taxes or generation-skipping transfer taxes.

Wealth protection solutions

Have confidence knowing you, your family and your legacy are protected. Including life insurance in your estate plan can help you grow your wealth and pass it on with less risk.

Wealth preservation

Trusts and thoughtful planning can help you address concerns about protecting assets in the event you become incapacitated, providing for retirement or protecting your family’s inheritance.

Wealth transfer

Transfer wealth from one generation to the next with a trust. You may also use a trust to distribute your assets to intended heirs and causes you want to support. Let us help you create your desired legacy.

Charitable giving

Your financial advisor can work with you to create a living legacy in your estate plan to provide for your loved ones and favorite organizations for generations to come.