Nobody wants their family to bear any financial hassles when they aren't around to take care of them. But the harsh truth is, the other guarantee in life, other than death, is taxes, which can eat away at your estate's value. In some cases, it can leave your loved ones with little or no inheritance. Below are some suggestion to help preserve as much of it as possible.

	Life insurance can pay off capital gains tax provide funding to your favorite charity with significant tax benefits for either you or your estate and much more.

There are many insurance solutions but perhaps the most basic step is to begin estate planning with one of our Advisors.

Our advisors will discuss your will, your goals for distribution and point out options where taxes can be minimized or even avoided.

Universal Life
Universal life insurance is the most flexible life insurance available, encompassing the combination of permanent life insurance protection with a flexible portfolio of investment options. It also gives you the flexibility to change the frequency and amount of premiums. Choose the amount of life insurance you require now and change it later as your needs change.

Whole Life
Whole Life Insurance can be used it to pay final expenses, debts, and any owing estate taxes so more of it's easily transferred to your heirs. It can also build cash surrender values and provide a guaranteed death benefit, which is paid tax free to the named beneficiary.

Segregated Funds
Similar to mutual funds, these offer a direct way to pass your investments to family and other beneficiaries by bypassing delays, costs of probate and estate fees, and for part or all of your capital investment from market downturns.

To find out which of these may be right for you, or to explore other options, contact one of our Advisors or Send us an e-mail.

Learn more about :

• Universal Life
• Whole Life
• Segregated Funds