If...

You are married & your estate is over $2,000,000 or you are single, widowed or divorced & your estate exceeds $1,000,000, the planning you do today will determine how much your loved ones share with Uncle Sam tomorrow.

While estate taxes are a political issue and the rates and schedules can be changed by Congress at anytime, its a generally accepted assumption that the larger estates will not escape taxation upon transfer to the next generation. So you can either try and outguess Congress and base your actions on what laws you anticipate will be in effect the day you die or you can plan now to avoid inevitable problems in the future.

Here Are Your Options, You can...

• Do nothing
  
• Borrow to pay taxes
  
• Use estate reduction or freezing techniques
  
• Utilize survivorship life insurance to cover costs.