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Estate Planning


Protect Income and Assets for Your Heirs: Attorney legal services potentially lower tax risk.
Everyone has an estate so thereby everyone needs to create an estate plan. The significant culmination of assets or the responsibility of having minor children may increase the importance of having an estate plan. But the lack of assets or minor children does not negate the basic need to express ones wishes at one’s demise. To make them known and ease one’s passing from both an economic and emotional standpoint for the people we have left behind.

Estate planning is the process where by one arranges for the disposal of an estate. Estate planning looks to achieve the efficient transfer of assets from one spouse to another, one generation to another or from an individual to another entity that will create a legacy that represents that individual’s wishes. It can also be a process where a person’s wishes/ desires and control can be carried out past the grave, thereby ensuring the continued care of family, organizations or ones life’s work. Estate planning looks to do all this in a manner that is both efficient from a tax and an investment standpoint. Estate planning also is the creation of legal documents that will allow other people to help you when you cannot currently or permanently help yourself. At its most basic an estate plan is the legal arrangements of ones affairs and the final legal epitaph of one’s life.

To that end we at the Connecticut Institute of Finance will work closely with your attorney to make sure that your financial, tax, insurance and cash flow planning are in harmony with your estate plan. If you do not have an estate planning attorney, our firm would be privileged to recommend Attorney John Massih. Attorney Massih will be happy to meet with you to discuss your estate planning needs for a complimentary meeting at our office. Attorney Massih can be contacted by calling our office directly or by visiting his website at http://www.connecticutestateplanninglaw.com.

We at the Connecticut Institute of Finance believe there are a set of five structured schematics that create the foundation of a financial plan. This pentagon of plans consist of cash flow planning, investment planning, insurance planning, tax planning and finally estate planning. Let us help you fit all the pieces together so that we can help you and your family becomes Healthy, Wealthy and Wise.
“Everyone must leave something behind when he dies . . . Something your hand touched in some way so your soul has somewhere to go when you die . . . It doesn't matter what you do, so long as you change something from the way it was before you touched it into something that's like you after you take your hands away.”

                                                                                               - Ray Bradbury, Fahrenheit 451
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Securities offered through American Portfolio Financial Services Inc., member FINRA/SIPC
Advisory services offered through American Porfolios Advisor - An SEC registered investment advisor. 
Connecticut Institute of Finance, Sound Asset Management Group, LLC and American Portfolio Financial Services Inc. are separate
companies.     *Insurance services offered through Crump Group, Inc.     **Legal services provided in CT by Massih Law LLC. 
*** Bellara & Associates
****Diversification does not assure or guarantee better performance.     *****Asset allocation does not
  assure or guarantee better performance and cannot eliminate the risk of investment losses. 

† American Portfolios Financial Services, Inc. (APFS) does not provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purposes of avoiding penalties that may be imposed by law. Each tax payer should seek independent advice from a tax professional based on his/her individual circumstances.

 


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