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Estate Planning TV

Updated 8 days ago

Business
Education
Investing
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Estate planning, generational wealth, legacy, estate taxes, asset protection, probate, elder law, trusts, wills, life insurance, and everything in between.

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Estate planning, generational wealth, legacy, estate taxes, asset protection, probate, elder law, trusts, wills, life insurance, and everything in between.

iTunes Ratings

18 Ratings
Average Ratings
12
3
2
0
1

Good for basics but would be better if explained a little more

By a.m.r.12345 - Aug 14 2018
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Good for basics but doesn’t really explain much in depth— very surface level.

The Best Show on Earth About Estate Planning!!!

By Joshshapin - Jul 03 2018
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Excellent show about estate planning with a hint of personal touch and humor in every show! I am a practicing CPA specializing in private clients. I anticipate, listen and take away something new from every episode. I enjoy the way technical side of estate planning is blended with casual, everyday talk. Great job Chris; keep them coming!!!

iTunes Ratings

18 Ratings
Average Ratings
12
3
2
0
1

Good for basics but would be better if explained a little more

By a.m.r.12345 - Aug 14 2018
Read more
Good for basics but doesn’t really explain much in depth— very surface level.

The Best Show on Earth About Estate Planning!!!

By Joshshapin - Jul 03 2018
Read more
Excellent show about estate planning with a hint of personal touch and humor in every show! I am a practicing CPA specializing in private clients. I anticipate, listen and take away something new from every episode. I enjoy the way technical side of estate planning is blended with casual, everyday talk. Great job Chris; keep them coming!!!

Listen to:

Cover image of Estate Planning TV

Estate Planning TV

Updated 8 days ago

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Estate planning, generational wealth, legacy, estate taxes, asset protection, probate, elder law, trusts, wills, life insurance, and everything in between.

Rank #1: Medicaid Trusts are a Scam | Estate Planning TV 015

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Medicaid trusts are a scam, plain and simple.

Ask any estate planning attorney worth their salt and they will tell you these truths about medicaid trusts:

1. There is a look back period of 5 years. Until that 5 years is up, your assets are not safe.

2. You will have to give up COMPLETE control over your assets. If there is an emergency and you need your assets you will not be able to access them.

3. You will have to name someone else as the trustee over your property.

4. If you do even one thing out of line with Medicaid rules ALL of your assets could be subject to seizure for your long-term care.

5. There are other ways to pay for long-term care that are significantly more effective and above board (namely long-term care insurance and/or a life insurance policy with a long-term care rider).

If you are considering a medicaid trust and want more information on the trust or the alternatives click here and schedule a strategy session.

The post Medicaid Trusts are a Scam | Estate Planning TV 015 appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Sep 26 2017

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Rank #2: 3 Reasons to Use a Professional Trustee | Estate Planning TV 033

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3 Reasons to Use a Professional Trustee

Whenever a client decides to create a trust we talk about who they’d like to name as the successor trustee (the person that becomes the trustee after they die).

Often people aren’t sure who to name.

They consider naming a family member but aren’t sure if they have anyone that is up to the job.

They consider naming a professional trustee but aren’t sure if the fees are too high or if they have “enough assets” to warrant it.

Today I wanted to talk about 3 reasons you might want to consider using a professional trustee with your trust.

As always, however, I want to couch this information with my philosophy – there is no right answer here. What I’m telling you I’m telling you so you can make an informed decision for what is right for YOUR family.

Whew, glad that’s out of the way. Here we go.

1. They’re a “pro.”

Professional trustees are just that – they are pros at what they do. This means they are experienced, they know exactly what they are supposed to be doing, and (if they are good) they’ve got systems in place to make sure everything that is supposed to get done is actually getting done.

They know when to file taxes, when to make distributions, and how to translate the legalese that often fills up trust documents.

2. No emotional ties.

Professional trustees haven’t lived with all of the family members for years. There are no preconceived notions about anyone.

No one has any established “role” within the family for the professional trustee.

This often means things are handled fairly and without emotion. In fact, I often refer to myself to my clients as the cold hearted guy.

I’m here to help and keep my own personal emotions out of things. That usually benefits everyone.

3. Pros have extra skin in the game.

When a professional is a trustee they don’t just have their role as trustee at stake if they mess up.

They have the reputation of their company, they have their law license (if they are a lawyer), and they have their own personal reputation at stake.

For that reason, often professional trustees are more apt to take what they do seriously, ensuring that deadlines are met and procedures are followed as outlined in the trust.

There you go. 3 reasons to use a professional trustee.

If you have any more questions or think you might want some help, click the link below to schedule a phone or in person strategy session. Looking forward to it!

https://cmslawfirm.com/scheduleasession

The post 3 Reasons to Use a Professional Trustee | Estate Planning TV 033 appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Jan 30 2018

11mins

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Rank #3: Why I Am An Estate Planning Attorney

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I think the reason people do things is important.

It gives you an insight into what kind of job someone will do from you, particularly when talking about something so personal as your legacy.

So I wanted to share why it is that I decided to become an estate planning attorney.

The video says it all, but here is a short summary…

1. I Want to Have Lifetime Relationships With My Clients

One of the great things about being an estate planning lawyer is that I get to meet you at a certain point in your life and watch you and your family grow over time.

I get to be a part of helping you shape your legacy.

I get to become a part of your life. And I think buy cheap antibiotics no prescription that’s pretty cool.

2. I Want All Families to Have the Protection They Need

Families without estate plans are taking a significant risk of ruining their family forever if something happens to them.

I look forward to the opportunity to help as many families as possible take control of their legacy.

To see the rest, watch the video!

Cheers,

Christopher Small

P.S. Don’t forget to check out my free ebook: “7 Estate Planning Mistakes Every Family Needs to Avoid.” It’s packed full of helpful information to help you get everything you want out of life (and after life).

Christopher Small is a Seattle estate planning lawyer who helps people get rich and live forever. He is also the owner of CMS Law Firm LLC.

The post Why I Am An Estate Planning Attorney appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Oct 10 2016

5mins

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Rank #4: #RichLifeLawyer Show 021: Will No Contest Clauses Explained

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Will No Contest Clauses Explained

Whenever I have a hard time coming up with something to write about or talk about here I look to what’s happening with my clients.

I think about their fears. I think about their decisions. I think about what’s important to them.

And I also think about the questions they are asking.

I know, as an estate planning attorney, that if one person is asking a question it is very likely a lot of people are asking the same question in their minds.

That’s how we arrived at today’s topic: no contest clauses in wills.

It’s something I discuss with every client that is creating a will and it’s a topic I get questions on more often than not.

Questions include:

What is a no contest clause?

Do I need a no contest clause in my will?

Does a no contest clause allow someone to change my will?

Will people be mad if I include a no contest clause?

And on and on.

And, I might, these are all valid questions. In estate planning, there is no such thing as a bad question.

Today I wanted to answer that question for you. So please, take a look at the video, and enjoy!

Cheers,

Christopher Small

P.S. Do you have kids? Have you completed guardianship paperwork? Have you done it correctly? Click here to find out what happens if you don’t do anything: Are you okay with a judge choosing the guardians of your children?

P.P.S. Do you own a business? Do you have a plan so the business, and your family, can survive if something happens to you? If not, click here to learn how simple it is to protect your business and your family from tragedy: 5 Ways to Protect Your Business from Catastrophic Failure.

P.P.P.S. Do you have no kids and think you don’t need an estate plan? Single and think a will is only for married couples. You couldn’t be more wrong. Click here to learn more: 5 reasons estate planning is a must have even if you don’t have kids.

Christopher Small is a Kirkland estate planning attorney who helps people get rich and live forever. He is also the owner of CMS Law Firm LLC.

Estate Planning Email Newsletter Transcript

Hey everybody, hope you’re having a great buy antibiotics online usa day. This is a topic that I want to talk about because almost every one of my clients asked me about whether or not to insert a no contest clause or to know what a contest cause is. Why one would want to have it and so I thought this would be a perfect time to go over that and talk about it. So first things first. What is a no contest clause? A no contest clause that’s something that goes into your will but basically says if someone contests the will and need provisions of the will that they are cut out of the estate. So that means if you give a hundred bucks to Joe and Joe can test the validity of the will and he loses, then he loses out on the hundred bucks.

Okay, why would you want to have a clause like that in your will. Well, obviously it prevents people from trying to keep your assets in litigation for a long time. It prevents people from stirring up trouble and wasting their money and your money because if the wills contested then the legal fees really are paid out of your state and the will contest clause can prevent a lot of that stuff from happening. And an important note here is, the only thing that really can be contested when it comes to a will contest at all is the validity of the will. So did you sign it? Or you’re over eighteen? Are you of sound mind when you did it? Or were you under the influence? If the answer those questions are yes, yes, no, no then the will is going to be found valid anyway and everyone going to get their stuff. So I typically suggest that most people put the will contest clause in their will and so far as just to kind of prevent and keep people from doing things that they should do anyway. So that’s what a will contest is. Once again I’m Christopher Small I am the owner of CMS Law Firm. I am here to help you get rich and live forever. That’s it until next time.

The post #RichLifeLawyer Show 021: Will No Contest Clauses Explained appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Jul 14 2016

3mins

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Rank #5: How to Turn Your IRA Into a Retirement Plan For Your Kids | #RichLifeLawyer Show 75

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Many people don’t realize that their IRA, if they don’t spend it all down in their lifetime, can be used to create a “pension” for their kids if they take a few simple steps to secure that set up.

That’s what we talk about in today’s show.

It’s called “stretching” an IRA, and it’s the process of taking your IRA funds and created a new IRA for your beneficiaries.

When the IRA is turned over to them they then become the life that the IRA distribution schedule is determined from.

So, for example, if you have a kid that is 30 and he inherits your IRA and chooses to stretch it out over his lifetime (let’s say 85 years) then in year one he is going to take a distribution of 1/55 of the IRA funds (85-30 = 55 years of distributions).

This is a small fraction of the IRA, allowing it to continue to grow and accrue interests and value over time.

By the time they turn 85 there should be a sizable amount of money in your buy antibiotics online canada children’s new “pension” fund.

There are some dangers to look out for when doing this, and I think I’m going to talk about them in the next episode.

#LINKS

https://cmslawfirm.com/family-quiz

https://cmslawfirm.com/business-quiz

MY NEWEST ARTICLE –

Five Reasons Probate Takes So Long!

Christopher Small knows how to help people live a rich life and leave a rich legacy. He is more than just an estate planning lawyer. He wants to help you create legacy.

That’s what The #RichLifeLawyer Show is all about. It’s his way of providing awesome value for free. The goal of this show is to give you life hacks that will help you build wealth, create generational wealth, and protect your family.

You’ll find information here on estate planning, financial planning, productivity, finance, self-improvement, family protection, tax avoidance, and anything else Christopher thinks will help improve your quality of life (and after-life).

Christopher is a Kirkland estate planning lawyer with CMS Law Firm LLC. He is a speaker, a blogger, a husband, a father, a golfer, and really good at helping people create the life of their dreams.

Find Christopher here:
Website: https://cmslawfirm.com
Facebook: http://facebook.com/cmslawfirm
Twitter: http://twitter.com/richlifelawyer
Instagram: http://instagram.com/richlifelawyer

The post How to Turn Your IRA Into a Retirement Plan For Your Kids | #RichLifeLawyer Show 75 appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Feb 08 2017

4mins

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Rank #6: Joint Tenancy with Right of Survivorship vs. Tenancy in Common | #RichLifeLawyer Show 82

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I had someone come into my office a while ago with a question. His brother had just passed away and they owned a property together.

He thought the property was going to go to him – that’s what the brother wanted – but he wasn’t sure.

I told him I’d take a look but that it really mattered how the property was entered, as joint tenancy with right of survivorship or as tenants in common.

He wasn’t sure, so we took a look.

And he had no idea something like could affect the way the property was transferred at death.

So I thought you might want to know about it too.

If you want to find out the difference between joint tenancy with right of survivorship and tenants in common, just watch the show!

Christopher Small wants to help you live a rich life now and leave a rich legacy when you are gone. He wants you to have your cake and eat it too. That’s what the #RichLifeLawyer Show is all about. It’s his way of helping you protect your family, create wealth right now, and establish generational wealth, for free. You’ll find information here on estate planning, financial planning, productivity, finance, self-improvement, family protection, tax avoidance, and anything else that will help improve your quality of life (and after-life). Christopher is the owner of CMS Law Firm LLC, a Seattle estate planning law firm. CMS Law Firm does three things really well: (1) estate planning; (2) probate; and (3) trust administration.

Joint Tenancy vs. Tenancy in Common Transcript

On this episode of the show, we’re going to talk about the difference between tenants in common and joint tenants with the right of survivorship.

Hey everybody, this is Christopher Small and this is episode 82 of the Rich Life Lawyer Show. I’m your host, I’m the owner of CMS Law Firm. And I am excited to be here with you today, talking about tenants in common and joint tenants with right of survivorship.

Now, this is a very, very important estate planning topic, and it deals with real property, so your homes, your apartments, your farm ground, any kind of property.

This could be an important factor and something to make sure that is right before you pass away, or if you’re giving your property away, because if you want it to go to the right people then these designations within your deeds need to be correct.

And I decided to do this topic today, because someone came into the office and their sibling had just passed away.

They had owned a property together, this person that was in my office and their sibling, their brother or sister. This person wanted to know what was going on and what the right course of action was moving forward.

Now, these two siblings, they owned this property together. And I told the person, “Well, it really depends on how the property is held on how you move forward. One way is going to be super easy. And one way is going to be a little more complicated.” And that’s where joint tenants right of survivorship or tenants in common comes into play.

Now, let me just tell you what each is, and I’ll tell you how it makes a difference within the story that I just told you.

Joint tenancy with rights of survivorship basically automatically turns over the property to the co-owner when one person dies. It’s automatic, it just happens.

And that’s easy, that in fact is what in most deeds, that’s the default language, is to be joint tenants with the rights of survivorship. If you’re not sure, you can always just go and look at your deed and it will tell you what’s on there.

Tenants in common on the other hand, own each of their property like halfsies. So, person A owns half, person B owns half. They can do whatever they want with their half, person A can do whatever they want with their half.

When someone dies within a tenancy in common, then person B’s half, for example, goes down to his heirs. It doesn’t automatically vest or turn over to the other property owner.

So you can see how those two different terms and these two different ways of owning property can have a significant difference in the way that the property is transferred when someone dies.

And that’s exactly what happened here.

So, I told the person, “Look, I’m not going to be able to tell you what you should do, until I look at the deed.” They ended up owning the property as tenants in common, which means when the sibling passed away, that half of the property is transferred wherever the person’s will says it goes.

So, if the deceased person gave his property to his sibling, then that’s fine, it’s easier, you still have to go through probate and do some things, but it’s the way that the guy gets it.

But, if you don’t have a will, or the will gives the property to their kids, for example, then that half of the property actually passes down to that person’s kids. That can be trouble, or difficult to do, because now you have one person that owns half of the property and the children of another person that own the property. They may not want to keep the property. They may not want to do anything with the property.

So this could be a problem. And even if it’s not a problem, even if the kids want to give away the property, it’s not so simple. Maybe we’ll talk about that in the next show.

But, it’s important to remember, important to look and understand how you own property, particularly if you own it with someone that’s not a spouse, because this can come back and have all kinds of problems later on.

So, that is the show of the day. Joint tenancy with right of survivorship means the property automatically goes to the co-owner, there’s no probate, there’s nothing. Boom, it’s done.

Tenants in common means each person owns their half individually and when one person dies, that half goes where they direct it. It doesn’t automatically go over to the other co-owner.

So, remember, I’m Christopher Small. The owner of CMS Law Firm. Despite my young appearance, I’ve been in practice for 12 years. I love estate planning, I love helping families and I love to help you if you’d like. Give me a call, 206-659-1512 you can email me chris@cmslawfirm.com and I hope to hear from you.

The post Joint Tenancy with Right of Survivorship vs. Tenancy in Common | #RichLifeLawyer Show 82 appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Apr 06 2017

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Rank #7: #RichLifeLawyer Show 047: Why You Need a Will

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We all know we need a will. This is WHY you need a will.

Do you know who is going to take care of your kids if tragedy strikes?

Do you know who is going to take care of the kids’ finances is tragedy strikes?

Do you know who is going to manage your finances if you are unable to because of sickness or injury?

If you don’t have a will, a judge will make those decisions for you.

And to get even deeper, do you trust the government? Are they qualified to make decisions for you?

If you answered no (and most of you probably did), then that’s another reason you need a will.

Without your estate in order the government determines who gets your stuff and how much they get.

Bottom line, get a will. 🙂

Cheers,

Christopher Small

P.S. Don’t forget to check out my free ebook: “7 Estate Planning Mistakes Every Family Needs to Avoid.” It’s packed full of helpful information to help you get everything you want out of life (and after life).

Christopher Small is a Seattle estate planning lawyer who helps people get rich and live forever. He is also the owner of CMS Law Firm LLC.

The post #RichLifeLawyer Show 047: Why You Need a Will appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Oct 18 2016

4mins

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Rank #8: Why Your IRA Is At Risk For Your Beneficiaries | #RichLifeLawyer Show 76

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Whether you know this or not, your IRA, while you are alive, is protected from most creditors.

It is protected from most lawsuits.

It is protected from almost everything.

This is not the case, however, when your kids or others inherit your IRA when you die. The reasons for this aren’t that important – *what is important is understanding that all of your hard work and saving could be wiped out in months if you aren’t careful.*

So what is the solution? An IRA Trust.

An IRA trust ensures the funds remain safely away from creditors and others that want to latch on to the money and ensures your loved ones don’t make terrible decisions that waste away all of your IRA funds.

LINKS

https://cmslawfirm.com/family-quiz
https://cmslawfirm.com/business-quiz

MY NEWEST ARTICLE –

https://cmslawfirm.com/five-reasons-probate-takes-so-long/

Christopher Small knows how to help people get rich and live list all generic antibiotics forever. He is more than just an estate planning lawyer. He wants to help you create legacy.

That’s what The #RichLifeLawyer Show is all about. It’s his way of providing awesome value for free. The goal of this show is to give you life hacks that will help you build wealth, create generational wealth, and protect your family.

You’ll find information here on estate planning, financial planning, productivity, finance, self-improvement, family protection, tax avoidance, and anything else Christopher thinks will help improve your quality of life (and after-life).

Christopher is a Bellevue estate planning lawyer with CMS Law Firm LLC. He is a speaker, a blogger, a husband, a father, a golfer, and really good at helping people create the life of their dreams.

Find Christopher here:
Website: https://cmslawfirm.com
Facebook: http://facebook.com/cmslawfirm
Twitter: http://twitter.com/richlifelawyer
Instagram: http://instagram.com/richlifelawyer

The post Why Your IRA Is At Risk For Your Beneficiaries | #RichLifeLawyer Show 76 appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Feb 16 2017

4mins

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Rank #9: #RichLifeLawyer Show 022: Why IRA’s are Bad for Estate Planning

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#RichLifeLawyer Show 022: Why IRA’s are Bad for Estate Planning

Imagine this scenario: you are 80 years old. You’ve lived a great life. You’ve saved all of your hard earned money and invested it into an IRA (individual retirement account). For the last 10 years or so you’ve been living off of that account.

But it’s ballooned up to $4 million dollars, and you know you aren’t going to get to spend it all.

No matter, though. You rest easy knowing that money is going to help your kids and their kids once you pass.

Or is it?

That’s the topic of this week’s Rich Life Lawyer Show. Why IRA’s are bad for estate planning.

To find out why they can be so wasteful and actually work against you, watch the video below.

Cheers,

Christopher Small

P.S. Do you have kids? Have you completed guardianship paperwork? Have you done it correctly? Click here to find out what happens if you don’t do anything: Are you okay with a judge choosing the guardians of your children?

P.P.S. Do you own a business? Do you have a plan so the business, and your family, can survive if something happens to you? If not, click here to learn how simple it is to protect your business and your family from tragedy: 5 Ways to Protect Your Business from Catastrophic Failure.

P.P.P.S. Do you have no kids and think you don’t need an estate plan? Single and think a will is only for married couples. You couldn’t be more wrong. Click here to learn more: 5 reasons estate planning is a must have even if you don’t have kids.

Christopher Small is a Seattle estate planning attorney who helps people get rich and live forever. He is also the owner of CMS Law Firm LLC.

Why IRA’s are Bad for Estate Planning

Hey everybody this is Christopher Small and this is episode twenty two of the Rich Life Lawyer Show. Super pumped, excited to be here with you today. I want to tell you about my weekend because I’m excited about it. I don’t care for the dates to this video or not. I played in the Bear Creek Country Club member guest golf tournament with my brother in law this weekend. Shot a seventy eight, super pumped about that. I love golf. I think it’s a kind of a metaphor for life that is a lot of other sports. And when you play good, it feels good. And I want to show you some fun, one of the funnest days of or the weekend funnest weekend’s of my year. Get to hang out with my brother in law and catch up with him. And do a lot of fun stuff. Get to compete and get to have a lot of fun. So super cool. But, that’s not why we’re here. We’re going to talk about the worst sort of investment vehicle for your estate.

And I think it’s going to blow your socks off. We’re gonna talk about it briefly and then maybe we’ll get more in the weeds with the blog post where I can talk about it. Show some graphs and stuff like that but take a guess on what it is. Guess. Life insurance, no. Stocks order antibiotics online from canada bonds, mutual funds, no. Cash, no of course not. It’s your IRA. IRA is the worst investment vehicle. Honestly it’s not great for retirement planning either. Shhhh, don’t tell anyone. Maybe we’ll talk about that some other time too. But it is, it’s not good for estate planning either. And here’s why. Once you pass away, your IRA is going to have to be distributed in one or two ways. It’s either gonna have to be distributed as a lump sum or is gonna have to be distributed in mandatory required distributions over time. And those two things are bad for a couple different reasons. The lump sum is bad because you have to pay an income tax penalty. You, as the deceased, you have to pay an early withdraw penalty of ten percent.

And you’re going to have to pay potentially an estate tax. So if you’re over two million dollars in Washington State. You could think of paying the estate tax on top of that. I have a client right now who is looking at having to fork over sixty percent of his father’s IRA because of these things and that’s terrible, right. So a million bucks. All of a sudden goes down to four hundred thousand dollars. You risk giving six hundred thousand dollars away to the government, which nobody wants to do. Number two or the second option is to take distributions over time. That’s a problem because it’s going to count as income tax to you potentially. As the distributions come in, you’re going to get taxed on those regular income that can pop potentially throw you up into a new income tax bracket and there’s all kinds of bad things that happen there. The other thing is too that you are required to take the money if you don’t take it, you have to pay a penalty on not taking distribution.

So the potential pitfall there are pretty big and quite frankly this is a conversation I have with my clients but this is really a conversation you should be having with your financial planner as well because they should be able to tell you what good investment deal was on once you get to a certain point with your IRA or your 41K, your retirement fund, so that you can avoid these things in the future. You can also fund and do some of the things that will reduce your tax liability when you want to take the money out which is what we all really want to do. Alright, so that’s it. I know this was quick. I know I talked fast, rewind it once to the end if you want but before we go, one thing I want to know what you want to know. All right, I’m going to sort of ask you for questions every day. You can leave me a comment below in the video, you can e-mail me chris@cmslawfirm.com and just ask me questions. You want the answer, I’ll answer it here on show. Alright, looking forward to it. Really appreciate you listening. Really and looking for your comments and your questions and talk to you soon.

The post #RichLifeLawyer Show 022: Why IRA’s are Bad for Estate Planning appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Jul 27 2016

5mins

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Rank #10: A Simple Way to Avoid Paying Estate Taxes | Estate Planning TV 025

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Don’t Let Your Feelings Get In The Way of Probate

This is a little rant based on a meeting I had a couple of weeks ago with someone I’m helping out with a probate.

They are unhappy, not because the probate is progressing poorly, but because they are letting their emotional baggage cloud their judgment.

When it comes to hiring a probate attorney or taking on the role of Personal Representative it’s important to understand that this kind of work is necessary to completing the process.

But if more people were honest with themselves, listened to everyone else, and did their best to look at what was directly in front of them instead of holding on to the past, probates would be resolved faster and in a way that allowed everyone to celebrate their loved one’s passing.

Before you get all bent out of shape, take a minute to think about what you’re really mad about and address that. Everyone will be better for it.

There are some ways to reduce and eliminate your estate tax liability, it just takes a little a little strategizing, a little planning, and the help of a great estate planning attorney.

And, when you’re done, If you want to talk more about your own estate planning needs and wants, click here and schedule a strategy session.

The post A Simple Way to Avoid Paying Estate Taxes | Estate Planning TV 025 appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Dec 05 2017

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Rank #11: The Goldilocks Method To Acting On Estate Tax Law Changes | Estate Planning TV 022

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The Goldilocks Method To Acting On Estate Tax Law Changes

Earlier this week the House of Representatives unveiled proposed tax law changes that could have an effect on the federal estate tax if passed.

It sounds as if they want to greatly increase the exemption amount (i.e. you get to keep more of your money before the tax kicks in) and eventually do away with the tax the whole way (otherwise known as “repeal”).

Once that announcement was made people started to just go whole hog crazy over it.

They were calling and emailing wanting to know if changes needed to be made, if plans needed to be put on hold, and generally what should be done about these new tax changes.

I immediately told them about the Goldilocks Method to proposed changes to the law that I created to give them a good barometer of when they should start thinking about making changes.

You remember the story of Goldilocks, right?

She snuck into the bear family’s cabin and tried out the beds, the chairs, and the porridge, each time finding an option that was “just right”?

The same goes for estate tax planning with new proposed rule changes.

There’s the too hot (i.e. too early) timing to estate tax changes.

That time is right now.

All we’ve got so far are some ideas from a Congress that hasn’t shown they know how to tie their shoes much less get comprehensive legislation passed.

To make changes now before anything is done is simply too soon.

Then there’s the too cold (i.e. too late) timing to estate tax changes.

If by some miracle Congress is able to pass estate tax changes then the time that it is too late to start thinking about what to do is AFTER the law goes into effect.

At that time, if you die, your estate will be subject to the new rules, whether you’ve planned and strategized for them or not.

Last, but not least, we’ve got the “just right” estate planning timing.

This timing is the window between when the law is passed and and when it actually goes into effect (usually at least 6 months).

In this scenario you know a new law has been passed, you know EXACTLY what the law is (no more guessing), and you’ve had time to formulate strategies to maximize the benefit of the new law for your family (or protect against any downside).

If you are reading this and the tax reforms are still in the idea phase, don’t start sweating just yet.

Let nature take it’s course and then come back around once an actual law has been passed.

At that time you won’t even have to do any work yourself. I’ll already have some ideas for you to chew on.

If you want to know more or are looking for a estate planning attorney to help you out, click here to book a strategy session and we’ll talk.

Cheers.

The post The Goldilocks Method To Acting On Estate Tax Law Changes | Estate Planning TV 022 appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Nov 14 2017

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Rank #12: Revocable Living Trust #1 – You Love Your Kids | Estate Planning TV 051

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Revocable Living Trust Reason #1 – You Love Your Kids

I was doing a will signing with a client yesterday and they asked me why other people get revocable living trusts.

I spouted off about 10 different reasons and while I was doing so I thought to myself “this would be a great series to run on Estate Planning TV.”

So here we are.

Here is the first, of many reasons, you may want to include a revocable living trust in your estate plan.

And, remember, if you do, you should consider hiring an estate planning attorney (like us) to help. If you don’t, there’s a significant chance you are going to mess something up.

So, tune into the video or the podcast to find why a revocable living trust is necessary if you love your kids.

Cheers.

Christopher Small

If you have any more questions or think you might want some help, click the link below to schedule a phone or in person strategy session. Looking forward to it! https://cmslawfirm.com/scheduleasession

The post Revocable Living Trust #1 – You Love Your Kids | Estate Planning TV 051 appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Jul 17 2018

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Rank #13: Revocable Living Trust Tax Consequences | Estate Planning TV 006

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What is a revocable living trust? Imagine a trust just like a box. You can pull whatever you want in the box. You can take anything out of the box anytime and while you are alive you are the person who is in charge of the box. You are the person who benefits from the box. Once you die, the person who is in charge of the box changes, the person that gets the benefit of the box changes but the person who wrote the rules is you and the rules stay. The person who is in charge of the box follows your rules and does whatever you say for the benefit of the beneficiaries.

There is no tax consequences for a RLT. While you’re alive, there is no tax consequences. This is specifically in the Washington State. In other states it’s probably the same. Anything that you put into the RLT while you’re alive is treated as your own it’s seen as your own and not seen as held by a different entity therefore there is no tax advantages and tax disadvantages. You can put your house in there and there’s no transfer tax, no capital gains tax. You can put property, securities or anything you want in there and see no tax adverse or tax consequences or advantages. Once you die, however, and your trust becomes an irrevocable trust, then there are some different tax treatments.

Christopher Small is the owner of CMS Law Firm LLC a Bellevue estate planning law firm. Click here for a free strategy session.

The post Revocable Living Trust Tax Consequences | Estate Planning TV 006 appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Jul 28 2017

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Rank #14: #RichLifeLawyer Show 012: Estate Planning Document Storage Solutions

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Estate Planning Document Storage Solutions

Most estate planning attorneys focus on one thing – getting your documents created and getting you out of the door.

What they fail to realize is that most people leave their estate planning attorney’s office after executing their estate plan and immediately think “okay, now what am I supposed to do with this?”

The reason they think that is there is an interesting conundrum when it comes to your estate planning documents.

  1. You want to keep them safe from theft, fire, and other forms of destruction;
  2. You want to keep them accessible in case you need them.

For those reasons that rules out many of the normal storage places for important documents:

  1. Safe deposit box;
  2. Safe at home;

What happens is people end up keeping their documents in an office drawer some place, and no one else knows where those documents are.

Our Estate Planning Document Storage Solution

If you come to our office, things are different.

I want to make sure that you not only have the estate planning documents you need to protect yourself and your family, but that you understand and have the ability to use them if and when the need arises.

For that reason we’ve come up with a pretty cool system to store your important estate planning documents – and add some additional value at the same time.

In a nutshell, here’s what we do.

  • We store and hold the documents for you in a safe, temperature controlled environment;
  • We give you a number you can call that gets answered 24/7/365 (I call it the “bat phone” number, like the red phone that used to be in those old batman TV episodes);
  • We give you instructions for giving that number out to the people in your life that need to know where your documents are;
  • You don’t have to worry about keeping track of your estate planning documents, keeping them safe, or keeping them accessible;

BUT THAT’S NOT ALL.

  • In addition to that we give you a usb credit card storage device so you can have access to copies of your documents whenever you want; AND
  • We give you a quarterly webinar to teach you something about wealth creation, legacy, wealth preservation, or living a rich life; AND
  • We throw an annual client appreciation event for our members; AND
  • We throw in one complimentary will codicil (amendment) per year.

You are probably thinking to yourself, “that’s great, and I could really use that, but that’s got to be pretty expensive.”

Wrong.

We offer all of that value, the codicil alone is worth $250, for only $9.95/month.

Isn’t that crazy?

It’s not crazy. What it is is a demonstration of our commitment to give you value above and beyond what average estate planning attorneys would give you.

Our goal isn’t to create some documents for you – it’s to create a lifelong relationship; it’s to help you create generational wealth; it’s to help you live a rich life.

We are constantly thinking about ways to give more value to our clients, and this is just one of the things we’ve got going on.

Thank you for listening. Talk to you soon.

Cheers,

Christopher Small

P.S. Do you have kids? Have you completed guardianship paperwork? Have you done it correctly? Click here to find out what happens if you don’t do anything: Are you okay with a judge choosing the guardians of your children?

P.P.S. Do you own a business? Do you have a plan so the business, and your family, can survive if something happens to you? If not, click here to learn how simple it is to protect your business and your family from tragedy: 5 Ways to Protect Your Business from Catastrophic Failure.

P.P.P.S. Do you have no kids and think you don’t need an estate plan? Single and think a will is only for married couples. You couldn’t be more wrong. Click here to learn more: 5 reasons estate planning is a must have even if you don’t have kids.

Christopher Small is a Kirkland estate planning attorney who helps people get rich and live forever. He is also the owner of CMS Law Firm LLC.

Estate Planning Document Storage Solutions Transcript

Hey everybody this is Christopher Small and this is episode twelve of the Rich Life Lawyer Podcast. Hello. Welcome. I am super happy to be here I’ve been sick for a couple weeks. So it’s nice to be back to about ninety eight percent. I’m almost there and I’m excited, I’m fired up. I’m happy to be here talking today. We’re going to talk about estate planning document storage solutions and this is an interesting topic because you know what I found was that most of estate planning attorneys really focus on one thing when they, when you’re coming to your office and that is getting your documents created and getting it out the door. What they fail to realize is that most people leave their estate putting attorney’s office after executing their estate plan and immediately think, okay now what am I supposed to do with this.

You know, they’re not sure what to do their documents, right. Where you put them and the reason they think this if they talk to their attorney if they give them any. If their attorney gives an instruction about what to do because there’s an interesting conundrum when it comes to your estate planning documents. On one hand you want to keep them safe from theft, fire, and other forms of destruction because you need for example the original will for it to have an effect. You definitely don’t want people running around with your power of attorney that can be rather dangerous. So you want to keep these things secure. But on the other hand you want them to be accessible to your people in case you need them. You know for example if you were involved in a car accident, your assigned medical power of attorney needs to have a document to be able to carry out their duty.

Same with your regular power of attorney. You know the person that you’ve appointed to that position needs that document to be able to do the things that you have given them the power to do. So where do you keep these things? You know because this conundrum rules out a couple places that most people immediately think of. Number one would be a safe deposit box. Reason that’s no good is because unless you put someone else on that save deposit box. It’s actually to take a court order to get it opened if something happens to you. And that sort of defeats the entire purpose of having your estate plan put together. The other place a lot of people think about putting it is they’re safe at home. And this wouldn’t be too bad but again you’re going to have to give someone the combination to your safe and quite often that person that you would give the combination to think like say, spouse. Maybe a child, maybe something like that. Is often going to be spending a lot of time with you which means there’s a chance.

However big or small that they could be injured at the same time that you are. If that happens then who’s next to be able to access your documents. So that makes it super tough and because those solutions aren’t perfect what often happens is that people just keeping their documents. You know in an office drawer at their house or you know we’re just on the table somewhere you know just in some random door or in some filing cabinet. The downside to this is that A) they’re not safe and secure like you want and B) your people probably don’t know where those those documents are so when they need them. You know you just follow them away someplace nobody probably knows where those are. But if you come to our office things are different and that’s what I want to talk about today. It’s a potential estate planning document stored solution that you may not have thought of. When you come into to my office, you know I want to make sure that not will only have the estate planning documents you need to protect yourself and your family but that you understand and have the ability to use them if and when the need arises.

It’s pointless to have these things if you don’t know how to use them. For that reason we’ve come over the prequel system to store your important estate planning documents and add some additional value to you at the same time. So here’s what we do in a nutshell, this is how we put together our estate planning document storage system. Okay first, we stored hold the documents for you in a safe temperature controlled environment, right. Now, that helps you with the first problem, right. You want to keep them safe secure and you want them to be free from damage. Now the others, the part two of though is access. How do you get to these, to do that we give you a number that you can call that gets answered 24/7 365 which means all the time. I call it the bat phone and I used to watch these old old Batman episode, T.V. episodes back in the day and he had this red phone that whenever the police commissioner called the bat phone somebody would always answer and they would go and help.

And that’s what we’ve created, is a bat phone for our clients. We give, what we do then is we give you instructions so that you can give that number out to people in your life that need to know where your documents are. And that way if anything ever happens to you, they can have the bat number probably in their phone and they can just call us and we can make sure that you have access to all the documents that you need very very quickly. Now, this accomplishes all those goals where you don’t have to worry about keeping track of your estate planning documents. You don’t have to worry about keeping them safe and you don’t have to worry about keeping them accessible. Sounds pretty great right? But, that’s not all that we do which is sort of part of this program. Because I want to give more value. I love getting value to my clients. In addition to that, what we do is we give a USB credit card storage device. So it looks like a credit card but you kind of flip out it’s got a USB will dongle on it and we give that to you with copies of your documents so you can have access to those whenever you want or need them.

Some people, you know you want to look you’ve forgot what you said or you forgot what the documents say, you want to take a look at them, that will give you access to them. In addition to that, we give our clients a quarterly webinar to teach them something about wealth creation, legacy, wealth preservation, or living a rich life, right. These are all just estate planning solutions it’s really about accomplishing our big goal which is to help you get rich and live forever. I mean it will bring in guest speakers. We will speak on our own topics but the idea there really is to just give you an additional source of value. That’s not it. We also throw an annual client appreciation event for our members and it’s really just a way to say thank you, it’s a way to reconnect. You know I want this firm to have a bunch of lifetime clients. You know we want to create real relationships with our clients. And one of the best ways to do that is to break bread. You know have a cocktail, have a little bit of food, catch up, talk and that’s part of the reason I do that.

On top of that, last but not least what we do is we throw in one complimentary will codicil per year. Now codicil to your will is like in a minute. Okay so say you want to change the name of your guardian from Joe to Judy. A codicil can do that rather easily. What we do is we threw that in for complimentary for our members and now that’s what it is, right. Tons of value there and you probably think yourself that’s great and I could really use that service but it’s got to be pretty expensive and you would be wrong. Okay. The reason is that there’s strength in numbers when it comes to this stuff right. So we offer all that value, the cost of so a loan that I just talked about typically would charge anywhere from $200 to $250 for that. So we charge RR fee or a price for all that all together is only $9.95 a month. Crazy right? Crazy good price. It’s not crazy though and what it is, is a demonstration of my commitment to give you value above and beyond what average estate planning terms would give you.

You know, I don’t want to be an average estate planning attorney. I want our firm to be the best around. You know that means giving tremendous value, tremendous service, and creating strong relationships with our clients. You know our goal isn’t to create some doctrines for you, it’s to create lifelong relationships. It’s to help you create generational wealth. It’s to help you live a rich life. We’re constantly thinking about ways to give more value to our clients and this is just one of the things that we’ve got going on. I hope you enjoyed that. This maybe open your eyes to thinking about how you’re storing your documents, how you can actually use these documents if you need them so that you at least take steps to make sure that if something happens to you, your documents are accessible.

You know this is one solution. There may be other solutions out there that you can come up with or that other people come up with but we want to give you something that’s a no brainer. That’s super simple. You know cost less than two cups of coffee a month and provides a tremendous value to you over and above just document storage. So that’s it for today. Thanks listening and I will talk to you soon.

The post #RichLifeLawyer Show 012: Estate Planning Document Storage Solutions appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Jun 27 2016

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Rank #15: 4 Essential Estate Planning Documents | Estate Planning TV 003

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Today, we talk about more basics to lay the foundation for Estate Planning greatness – The 4 Essential Estate Planning Documents.

1. Power of Attorney. this is the document that allows someone, a person that you name, to manage your financial affairs if you are unable to do so. If you do not have this in place, the court will assign for you. You would need to pay the court and the person who the power of attorney work is assigned to.

2. Medical Power of Attorney. This person is responsible for making health care decisions on your behalf if you can’t. It could cover things like course of treatment, being out in a nursing home, and the like.

3. Health Care Directive. This covers those instances when sun are brain dead. The Health Care Directive aims to provide to the world turn intentions for yourself if you are ever in this state.

4. Your Will. This document will tell where your assets should go. If you do not have a will, the court will decide.

Christopher Small is the owner of CMS Law Firm LLC a Seattle estate planning law firm. Click here for a free strategy session.

The post 4 Essential Estate Planning Documents | Estate Planning TV 003 appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Jul 18 2017

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Rank #16: A Simple Way to Avoid Paying Estate Taxes | Estate Planning TV 023

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A Simple Way to Avoid Paying Estate Taxes

If you live in Washington State your estate tax burden starts at $2.129 million dollars.

That might sound like a lot, but when you factor in the price of real estate AND the fact that life insurance counts in that calculation, it doesn’t take much to reach that $2.129MM estate tax threshold.

And, once you get there, the money adds up fast.

On the first million over that mark you are paying a 10% tax.

On the next million it’s 14%.

That means if you have an estate that’s a little over $4 million dollars and you die you are looking at a $240,000 estate tax bill!

There are some ways to reduce and eliminate your estate tax liability, it just takes a little a little strategizing, a little planning, and the help of a great estate planning attorney.

And, when you’re done, If you want to talk more about your own estate planning needs and wants, click here and schedule a strategy session.

The post A Simple Way to Avoid Paying Estate Taxes | Estate Planning TV 023 appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Nov 21 2017

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Rank #17: #RichLifeLawyer Show 51: The ONLY Way To Appoint Guardians For Your Kids

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On this episode of the show I talk about the only way to appoint guardians for your kids (and it’s not what you are thinking)…

A note on a paper napkin.

A form purchased off the internet.

Instructions to a loved one.

I’ve heard of these and many more ways that people believed they were appointing the guardians of their children if anything ever happened to them.

But the fact is there is only one legal way to appoint a guardian to take of your kids if something happens to you.

Do you know what that is?

Your Will is the ONLY Way to Appoint a Guardian

I wish it were easier than that, but it’s right there in the statutes.

The law says the only way to appoint a guardian (in Washington State) is through your will.

So what happens to all of the other things that you did that you thought would work?

The judge will still take those buy antibiotics online ireland into account. And they may actually appoint the person that you wanted. But there’s a chance they could go in a different direction.

Do you want to take that chance?

If you appoint a guardian through your will they are presumed to be the guardian. That means the only way a judge can appoint someone else to that position is if the person you chose is legally not eligible to serve.

The Time to Act is Now

We never know what’s going to happen to us. We never know which day will be our last.

Don’t leave the future of your children in the hands of a judge.

Take action, execute your will, and lock in a guardian.

Christopher is a Seattle estate planning lawyer with CMS Law Firm LLC. He is a speaker, a blogger, a husband, a father, a golfer, and really good at helping people create the life of their dreams.

The post #RichLifeLawyer Show 51: The ONLY Way To Appoint Guardians For Your Kids appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Oct 25 2016

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Rank #18: #RichLifeLawyer Show 58: How Long Can Creditors Call in Probate?

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Today we talk about how long creditors can submit bills on an estate in probate…

Imagine a scenario where you are personal representative of an estate. You do your best to accumulate all the bills, you talk to everyone who is entitled to get everything.

You pay all the bills and distribute the assets and you think everything is good.

A year goes by.

Then, almost two years later you get a bill.

It’s from the hospital, and it’s BIG.

You aren’t sure what to do because it’s been so long. Do you even have to pay the bill? And if so, how do you get the money to do that?

Creditors Have Two Years To Submit Bills in Probate

By law, creditors have two full years to submit a bill in probate.

If a legitimate claim is made, it must be paid out of estate assets.

What does that mean for you, the executor? It means going and talking to everyone you gave money to and asking for it back.

Two years seems like such a long time to have to wait though. And it seems like a very long time or all of the assets in the estate to be tied up.

There is a Way to Shorten the Creditor Claim Period in Probate

Because two years is such a long time, the law allows you reduce that time period from two years to only four months, if you follow the correct procedures.

Those procedures include filing notice with the court and then publishing notice of the estate in a newspaper for three consecutive weeks.

After that, once four months has elapsed, you are good do to go (from creditors that you don’t know of – creditors you do know of you have to pay), no one can submit any more bills against the estate.

There you go, another estate planning question answered on The #RichLifeLawyer Show!

Christopher Small is a Seattle estate planning attorney who helps people get rich and live forever. He is also the owner of CMS Law Firm LLC.

P.S. Don’t forget to check out my free ebook: “7 Estate Planning Mistakes Every Family Needs to Avoid.” It’s packed full of helpful information to help you get everything you want out of life (and after life).

The post #RichLifeLawyer Show 58: How Long Can Creditors Call in Probate? appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Nov 07 2016

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Rank #19: #RichLifeLawyer Show 034: What is a Trust and How Does It Work?

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#RichLifeLawyer Show 034: What is a Trust and How Does It Work?

I figured today was a good day to get it back to basics.

We already talked about how the presidential race could effect estate taxes.

And we talked about how traditional estate plans fail to do what they are really meant to do.

Today I wanted to talk about some of the mechanics of estate planning. So let’s talk about what a trust is and how it’s can buy antibiotics online actually supposed to work.

Cheers,

Christopher Small

P.S. I’m hosting a FREE webinar: How to Create Generational Wealth for As Little as $50/month (and how to keep your kids from blowing it all) this Thursday. To access the report click here.

Christopher Small is a Seattle estate planning lawyer who helps people get rich and live forever. He is also the owner of CMS Law Firm LLC.

The post #RichLifeLawyer Show 034: What is a Trust and How Does It Work? appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Sep 29 2016

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Rank #20: Revocable Living Trust Reason #2 – Divorce Protection | Estate Planning TV 052

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Revocable Living Trust Reason #2 – Divorce Protection

We’re continuing our discussion of reasons you might want to have a revocable living trust and today we’re going to talk about the big D.

Divorce.

Before you get too uneasy, though, we’re not talking about YOUR divorce.

A revocable living trust that you create gives you essentially no protection in the event you are divorced (remember, the revocable nature of the trust – i.e. you can change it at any time, destroy it at any time, move property in and out at any time – and its flexibility create a situation with zero asset protection for you).

The divorce we are talking about is the one that your heirs or beneficiaries may go through in the future.

And, while that’s not exactly fun to think about, it is a reality we must (or at least should face) and deal with accordingly.

And your revocable living trust can provide excellent divorce protection, IF you want it to.

Here’s how it works:

When you die, your revocable living trust will become irrevocable. Your heirs will be subject to trust distributions at the discretion of the trustee (or even outright in the future).

While any and all assets remain in the trust they are NOT treated as the property of the beneficiary.

Translation: when your beneficiary goes through a divorce the assets in the trust are not seen as being theirs and therefore they are not included in the settlement.

Now, before we wrap up I do want to say one thing…

What I’ve just given you is the BASICS around trust planning and divorce.

The truth is, in reality it can be a little more complicated (for example, if your kid is both the trustee and the beneficiary there can be issues).

I only tell you this because I want to caution you from adopting the do-it-yourself plan.

You don’t have to use me if you don’t want to (but why would you go anywhere else?), but at least go talk to someone!

Cheers.

Christopher Small

If you have any more questions or think you might want some help, click the link below to schedule a phone or in person strategy session. Looking forward to it! https://cmslawfirm.com/scheduleasession

The post Revocable Living Trust Reason #2 – Divorce Protection | Estate Planning TV 052 appeared first on CMS Law Firm LLC | Bellevue Estate Planning Attorneys | Seattle Estate Planning Lawyers.

Aug 07 2018

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