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Robert Pagliarini
582 followers -
Sudden Wealth Advisor | #1 Bestselling Author | CBS Columnist
Sudden Wealth Advisor | #1 Bestselling Author | CBS Columnist

582 followers
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Here is my latest Forbes article...
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Great tool to cut your taxes and save for retirement for small business owners...
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Here are 20 financial tips I wish I could tell my 20 year old self...
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My latest article for Wealth Management...
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Estate planning professionals often contend with ambiguities. A plan may need to be modified in the future when some development in family life occurs – and there are some estate planning tools that may help to provide that kind of flexibility.

-- Standby trusts. These are unfunded revocable living trusts that go into effect when and if families need them. (Sometimes they are referred to as contingent trusts.)

-- Spousal lifetime access trusts. If it seems that one spouse might live decades longer than the other, a spousal lifetime access trust (SLAT) may offer a helpful estate planning option. A SLAT essentially gives a longer-living spouse access to a trust established by a spouse who passed away.

Premiums on the life insurance policy are paid by the trust. These payments are funded by gifts of property from the grantor. A SLAT is funded with separate property of the grantor spouse rather than community property.

-- Private demand loans. Similar to a SLAT, these are also arranged with the help of either a survivorship life insurance policy or a single life policy. In this instance, an ILIT is created but the grantor loans funds to the ILIT instead of gifting them.

Could these ideas work for you? They may be worth exploring. These flexible estate planning techniques all use life insurance creatively, offering couples access to cash value while aiming to keep the death benefit of the policy out of the taxable estate of the spouse. Read more... http://www.pacificawealth.com/estate-planning-primer/
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You can prepare for your retirement transition years before it occurs. In doing so, you can do your best to avoid the kind of financial surprises that tend to upset an unsuspecting new retiree. Start by figuring out the following:

-- How much monthly income will you need?
-- Should you try to go Roth?
-- Should you downsize or relocate?
-- How conservative should your portfolio be? 
-- How will you live?
-- How will you take care of yourself?

Give your retirement strategy a second look as the transition approaches. Review it in the company of the financial professional who helped you create and refine it. An adjustment or two before retirement may be necessary due to life or financial events.

Learn more on my blog... http://www.pacificawealth.com/retiring-next-5-years/
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What's the new myRA retirement plan all about? Find out here http://aol.it/1zJQpl7 via @daily_finance
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