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Estate Planning Fundamentals

WS Resources Estate Planning

 

Whether you are just beginning to create your wealth plan, or you are taking another look at your existing plan, there are a number of questions to consider as you plan for how your wealth should work for you, your loved ones and the causes important to you.

Creating a new or revised estate plan?

However you define success, envisioning your legacy often requires the peace of mind that your financial affairs are in order—a goal that can usually be achieved by developing a comprehensive wealth plan. Whether you’re creating a new estate plan or revising an existing one, a few key considerations can help you effectively meet your objectives.

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Deciding how to distribute your wealth?

One of the goals of estate planning is to maximize the value of the wealth you pass to your family members while minimizing the impact of taxes through trusts. However, an equally important objective is determining what these trusts should provide—and what that means for your family. If you’re unsure where to start, answering some basic questions can help facilitate the planning process.

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Trying to minimize the impact of estate tax on loved ones?

While taxes may not be the primary driver of your estate plan, considering your tax planning options can benefit both you and your beneficiaries. Depending on your financial circumstances, the estate tax and generation-skipping transfer tax have the potential to significantly reduce your estate. Fortunately, there are a few strategies you can pursue to avoid paying more taxes than necessary.

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Is your life insurance policy right for you and your family?

A life insurance program, when structured and monitored properly, can play an integral role in your estate plan. If you’re considering purchasing a new policy—or wondering whether your existing policy meets all of your requirements—considering a few key factors can help you determine the best program for you and your family.

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Planning for your modern family?

“Family” is a powerful word, loaded with meanings and emotions. And today, family structures go far beyond historical legal and cultural definitions. For any of today’s families, the essential planning questions of yesterday still apply. In general, the special planning considerations for families that differ from “traditional” families fall into three main categories.

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Additional resources

Please see additional resources on this topic, or contact a CIBC Private Wealth advisor for more information.