Estate Planning
What is an Estate?
An Estate is all the property owned by a person. Property is either “real” (real
estate) or personal (cars, household items, cash, investments, etc.).
Estate Planning distributes this property to the individual's heirs in an
efficient and tax-wise manner. Careful estate planning aims at minimizing taxes
while maximizing the amount of wealth left to the beneficiaries.
Proper Estate Planning can avoid or reduce all of the following concerns:
Setting up a Trust is a way to avoid probate, a lengthy and costly process. A trust is a legal entity designed to hold and manage assets in a cost
effective and tax efficient manner.
If you do have a large estate, it's particularly important to have a Will, to make your
intentions legally binding and to help your family avoid the unnecessary expense and
difficulties associate with Probate.
Click Here to view our Estate Planning Illustration
Questions?  Please call us at (800) 593-2275 or e-mail us.  
Clients First Financial, LLC
72 Sharp Street, Suite A2
Hingham, MA  02043
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A Will is a legal document that states what you wish to be done with your property after your death. If you die without a will the state will assign an
Executor and distribute your estate to your heirs according to state laws. Even if you do not have many assets, a will is important for many reasons.
Some of these include:
  • Probate costs - the fees paid to the executor of the estate and fees paid to the attorney to probate the estate, often 4 - 6% of the estate's total
    value.
  • Death or Estate taxes – if no provision has been for the transfer of assets prior to death, there may be significant Federal and State taxes owed.
  • Minimize income taxes on transfers of pension assets.
  • Designating a guardian, or guardians, for your minor children
  • Designating who will manage your child’s assets upon your death
  • Distribution of personal items to whomever you choose.
Clients First Financial, LLC

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