At Your Own Risk: The Pitfalls of DIY Estate Planning There’s no law that says you can’t prepare your own estate plan. And with an abundance of online services that automate the creation of wills and other documents, it’s easy to do. But unless your estate is small and your plan is exceedingly simple, the […]
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HSA + HDHP Can be a Winning Health Benefits Formula If you’ve done any research into employee benefits for your business recently, you may have come across a bit of alphabet soup in the form of “HSA + HDHP.” Although perhaps initially confusing, this formula represents an increasingly popular model for health care benefits — that
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3 Reasons you Should Continue Making Lifetime Gifts Now that the gift and estate tax exemption has reached a record high of $11.18 million (for 2018), it may seem that gifting assets to loved ones is less important than it was in previous years. However, lifetime gifts continue to provide significant benefits, whether your estate is
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Is a Significant Portion of Your Wealth Concentrated in a Single Stock? Estate planning and investment risk management go hand in hand. After all, an estate plan is effective only if you have some wealth to transfer to the next generation. One of the best ways to reduce your investment risk is to diversify your
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Prepare for Valuation Issues in Your Buy-Sell Agreement Every business with more than one owner needs a buy-sell agreement to handle both expected and unexpected ownership changes. When creating or updating yours, be sure you’re prepared for the valuation issues that will come into play. Issues, What Issues? Emotions tend to run high when owners
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For Unmarried Couples, Estate Planning is Indispensable When married couples neglect to prepare an estate plan, state intestacy laws step in to help provide financial security for the surviving spouse. It may not be the plan they would have designed, but at least it offers some measure of financial security. Unmarried couples, however, have no
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Keeping a King in the Castle with a Well-Maintained Cash Reserve You’ve no doubt heard the old business cliché “cash is king.” And it’s true: A company in a strong cash position stands a much better chance of obtaining the financing it needs, attracting outside investors or simply executing its own strategic plans. One way
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2 Ways to Transfer a Family Business For many people, a family-owned business is their primary source of wealth, so it’s critical to plan carefully for the transition of ownership from one generation to the next. The best approach depends on your particular circumstances. If your net worth is well within the estate tax exemption
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Claims Against Immigration and Customs Enforcement (ICE) Officers for Wrongful Acts U.S citizens, lawful permanent residents, and other individuals with lawful or unlawful status who are unlawfully arrested and detained by ICE officers may potentially have claims against the U.S government under the Federal Tort Claims Act (FTCA). FTCA claims also may consist of claims
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Dig Out Your Business Plan to Prepare for the Year Ahead Like many business owners, you probably created a business plan when you launched your company. But, as is also often the case, you may not have looked at it much since then. Now that fall has arrived and year end is coming soon, why
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