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Estate Planning, Certified Financial Planner, Estate Tax Planning. CPA, PFS, Certified Financial Planner, Estate Tax Planning. Personal Financial Specialist, Estate Planning.

Estate Planning Anyone who owns property, a home, a car, a bank account, investments, business interests, a retirement plan account, collectables, personal belongings, etc. - needs an estate plan. An estate plan allows you to direct how and to whom your property will be distributed after your death.  If you have no estate plan at all, your property could be distributed according to your state's intestacy laws without regard to family needs or desires.

What Exactly Is Estate Planning? Estate planning is an organizing process.  For a young single person, an estate plan may consist of simply a Will.  A couple just starting out might have Wills and own a modest home and bank accounts in their joint names.  When children arrive, whom to name as the children's guardian and how to provide for them and your spouse in the event of unexpected death or incapacity become estate planning concerns.  Once a person starts to realize his or her financial goals, assent preservation and how to avoid estate taxes become important factors in estate planning. Many people who carefully plan for income taxes don't give any thought to estate taxes.  They assume that estate taxes, unlike income taxes, affect only people with large estates.  However, with so many dual income families and the high value of real estate in many areas of the country, people who consider themselves of moderate means may have estates that will be subject to federal estate tax at their deaths.   Estate Planning strategy options are so varied and the subject matter so broad they can not all be covered on this web site.  However, these are but a few options that are available depending on your particular circumstances.   Wills   Will Substitutes   Gift Tax Unified Credit   Unlimited Marital Deduction   Credit or By-Pass Trusts   Two Trust Estate Plan   QTIP Trusts   Life Insurance   Gift Tax Annual Deduction   Disability Planning The best way to keep your estate plan up-todate is to review it on a regular basis.  Contact us for additional information, we can tell you more about the estate planning strategies we use and how you can use them to help ensure your loved one's future financial security. We welcome the opportunity to help you reach your goals. For more information please feel free to browse around our web site.  We are always happy to answer any questions, or to schedule a consultation contact: Email Us or call us at 847-215-8630.

Estate Planning, Certified Financial Planner, Estate Tax Planning. CPA, PFS, Certified Financial Planner, Estate Tax Planning. Personal Financial Specialist, Estate Planning.

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Nothing on this web site should be construed as providing specific financial, investment, insurance, business, tax or legal advice.  You should consult with a CPA, accountant, tax advisor, insurance representative, or legal counsel prior to making such decisions.  We do not collect, sell, trade or distribute any personal information, of visitors to this web site.  If you choose to email Marcel Kuper at Life Time Planning, Inc. for further information, any information you disclose will be treated as confidential.

M.V. Kuper P.C.

500 W Palatine Road Wheeling,  Illinois 60090

(847) 215-8630  Fax: (847) 215-8632