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SMART MONEY STRATEGIES FOR EVERY AGE AND SITUATION
Your 40s and 50s—The Peak Earning Years

Section 8 of 11:
ESTATE PLANNING:
Should I Be Concerned With This Yet?
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The two-thirds of Americans who do no estate planning might be
shocked to learn that when people die without wills, the probate
court takes over and can dominate survivors lives for years. The
small amount of time and money you must invest now to dictate
what happens when you die is well worth the effort.

Combined with the tips, techniques and action strategies included
in the other sections of this report, you can learn how to micro-
manage your funds so that your money multiplies itself.

Read on and reap the financial rewards!

Jordan E. Goodman
America’s Money Answers Man
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ESTATE PLANNING:
Should I Be Concerned With This Yet?

The more assets you accumulate through your 40s and 50s, the
more important estate planning becomes. Once your family’s
assets exceed $675,000 (rising to $1 million in 2006), you might
need to transfer the ownership of some assets to your spouse so
you can both take advantage of the unified tax credit. If your
assets exceed $1.25 million (rising to $2 million in 2006),you might
need to set up a trust for your children and other beneficiaries.

Also, make sure that you have a valid will and update it regularly to
account for changes in your family situation and tax laws. Many
people unwisely postpone estate planning until their late 50s or
even until they are retired. Consult a good estate-planning attorney
when you are younger, or use self-help books or software to
establish a solid estate plan.

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RESOURCE | RESOURCE | RESOURCE
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