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The Complete Guide to Planning Your Estate in California: A Step-by-step Plan to Protect Your Assets, Limit Your Taxes, and Ensure Your Wishes Are Fulfilled for California Residents (Back-To-Basics)

theDoc — Tue, 31 Aug 2010 15:57:37 +0000

What happens to your estate after you are gone is very much within your control. Estate planning is not only for the wealthy; it is for everyone. It is simply the process of deciding where your assets are to be distributed after your death. For those people who wish to preserve their assets for designated purposes such as family or special charities it becomes necessary to make special advance preparations. To ensure your assets are protected and final wishes are carried out, there are some common actions that should be taken now. Proper estate planning allows you to plan for yourself and your loved ones without giving up control of your affairs. Your estate plan should also allow for the possibility of your own disability. It should detail what you own and whom you want to leave it to at a time of your choosing and the way you want. Your estate plan should include fully disclosed, controlled costs for you and your loved ones. The last thing you want to worry about is having your estate drained of value through taxes and legal costs. The right plan can protect the value of your estate and spare your loved ones unnecessary hassles and legal conflicts. The Complete Guide to Planning Your Estate in California will help you glide through this complicated process. This new book has been adapted to offer Ohio residents state-specific advice for estate planning. Co-authors Margo Pierce and Linda C. Ashar, attorneys at law, have crafted an estate planning primer, allowing California residents to become more informed and more involved during the process. Many books on estate planning indicate you do not need the services of an attorney, but this book highly recommends using an attorney versed in this area: You should not go through the process alone. This book is intended explain the complicated issues, terminology, and planning strategies of estate planning so when you do meet with a qualified attorney, you will be well prepared. You will understand the legal terms and be ready to discuss issues and strategies with familiarity, saving you time and legal fees and ensuring peace of mind. California -specific information is offered throughout this book, including: California s probate code; California rules, regulations, and laws specific to estate planning; elements of a valid California will; planning your living will in California; explanations of In California diana laws regarding durable health care power of attorneys, do not resuscitate (DNR) orders, and directives to withhold CPR. The book s easy-to-understand context clarifies this complicated and sensitive subject and gives readers the power to take control of their future. This book also offers an overview of abatement rules, settlement costs, guardianship and minor children, executors and trustees, life insurance, potential long-term care needs, marital deductions, types of trusts, gift splitting, survivorship deeds, 529 plans, reducing or eliminating estate taxes, avoiding tax on life insurance, using insurance to pay estate taxes, gift tax issues, generation skipping transfer tax, and tax-deferred accounts. Estate planning should be a positive experience. It involves reviewing your situation and planning for your future. Although few people want to think about the possibility of disability or disease, advance planning is also a way to show your love and to reduce potential distress later. Other books offer a non-state-specific overview of estate planning, causing many readers to be misinformed about rules and regulations particular to their state; but, this new book provides information California residents need to know. Do not get outdated or wrong information that does not pertain to you specifically. Use this new book to craft an estate plan that is not only legally sound but also fully carries out your last wishes and protects your loved ones.

Set for Life: A Financial Planning Guide for People Over 50

theDoc — Tue, 17 Aug 2010 15:57:37 +0000

PaineWebber investment executive Bambi Holzer's first book, Retire Rich, presented peak-earning, but financially naÃ¯ve, baby boomers with the fundamental tools and techniques necessary to create individualized retirement plans based on current situations and projected needs. In Set for Life, she addresses financial planning and management issues for readers even closer to retirement age. Unlike boomers a decade or two younger, who are still actively accumulating resources, Holzer writes, these folks "are more concerned with keeping what they have. They are not necessarily trying to get rich. They just want to have a comfortable lifestyle and make their money last as long as they do." She offers advice on maximizing "your retirement bucket ... between now and then" through sound investment decisions; determining how assets will be affected by additional sources of income such as Social Security, real estate, and paid employment; accommodating the inevitable impact of taxes, insurance, and inflation; and generally preparing the best way possible for the uncertainties ahead. --Howard Rothman

The Wall Street Journal. Guide to Starting Your Financial Life

theDoc — Thu, 05 Aug 2010 15:57:37 +0000

Your Road to Lifelong Financial IndependenceItâ��s about time you felt empowered to better manage your money becauseâ��in tough economic times more than everâ��your financial freedom depends on making smart choices. But itâ��s hard to know where to begin, especially when youâ��re just starting out. And of course, it only gets more complicated as you go through life: How do you establish good credit? Do you buy or rent? What kinds of health coverage do you really need? How do you actually stay afloat in an uncertain market? The Wall Street Journal Guide to Starting Your Financial Life gets you off on the right financial foot, from tackling everyday choices like cell-phone plans and pet ownership to big decisions such as smart investment strategies and buying a car or a house. Youâ��ll learn:â�¢ How to open your first checking and savings accounts, get your first credit card, and establish good creditâ�¢ The ins and outs of starting a job, including information about taxes, choosing health insurance options, and saving for retirement â�¢ How to budget for big purchases and expenses, such as paying off student loans, buying a car, and affording your housingâ�¢ Strategies for buying the little things you want and need without going broke â�¢ The basics of investing, how to manage an inheritance, and the documents you need to protect your assetsThis valuable resource puts you in the driverâ��s seat, so you will be in control of your money and on your way to achieving lifelong financial independence across any economic terrain.

Long-Term Care: Your Financial Planning Guide

theDoc — Sun, 01 Aug 2010 15:57:37 +0000


Consumer text provides information on how to design a strategy for long-term care planning. Includes data on financing, various insurance policies, reverse mortgages, Medicaid, and Medicare. Also contains updated directories of insurance departments, aging and health agencies, and Medicare/Medicaid divisions. Softcover.

Armed Forces Guide to Personal Financial Planning, 6th edition

theDoc — Fri, 30 Jul 2010 15:57:37 +0000

Revised and updated for today's military, this comprehensive guide covers all key financial decisions from choosing checking accounts and using credit cards to deciding whether to rent or buy a home and choosing an insurance policy. In light of the realities of the war on terror, special attention is paid to managing your finances while deployed. Military personnel of all services and ranks will benefit from the advice given in this crisply written book. Each topic is covered in a thorough, logical, and easy-to-read manner.

Financial Secrets of My Wealthy Grandparents: A Guide To Help Retirees Avoid Financial Mistakes and Create an Inspiring Financial Future

theDoc — Wed, 28 Jul 2010 15:57:37 +0000

While there are many books that tell younger people how to plan for retirement, there are very few that tell you what your need to do when you get there. Financial Secrets of my Wealthy Grandparents A Guide to Help Retirees Avoid Financial Mistakes and Create and Inspiring Financial Future is here to change that. By Sharing the secret behind his wealthy grandparentsâ�� success and the financial mistakes made by his poor grandparents, author Matthew Tuttle, a CERTIFIED FINANCIAL PLANNERâ�¢ Practitioner, aims to help you steer clear of those mistakes. He covers a number of key concepts, including: The most common mistake retirees make and how to avoid it What your stockbroker didnâ��t tell you about your mutual funds What you need to look for in a long-term care insurance policy Three Common IRA Mistakes That Could Cost Your Family Millions of Dollars How to insure that your money outlives you and not the other way around How to insure that no matter what happens in the economy, the markets, or the world, you can still feel confident that you are on track to reach your goals Let Financial Secrets of my Wealthy Grandparents be your guide to a financially secure retirement!

The Financial Universe: Planning Your Investments Using Astrological Forecasting : A Guide To Identifying The Role Of The Planets And Stars In World Affairs, Finance, And

theDoc — Mon, 26 Jul 2010 15:57:37 +0000

Deconstructs the future in clear masterful strokes. An absolute must read text not only for professionals in financial services and related industries but also for anyone who relies on the future for business and personal planning. Written by one of the world's foremost financial astrologers, 'The Financial Universe' highlights periods to maximise investment returns and minimise portfolio losses through exposure to geopolitical events and circumstances, and financial market hotspots. This important new text maps out potential responses by international stock markets to world events that are predicted between now and the year 2020. The book is written for those who have little understanding of astrological terminology. The book deconstructs the complex relationship of planetary alignments, sun spot patterns, and other cosmic influences. Through astrological forecasting The Financial Universe illustrates the direct impact that world events might have on global stock markets. It presents not only a compelling analysis of the financial astrology behind previous market events but also suggests concrete strategies for professionals to confront challenges which lie ahead. Specific chapters are devoted to the City of London market and Wall Street. Important market turning points to be anticipated in the years 2004-2020 are forecast and explained against world affairs, and finance and investment opportunities.

AMA Physicians’ Guide to Financial Planning

theDoc — Wed, 30 Jun 2010 15:57:37 +0000

All the information physicians need for successful financial planning. Offers solid, common sense tools tailored to help physicians and their families manage day-to-day financial issues. This interactive guide provides expert advice on financial planning, saving, investing, self-guided portfolio management, obtaining loans and mortgages, buying and selling real estate, retirement, estate planning and many other aspects of money and investment. Contains helpful worksheets, sample agreements and letters, do-it-yourself formulas, an extensive glossary of terms and much more.

Real Life Financial Planning for the Young Dental Professional: A Dental Professional¿s Guide to Financial Security

theDoc — Thu, 24 Jun 2010 15:57:37 +0000

Dentists, Orthodontists, Periodontists, Endodontists, Oral Surgeons, Prosthodontists, Pediatric Dentists and other dental specialists have unique financial needs. You have so many financial issues and options on a personal and business level. This complexity can make decision making very difficult. There is so much information â��out there,â�� but sometimes not much wisdom. This book summarizes the wisdom we have gained and shared with our clients in individual meeting throughout the years. Real Life Financial Planning for the Young Dental Professional is simply a practical method of understanding, organizing, and prioritizing financial decisions. Most financial planning publications and financial plans themselves, assume everyone lives a long, healthy life, and saves a good portion of their income in quality investments that always do well. This book addresses the issues that happen in real like, good and bad. A solid financial plan should make your life sim! pler by letting you focus on the issues you excel at and enjoy. This may include practicing dentistry, spending more time with your family or pursuing hobbies. These things are more enjoyable knowing that your finances are in order. We hope you take the time to read this and work with a trained professional to develop and implement a financial plan that meets your goals and objectives.

The Complete Idiot’s Guide to Success as a Personal Financial Planner

theDoc — Sun, 20 Jun 2010 15:57:37 +0000

Building a successful career in a red-hot field. Financial planning is one of the fastest growing careers in America today. Written by a veteran certified financial planning expert, this invaluable book tells aspiring and new CFPs everything you need to know about the certification process, setting up private practice, self-marketing techniques, client management and expansion, and much more. Ã�â��Includes a comprehensive resource section