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Simple wills do two basic things: Allow you to say who gets your property and assets and if you have minor children, who raises your children if something catastrophic were to happen to you. This might be the exact goal you're looking to accomplish, and can be a great starting point for an estate plan; however, protecting your family carrying ...

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With the federal estate tax exemption possibly about to be lowered, it may be time to think about steps you can take to keep your estate from being taxed. An irrevocable life insurance trust allows you to pass on money to your heirs while avoiding both the federal estate tax, as well as any applicable state estate tax.

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