Sage Rutty & Co., Inc. - Preserving wealth for generations

Thursday, March 11, 2010

Getting
Started

- Start investing
- Saving for college
- Plan for retirement

Make Your
$$$ Work!

- Your financial plan
- Roth IRAs
- Capital gains

Creating and
Preserving
Wealth

- Estate planning
- Tax-free income
- Long-term care

Please feel free to
contact me at
(585) 512-2313,
or e-mail me at
KDowejko@SageRutty.com
to set up an initial
consultation,
free of charge.

Kristin M. Dowejko
Financial Consultant

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Estate Planning

Upon your death, there are typically certain problems that can arise and cause a burden for those left behind. The purpose of an estate plan is to ease that burden and ensure that your heirs receive the bulk of your estate and not Uncle Sam. An effective estate plan can:

Help minimize estate taxes
Arrange for the care of minors in the event of premature death
Set up a plan for efficient transfer of assets
Ensure that your wishes are carried out properly

Without proper planning, estate taxes (that may range from 37% to 60%), state taxes and income taxes on retirement plan distributions could reduce your estate by over 75%! Essentially, your heirs may receive only a fraction of all you've worked so hard to accumulate. Even if you don't expect your estate’s value (including death benefits from insurance policies) to total more than $625,000, you may need an estate plan. Proper estate planning can use lifetime gifts and trusts to minimize your estate-tax liability. For example, without an estate plan, an estate of $1.5 million might be charged $353,750 in estate taxes. A good plan could reduce that charge to $95,000--for a savings of $258,750!

Our Financial Planning team specializes in formulating effective strategies to help ease the transfer of assets and protect your estate from an undue tax burden. Please feel free to contact me at (585) 512-2313 or email me at KDowejko@SageRutty.com to set up an initial consultation, free of charge.


Sage Rutty & Co. 1621 Jefferson Road Rochester, NY 14623 (585) 232-3760 Fax: 292-5799 www.SageRutty.com	This website is only intended for residents of states in which we are registered. These states are: AL, AR, AZ, CA, CO, CT, DE, FL, GA, IL, IN, KS, KY, LA, MA, ME, MD, MI, MS, MT, NV, NJ, NY, NC, OH, OR, PA, RI, SC, TX, VT, VA, WA, WI and Washington, DC. This is not a solicitation to buy or sell securities. This is written solely for information and communication purposes. It is not represented as Sage Rutty’s views or policies, nor a promotion in purchasing securities. The purchase of investments can only be considered through a prospectus and other authorized methods of promotion. Past performance is no guarantee of future results. Sage Rutty Member FINRA/SIPC.
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