Planning Tools Read online content and solutions that facilitate the communication of financial planning knowledge and advice that is current, concise, and compliant. Click here to access our tax planning guide online.

Business Owner   FAQs     Incorporating a business       Should I incorporate my business?   Estate Planning   Articles     Assets       Asset protection in estate planning       Estate planning and 529 plans       Transferring your family business     Beneficiary designations       Choosing a beneficiary for your IRA or 401(k)       Designating a beneficiary for life insurance     Charitable giving       Charitable giving       Life insurance and charitable giving     Estate planning basics       Estate planning--an introduction       Facing the possibility of incapacity       Gift and estate taxes       Trust basics       Wills--the cornerstone of your estate plan     Life insurance       Life insurance and estate planning       Life insurance and terminal illness       Life insurance: do you need it?       Planning ahead for life insurance proceeds       The ins and outs of policy ownership     Medicaid planning       Medicaid and nursing home care       Medicaid and the principal residence       Medicaid planning basics     Probate       Bypassing probate       Understanding probate   Decision Tools     Business planning       Business life insurance needs       Business succession planning alternatives       Choosing a business entity       How cross purchase plans work       How entity purchase plans work       Number of policies needed with a cross purchase plan       Planning for succession of a business interest     Charitable giving       How a charitable lead trust works       How a charitable remainder trust works       The best property to give to charity     Estate planning basics       529 Plan Federal estate tax calculator       529 Plan Federal estate tax calculator - (Consumer Version)       Common incapacity documents       Estate shrinkage       Federal estate tax estimator       Federal transfer tax exemption amounts under the Tax Act of 2001       Steps to estate planning success       Table of federal estate tax brackets and exemption limits     Life insurance       Life insurance needs analyzer     Probate       The probate process: 3 to 9 months after death       The probate process: 9 to 12 months after death       The probate process: initial tasks       Types of post-mortem elections     Trusts       Advantages of trusts       How a grantor retained income trust (GRIT) works       How an irrevocable life insurance trust (ILIT) works       How an irrevocable trust protects assets   FAQs     Estate and gift tax       How can I determine what my business is worth for estate and gift tax purposes?       How can I minimize taxes on my estate?       How will estate taxes be paid if I leave no provision in my will?       I intend to make tuition payments directly to my grandchild's college, and I know this will reduce my estate. But would it be better to contribute to a 529 plan instead?       I just made a gift. Do I have to file a gift tax return?       If I am the account owner when I die, will the value of my 529 account be included in my estate?       The death benefit from insurance on my life will be paid to an irrevocable life insurance trust (ILIT). What if those funds are needed to pay my estate taxes?       What is a family limited partnership, and will it help reduce estate taxes?       What is the applicable exclusion amount?       Will the value of my 529 account be included in my estate or my beneficiary's estate?     Estate planning basics       How often do I need to review my estate plan?       Isn't estate planning only for the rich?       What makes up my taxable estate?     Life insurance and estate planning       Are life insurance proceeds income taxable?       The death benefit from insurance on my life will be paid to an irrevocable life insurance trust (ILIT). What if those funds are needed to pay my estate taxes?       What is a life insurance trust and why should I consider establishing one?       When I die, is my beneficiary required to take a lump-sum payment of my life insurance death benefit?       Will my beneficiaries have to pay taxes on the proceeds of my life insurance policy?     Planning for incapacity       What is an advanced directive for health care, and will it help me avoid court involvement during incapacity?       What is the difference between a power of attorney and a durable power of attorney?     Probate       Does property owned jointly avoid probate?       What is probate and why do I want to avoid it?     Trusts       Can an UGMA/UTMA account reduce my child's financial aid for college?       Should I establish a trust for my child's college education fund?       What is a Crummey power?       What is a life insurance trust and why should I consider establishing one?       What is a living trust?     Wills       Can I disinherit relatives I don't like?       Can I transfer my business through my will?       Do I have to accept a bequest I don't want?       Do I need an attorney to prepare my will?       How will estate taxes be paid if I leave no provision in my will?       I want my son to have my valuable collection of baseball cards when I die. How do I make sure he gets it?       What is the difference between a living will and a living trust?       What will happen if I die without a will?       Who should I name as guardian of my children in case my spouse and I should die at the same time?       Who should I name as trustee?   Retirement Planning   Articles     Saving for retirement       Retirement planning--the basics       Understanding IRAs   Decision Tools     Retirement planning basics       Building an investment portfolio       Saving for your retirement       What is your risk tolerance?   FAQs     Saving for retirement       I think it's time to start planning for retirement. Where do I begin?   Special Situations   Articles     Loss of a spouse       Claiming life insurance benefits       Organizing your finances when your spouse has died       Social Security survivor's benefits