Your Children, Your Heirs

Pass your estate on to your spouse and children – instead of the IRS.

There are dozens of legitimate ways to shelter your assets, disinherit the IRS and make sure your heirs end up with 100% of your money.

After your estate has been allocated and the exact numbers long forgotten, you want your heirs to remember you for thoughtfully making the situation as seamless as possible for them. Ultimately, that's the best legacy you can leave. Let Your Children, Your Heirs help you make the process go smoothly.

  • Yes! Rush me Your Children, Your Heirs. I understand that I can review my copy risk-free. If I don't immediately see how I can protect my hard-earned wealth, you'll refund my entire purchase price. No questions asked, and I'll have no further obligation. On that basis, here's my order.
Yes! I want to disinherit the IRS.

Dear Colleague,

Is the IRS a member of your family? Of course not. Yet after a lifetime of hard work – paying taxes all the way through – you could wind up leaving more than half your estate to Uncle Sam!

It’s a terrible fact of estate tax law. But it doesn’t have to be that way. You CAN shelter your assets, disinherit the IRS and make sure your heirs get 100% of your money. And to be sure you take advantage of the right tools for you, we publish Your Children, Your Heirs.

To make sure your wishes will be realized, you must be the ultimate decision maker. Don’t let the IRS take the choice away from you!

After working hard all your life, paying taxes all the way through, you could wind up leaving more than half your estate to the IRS! It’s a terrible fact of estate tax law – a fact that you can avoid!

  • Your Children, Your Heirs spells out all of your options, allowing you to make the best choice possible for your legacy. Get your copy now!
Yes! I want to disinherit the IRS.

This Special Report explains everything you need to know to allow your heirs to reap the rewards of your life’s work. All the prime ways to protect your wealth – trusts, wills, insurance and charity – are covered in detail.

You’ll discover such tricks of the trade as ...

  • The best way to place your property and assets inside a trust
  • How to arrange your assets if your children are “out of the nest”
  • Why your trust’s name is vital if you want to steer clear of the IRS
  • How a trust can keep your estate from your spouse’s future mate
  • How a trust can let a married couple shelter up to $10.5 million and live off the income for 10 years
  • Your Children, Your HeirsWays to determine how much life insurance coverage you need
  • How to get the best buy on life insurance
  • Why single-premium life policies are better than annuities
  • The kind of life insurance to switch to as you get older
  • How to keep your company intact after your death
  • A simple step that guarantees your estate will owe no taxes until five years after your death
  • Why not to leave everything to your spouse
  • What a will won’t cover in your estate
  • Who will inherit the right to collect if someone owes you money
  • Who pays your final taxes after your death
  • Why you should put life insurance in a trust
  • A trust that can let you escape the “big three” – income, gift and estate taxes – and still enjoy income for the rest of your life!
  • How to pay yourself a bonus to cover the cost of key-person insurance
  • How your children can own an insurance policy on your estate, paid for with money you give them
  • And much more!

Sophisticated estate planning isn’t simple. You’ll probably have to work with a professional to do it properly. But Your Children, Your Heirs will help you make sure you ask the right questions – and get answers that make sense.

After working hard all your life, paying taxes all the way through, you could wind up leaving more than half your estate to the IRS! It’s a terrible fact of estate tax law – a fact that you can avoid!

  • Your Children, Your Heirs spells out all of your options, allowing you to make the best choice possible for your legacy. Get your copy now!
Yes! I want to disinherit the IRS.

Your Children, Your Heirs can save you money by making the preliminary research easy. Once you read this special report, you’ll know the specific kind of trust and insurance you need now. Then you can ask a lawyer to simply draw up the papers, rather than paying $100 an hour for the same research you’ve already done!

Table of Contents

The Best Legacy of All
• Who Are Your Heirs
• Planning Through Life’s Cycles

1. Begin With the Basics
• The Impact of Estate Taxes
• Table 1: Estate and Gift Tax Exemptions, Rates
• How to Shelter $10.5 Million
• Bypass Trusts Can Be Lifesavers
• No Rest From the IRS
• A Matter of Trust

2. When Your First Child is Born
• Life Insurance: How Much Do You Need?
• Tailoring Your Coverage
• Start Out With Term Insurance
• Table 2: Present Value Factor Table
• Best Estate Tax Shelter: Your Spouse

3. When There’s a Will
• Which Assets Are Covered
• Drafting Your Will
• Naming an Executor

4. School Days: A Time of Change
• Stepping Up to Permanent Life
• Permanent Life vs. Term
• Reasonable Returns
• When to Change Your Will
• Setting Up a Minor’s Trust
• How to Avoid Probate Costs
• Using Powers of Appointment

5. High Hopes for Your Teenagers
• Variable-Life Puts You in Charge
• Saving for College: Section 529 Plans
• Deferred Annuities: Another Option
• Why Life Insurance Is Better
• Charitable Bequests

6. The College Years: Time for Higher Math
• Trim Your Estate, Year by Year

• Putting Your Trust in Trusts
• Establishing a GRAT
• GRATS Useful in Family Business Succession

7. Finally, the Kids are Grown
• Protection via a QTIP Trust
• Survivorship-Life Helps Pay Taxes
• Life Insurance Trusts
• Help for Your Surviving Spouse
• No Trust, No Control
• Ease Tax Bite on Your Pension
• Turn Your IRA Into a Money Machine
• Uniform Table
• Private Annuity: Three-Way Tax Avoidance

8. When the Grandchildren Arrive
• Charitable Lead Trusts
• Table 3: Discount Rate Impact
• Take Now, Give Later in CRTs
• Paying the Price
• Avoiding the Crackdown on CRTs
• Jumping Into the Pool
• The Waiting Game With CGAs
• Building a Dynasty
• Asset Protection in Some States

9. Taking Care of Business
• How to Keep Your Company Intact
• Selling the Business
• Don’t Come Up Short
• Anti-Antifreeze Strategies
• How to Defer Estate Taxes
• Split-Dollar May Keep Company Whole
• All-in-the-Family Sales

10. Putting the Pieces Together
• Take the Easy Steps First
• Early Distributions, Earlier Taxes
• Don’t Starve the Estate

Appendix: Last Will and Testament of John Doe

 

Your Children, Your HeirsYou’ve worked a lifetime to build your estate. Pass it on to your spouse and children – instead of the IRS. Get your copy of Your Children, Your Heirs today!

Sincerely,

Phillip A. Ash, CPA
President and Publisher

After working hard all your life, paying taxes all the way through, you could wind up leaving more than half your estate to the IRS! It’s a terrible fact of estate tax law – a fact that you can avoid!

  • Your Children, Your Heirs spells out all of your options, allowing you to make the best choice possible for your legacy. Get your copy now!
Yes! I want to disinherit the IRS.

P.S. Your satisfaction is unconditionally guaranteed. If you decide that Your Children, Your Heirs isn’t all we’ve promised and more, we will refund 100% of your purchase price – no hassles, no questions asked.

P.P.S. No matter what President Trump and Congress do, you can still protect your estate against higher taxes – IF you act quickly. Download a PDF version of Your Children, Your Heirs and start planning your estate right away. Get your copy now!