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1 Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.

THE BEST THING YOU CAN LEAVE YOUR FAMILY IS A PLAN

Estate planning may make you think about who will inherit your home, coin collection, and family heirlooms. But estate planning is much more than just physical property.

An estate plan really encompasses everything that is you. From decisions about your health, �nances, and legal commitments to protecting and ful�lling obligations to your family, a detailed estate plan can be a thoughtful and generous gift to your loved ones.

Trusts may help you avoid the delays of probate

and provide �nancial protection for your family.

They can also help you make a contribution

to your favorite charities.

Helps preserve the federal and/or state estate

tax exemption amount of the �rst spouse to die by using it to fund a trust for the bene�t of the surviving spouse and children. Protects assets from creditors and offers tax1 advantages.

You can transfer all that you own to your spouse without any

federal estate or gift tax.1 But, a �nancial professional can determine if you

should do so via outright gift or marital trust.

Who can act on your behalf if you

are disabled, incapacitated or

even unavailable to make �nancial

decisions?• What kind of

care do you want?

• Who will make medical decisions on your behalf? • Do you want life-sustaining

treatment?

Your Estate Includes:• Annuities• Bank Accounts• Bonds• Business Interests• Cash• CDs• Inherited Valuables• Life Insurance• Mutual Funds• Notes Receivable • Personal Property • Real Estate • Retirement Plan Assets• Stocks

DURABLE POWER of ATTORNEY

LIVING WILL and HEALTHCARE PROXY

OTHER TYPES of TRUSTS

WILL

• Who will receive your individual assets?

• Who will be your estate executor?

• Who will be the guardian of minor children?

BENEFICIARY DESIGNATIONS

Don’t forget to keep your beneficiary designations up to date – especially if you have had life changes like a new marriage or divorce. Consider your IRAs, quali�ed plans, life insurance policies, and any assets you want to distribute.

TAXES

If your family’s estate is not currently subject to federal estate and gift taxes, it may be in the future. It is important to work on a strategy to help protect against changes in tax law.

CREDIT SHELTER TRUST

UNLIMITEDMARITAL

DEDUCTION

Contact me today to learn more about what is right for you. Visit www.GuardianLife.com.