Florida Estate Planning Information

"Your local South Florida Estate Planning Specialist!"

We offer experienced estate planning services throughout the following
south Florida counties and cities: Miami-Dade County, Broward County,
Palm Beach County, Coral Gables, Kendall, Richmond Heights, Pinecrest,
Howard, Coral Way Village, Westchester, Westwood Lakes, Brownsville,
Sweetwater, Key Biscayne, North Bay Village, Miami Beach, Miami
Springs, Virginia Gardens, Hialeah, El Portal, Miami Shores, Indian Creek,
Surfside, Bal Harbour, North Miami, Biscayne Park, Pinewood Park, Opa
Locka, Bunche Park, Hialeah Gardens, Palm Springs North, Carol City,
Miami, Norland, Ojus, Miami Lakes, Biscayne Gardens, Hallandale, Sunny
Isles Beach, Golden Beach, Aventura, Uleta, Miramar, Pembroke Pines,
North Miami Beach, Hallandale Beach, Ives Estates, Pembroke Park,
Hollywood, Dania Beach, Cooper City, Davie, Weston, Plantation, Playland
Isles, Melrose Park, Lauderhill, Sunrise, Tamarac, Fort Lauderdale, Wilton
Manors, Oakland Park, Lauderdale Lakes, Sea Ranch Lakes, Pompano
Beach, Margate, Coral Springs, North Lauderdale, Lighthouse Point,
Hillsboro Beach, Coconut Creek, Deerfield Beach, Boca Raton, The
Hamptons, Highland Beach, Boca West, Delray Beach, Boca Pointe,
Boynton Beach, Lantana, Rainbow Lakes, Atlantis, Lake Worth, South
Palm Beach, Palm Springs, Greenacres, Wellington, Haverhill, Palm Beach,
Golden Lakes, Riviera Beach, Glen Ridge, West Palm Beach, Lake Park,
Royal Palm Beach, Jupiter, Juno Beach, North Palm Beach, Loxahatchee,
Belle Glade, Palm Beach Shores, South Miami, Cutler Ridge, Princeton,
Perrine, Naranja, Homestead, Florida City, and Leisure City, FL

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Insurance Benefit Agency, Inc.

Florida Estate Planning Specialists

"Your south Florida

Estate Planner"

Estate planning is utilized for accumulating, conserving,
and distributing assets according to your wishes after
your death. Successful estate planning transfers your
assets to your beneficiaries quickly and usually with
minimal tax consequences.

The process of estate planning includes inventorying
your assets and making a will and/or establishing a trust,
often with an emphasis on keeping inheritance taxes as
low as possible.

Even if your estate is not likely to be subject to federal
estate taxes, an experienced estate planner may be
necessary to be certain that your intentions for disposition
of your assets are followed.

Some estate planning methods that can be used to
minimize federal taxes on your estate include the
following:

Federal tax law generally allows you to give up to
$11,000* per year to anyone without paying gift taxes,
but is subject to certain restrictions. This means you
can transfer some of your wealth to your children or
others during your lifetime to reduce your taxable
estate. For example, you could give $11,000 a year to
each of your children, and your spouse could do
likewise (for a total of $22,000 per year to each child).
You may make $11,000 annual gifts to as many
people as you wish.

Giving Away Assets During Your Lifetime

Life Insurance Trusts - Estate Planning

Life insurance trusts can be designed to keep the
proceeds of a life insurance policy out of your estate
and give your estate necessary liquidity. You can fund
a life insurance trust either by transferring an existing
life insurance policy or by having the trust purchase a
new policy. To avoid inclusion in your estate, such
trusts must be irrevocable, which means you can't
dissolve the trust or change the terms if you change
your mind later. With experienced Florida Estate
Planning, the proceeds from life insurance held by the
trust may pass to trust beneficiaries without income or
estate taxes. This will give beneficiaries cash that can
be used to help pay estate taxes or other expenses,
such as funeral costs.

* The $11,000 annual gift tax exclusion will be adjusted
for inflation, and the exclusion applies only to a gift of
a present interest in property. Therefore, gifts made
intrust generally will not qualify for this exclusion.

Bypass or Credit Shelter Trust - Estate Planning

A credit shelter trust can provide income to the surviving spouse for
life, then upon the death of the surviving spouse the assets are
distributed to beneficiaries, such as children. An experienced estate
planner can utilize existing Florida law so the couple is able to pass on
a substantial estate tax free to their beneficiaries.

Click on the link below to fill out an Estate Planning contact form or
call us toll free at 866-454-9555 to speak with our Financial Planner.

Individual Insurance

Property Underwriters of Florida

Insurance Benefit Agency, Inc.

409 W. Hallandale Beach Blvd.

Suite # 215

Hallandale, Florida 33009

(305) 931-5988

(954) 454-9599

Toll Free: (866) 454-9555

Fax: (954) 843-0313

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