Senior Citizen Consultant, Inc.

Non-Investment Concerns

Loss of Spouse

Like many people, this may be the most traumatic event in your life. The reasons vary, but, in essence, they are:

• Loss of best friend
• Loss of support person
• Loss of retirement consultant
• Loss of someone you knew very well

Estate Planning

You have a retirement that you're comfortable with, but one day you are not going to be here. Where do you want your assets to go?

Many people think estate planning is only for people who don't want to pay estate tax or death taxes. But families do have significant assets, such as insurance, bank deposits, real estate, etc.

Where do you want your assets to go?

Lawyers Family members who are spendthrifts Charities Grandchildren

There are techniques you can use:
Sprinkle trusts, grandchildren-only gifts, outright gifts, etc. This may seem hard and tedious. However, we can simplify this process and it's one of the things that must be done.

Avoiding Probate

Having a will that's appropriate for you is very important. There are numerous techniques:

• JTWROS
• Named beneficiaries
• Simple trusts
• Sometimes its better to have your assets inside or outside your estate

We look at what's appropriate for you and give you a clear explanation for it.