4426 E. Maplewood Street Gilbert, AZ 85297
Arizona Insurance & Estate Planning 
We are professional advisers experienced in drafting wills, trusts and estate plans for high and middle-income families throughout Arizona. In addition to estate planning services, we provide retirement planning, and all forms of risk management insurance including life, health and long term care insurance. Anyone who has been married or divorced, has adult or minor children from any marriage, owns real estate or has significant assets can benefit from estate planning. We can draft any type of will or trust agreement. If a person dies with or without a will, his estate will be administered by the court. This process is known as "Probate" and is a public proceeding that can last anywhere from 6 months to two years. When there is no will, known as "intestacy," the court will distribute the estate according to Arizona law. If there is a will, the court will distribute the assets according to the instructions in the will. However, will provisions may be challenged and during the time the estate is supervised by the court, attorney and court fees are eating away at the assets of the estate. If you transfer assets to a living trust you can avoid probate in Arizona. If you want to keep your assets private, distribute them according to your wishes, and avoid unnecessary legal fees, we recommend that you have a living trust. With a living trust, you transfer ownership of your assets from your personal name to the name of your living trust. You may select yourself as the trustee of your trust so that you will retain control of your assets during your lifetime or until you are incapacitated or pass away, at which time your successor trustee will take over and will follow your instructions as indicated in the trust agreement. In addition to an estate plan, we recommend that individuals and families have adequate life insurance, health insurance and long term care coverage to manage any unexpected risks that may arise. Our life insurance plans assist you in preserving your wealth by leaving an income-tax-free death benefit to your beneficiaries. Your family will be protected from financial loss and will be able to maintain their standard of living after you're gone. Our health insurance plans will protect yourself from medical emergencies. Our long term care insurance plans will protect your assets if you require nursing home care in the future. You may have concerns about increasing longevity, the erroding effect inflation can have on your purchasing power, and the possibilty of outliving your assets. If you have these concerns, we offer some fixed annuity (not variable annuity) product choices. Fixed Annuities can offer tax-deferred accumulation and guaranteed income streams for the life of yourself or your spouse. Our Fixed Interest Annuities earn a fixed rate of interest like a bank certificate of deposit but they also offer tax deferral on your earnings (which bank CDs do not), meaning you do not pay taxes on your earnings until you actually withdraw them from your policy. Your tax-deferred earnings will compound over time. Our Fixed Index Annuities offer additional growth for your assets. These annuities let you participate to a certain extent in gains in the stock market, but not in any market declines. Gains are locked-in on a yearly basis and accumulate tax-deferred during the accumulation period. During distribution, you can select income for your life or your spouses life, with the remainder going to your beneficiaries. Is Estate Planning Necessary In Arizona?
Revocable Living Trust To Control Assets
Insurance To Manage Unexpected Risks
Annuities That Provide An Income Stream For Life
