estate planning  Top Reasons to Do Estate Planning  The general
purpose and use of these family revocable trusts are to help an
individual avoid the costs associated with the probate process,
reduce and in many cases eliminate federal and state estate
taxes, and ensure the proper disposition and control of their
assets to their family members following their demise.  How does
the fiscal cliff impact your estate planning decisions?  The
fiscal cliff is coming. What is it and how does it impact your
estate planning decisions? The current estate tax table starts
at 30% and quickly graduates to 45% of your total taxable
estate. Again, this is what the law is today, and with all the
talk lately of the need for money by the federal government, and
thus far the lack of any legislative attention to the expiring
tax law and the impending fiscal cliff, coupled with the
uncertainty of the upcoming election, it appears that little
action will be taken prior to January 2013.  Free financial and
estate planning seminar  WR