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November 2018 Newsletter

News from Samuel, Sayward & Baler LLC for November 2018  includes the articles: Five Questions to Ask Before Creating an Irrevocable Trust, How to  Prepare for a Bear…..After Ten Years of Bull (markets), National Special Needs Law Month – October, Ask SSB, and What’s New at Samuel, Sayward & Baler LLC.    

Five Answers to Your Questions about Using Trusts to Save Estate Taxes

Although all citizens or residents of the United States are subject to the federal estate tax at death, the current federal estate tax exemption of $11.2 million per person means that most of us will not pay a federal estate tax at death.  However, Massachusetts has the distinction of being one of only 18 states to […]

Get An Estate Plan Now. If You Have One Already, Review It.

Make things easier for the people you love. In 2008, the U.S. House of Representatives passed a resolution to congratulate the Celtics as NBA World Champions.  That same day, the House passed a bill declaring that the third week of October would be National Estate Planning Awareness Week, recognizing that half of the country does […]

How to Prepare for a Bear…..After Ten Years of Bull (markets)

As the US stock “bull market” enters its tenth year since beginning in 2009 (meaning ten years of increasing stock prices), articles about “the coming bear market” (a stock market drop of 20% or more) have been appearing in the financial press with some frequency. For retirees and people considering retiring in the next few years, the […]

Ask SSB

Q: What is the difference between a Will and a Trust? A: That is an excellent question and one we get from many people. Both Wills and Trusts are documents used to direct how assets will be distributed when the maker of the Will or Trust dies.  However, a Trust can do so much more […]

Five Answers to Your Questions about the Massachusetts Estate Tax (from An Estate Planning Attorney)

The Massachusetts estate tax is a little-understood tax that impacts middle-class families in our fair state every year.  If you live (and die) in Massachusetts and own a home, a retirement account, and a life insurance policy, there is a good chance that your “estate” is large enough to be subject to estate tax.   Here […]