Let's start with two facts you must burn into your mind. First of all, your estate plan must start now with a life-time plan. Waiting for your plan to become effective when you go to heaven (like a typical A/B trust for husband and wife) can never be a tax-saving plan, but an estate tax trap that enriches the IRS instead of your heirs (usually your kids and grandkids). Secondly, your life-time, tax-saving plan must be asset based. For each significant asset you own, decide what you want ...

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