Really, I do not know how many times I have asked the question, “Would you like to learn how to kill the estate tax monster?” when giving one of my many tax-saving seminars or over the phone when a reader of this column calls me. The response from the audience or the caller is almost always the same, an enthusiastic “Yes,” followed by something like, “Irv, how do you do that?” The answer is with the System designed to keep all of your wealth in your ...

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