Marcel V. Kuper
                   CPA - PFS - CFE

500 W Palatine Road - Wheeling,  Illinois 60090 - (847) 215-8630 - Fax: (847) 215-8632

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Financial Plan, Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist. Financial Plan, Financial Planning Strategies

Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.

Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.

Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.  Site Map
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.  CPA/PFS
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Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.  Financial Planning

Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.  Planning Strategies
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.  Retirement Planning
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.  Estate Planning
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.  Tax Planning
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.  Life Insurance
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.  Business Services
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.  Buy/Sell Agreements
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.  401(K)
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.  Pension Plans
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.  Profit Sharing Plans
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.  IRS Audit Help
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.  IRS Collections Help
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.
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Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist.

 

 

 

Life Time Planning, Inc. - Financial Planning Strategies

Financial Planning Strategies

Financial Planning Strategies

Financial Planning Strategies
Once you have a basic understanding of estate planning preliminaries and the estate tax, it's time to look at some ways you can plan for your assets to pass to the people you want, in the manner you want, at the least federal estate tax cost.

Financial Planning Strategies Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist. Credit Shelter or By Pass Trusts

A credit shelter or by pass trust can help both you and your spouse take advantage of the unified credit and transfer up to $ 1.2 million in assets to your children or other heirs free of federal estate tax.  To underscore the value of this planning strategy, see the simplified example belowIt shows what can happen when both spouse's unified credits aren't used.

Example

When Frank died, he had a taxable estate of $ 1 million which he left to his wife Helen.  His estate paid no federal estate tax because of the unlimited marital deduction.  Frank's unified credit wasn't used.  When Helen died, her taxable estate also was worth $ 1 million.  Because Helen hadn't married again, the marital deduction was unavailable to her estate.  Helen's estate claimed a unified credit, but this credit effectively exempted only $ 600,000 of her property from tax.  Helen's estate was subject to an estate tax of more than $ 150,000.  Using a credit shelter trust could have eliminated the tax on Helen's estate.

One way to make the most of your and your spouse's unified credits is to arrange for your estate to be divided into two parts at the time of you death.  One part would pass outright to your spouse.  The second part would be placed in at trust created by your Will.

This trust can pay your surviving spouse a lifetime income and then benefit your children or other named beneficiaries after your spouses death.  You can even give your spouse limited power to withdraw trust assets.  Some people limit the amount in the credit shelter to $ 600,000 so that any tax on the trust will be offset by the unified credit.

At your death, your unified credit will be applied against the assets in the credit shelter trust.  If those assets are worth $ 600,000 or less, no estate tax will be due.  And no tax is due on the assets passing to your spouse, either, because of the unlimited marital deduction.  At your spouse's death, the credit shelter trust assets will pass to your children or other trust beneficiaries.  The assets won't be taxed as part of your spouse's estate.  The assets that passed to your spouse under the unlimited marital deduction will be included in your spouse's estate.  However, your spouse's unified credit will be available to off set tax up to $ 600,000 of those assets.

We welcome the opportunity to help you reach your goals.

Other Financial Planning Strategies
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist. Two Trust Estate Plan Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist. Minor Trust Gifts
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist. QTIP Trusts Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist. Crummey Powers
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist. Life Insurance Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist. Personal Residence Trusts
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist. Lifetime Gifts Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist. Charitable Gifts
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist. Annual Gift Tax Exclusion Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist. Charitable Remainder Trusts
Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist. Medical & Tuition Exclusions Financial Planning, Financial Planning Strategies, Financial Plan. Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist. Charitable Lead Trusts

For more information please feel free to browse around our web site.  We are always happy to answer any questions, or to schedule a consultation:
Email Us or call us at 847-215-8630.

 

 

 

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Financial Plan, Financial Planning Strategies, Life Time Planning, Inc., Marcel V. Kuper, PFS - Personal Financial Specialist. Financial Plan, Financial Planning Strategies

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Nothing on this web site should be construed as providing specific financial, investment, insurance, business, tax or legal advice.  You should consult with a CPA, accountant, tax advisor, insurance representative, or legal counsel prior to making such decisions.  We do not collect, sell, trade or distribute any personal information, of visitors to this web site.  If you choose to email Marcel Kuper at Life Time Planning, Inc. for further information, any information you disclose will be treated as confidential.

M.V. Kuper P.C.

500 W Palatine Road Wheeling,  Illinois 60090

(847) 215-8630  Fax: (847) 215-8632

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