ESTATE PLANNING by JAY PERRY

Contrary to what many might believe, estate planning does not necessarily end at the death of the testator. At this point, the executor and beneficiaries of the deceased are likely to want to undertake further estate planning, particularly in the area of taxes. Regardless of the date of death, a descendants’ final income tax is due by April 15th of the following year. Among the decisions to be made is whether or not it is most beneficial to file a joint return with the descendant’s surviving spouse or whether to file a separate return. If the descendant had a significant capital loss or net operating loss, a joint return may well be a good choice because these carry-forwards end at death and would be lost otherwise.

There are financial realities and responsibilities that accompany the loss of a spouse or other family member. Without an estate plan, much of your hard-earned assets could be subject to high taxes. I encourage readers to protect their loved ones from unnecessary financial and emotional stress. At KRAMER & KRAMER ESTATE PLANNING we offer guidance on Trusts, Annuities, Mutual Funds, and Long-Term Care. We can review your current Trust for FREE. Call me at 623-544-2201 to arrange a FREE CONSULTATION! We do informative FREE SEMINARS every month, so call for seminar times and dates.

Maximizing CD Power by JAY PERRY

To get the most from certificates of deposit (CDs), stagger CD maturities by purchasing a variety of maturity dates. That way, if the interest rates rise, you can reinvest CDs that mature at the new rate. If rates fall, longer-term CDs will be earning the old, higher rate. Also, automaticially invest CD interest in a money market deposit account. You will earn interest on your interest, and have access to the money without incurring a withdrawal penalty. Finally, if higher rates are being offered on larger CDs, it may pay to roll over several small CDs into one big one. Renew all smaller CDs so they mature on that date, then reinvest in one large CD with a higher rate.

At Kramer & Kramer Estate Planning we help people to identify their financial objectives and establish steps to reach them. We emphasize Long-Term Estate Planning and remind readers that it’s important to establish a savings and investment plan that is based on their needs, tolerance for risk, and future inflation rates.

We offer guidance on Trusts, Life Insurance, Annuities, Indexed Annuities, Mutual Funds, and Long-Term Care. We can also review your current Trust for FREE. Call me at 623-544-2201 to arrange a FREE consultation. We do informative FREE seminars every month, so call for seminar times and dates.

Ready to Retire? by JAY PERRY

Many retirees express the wish that they’d kept on working instead of retiring when they did. This bit of news comes from a recent study conducted by Louis Harris & Associates in which more than seven million retirees nationwide said that they should not have retired merely because they reached retirement age. This regret was more than twice as likely to be expressed by those who had not completely prepared for their retirements. More than one-fifth of the retirees surveyed said that they should have kept working. Why? “The Need for Money” (cited by 23%) was only second to “my retirement was unexpected” (40%) as the leading reason expressed for the regret. This all goes to show that financial readiness better determines retirement age than age alone.

Financial security doesn’t happen by accident. Regardless of your age, it’s important to formulate a financial plan that can sustain you in the event of an unexpected job loss or an early retirement. At KRAMER & KRAMER ESTATE PLANNING we can help you determine what level of income you need to live comfortably in your retirement years. We offer guidance on Trusts, Annuities, Indexed Annuities, Mutual Funds, and Long-Term Care. We can also review your current Trust for FREE. Call me at 623-544-2201 to arrange for a free consultation. We do informative FREE seminars every month, so call for seminar times and dates.

Jay Perry Contact Information

Hello,

I have recently updated some of my contact info. Feel free to add me on the following sites:

Plurk.com: http://www.plurk.com/user/JayPerry

Twitter: http://twitter.com/jayperry

Linkedin: http://www.linkedin.com/in/jaykperry

Wink.com: http://wink.com/p/Jay-Perry

Technorati.com: http://www.technorati.com/people/technorati/Jayperry

Stumbleupon: http://jaykperry.stumbleupon.com/public/

Feel free to add me on those sites! See ya there!

Jay K. Perry

Phoenix, Arizona

Tips on Saving Money for Retirement!

Jay K. Perry, Certified Estate Planner and financial expert with 14 years of financial planning and investment experience will log in and Post his thoughts and money saving tips on which investment are wise for long term money making.

A possible recession? By Jay Perry

Are we headed for a Recession? That is the question- well I dont know about anyone else but I havent seen anything getting any better. Inflation is up, our general economy is slowing down in many different ways, our debt is continuing to rise, and our interest rates are low and probably will not go any lower, and our dollar has been devaluing for 40 years. This is due to potentially putting our economy into a deflationary time period which is much more dangerous than an inflationary time period. So if Deflation is much more dangerous to our economy than Inflation, then we can expect interest rates to rise in the future. As interest rates go up Stocks, Bonds, Mutual funds and most security oriented investments in general will fall in value. The reason is due to the higher costs for borrowing, the higher the price of an item the lower volume a company is able to sell, the lower volume the less profitable a company is, which in turn reduces the stock price as they continue to miss estimates and become less and less profitable. Also tax rates go up which affects averyone and continues to give us less and less buying power with our money. Now can this potentially put us into a Depressionary time period. Absolutely, If you look in history no Debtor Economy, Society, or Country has ever survived. How is our country going to be different? These are some thoughts on the subject. The signs are in front of us. Anyone out there who doesnt have exit plans out of the market may want to think of some and plan to move out of the market sometime in the future.

Annuities by Jay Perry Certified Estate Planner

Jay K. Perry Estate Planner Arizona will post his opinions here on investing in annuities. Jay Perry has been an Estate Planner in Arizona for more than 11years.

Probate by Jay K. Perry

Jay K. Perry Estate Planner Arizona will post his opinions here as an Estate Planner in Arizona on Probate.

Revocable Living Trusts by Jay Perry

Jay K. Perry Estate Planner Arizona will post his opinions here on buying a trust, attorneys, probate, wills, and power of attorny.

The Bond Market by Jay K. Perry

Jay K. Perry Estate Planner Arizona will post an article here based on his opinions of investing in The Bond Market versus other investments