Do you have a will? Then you have an estate plan. However, it may not do what you want it to do, and the last thing you should be worried about is death.

Estate Planning, in my opinion, is not planning that is done to figure out what happens at death. I take a more open-ended approach to the topic. Your estate is really whatever assets you have, including your business. Those assets can be used up and destroyed, without substantial planning in all of the areas we have been discussing in this topic of executive coverage, without you dying.

At a minimum, you, as a business owner, need life and disability insurance designed to protect you and your business before almost anything else.

The key aspects of financial planning for estate purposes are:

• Protection of business assets
• Protection of personal assets
• replacement of income in the event of disability
• "cash-out" strategies in the event of a permanent disability

All these and more are objectives that you should consider. Estate planning is not purchasing life insurance. It is developing fundamentally sound strategies to protect you and your family, your assets, your position in the event of a catastrophic event.

We have the tools and the techniques ready to assist you with this type of planning. Please call us for a friendly chat at 303-422-1660.

And, if you don't have a will, life insurance, disability insurance, and long term care coverage, call us NOW...

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