IN THE BEGINNING OF AMERICA,

BEN

FRANKLIN SAID THERE ARE TWO

THINGS

THAT ARE CERTAIN IN LIFE,

DEATH AND

TAXES.

THE BIGGEST BROTHER WILL GET

A CHUNK

OF YOUR CASH.

HOW CAN YOU PROTECT YOUR

MONEY BEYOND

THE GRAVE.

TAKE A LOOK.

JEFFREY HAS BEEN

PRACTICING LAW

SINCE 1987 AND HAS BEEN HELT

THOSE --

HELPING THOSE SORT OUT THEIR

INHERITANCE.

WHEN IT COMES TO FAMILY

INHERITANCE

FAMILY LOYALTY GOES OUT THE

WRONG

WINDOW.

HOE TO KEEP YOUR FAMILY

TOGETHER

WHILE DIVIDE YOUR ESTATE.

JEFFREY IS WITH US.

THANKS FOR BEING WITH US.

PAT, THANK YOU FOR HAVING

ME BACK,

MY PLEASURE.

YOUR BOOK , "BEYOND THE

GRAVE".

THEY SAY WE LOVE EACH OTHER.

WE WOULDN'T FIGHT.

IT DOESN'T WORK THAT WAY.

IT REALLY DOESN'T, PAT.

THERE IS ONE HARSH AND

UNIVERSAL TRUTH

AND THAT IS PEOPLE HAVE AN

EXPECTATION OF BEING TREATED

FAIRLY

FANNED THAT EXPECTATION IS

NOT MET OR

EVEN THE EXPECTATION THAT

IT'S NOT

MET, THEN THERE WILL BE

JEALOUSY,

THERE WILL BE CONFLICT AND

THERE WILL

BE DESTRUCTION OF THE FAMILY

RELATIONSHIP.

YOU'VE GOT ONE SON AND

MAYBE HE

STARTED THAT COMPANY AND MADE

MILLIONS

AND EXCEPT THERE IS A FACTORY

WORKER

AND THE FAMILY LEAVES THE

FACTORY

WORKING ALL THE MONEY AND

THAT'S NOT

THE WAY TO GO.

THEY ARE DOING AN ECONOMIC

JUSTICE

BY LEAVING MORE OF THE ASSETS

TO THE

CHILD WHO NEEDS IT MOST.

YOU NEED TO LOOK AT IT FROM

THE

SUCCESSFUL CHILD WHO SAYS

LOOK WHAT I

HAVE DONE, I HAVE ACHIEVED

SUCCESS TO

BRING HONOR TO MY PARENTS, TO

MY

FAMILY AND GOD.

BUT LOOK AT WHAT MY FAMILY

DID.

THEY PUNISHED MY SUCCESS AND

REWARDED

MY SISTER'S FAILURE.

YOU THINK THAT WAY.

THEY DON'T WANT ECONOMIC

JUSTICE.

THEY WANT WHAT THEY CONSIDER

FAIRNESS.

ABSOLUTELY.

PAT, LET'S TALK ABOUT THE

LIFETIME

GIFTS.

WHEN WE ARE PARENTS, WHAT WE

DO IS WE

HELP OUR CHILDREN AT A TIME

WHEN THEY

NEED THAT HELP AND WHEN THEY

GIVE THAT

FINANCIAL HELP, WE ARE NOT

KEEPING A

SCORECARD.

WE JUST DO WHAT WE DO.

BUT THERE ARE OTHERS THAT ARE

KEEPING

A SCORECARD AND THAT IS YOUR

CHILDREN.

THEY ARE NOT TELLING YOU BUT

THEY ARE.

THEY DON'T WANT TO GIVE YOU

THE FALSE

IMPRESSION THAT THEY ARE

GREEDY AND

WHEN THEY DIE, THERE IS A

LIVING TRUST.

IF THAT SCORECARD, TALLY

REVEALS A

SUBSTANTIAL DISCREPANCY IN

THE AMOUNT

OF LIFETIME GIFTS YOU GAVE TO

THE

CHILD, THE ONE THAT GOT LESS

IS GOING

TO FEEL PRESSURE TO EQUALIZE

FOR THE

PARENT'S FAILURE TO EQUALIZE.

WHAT ABOUT THE SPOUSE, IN

MOST

ESTATES IT'S NOT GOOD TO

LEAVE TO THE

SPOUSE.

WHEN I GO TO THE

RETIREMENT PLACES,

WOMEN ARE NOT SO LUCKY LIKE

MEN WHO

SOMETIMES DIE OVER NIGHT.

THE WOMEN MAY IS SURVIVE

THEIR

HUSBANDS BY 20 YEARS AND A

LOT CAN

HAPPEN DURING THAT TIME AND

DURING

THAT TIME, MOM MAY ENTER A

ZONE OF

INCAPACITY AND THERE IS A

CHANCE SHE

MAY LOSE OWNERSHIP AND

CONTROL OF HER

WEALTH. WE WANT TO GIVE MOM

OWNERSHIP

AND CONTROL OF HER ASSETS FOR

HER

CARE, MEDICAL AND COMFORT AND

HEALTH.

HE MAY WIND UP LOSING HER

ASSETS TO

THE LAST CARETAKER OR THE

CHILDREN

GRASPING FOR THE INHERITANCE.

SHE MAY ALSO COME ALONG A

SEEKER

WHO GETS MARRIED TO HER AND

TAKES IT

ANYWAY.

ABSOLUTELY.

WE WANT TO MAKE SURE MOM

DOESN'T

DIVERT THE MONEY FROM THE

BLOOD LINE

TO HER HUSBAND AND MAYBE HIS

KIDS.

THAT SOMEONE IS PAYING

MORE TAXES

THAN HE HAS TO.

MY FATHER WAS SAYING THAT.

PAT, WHAT WE HAVE TODAY IS AN

ESTATE

TAX EXEMPTION WHICH MEANS THE

AMOUNT

OF PROPERTY THAT YOU CAN OWN

WITHOUT

THE IRS TAKING THAT EXEMPTION.

99.9

PERCENT OF AMERICANS DON'T

HAVE OVER

$5.4 MILLION.

AT THE ESTATE HAS BEEN WIPED

OUT

EXCEPT FOR THAT 00.4 PERCENT.

THAT'S NOT BAD.

WHEN DID THEY PUT THAT IN

IN?

THE NEW TAX LAW CAME IN

2013.

THAT'S QUITE AN EXEMPTION.

IT IS.

IN FACT ONE OF THE I MPETUS

FOR THIS

TO PROVIDE BEYOND THE GRAVE

IS TO

PROVIDE THIS NEW STATE TAX

LAW.

WHAT DO YOU DO TO QUALIFY?

YOU DON'T HAVE TO DO ANYTHING

TO

QUALIFY?

THE STATE CANNOT IMPOSE A

STATE TAX

FOR WHAT YOU DON'T OWN.

IF YOU HAVE ASSETS THAT YOU

DON'T NEED

OR YOU WON'T MISS, THEN

MAKING GIFTS

OF THOSE ASSETS IS THE

SIMPLEST WAY TO

SAVE THE STATE TAXES.

LAST QUESTION, A PERSON

SAYS WHO

CARES, I'M GOING TO BE DEAD

ANYWAY.

I HAVE TWO ANSWERS.

THE INHERITANCE PLAN IS THE

LAST

LESSON YOU ARE GOING TO LEAVE

TO YOUR

CHILDREN.

IF THAT LESSON GOES SOUR, SO

DOES YOUR

MEMORY OF CHILDREN.

LAST WEEK YOU HAD A MESSAGE

BY SAYING

TO PLAN FOR YOUR MARRIAGE AND

ALSO YOU

LIVE A GODLY LIFE TO PLAN SO

THE

ASSETS ARE AROUND FOR YOUR

KIDS AND

ULTIMATELY YOUR GRANDCHILDREN.

IT MAKES SENSE.

IT'S CALLED "BEYOND THE

GRAVE"

YOU CAN GET THIS AT

AMAZON.COM OR

BARNES & NOBLE .COM.

YOU DON'T HAVE TO HAVE A

LOT OF

MONEY TO LEAVE FOR WHICH YOUR

CHILDREN.

THANK YOU SO MUCH FOR BEING

WITH US.

THANK YOU AGAIN, PAT.