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Rich in America Secrets to Creating and Preserving Wealth PHẦN 9

thông báo khi họ làm cho các quyết định. Cuối cùng, sau khi nghe về những khó khăn có thể xảy ra với người giám hộ do tòa chỉ định, xem xét lại anh kế hoạch của mình và thực hiện một lựa chọn người giám hộ hợp lý. Nhưng ông vẫn tiếp tục từ chối để trẻ em bất cứ khoản tiền nào. | 190 Rich in America informed when they make these kinds of decisions. Eventually after hearing about the difficulties that can occur with court-appointed guardians he rethought his plan and made a sensible guardian selection. But he continued to refuse to leave his children any money. Another wealthy couple who came in to see us recently had a different attitude. They had begun their estate planning many years ago with another advisor and appreciated the power of giving money to their two children while they were still alive currently an individual may give up to 11 000 and a couple may give up to 22 000 per recipient each year without incurring a gift tax . This couple couldn t have been nicer and more considerate. Their only problem was that they had given away so much of their money that they now had to ask their kids to give some of it back. It wasn t that they needed the money to live on because they had already taken those expenses into consideration. But this couple had established a lifetime habit of donating to charity and had come to realize that they no longer had enough money to continue giving as they wished. The situation was embarrassing for them although their children grateful for everything their parents had done for them had no problem with the request. The couple just hadn t thought through their planning carefully enough to determine the cash flow they really needed to give to charities in the manner to which they had grown accustomed. The Importance of Estate Planning As these stories illustrate estate planning is the most subjective of the wealth management and financial planning disciplines. Decisions often must be made without the benefit of empirically correct answers that are available when balancing issues surrounding say income taxes or retirement. Think of all the personal questions that must be addressed Estate Planning 191 Do I leave my assets outright to my spouse or in a trust If I don t leave them in a trust how do I know my .