It starts with strategic planning. You want to be protected but you don't want to pay for superfluous or redundant coverage. Yes, the old insurance question. Everyone hates it until you need it. To reduce your estate tax bill, you have 4 choices:
Financial planning means putting your incomes and expenses on a scale to achieve monetary equilibrium or upward mobility on your income levels.
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You want to be protected but you don't want to pay for superfluous or redundant coverage.
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Also, consider simplifying the task of planning for retire.
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