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You want to decide what kind of wealth transfer is right for you and your beneficiaries ahead of time.
Nonqualified money includes such things as stocks, bonds, brokerage accounts and certificates of deposit (CD).
He recommended planning as a family, as long as its not a sudden death or incident.
There may also be low-cost services available to those who dont have a lot to spend.
Many people find this out the hard way when they get divorced or remarried.
If you dont communicate these things, nobody can follow through on your wishes.
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