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Home / Estate Planning / Retirement Planning and Estate Planning – Why The Two Go Hand in Hand

Retirement Planning and Estate Planning – Why The Two Go Hand in Hand

February 3, 2012

Estate Planning Tagged With: Estate Planning, Retirement Planning

Most people have created some type of retirement plan as well as an estate plan; however, people often fail to understand why the two need to be considered together instead of independently.

Think of it this way. Your retirement plan involves money and assets. Your estate plan also involves the same money and assets. Therefore, when you create one plan, you should consider how it will affect the other plan. Likewise, when you change one, you will likely need to change the other as well.

Take, for example, assets that you currently have in savings or in an investment account. You may be counting on those funds to support you during your golden years. Your current estate plan may direct that those assets go to your spouse or children upon your death. What happens, however, if you find that you need to place those assets in an asset protection trust in order to qualify for a program such as Medicaid as you age? A change such as that will also require you to make a change to your estate plan in the form of the creation of a trust.

By the same token, your current estate plan may include trusts for your young children in the event of your unexpected death. As you age, however, you may decide to terminate those trusts and use the funds for your own retirement once your children are grown and self-sufficient.

Because the two go hand in hand, you should make a point of reviewing one whenever you make a change to the other.

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Paul Gantner
Paul Gantner
I am an owner of Amen, Gantner & Capriano, Your Estate Matters, L.L.C. I have been able to bring my business and legal education and experience into a firm that has for many years provided comprehensive estate plans that meet clients’ needs and expectations.My passion has been creating and constantly pushing AGC’s mission of “Helping Families Secure their Legacies by Embracing them into the Law Firm Family through Long-term, Personal Advisory Relationships.”
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About Paul Gantner

I am an owner of Amen, Gantner & Capriano, Your Estate Matters, L.L.C. I have been able to bring my business and legal education and experience into a firm that has for many years provided comprehensive estate plans that meet clients’ needs and expectations. My passion has been creating and constantly pushing AGC’s mission of “Helping Families Secure their Legacies by Embracing them into the Law Firm Family through Long-term, Personal Advisory Relationships.”

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