What if a sudden disability or illness prevents us from performing our daily responsibilities? How would our medical expenses be paid? Who would pay the accumulating household bills?

Family Capital Advisors helps you plan for life's unforeseen events with a proper estate plan and life, disability and long term care insurance. Don’t leave your spouse and children without the necessary resources to continue their current quality of life.

Estate Planning
Without the proper estate plan, estate taxes and probate can erase over half of your family's wealth putting your family’s safety and security in jeopardy. A successful estate plan can decrease estate taxes through the use of a Living Trust. A Living Trust will also allow your estate to bypass probate. The probate process is costly, estimated at 8% to 10% of gross estate; slow, normally taking between 9 to 24 months; and public, giving the world a view into your estate.

Other Estate Planning tools include ILITs, Family Limited Partnerships, Charitable Trusts and Gifting Programs.

Insurance
Plan for life's adversities! Should the worst occur, are we equipped to handle the situation? Where would we get the resources to face the crisis? Would life continue smoothly for our children? Why not plan to protect and provide for them?

Life insurance protects your loved ones’ futures. You want those close to you to be able to achieve their dreams in the event of your death. There are several reasons for purchasing life insurance such as replacing income, ensuring an education for children/grandchildren, and helping surviving family members cover funeral expenses, home mortgages, and other debts. Additionally, life insurance proceeds, which are usually tax-free, can cover estate taxes, protecting your assets.

We recommend that you transfer the risk to an insurance company. It's cheaper, safer, and smarter in the long run. Family Capital Advisors helps you choose the correct policies and amounts of life, disability and long term care insurance for your family.

Cash Management
Before embarking on an investment plan, it is imperative to have a safety cash fund. This fund will be available for those rainy days. Having money set aside for life’s unexpected adventures (i.e. job loss) allows for restful sleep and confidence to build a strong investment portfolio. Family Capital Advisors will review your monthly income and expenses and help you determine a proper budget and build an appropriate safety cash level.

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