"The Wealthy Have Their
Lawyers Do It . . ."

Dear Colleague,

From: Randy Gage
April 8, 2005
4:30 pm

Dear Friend,

If you think that preparing a Last Will and Testament will protect your family and loved ones after you’re gone—think again.

If you believe your assets are safe from frivolous lawsuits, bitter ex-spouses, dishonest former employees, and money-grubbing con artists—you’re dead wrong.

And if you think your most secret financial details are private, and protected from prying eyes and identity theft—let me clue you in. They’re not.

Let me ask you. Have you given any thought to how your family will pay bills, buy groceries, and take care of their day-to-day needs in the ten months to two years it takes for your Will to clear probate?

Do you know that Wills are the single most contested legal document? There are more bitter family battles, and lawsuits over Wills than any other legal issue.

Anyone can see who your beneficiaries are, and exactly how much they receive. This makes them targets for pesky salespeople and litigation-happy attorneys. Potentially much worse, they can become victims of kidnappers, con men, and other criminal elements when the amounts are substantial!

Believe me, if you really care about your loved ones, you don’t want your estate information listed in the public record, where any 16-year-old surfing the Net can access it.

The other problems with Wills is that they are expensive. Not just to make, but again when they are implemented. Did you know that when you clear probate, the fees can eat away 5 to 10% of your assets! For a $100,000 estate, that’s ten grand—gone! For a million dollar estate, you’ll donate $100,000 to the lawyers and government bureaucrats. Poof!

However, there is something you can do to protect your assets when your wealth is transferred to your heirs. You'll be able to provide for future generations, and maintain your privacy as well.

Make provisions for your loved ones and charities,
Maintain your privacy; and,
Reduce your future probate and legal fees.

You create a pool of wealth that not only survives your death, it even allows you some options to choose who will take care of you and pay your bills if (heaven forbid) you ever become incapacitated.

The super wealthy have been doing this for years.

Say you’ve read “Rich Dad, Poor Dad,” and you’re committed to making your money work for you. You’ve started a savings plan, and maybe you hold some Certificates of Deposit, stocks or bonds. You own your own home, and maybe you’ve invested in a duplex or other rental property.

You create a simple Revocable Living Trust, and name yourself as the managing Trustee. And you name your spouse or responsible adult child as the Successor Trustee. They would manage the trust after your death.

Next, you transfer your property, savings account, and other investments into the Trust. Now you name your children, grandchildren or others of your choice as the major beneficiaries. You can also include the Opera, your church, the Make-A-Wish Foundation, or any other charity of your choosing as beneficiaries.

My grandfather remarried a woman 30 years younger than him. They made all of their plans to protect her after he was gone. Yet unexpectedly she developed a brain tumor and died first.

She had children from a previous marriage, and nothing was set up for them. Her eldest daughter was expecting some jewelry and other things her mother had promised her. But no provisions were made, and some very bad situations and hurt feelings were the result.

People in the prime of their life are cut down by car accidents, plane crashes, and freak occurrence. Sometimes both parents are killed, with young children left behind. These children could bounce from foster home to foster home. State Welfare agencies are infamous for the neglect, incompetence and abuse that happens in their system. (Kids here in the Florida system have been lost, abused, and even murdered!)

Even if you name a guardian in your Will, the government is forever meddling in all the decisions over the assets you leave behind for your kids. If the assets are the subject of your Will (whether it’s the one you’ve written or the one the State writes for you), they are subject to the probate court’s constant review.

The Guardian for your children is one of the most momentous decisions you can make. You certainly don’t want to subject them to all the government harassment. And of course the day the kids reach 18, they receive everything.

Do you remember what you were like when you were 18? Believe me, I’m quite certain if I had received a large inheritance at 18, I would have had it all spent before I hit 19.

A Trust will let you protect and provide for your kids in a much better way. You can determine at what age your kids receive certain amounts. And in the meantime, their guardian has the resources to provide for their health, education, and well-being. And they can do all this without the hassles and publicity of the probate court.

You’d be thoughtless and neglectful NOT to do this kind of planning for your children. They need a Trust. And especially if they have any special needs or talents.

And what if you become incapacitated? We all hope that won’t ever happen, but what if it does? Who would pay your bills? Who would take care of you? What would become of you?

A Living Trust allows you to sidestep the whole guardian\conservator issue. You appoint your guardian (the one who will take care of you and make medical decisions for you) and your conservator (the one who will pay your bills) if the need ever arises. Now. While you are still healthy. This eliminates what I call the nursing home conservatorship syndrome.

What happens if you don’t have a trust? Your loved one will have to get an attorney, go to the courts and endure something just like probate to name a guardian and conservator for you. They will have to account to the court for everything they do for you. Remember, whenever you get the courts or lawyers involved, there is an enormous cost involved. . . and you really don’t want that.

You are probably aware of the new HIPAA law on medical privacy recently passed here in the States. Here are two examples of cases that happened since these regulations went into effect:

A husband and wife were involved in a terrible automobile accident. The husband was seriously injured. His wife wanted to make certain that the needed medical attention was given to her husband. The wife could not get any medical information from her doctor. Even though she was the wife, the new HIPAA law and regulations prevent her from receiving medical information without specific written authorization!

In another case, an elderly widow lady became incapacitated. Her two children wanted to place her in a nursing home so that she would receive adequate care. They knew what information should be included in a living will and had a living will and health-care power of attorney for their mother, but it had been prepared before the HIPAA act was passed. The new HIPPA requires hospital compliance with living wills according to the new regulations.

So, they were required to go to court and be appointed her guardians so that they could place their mother in the health care facility.

Language to cover the new regulations has been added to our new Living Trust Kit. This is done to allow the successor trustee to receive any and all medical records if it should become necessary to do so. To my knowledge, this is the only Living Trust Kit that addresses this new problem. And it’s imperative to protect you when completing advance planning to provide for medical attention!

Money. Or more accurately, ignorance about money. Normally a Will costs about $350-$1,000, depending on the complications in the estate. A Living Trust, on the other hand, usually costs between $2,000 and $5,000. In very large estates, the legal fees could be in the tens of thousands.

So many people are scared away by the cost. Or they will simply put it off until they think they can better afford it.

(Not realizing of course that they will eventually pay LOTS MORE with a standard Will.) Remember, a standard will costs 10 - 15% of the entire estate in probate and attorney fees. So, let’s say you have a very modest estate of $250,000 . . . that’s $25,000 in probate fees! Now, I know if YOU add up all your assets (your house, cars, jewelry, etc.), you’ll find you probably have an estate that far exceeds that.

I know a way you can set up your own Living Trust right now, and do it without paying thousands (or even tens of thousands) of dollars to do it. In fact, I just did it myself! It’s the:

Complete-It-Yourself Living Trust Kit.

With this powerful little resource you can prepare a Living Trust yourself, without even using an attorney! Really. Because it was created by one! With this, you can set up your own Living Trust in three very simple steps.

Step one is simply reading instructions on how you will fill out the legal forms. Review the sample of the form, which has been filled in. This will show you how your trust documents should look like.

Step two is completing the worksheets on which you gather your own information. (This is basically just listing the assets you want to put in the Trust.)

And finally, you just transfer your completed information to the final form. You can either print or type. Then you take it to a notary public, and sign it in front of him or her.

Now you have your own completed Living Trust.

It’s really that simple. This Living Trust Kit couldn’t be more complete or easier to follow. And everything is even color coded for each part of the process. Simply review the yellow instruction pages, examine the pink sample pages, fill in the blue worksheets, then transfer your information to the official white legal document.

He’s an expert in this area.

The Kit has been used by hundreds of people already. Now it is being offered to the general public. Since the original basis for the Living Trust is English common law, this Complete-It-Yourself Living Trust plan is valid in all 50 states in the U.S., the U.K., Canada, Australia, and all commonwealth nations. Here’s what others are saying about the Complete-It-Yourself Living Trust Kit:

My husband and I were in a serious automobile accident. My husband had to go to a health care facility for a while. This was one of the very finest facilities of a large chain of healthcare facilities in our area. Our social worker at the facility was very helpful and very knowledgeable. In order to help me and my husband to the fullest, she asked to see our living trust. She was so impressed with the trust Mr. Allen had helped us prepare. She said she had never seen one like that – it was so extremely complete. . . and she has seen a lot of trusts. It absolutely left nothing out. She even wanted to keep a copy (of course, I wouldn’t let her do that). Since then, my husband died from his injuries in the accident. I am without my husband, but I am totally confident that my living trust is the best ever. Our advance planning saved me lots of money and lots of heartache. I will forever be grateful....
Helen “Betty” West,
Mesa, AZ

I just completed our Do-It-Yourself Living Trust for our family. I admit I procrastinated for a few months after I received it because it came in such a big binder. Although it looked daunting, it really was simple to do. I just followed the step-by-step instructions and voila! it was done in no time. I loved how a CD was included so I could fill in the blanks on my computer and then print out the pages with the paper that was included. Now I , my husband and my two children feel at peace that all is taken care of. If something should happen to us, my children will have a guardian that we have chosen and not someone the state assigns to them. This is such a well-written and easy to understand. Thank you Steve Allen.
Wendi Smith
Queen Creek, AZ

The Do-It-Yourself Living Trust Kit includes all the forms you will need, samples, and complete instructions on how to fill them out. It’s simple, easy and can be done in one evening. The forms also come in template form on a computer disc!

It is written in everyday, easy to understand language. Steve may be a lawyer, but he wrote the Kit in language anyone with a room temperature IQ can understand. Yet it includes all of the most important trust provisions.

In addition to naming the beneficiaries and trustee, there is a comprehensive listing of trustee powers. The Agreement also includes an ironclad “No-Contest” clause to keep others from interfering in the management and distribution of the Trust. It amazes me that so many try to exercise undue influence in trusts and wills. This clause eliminates all that.

You’ll love everything about the Kit. Not the least of which, is the…

Customer Help Line.

The best part about the Kit is that you won’t be left alone to complete your Trust on your own. If you have any questions, simply call the 800 number and either Steve or one of his associates will gladly answer any questions you may have concerning your Trust or your estate planning objectives.

What’s the cost?

As you may well be aware, estate planning attorney fees are through the roof. A Revocable Living Trust usually costs from $2,000 to $5,000 in most states. The Complete-It-Yourself Living Trust Kit is only $497. Which is ridiculously under-priced. I told Steve he needs to charge more for it, but he insists on keeping it at this level for as long as he can. Since he has seen first-hand the problems and anguish Wills cause so many, he is moved to get this information out to as many people as possible.

This thing will save you money. Lots of it. It will save you grief. Lots of it. And it will save a lot of grief for the people you want to leave your assets to. More importantly, it takes away the obstacles so you can set up your Trust now.

Here’s what the Do-It-Yourself Living Trust Kit includes:

This Living Trust is the finest, highest quality Living Trust kit you will find anywhere. It comes in a handsome navy and gold foil leather binder and includes:

• The Living Trust Document
• Back up “Pour-over Will”
• Schedule of Trust Assets
• Assignment of Personal Property
• Deeds to transfer your real estate (including your residence)
• Documents for the transfer of assets to your Revocable Living Trust
• Guidelines for the Trustee
• Letter to your successor trustee
• Instructions on how to keep your trust current
• General durable power of attorney (with HIPAA language)
• Free copy of living will and medical power of attorney (with HIPAA language)
• Glossary of legal terms
• A Cd-Rom that includes:
  • Free living trust download instructions
  • Instructions on how to write own revocable living trust
  • Free blank fill-in forms for your revocable living trust
  • Free printable last will and testament (the “pour-over will”)
  • Legal templates, estate planning forms, and transfer document forms
  • Forms to amend a revocable living trust
  • Living trust flowchart
  • Access to free legal forms online, including free downloadable living will forms

If they receive your order within five (5) business days, you will also get these 3 bonus gifts (worth over $3200) . It’s your reward for acting decisively.

FREE Bonus #3: Steve’s new multi-media program “Living Trusts for Wealth Preservation.” This book answers all your questions about wills, trusts, asset protection, and more. When you order the Do-It-Yourself Living Trust, Steve will deliver his new program “Living Trusts for Wealth Preservation” in pdf (requires acrobat reader), mp3, and flash video format . . . instantly . . . . to your email inbox. (A $197 value)

In this multi-media program, Steve explains in plain english:

• all about the probate process, when a will goes to probate, and how to obtain a probate if there is a will
  
  
• how to execute a last will and testament and when it is better to not have one
  
  
• the difference between wills, living trusts and living wills
  
  
• answers on wills and trusts questions I commonly hear
  
  
• the definition of a living trust as well as the laws about living trusts
  
  
• the pro’s and con’s of a living trust (yes there are some things you need to beware of)
  
  
• how to revoke a living trust and how to go about changing a revocable trust – commonly called amending your trust
  
  
• common revocable living trust questions
  
  
• using trusts to mange family finances
  
  
• an irrevocable living trust – what it is and when to use one
  
  
• what is a marital deduction trust
  
  
• the theory of AB trusts
  
  
• the art of dividing assets in the AB living trust
  
  
• rules of estate planning, qprt, wills and trusts
  
  
• how to go about protecting inheritance from creditors
  
  
• federal exemption inheritance tax laws and answers such questions about inheritance such as “Do I have to claim an inheritance on my taxes?
  

If you order online, our system will email you this powerful multi-media program immediately, so can start learning these secrets right away.

Not for everybody…

The Complete-It-Yourself Living Trust Kit is not for everybody. If you have a very complicated estate, you may want the help of a legal advisor. Or if you don’t have the confidence that you can follow some easy complete it yourself steps, then you may also want to hire an advisor. And if the Kit is not for you for any reason—send it back and get your money back!

Don’t wait to do your planning before its too late. Estate & funeral planning is so easy to put off. You have no excuse not to protect your assets, and make provisions for your loved ones...

You have no excuse not to protect your assets, and make provisions for your loved ones...

I happen to think that this is one of the most important things that you can do for your family. I did it myself. I hope you take care of the people you care about the same way.

One of the first pre-requisites to prosperity is learning how to manage money and wealth responsibly. This Kit is the perfect way to start! It’s one of the very most important things that you can do for yourself, your peace of mind, and the people you love.

Sincerely,

Randy Gage
Prosperity Guru & Coach, leader of ‘Sacred Secrets of Prosperity’ Workshops
Miami, Florida

P.S. In brief, here’s the deal. You get a the Do-It-Yourself Living Trust, the Special Report “Beware of the Invisible Line at the Bank,” and the new multi-media program “Living Trusts for Wealth Preservation” in pdf, mp3, and flash video format PLUS the Year-long subscription to my monthly teleseminar. The entire package is worth $3681 for only $497. If you act now. I’m sure by now you can see that you won’t find these terrific benefits anywhere else.