If you die tomorrow, will you send your wife and children through probate court?
You Do The Leg Work and Save Over $1700
- Legal in all 50 states...
- Prepared by a licensed estate planning attorney
with over 35 years experience...
- Easy-to-follow instructions...
- 800 # legal support line.
- Fill-in-the blank asset transfer paperwork...
60 Days Simply Send it Back
July 10th, 2009
From the Desk of Steven Allen, JD
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.
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.
And of Course Wills are Completely in the
Public Record, So Everybody and Their Brother Can
See Your Business
Anyone can see who your beneficiaries are and exactly how much they receive because a will needs to be filed with the county probate court clerk at your death.
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.
Wills Are Required to Go Through Probate Court
Most people have heard about probate and some have been misled by their attorneys when they were told that their Last Will and Testament will avoid probate.
But that is a lie.
As long as the estate is large enough (in most states that means an estate over $20,000), a Will is required to go through probate because a Will is NOT a legal transfer of your estate.
That means your children do not have the legal right to walk into the bank or the county recorders office and transfer the assets simply by showing a Will and a death certificate.
Because the owner (which would be you) is dead, a court process is needed to see who actually should receive the estate.
And that is where probate comes in. Probate is the legal process used to validate a Will. The word “Probate” is based off a Latin word which means “to prove.”
Even though a Will is a legal document, it is not a legal transfer. Attorneys who write Wills get to take the estate through probate.
And that makes for a very good business…for the attorney.
A Will is THE Most Expensive Legal Document
Did you know that when you clear probate, the fees can eat away 5 to 10% of your assets! For a $500,000 estate, that’s fifty grand—gone!
“The national average for probate fees are 5-10% of the estate”
For a million dollar estate, you’ll donate $100,000 to the lawyers and government bureaucrats. Poof!
However, there is something you can do to protect your assets when your wealth is transferred to your heirs.
You'll be able to provide for future generations, and maintain your privacy as well.
I’m Talking About Creating a Living Trust
So just what is a living trust? It’s a legal structure that allows you to:
- Make provisions for your loved ones and charities
- Reduce or eliminate estate taxes
- Maintain your privacy
- Avoid probate and unnecessary legal fees
With a Living Trust you create a pool of wealth that not only survives your death, it even gives you some other options, like choosing who will take care of you and pay your bills if (heaven forbid) you ever become incapacitated.
The super wealthy have been doing this for years.
But it’s Not Just for the Ultra-Rich
The rich do Trusts much more than other people because they are smart about money. They have learned how to preserve, protect, and grow their wealth. Yet this same structure can be used by anyone, even someone of relatively modest means.
Here’s An Example of How a
Living Trust Might Work for You…
|Total Estate Value||$||785,000|
Say you’ve accumulated a savings plan, investments, a few Certificates of Deposit, stocks or bonds, an IRA, and of course your home.
You create a simple Revocable Living Trust and name yourself and your spouse as the Managing Trustees.
Then you name your responsible adult child(ren) as the Successor Trustee. They would then manage the trust after your death.
Next, you transfer your property, savings account, and other investments into the Trust (more on that step in a second). When you do that, you don’t lose control.
You can still, buy, borrow, sell or transfer.
You NEVER Lose Control
Nothing changes because you are a Managing Trustee.
Because you named your children or someone you trust as the Successor Trustee, they have legal right, after your death or if you are incapacitated, to manage the assets that are in the name of the Trust – without requiring probate.
In addition, you name your children, grandchildren or others of your choice as the beneficiaries. These will be the people to whom your Successor Trustee transfers the estate.
You can also include the Opera, your church, the Make-A-Wish Foundation, or any other charity of your choosing as beneficiaries.
So What Happens After You Die?
When you die, your assets are automatically transferred to your beneficiaries immediately - no probate, no courts and no mess.
This is without a doubt the best way to transfer your wealth to the people and causes you want it to go to. It happens instantaneously and privately, and you don’t end up donating ten percent of your assets to lawyers or to Uncle Sam, so they can finance roads to nowhere, study the flow rate of ketchup, and buy $2,000 toilet seats!
Protect Children from a Previous
Marriage with a Living Trust
An elderly man I met named Edward remarried Janet, who was 30 years younger than he was. They made all of their plans to protect each other by making each the beneficiary of their Wills.
Then Janet suddenly developed Cancer and died very quickly.
When her children from her first marriage found out that their mother’s assets would be absorbed into Edward’s estate and then pass to his children, they took Edward to court and forced the estate to be passed to them immediately.
It was never Janet’s intention to leave out her children, but a Will doesn’t establish any legal vehicle to hold the assets for the benefit of the living spouse while preserving the children as beneficiaries.
As a result, Edward lost Janet’s assets and was forced to sell their house because he couldn’t afford it.
All of this could have been prevented with a Living Trust. It’s designed perfectly for blended families.
Living Trusts Are Not Just for the Elderly -
Stuff Happens, Every Day
People in the prime of their lives are cut down by car accidents, plane crashes, and freak occurrences. Sometimes both parents are killed, leaving young children behind.
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 Really Want Your 18 Year Old
Child to Receive Your Estate?
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 the age of 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 they will 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, 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 by preparing the necessary Durable Power of Attorney and Medical Power of Attorney.
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) now, while you are still healthy. This eliminates what I call the ‘Nursing Home Conservatorship Syndrome’.
What happens if you don’t have these documents?
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.
Your Spouse May Not Even Have the
Right to Make Medical Decisions for You
You are probably aware of the 2003 Federal HIPAA law on medical privacy recently passed in Congress. Here are two examples of REAL cases that occurred since these regulations went into effect:
Case # 1: Spouses No Longer Have the Automatic Right to Make Medical Decisions
A husband and wife were involved in a terrible automobile accident. The husband was seriously injured. His wife wanted to make certain that the necessary medical attention was given to her husband, but she could not get any medical information from her doctor. Even though she was the wife, the new HIPAA law and regulations prevented her from receiving medical information without specific written authorization!
Case # 2: Sons Have to Go To Court To Protect Their Mother
In another case, an elderly widow 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, and the new HIPPA requires hospital compliance with living wills. 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.
If Your Living Will or Medical Power of Attorney (or your
Trust for that matter!) Was Created Before 2003 Without
the HIPPA language, It Is Out of Date
Language to cover the new regulations has been added to my new Living Trust Kit and every kit comes complete with the Durable Power of Attorney, Medical Power of Attorney and Living Will.
This is done to allow whoever you name the right to receive any and all medical records, should it become necessary to do so (more on my Trust program in a second).
To my knowledge, this is the only Living Trust Kit that addresses this new problem, and it’s imperative to protecting yourself when advance planning to provide for medical attention!
So Why Don’t More People Have a Trust?
Many people are now becoming aware that a Living Trust IS the way to protect their family.
However many are still ignorant of the facts.
The truth is that Trusts are the best way to avoid the problems associated with transferring assets upon death. But most people don’t even know they could use one. They think that Trusts are just for mega-millionaires. Now you know this is not the case.
So what’s the last stumbling block?
Average Legal Fees:
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.
If I meet with someone in person, create their trust and transfer their assets, I have to charge $2,500, because they are paying for my time.
An Attorney’s Asset is His Time and Knowledge
The national average to setup a Living Trust with an attorney is $2,500, but many attorneys gouge the public and make them pay $5,000, $7,500, even $10,000. In my opinion, that is ridiculous.
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 5-10% of the entire estate in probate and attorney fees. So, let’s say you have an estate of $750,000 . . . that’s over $37,000 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.
Announcing Steven Allen’s
Do-It-Yourself Revocable Living Trust
As a licensed estate planning attorney with over 35 years of experience, writing over 5,000 living trusts, I’ve taken the Trust that I spent decades designing and developed a way for you to personalize it and do the legwork yourself. That means you’ll save almost $1,700.
I’ve Done the Legal Work,
You Do the Legwork
All you need is a CD player, a computer and a pen.
With this powerful little resource you can prepare a Living Trust yourself, without even using an attorney! How? Because it was created by one!
Set up your own Living Trust in just four simple steps.
Four Simple Steps for Preparing Your Living Trust
Step 1: Follow the Instructions Inside The Audio CD
What I’ve learned is that anything can be accomplished as long as there are simple instructions. That is why I went into a professional studio and recorded a simple step-by-step audio guide that walks you through each section of my Living Trust. There is no guess work. Everything you need to know is outlined inside this CD.
Complete Audio Instructions
from Steven Allen
CD1: Introduction to Your Living Trust – Walk through each section step-by-step as I explain each tab of your trust so you know how to fill it out. If you still have questions, just call our 800 number. I have plenty of knowledgeable staff members on hand to answer your questions. I may even be the one you talk to.
Use each of the 9 audio tracks to fully understand your trust.
Print Your Documents so they
are Neat and Professional
CD2: Living Trust Forms – This CD contains the necessary PDF documents so you can personalize your Trust on your home computer. When you are done, simply print-- we even send the special legal paper for you to use in your own printer. This way it looks professional and neat.
Use the Sample Pages to
Guarantee You Do It Right
Listen as I talk about the Introduction and instructions for your Living Trust.
(Play time: 1 minutes 21 seconds)
Each trust comes with 4 different colors of instructional pages.
Yellow– Instructional pages
Pink– Sample pages
White– Official documents
Simply follow the instructions then review the sample forms to see how your Trust documents should look.
I even provide a complete disc with all the forms in fillable PDF's.
Step 2: Complete the Forms, Sign and Notarize Your Trust
Step two is completing the worksheets inside the tabs which divide each section of the Trust.
In addition, we provide the PDF’s on a CD so you can personalize your trust right on your own computer and print them out on special legal paper—which is also included!
There are 11 total tabs inside your Trust and each one contains a very important section.
What’s Included Inside Your Revocable Living Trust
Living Will and Health Care Power of Attorney
The Living Trust document is presented in a navy binder with gold foil embossing. The documents included are:
- Living Trust Document
- Pour-Over Will
- Living Will
- Durable Power of Attorney
- Medical Power of Attorney
- Affidavit of Trust
- Assignment of Personal Property
- Additional Sections
- Key Information for Successor Trustees
- Advisor Lists
- Document Locator
- How to Amend your Trust
- How to Settle an Estate
- Complete instructions and forms for the funding documents including:
- Schedules of Trust Property
- Real Estate Transfer Deed
- All Transfer Letters for:
- Insurance Companies
PLUS an Audio CD explaining the Trust Document and how it should be used.
Step 3: Transfer Your Assets into the Name of the Trust
After your trust is filled-out, signed and notarized, it is time to transfer the title of your assets into your Living Trust’s name. This process is called funding.
To avoid probate, the title of your property needs to be inside your Trust. That includes real estate, bank accounts and investments. Your Successor Trustee will only have the right to manage assets that are held in the name of your Trust.
After you transfer your assets into your Trust, you still maintain 100% control. Because you are the Trustee of the Trust, you can still buy, sell and borrow-- nothing changes. You maintain 100% control.
Transferring Your Assets
into Your Living Trust is Easy
(Play time: 1 minute 38 seconds)
Transferring your assets into the Living Trust is easy when you have all the necessary forms and instructions.
Inside your Living Trust, we’ll provide ALL the forms and complete instructions for every kind of asset:
- Real estate
- Bank accounts
- Cemetery plots
- Mineral rights
- Time shares
Follow along inside the audio CD for instructions.
If You Get Stuck, Call Our Toll-FREE Number For FREE Support
After you have completed your worksheets, signed, notarized and transferred your assets into your Trust there is just one final step…
Step 4: Receive Necessary Updates to your Trust
Mail the registration card that comes with your Trust to Steven Allen’s office. This will ensure that you will be notified of any changes in the law or updates that are required for your Revocable Living Trust.
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!
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 documents also come in template form on a computer disc and everything is written in everyday, easy to understand language.
Steven Allen’s Revocable Living Trust
Complete with audio instruction CD and fillable PDF forms on disc.
Use the tabs for easy navigation.
- Legal In All 50 States
Since the original basis for the Living Trust is English common law, this Do-It-Yourself Living Trust plan is valid in all 50 states.
- Reduces Estate Taxes
Contains an A/B provision so you can maintain both federal estate tax exemptions.
- Eliminates Probate
Avoids probate because assets will be in the name of the Trust.
- Completely Private
No need to file or register your trust, unlike a Last Will and Testament.
- Saves Money
A Living Trust is cheaper than a Will because it avoids the costly and lengthy probate process.
- Change at ANY Time
Your Trust is revocable, that means you can change it at any time.
- Full Customer Support
Any time you need help with your Trust, call Steven Allen’s office TOLL FREE number for Trust clients.
- Easy to Fill Out
Follow the simple step-by-step instructions inside the CD to customize your Trust document.
- Keep your Children from Fighting
Create simple instructions so your children know what to do after you’re gone.
I just completed the Do-It-Yourself Living Trust for our family. I admit it was 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 trust plan.
Thank you Steve Allen.
Queen Creek, AZ
Call Our Customer Support Line If You Have a Question
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 myself or one of my associates will gladly answer any questions you may have concerning your Trust or your estate planning objectives.
I have a special training program that every member of my staff is required to go through. In fact every Friday they take a 1 hour class from me and each year they take an exam.
That way you know you will have a qualified person on the other line to help you if you need it.
Order With Confidence:
Steven Allen’s 60-Day
100% Money-Back Guarantee
I know not everyone may feel 100% comfortable with a do-it-yourself legal program. However I don’t want that to stop you. That is why I want to offer my 60 day grace period. I’m not aware of any other Living Trust program, or attorney for that matter, that would allow you to review their Trust with a 60-day out.
So after you order, give it a good effort.
Take 2 months to listen to the CD and fill out the documents. If you don’t feel comfortable after going through the step-by-step instructions, following the audio CD, filling out the fill-in-the-blank PDF forms on the CD and talking to my office for help, simply send the Trust back and we’ll issue a 100% refund.
What is the Cost of the Do-It-Yourself Trust?
As you may well be aware, estate planning attorney fees are through the roof. A Revocable Living Trust usually costs from $2,500 to $5,000 in most states.
The Do-It-Yourself Living Trust Kit is only 2 payments of $397.
Review the Complete Trust
For 60 Days for Only 2 Payments of $397
Review the Do-It-Yourself Revocable Living trust with complete instructions on audio CD, fill-in-the-blank forms on disc and easy to use Living Trust asset transfer forms (pay only 1 payment of $397 plus S&H).
If you are not 100% satisfied with how easy we’ve made this program, then simply return the Trust within 60 days for a 100% refund. Otherwise, keep the Trust and rest easy knowing your family will be protected for only one more monthly payment of $397.
Order Your Trust Today!
If you are not currently married, choose the single trust button on the left. If you are currently married, choose the married trust button.
Receive These Four Bonuses When You
Order My Living Trust Kit Today
Bonus #1: The Pocket Living Will (a $54 value)
Each Trust comes complete with a full Medical Power of Attorney and Living Will. In addition, we’ll include the Pocket Living Will and Medical Power of Attorney.
Our new Pocket Living Will is a Living Will and Power of Attorney that is small enough to carry with you. AND it includes the new HIPAA language.
Don’t let the size fool you. This 5 page document (legal in all 50 states) has been formatted to fit onto a 6 x 8 card which is folded into a plastic sleeve to fit into any credit card pouch in a wallet or purse, so you can take it anywhere.
This is the #1 document you need if you have an emergency. Simply fill it out, sign and have it notarized.
Bonus #2: The Living Trust Amendment Kit (a $117 value)
Any time you typically want to change your Trust, you are required to pay your attorney between $100-$250 or more for each amendment. Because you are ordering my Complete Revocable Living Trust, you will receive the Living Trust Amendment Kit that allows you at any time (and as many times as you want) to update your Revocable Living Trust.
Bonus #3: You Can’t Take it With You by Steven Allen (a $ 28 value)
Receive my hardcover book You Can’t Take it With You. Inside I explain the basics behind Wills, Revocable Living Trusts, Power of Attorneys and Living Wills.
This is your manual for your estate plan and will cover all the questions you have and provide guidance for making decisions inside your Living Trust.
Bonus #4: One Year Pass to My Monthly Insider Teleconference (a $297 value)
Each month I’ll invite you to call in during my live teleseminar where I will talk about Secrets of Wealth Preservation and answer any questions you may have about your Living Trust or any other estate planning concerns.
You will receive an email monthly telling you the time of the teleconference, the number to call and the special passcode. If you were to visit with an attorney for an hour each month, this would cost you over $3000!
In addition, you will receive access to download the mp3 of each call, INCLUDING all my previous calls.
Get details on all the topics you need to understand in order to protect your estate:
- Estate tax avoidance principles
- Setting up business entities
- Tax planning
- Creating Irrevocable Life Insurance Trusts
- Transferring assets to your Living Trust
- Charitable giving
- Asset protection vehicles
- Special Needs Trusts
- Protecting your money
How Many Other Attorneys Provide
That Kind of Education and Service?
Avoid Putting This Off Any Longer -
Review My Revocable
Living Trust for 60 Days
Stop wasting time and procrastinating what you know you need to do because you feel like you don’t have enough knowledge, money or confidence to do it yourself.
Protect your spouse, eliminate probate, reduce estate taxes and stop your children from fighting with my comprehensive Revocable Living Trust.
Order Now for only 2 payments of $397.
Review Steven Allen’s Living Trust and all the bonus material for 60 days.
If you decide that you don’t feel comfortable setting it up yourself with my:
- Fill-in-the-blank living trust PDF forms
- Complete audio instruction guide
- Simple asset transfer forms
Simply return it for a full 100% money-back refund.
Trust Isn’t For Everybody
This Trust kit is not going to work for everyone. If you have an estate worth over $7 million dollars or you have a very complicated estate, spend the money and meet with a qualified estate planning attorney.
However, if you are part of the 90% of the population who has a relatively simple estate…maybe you’ve been married once or twice with children from a previous marriage, or you’ve been married for 50 years with only a couple of children…
Setting Up Your Trust Won’t be Difficult
I provide all the instructions.
Don’t wait to do your planning when it’s too late. Estate planning is so easy to put off.
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.
Order Your Trust Today!
If you are not currently married, choose the single trust button on the left. If you are currently married, choose the married trust button.
Steven Allen, JD