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Individual Estate Planning

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An estate plan facilitates in carrying out your distribution wishes while reducing the associated costs after you die. Working with your Hantz Financial Services (HFS) advisor, you will devote considerable time and resources attempting to build your net worth. An estate plan helps to ensure that those assets are transferred effectively to your heirs with minimum cost and delay.

Some people believe that estate planning is for the super-wealthy. In reality, it doesn't matter how big or small your estate is or how old you are: a plan will assist in ensuring that your estate is passed along according to your wishes. If you care about what happens to your assets, and you want to make sure that your loved ones will get what they deserve after your death, then estate planning is for you.

Estate planning allows you to leave a legacy to your loved ones that reflects your wishes and gives purpose to your accomplishments. The primary goals of an estate plan are to:

  • provide for your estate distribution goals
  • minimize probate court costs
  • keep your money matters private
  • expedite asset transfer to heirs
  • reduce taxes

These goals are accomplished by preparing the right legal documents. Your HFS financial consultant will recommend that you meet with an attorney who specializes in estate planning to determine the right plan for you and to draft the necessary documents. A basic estate plan consists of a Living Will, Living Trust, Medical Power of Attorney, Living Wills in some states, and a Financial Power of Attorney. Your situation will determine which estate plan is right for you.

A Will is a statement to the world of your wishes regarding the distribution of your estate after you die. It is also the place to name a guardian for your underage children. A will won't keep your estate out of probate court, however.

A Living Trust is a legal mechanism that can keep assets owned by your estate out of probate court. In addition to reducing the costs, delay, and publicity of probate court, a trust can allow you to reduce your estate taxes. Some trusts offer greater protection of your assets from creditors and lawsuits.

A Medical Power of Attorney, a Living Will in some states, describes your preferences regarding medical treatment if you are faced with end-of-life situations. Unexpected end-of-life situations can happen to anyone and at any age, so all adults need advance directives.

A Financial Power of Attorney is an inexpensive way to arrange for someone to manage your finances if you become incapacitated. If such a document is not in place when you become incapacitated, a court proceeding is probably inescapable. In this proceeding, your spouse, closest relatives, or companion will have to ask the court for authority over some of your financial affairs.

Finally, an estate plan should be revisited and updated regularly in order to keep it up-to-date with changes in your life and the regulatory environment.

For a free no-obligation consultation, please provide us with your contact information and a Hantz Financial Services (HFS) advisor will contact you to answer any questions you might have about estate planning.




Please note that Hantz Group, Inc. is the parent corporation to a number of wholly or partially owned subsidiary companies, including but not limited to Hantz Financial Services, Inc. (a broker-dealer/mortgage broker), Hantz Tax & Business, LLC (an accounting and tax preparation company), Hantz Agency, LLC (an insurance agency), Hantz Commercial Insurance Agency, LLC (specializing in insurance for businesses), PLUS Agency, LLC (an impaired insurance agency), Hantz Benefit Services, LLC (an employee benefits agency), Hantz Lending, LLC (a mortgage broker), Hantz Software, LLC (a computer software company); Hantz Technology, LLC (a computer technology company), Hantz Group Sports & Entertainment, LLC (sports and entertainment), Hantz Group Racing, LLC (stock car racing), Hantz Soccer USA, LLC (indoor soccer), Hantz Farms, LLC, (an urban farming company), DiLaura Brothers, LLC (a bowling distributorship), Bowling IQ, LLC (a bowling training center), Hantz & DiLaura Properties, LLC (owners of a bowling property); Hantz Air, LLC (a charter aircraft company), Hantz, Rhoades & Doehrer, LLC (an accounting firm), Hantz Titus Urbanski, LLC ( an accounting firm), Hantz Ewald, LLC (an accounting firm), Hantz Real Estate Ventures, LLC (a real estate holding company), 1540 South Holland Sylvania, LLC (a real estate holding company), Hantz Golf, LLC, Hantz Golf Club of Tecumseh, LLC.