Our Will, Trust and Power of Attorneys features: Access to your secure site 24/7, You are in control of your documents, Complete forms at your own pace and time, Documents are prepared and sent to you with easy to follow instructions for notary and witness signatures, and prepared in a beautiful custom binder.

Life Can Be Full Of Uncertainties

You can't always control the unfortunate circumstances in your life, however you can have a plan in place should they occur. Our Will, Trust, and Power of Attorney is our way of helping you plan for life's uncertainties. It includes a variety of planning tools and options so that you may customize your plans for yourself and your family. Our Will, Trust, and Power of Attorney is an estate planning package complete with a Living Trust, Last Will and Financial and Health Care Power of Attorney.

Our Will, Trust and Power of Attorney will assist you with these essentials:

• Preparing financial and health care power of attorney
• Talking with your family now to decide how to handle your financial and medical affairs should you become incapable of making your own decisions.
• Preparing a last will and establishing a living trust that will distribute your property according to your wishes after you die.

Our Will, Trust and Power of Attorney is the comprehensive, affordable, easy-to-use package with everything you need. No add-ons, no surprises, no hidden fees.

• Developed by attorneys
• Comprehensive low-cost package includes will, living trust, medical and financial power of attorney
• Endorsed by credit unions and community banks
• Superior, unlimited customer support
• Full legal documents sent directly to you for signing and notarization.

Who needs Will, Trust and Power of Attorney?

Our Will,Trust and Power of Attorney is something everyone needs to do, not just "wealthy" people. You don't need to be rich to become ill or injured, nor do you need to be wealthy to provide for and protect your family's financial affairs.

Will, Trust and Power of Attorney will put you in greater control of the financial and health care decisions that directly affect the lives of you and your family.

Last Will - A last will that expresses your desires for the handling of your financial and personal affairs.

Living Trust - A living trust will save time and court costs by avoiding probate.

Health Care Power of Attorney - You can name someone to make decisions about your medical treatment if you are unable to make them yourself. Also includes a living will.

Financial Power of Attorney - You can name someone to manage your financial or business affairs if you are unable to handle them yourself.

Plan while you can. It's not enough to simply want to do the right thing; you need to make sure it happens. Let Will, Trust, and Power of Attorney turn your good intentions into good planning and security for your family.

Things to consider when preparing a will

1) Your Property 

• Make a list of every thing you own and how much it worth (home, vacation property, etc)
• Money in bank accounts
• Stock
• Pensions
• Insurance Policies
• Any Personal valuables
• Any business interest

2) Guardians - If you have minor children under the age or 18

3) Your Business Interest - What would you like to happen to your business if something happens to you

4) Any Other Wishes

• Funeral arrangement (buried or cremated)
• Organ donation are optional

5) Executor - individual(s) who can carryout your wishes under the will when someone passes.

Many credit repair companies target the most vulnerable individual due to their credit situation. There's a reason why an individual is looking for help on fixing their credit. It only means that they don't have the capability to pay some or all of their current debt. Why have them think that they are saving money by getting a credit repair service and that they will have a great credit after all that was said and done. Think of your credit, as a soldier. A soldier may make all necessary preparation for a battle, but that doesn't mean that he will have enough ammunition when a real battle happens. However, having a good plan of action can restore and complete a mission without getting into any battle. You will come out a winner and not a victim. This is what we do. We restore credit and give our clients a plan of action for the sole purpose of giving them a peace of mind and a more substantial credit score that will benefit them for years to come.

We understand that every credit situation is different and unique. Credit Restoration is unique in that there is no selling strategy or sales speech to make. Several individual may have the same credit score but for entirely different scenario. The Credit Restoration Store analyzes each and every client's distinctive situation and prepares a customized Credit Restoration Plan of action specifically for each one.

Do you know how much you spend for having a Poor Credit Score?

A low credit score can cost you and your family hundreds of dollars each year and potential thousands of dollars over a lifetime. An artificially low credit score can add 3% to 18% to the interest rate of every loan or financing agreement that you might have or will have. It affects credit cards, student loans, home and car loans, business line of credit, and much more. An artificially low credit score can cause you to be denied, without even getting to the stage where a lender asks you to pay the enormous interest rate. Having a poor credit score can affect every financial agreement that you enter into, and it makes many financial options simply unavailable to you!

The money that an individual saves from having a good credit compared to someone with a poor credit is probably the vacation trip that the individual with a poor credit has been planning for years but could not get to go, due to the money he or she is spending on interest alone.

So what are you waiting for?

Let's get started with your venture to have a better credit score, today! You can go online 24/7 with our automated system or call us anytime to request a one-on-one phone appointment with a specialist. We're always looking forward on helping someone in need. We can't leave a soldier behind...

Living trusts is a way to avoid probate and reduce or eliminate federal estate taxes. This section will give you some general information to help you understand what your choices may be, but we still encourage you to talk to a lawyer to get specific answers about your situation. You can usually pay the lawyer’s fees from the property in the case.

How can a living trust be set-up and funded?

• A trust document can be setup which usually name(s) the trustor(s) (which is the person who is setting up the trust) as the trustee(s) of the named trust. The trustee(s) are responsible for maintaining and managing the trust and its assets. The trust usually nominates other individual, bank, or trust companies as a successor trustee(s). The successor trustee(s) will take over the management of the trust after the death, resignation, or incompetency of the original trustee(s).
• The trust also provides the distribution of the estate(s) of the trustor(s) after the death of both trustors. Some provisions can be the same as those found in a will that might include trust(s) for children, gifts to charities, etc.
• Depending on the amount of the estate, the trust might also include provision that will reduce or eliminate federal estate taxes.
• After the signing of the trust, the trustor(s) transfer their assets to the trust. If this is not done on a given time, additional legal work or possibly including a probate of the named assets will be required after the death of the trustor(s).

Living trusts is a way to avoid probate and reduce or eliminate federal estate taxes. This section will give you some general information to help you understand what your choices may be, but we still encourage you to talk to a lawyer to get specific answers about your situation. You can usually pay the lawyer’s fees from the property in the case.

How can a living trust help help your estate?

• A living trust will avoid probate for all assets that have been transferred to the trust. Probate is a costly, time consuming process that many estates do not need. However, there are some cases in which having a living trust will not provide protection against probate because the estate is worth $150,000 or less in assets and probate is not required. Click here for more information: Deciding if you need to go to Probate Court
• A trust also can avoid a conservatorship, which is a proceeding that the court offers that is expensive, restrictive, and time consuming. Conservatorship are needed when an individual can no longer manage it's own financial affairs. A conservatorship appointed by a court, and also make decisions concerning the living conservatee's arrangements. A trust need to be properly prepared so that it can provide the successor trustee which is the individual who will manage the trust for the benefit of the trustor.
• For couples who are married or were a registered domestic partner with estates subject to the federal estate tax, a living trust can reduce or eliminate federal estate taxes by setting up an Exemption Trust.

The Estate Tax is a tax on your right to transfer property at your death. It consists of an accounting of everything you own or have certain interests in at the date of death. The fair market value of these items is used, not necessarily what you paid for them or what their values were when you acquired them. The total of all of these items is your "Gross Estate." The includible property may consist of cash and securities, real estate, insurance, trusts, annuities, business interests and other assets.

Once you have accounted for the Gross Estate, certain deductions (and in special circumstances, reductions to value) are allowed in arriving at your "Taxable Estate." These deductions may include mortgages and other debts, estate administration expenses, property that passes to surviving spouses and qualified charities. The value of some operating business interests or farms may be reduced for estates that qualify.

After the net amount is computed, the value of lifetime taxable gifts (beginning with gifts made in 1977) is added to this number and the tax is computed. The tax is then reduced by the available unified credit.

Most relatively simple estates (cash, publicly traded securities, small amounts of other easily valued assets, and no special deductions or elections, or jointly held property) do not require the filing of an estate tax return. A filing is required for estates with combined gross assets and prior taxable gifts exceeding $1,500,000 in 2004 - 2005; $2,000,000 in 2006 - 2008; $3,500,000 for decedent dying in 2009; and $5,000,000 or more for decedent's dying in 2010 and 2011 (note: there are special rules for decedent dying in 2010); $5,120,000 in 2012, $5,250,000 in 2013, $5,340,000 in 2014 and $5,430,000 in 2015.

Beginning January 1, 2011, estates of decedent survived by a spouse may elect to pass any of the decedent’s unused exemption to the surviving spouse. This election is made on a timely filed estate tax return for the decedent with a surviving spouse. Note that simplified valuation provisions apply for those estates without a filing requirement absent the portability election.

Both personal umbrella liability coverage and blanket insurance policy provide a lot of benefits to the insured especially when used at the right time. While blanket policy covers one or more broad classes of people or property, personal umbrella policy is only for liability.

What is a blanket insurance policy?
Blanket coverage is a property insurance that covers multiple properties at multiple locations in one policy for a single amount of insurance. Blanket insurance covers one or more broad classes of person or property, without identifying the specific subjects of insurance in the contract. With property, blanket coverage may be an individual home insurance covering both the contents and the actual structures that are found on the property. Blanket insurance is also available for neighborhood where the coverage extends to any property that is jointly held by the community, through a homeowner's association. With blanket health insurance, the contract will usually cover classes of people that are not specifically addressed in the terms of the contract.

What is a Umbrella Liability Coverage?
Personal umbrella policy coverage is a liability insurance that protects the personal assets and future income of the insured in addition to his or her primary policies. Umbrella liability policy coverage serves as an extra layer of insurance that can pay for medical, court or other personal expenses, acting as excess coverage over the limits. Therefore, a personal liability umbrella can become the primary policy "on the risk" in certain situations. The term "umbrella" is used because it supplements basic liability coverage from all policies underneath it, such as auto insurance and homeowner's insurance polices.

Basically, blanket policy pays for the insured while umbrella policy coverage does not do so and instead pays a third party. Also, blanket policy is used for businesses having more than one location, referring to a whole category of things. Personal liability umbrella is particularly useful when the assets you own requires protection at a time when someone sues you. It may also provide coverage for claims that may be excluded by the primary policies.

Have you prepared for your old days? It is very much important to be prepared for the day when you are retiring. Imaging what it would be like without the same energy, ability, and income that we get today. Wouldn't it be much better if you are just at home or on vacation, worrying nothing?

Nursing Home Insurance
Thousands of Californian adults receive nursing home care insurance each year. A nursing home is a place for an adult or senior citizen who does not need to be in a hospital but can't be cared for at home. Most nursing homes have nursing aides and skilled nurses on hand 24 hours a day. Medicare only offers limited nursing home insurance, so it is really a must to purchase a nursing home insurance to protect yourself and your loved ones. Nursing home insurance offered in California covers basic living-related expenses and nursing attention that one needs while living in a nursing home facility.

Adult Day Care Insurance
Adult day care insurance is a senior service for older adult or senior who can no longer manage independently, or who are isolated and lonely. Adult day care is a program of activities designed to promote well-being though social and health related service Adult day care facilities and centers are available in California and other U.S. states. Through these, senior citizens are able to socialize with others while still receiving attention. Adult day care centers in California and other U.S. states can be public or private, non-profit or for-profit. Many centers are affiliated with multi-service entities such as home care, assisted living, nursing facilities and hospitals.

California Care Insurance
Senior, or elderly care, insurance is the fulfillment of special needs and requirements of senior citizens living in California and other US states. California care insurance covers senior care insurance and services such as nursing home and adult day care.
 

Auto insurance protects individual against loss if one have an accident. It is a contract between an individual and the insurance company. The individual agree to pay the premium and the insurance company agrees to pay your losses as defined in the policy when an accident do happen.

Auto insurance provides property, liability and medical coverage:

• Property coverage pays for damage to or theft of your car
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses

An automobile insurance policy is comprised of six different kinds of coverage. Most states requires you to buy some, but not all, of the above mentioned coverage. If you're financing a car, your lender may also have requirements.

Most automobile insurance coverage are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Why do you need auto insurance?
It's really all about protecting yourself financially

• If you're involved in a auto accident or if you car gets stolen, it costs money, often a lot of money, to fix or replace it.
• If you or your passengers are injured in an auto accident, medical costs can be extremely expensive.
• If you or your car is responsible for the damages or injury to others, you may be sued for much more than you're worth.
• Not only is having insurance a prudent financial decision, many states require you to have at least liability coverage

Questions to ask your automobile insurance agent?
Your Independent Agent is an advocate for finding the best automobile insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

• How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs, if an accident do occur)
• What is the insurance company's level of service and ability to pay claims?
• What discounts are available? (Ask about good driver, multiple policy, and student discounts)
• What's the procedure for filing and setting a claim? (Ask who to call and what happens after you file a claim)