About Me

Estate Planning Wills and Trusts State of California Department of Justice Office of the Attorney General

We help our clients create estate plans that allow them to pass down their estate to their loved ones while avoiding tax liability as much as possible. That’s what legacy planning for families offers — it allows you to provide for your family while retirement income strategies preserving your core values and passing them onto the next generation. Money is a very personal matter, and it can be difficult to talk about the specifics of your assets and inheritance plans, even with your closest loved ones.
How to Get Started with Family Legacy Planni


For most people approaching 60, the question arises, "When should I retire? This year’s survey provides insights into the confidence, concerns and behaviors of workplace savers, plan sponsors and retirees to help build a more secure retirement for everyone. Effectively optimizing retirement income requires addressing the problem from all angles, with a particular focus on helping those Americans who lack access to traditional financial planning advice and tools. Leveraging BlackRock’s proprietary lifecycle model, our analysis demonstrates how taking a holistic approach to retirement income benefits savers. The goal is to optimize that income – allowing for smooth consumption over time and, importantly, ensuring the money doesn’t run out. Financial advice often focuses on boosting personal savings rates and maximizing return on investment during a worker’s accumulation year

You’re on the lookout for the best investment products, and we are too.
Diversification is an essential strategy that has been a difference-maker in wealth preservation for centuries. It provides ammunition to be opportunistic and gives you the ability retirement income strategies to buy while others might be forced sellers. A good rule of thumb is to keep six months of business or household operating expenses in cash or cash equivalent


An adult child who inherits wealth outright even becomes a target for frivolous claims. Even if kept separate, a court may consider inherited assets as part of someone’s overall financial picture when dividing marital assets or determining spousal support. Inheritances given to an adult child outright can become marital property if the assets are commingled with marital fund

Comprehensive Financial Planning
Please provide valid information for all required fields below. Marty Burbank wants to live in a world where children are healthy and safe, where seniors live without fear or pain, and where veterans are cared for and respected. Financial plan, emergency fund, investment diversification, insurance By integrating these strategies, you can improve financial stability, accommodate shifting market conditions, and reassure your heirs of a smooth wealth transition. In today's uncertain economic climateunderstanding how to safeguard your assets is more important than ever. Neither VAI, VNTC, nor its affiliates guarantee profits or protection from losses.
Invest in insurance to protect family wealth
But families who successfully preserve their wealth typically spend more time and energy on tax strategy and protecting their wealth than selecting the right investments. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Permanent life insurance can be a good diversification play, offering protection along with cash value and an investment component. It provides excellent liquidity so your heirs can pay taxes without selling retirement income strategies assets (very important if you own a business or a real estate portfolio). In this environment, it is essential to be strategic, calculated and prepared to protect the family assets and take full advantage of the opportunities availabl


Offshore jurisdictions may provide additional layers of legal complexity and separation, but with higher costs and regulatory requirements. States like Nevada and South Dakota have statutes specifically designed for asset protection trusts. Professionals such as physicians, attorneys, or business owners may use APTs to distance personal assets from potential claims related to their work. Unlike revocable trusts, which offer no legal barrier between the individual and their assets, APTs may provide a layer of protection under specific legal condition


That said, the whole process to create a foundational estate plan usually runs five weeks from initial steps like a consultation to signing Estate Plan documents. It’s vital to get this right, and to keep getting it right as circumstances change. It really depends on the complexity of your specific situation, which a good attorney will take time to understand fully. We have offices throughout California, and we offer in-person, phone, and Zoom appointments. The lawyers and staff at CunninghamLegal help people plan for some of the most difficult times in their lives; then we guide them when those retirement income strategies times come. Once again, this is not a simple or static collection of documents, but one that must be properly created, archived, maintained, and updated over tim