Estate Planning: 5 Tips to Pick Trustees, Executors and POAs | Kiplinger

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Away”,”altTitle”:null,”subtitle”:”A federal program to send COVID at-home tests to your door will be suspended soon. Here’s how to get some before the deadline.”,”url”:”/personal-finance/605163/how-to-score-free-covid-tests-before-they-go-away”,”contentType”:”ARTICLE”,”teaserLabel”:”personal finance”,”cta”:null,”teaserImage”:”__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–WmeZASwj–/v1661960755/covidtestsssa83122.jpg”,”width”:8660,”height”:4871,”updated”:”2022-08-31T11:50:38-04:00″,”isSponsored”:false,”sponsor”:null,”Article:605177″:”id”:”605177″,”__typename”:”Article”,”title”:”Selling Your Construction Business to Employees or Family? Here Are 5 Tips for Success!”,”altTitle”:null,”subtitle”:”Even though you’ve already identified a great buyer for your business – and it’s someone you know and trust ¬¬– you still have some work to do to make this transition go smoothly.”,”url”:”https://www.kiplinger.com/business/small-business/605177/selling-your-construction-business-to-employees-or-family-here-are-5″,”contentType”:”ARTICLE”,”teaserLabel”:”small business”,”cta”:null,”teaserImage”:”__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–_v4FhqaV–/v1662133315/ConstructionHat.jpg”,”width”:3200,”height”:1800,”updated”:”2022-09-03T04:30:06-04:00″,”isSponsored”:false,”sponsor”:null,”Gallery:19934″:”id”:”19934″,”__typename”:”Gallery”,”title”:”33 States with No Estate Taxes or Inheritance Taxes”,”altTitle”:null,”subtitle”:”Even with the federal exemption from death taxes raised, retirees should pay more attention to estate taxes and inheritance taxes levied by states.”,”url”:”https://www.kiplinger.com/slideshow/retirement/t021-s001-states-with-no-estate-taxes-or-inheritance-taxes/index.html”,”contentType”:”GALLERY”,”teaserLabel”:”retirement”,”cta”:null,”teaserImage”:”__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–lsWitThO–/v1647877379/Death_Taxes_Note.jpg”,”width”:3200,”height”:1800,”updated”:”2022-09-02T11:24:35-04:00″,”Article:605173″:”id”:”605173″,”__typename”:”Article”,”title”:”Stop Being Afraid of a Down Market”,”altTitle”:null,”subtitle”:”Bear markets typically aren’t as scary as most investors fear. Really. Here’s why, and an outline of the options investors have.”,”url”:”https://www.kiplinger.com/investing/605173/stop-being-afraid-of-a-down-market”,”contentType”:”ARTICLE”,”teaserLabel”:”investing”,”cta”:null,”teaserImage”:”__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–7fLPo7bx–/v1620409471/SuperHero21.jpg”,”width”:3200,”height”:1800,”updated”:”2022-09-02T04:30:05-04:00″,”isSponsored”:false,”sponsor”:null,”Article:605171″:”id”:”605171″,”__typename”:”Article”,”title”:”How to Inspire Your Grandkids to Invest in Charitable Giving”,”altTitle”:null,”subtitle”:”When trying to motivate future generations to invest in good causes, it’s easy to get caught up in the “what.” Yet it’s the “why” that really makes the difference. For me, it was escaping a coup in Liberia as a child.”,”url”:”https://www.kiplinger.com/personal-finance/charity/605171/how-to-inspire-your-grandkids-to-invest-in-charitable-giving”,”contentType”:”ARTICLE”,”teaserLabel”:”Charity”,”cta”:null,”teaserImage”:”__typename”:”Image”,”src”:”https://mediacloud.kiplinger.com/image/private/s–S48ozaZ3–/v1603716632/GrandmaHighFive.jpg”,”width”:3200,”height”:1800,”updated”:”2022-09-01T04:42:06-04:00″,”isSponsored”:false,”sponsor”:null,”Author:604865″:”id”:”604865″,”__typename”:”Author”,”name”:”Richard M. Ricciardi Jr., Esq.”,”url”:”https://www.kiplinger.com/authors/richard-m-ricciardi-jr-esq”,”shortBio”:”u003cp>Richard Ricciardi is an estate planning attorney and partner at u003ca href=”https://www.your-advocates.org/” target=”_blank”>Powell, Jackman, Stevens & Ricciardi, P.A.u003c/a> in Fort Myers, Fla. Richard obtained his Master of Laws Degree in estate planning and elder law, which required extensive additional education tailored specifically to advanced issues in estate planning, including business succession planning and taxation issues affecting estate transfers. Richard represents clients with a variety of debt issues, personal representatives, trustees, beneficiaries in probate or trust administration and singles and couples in preparing estate planning documents.u003c/p>”,”jobTitle”:”Partner”,”type”:”Contributor”,”disclaimer”:null,”generalLegalDisclaimer”:”This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the u003ca href=”https://adviserinfo.sec.gov/”>SECu003c/a> or with u003ca href=”https://brokercheck.finra.org//”>FINRAu003c/a>.”,”company”:”Powell, Jackman, Stevens & Ricciardi”,”DataBlock:02fd0dc21f8fbfbb5a1fd76ec5a89fbeaa25a0dc”:”id”:”02fd0dc21f8fbfbb5a1fd76ec5a89fbeaa25a0dc”,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>Making sure that your estate planning documents are implemented as early as possible is extremely important. One of the biggest challenges that clients encounter during the process is deciding who to appoint as their trustees, powers of attorney, health care surrogates and executors.u003c/p>n””,”wordCount”:43,”DataBlock:3805da2c0b2700e6c325d2683a9325974ac5f6e8″:”id”:”3805da2c0b2700e6c325d2683a9325974ac5f6e8″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>Below are some practical tips to help guide you in your decision making.u003c/p>n””,”wordCount”:13,”DataBlock:1f1b462340b0e0b87629ba1e5539ddc095ae8d36″:”id”:”1f1b462340b0e0b87629ba1e5539ddc095ae8d36″,”__typename”:”DataBlock”,”type”:”HEADER”,”data”:””text”:”1. Give preference to those who have the most time to devote and live nearby”,”size”:”2″”,”wordCount”:null,”DataBlock:8cb01349e4c417192bfce92509c7bbd0c6eba9cb”:”id”:”8cb01349e4c417192bfce92509c7bbd0c6eba9cb”,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>Lots of my clients have very accomplished children who are successful business owners, professionals or leaders in their trade or occupation. The most successful people might not always be the best choice since these individuals sometimes run tighter schedules and have less time to devote to helping you with your affairs than others. In addition, maybe certain children have more kids and other obligations than others. This is important to take into account.u003c/p>n””,”wordCount”:73,”DataBlock:e497f81c8c68a0664efd6ab36d159d59bd3331b4″:”id”:”e497f81c8c68a0664efd6ab36d159d59bd3331b4″,”__typename”:”DataBlock”,”type”:”RELATED_CONTENT”,”data”:”[“url”:”/retirement/estate-planning/605106/youre-not-too-young-for-an-estate-plan-7-essentials-for-your-20s”,”title”:”You’re Not Too Young for an Estate Plan: 7 Essentials for Your 20s and 30s”,”label”:”You’re Not Too Young for an Estate Plan: 7 Essentials for Your 20s and 30s”,”primaryMediaType”:”IMAGE”,”image”:”id”:”46266″,”publicId”:”MillennialCareer”,”format”:”jpg”,”version”:1622403535,”url”:”http://mediacloud.kiplinger.com/image/private/s–loxkAST0–/v1622403535/MillennialCareer.jpg”,”secureUrl”:”https://mediacloud.kiplinger.com/image/private/s–loxkAST0–/v1622403535/MillennialCareer.jpg”,”width”:3200,”height”:1800,”size”:353407,”tags”:[“desk”,”event”,”eyewear”,”sleeve”,”street fashion”,”table”,”white-collar worker”],”created”:”2021-05-30T19:38:55Z”,”credit”:”Getty Images”,”alt”:”A young man on the job.”,”src”:”https://mediacloud.kiplinger.com/image/private/s–loxkAST0–/v1622403535/MillennialCareer.jpg”,”fullDistributionRights”:true,”__typename”:”Image”,”summary”:”Accidents happen. Illnesses can strike anyone unexpectedly. So, take a moment to get a few basic estate planning tasks out of the way. You — and the people you love — will be glad you did.”,”rating”:0,”priceMin”:0,”priceMinPrefix”:””,”priceMinSuffix”:””,”priceMax”:0,”priceMaxPrefix”:””,”priceMaxSuffix”:””]”,”wordCount”:null,”DataBlock:5ef64daaf442c63408efc635d702642ff798d3b6″:”id”:”5ef64daaf442c63408efc635d702642ff798d3b6″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>Additionally, give preference to people who are closer in proximity to you. It is certainly easier for them in terms of being your power of attorney and u003ca href=”https://www.kiplinger.com/retirement/estate-planning/602696/now-is-the-time-to-protect-your-health-care-decision-making”>health care surrogateu003c/a>. However, being nearby can matter less for trustees and executors.u003c/p>n””,”wordCount”:41,”DataBlock:a235f79907b771c86428e1e8df9f6b4051aa65aa”:”id”:”a235f79907b771c86428e1e8df9f6b4051aa65aa”,”__typename”:”DataBlock”,”type”:”HEADER”,”data”:””text”:”2. Do not make arbitrary designations”,”size”:”2″”,”wordCount”:null,”DataBlock:2b2539d09928382739d6e4618228e53d0585e836″:”id”:”2b2539d09928382739d6e4618228e53d0585e836″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>Another mistake I see a lot is selecting an individual based on arbitrary characteristics. You see this a lot when someone appoints a particular child just because they are the oldest. Perhaps there is one son or daughter, and they appoint that person based on gender.u003c/p>n””,”wordCount”:46,”DataBlock:b121b474b10605eb07c63550f84d7e99a2e62822″:”id”:”b121b474b10605eb07c63550f84d7e99a2e62822″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>Selecting an agent is very important. There are a lot of factors to consider, but you should not select individuals based on these arbitrary factors.u003c/p>n””,”wordCount”:25,”DataBlock:50a8bb2639187c06d2d7ae57bfed3a5c03927d00″:”id”:”50a8bb2639187c06d2d7ae57bfed3a5c03927d00″,”__typename”:”DataBlock”,”type”:”HEADER”,”data”:””text”:”3. Avoid naming multiple agents, when possible”,”size”:”2″”,”wordCount”:null,”DataBlock:2434c2343094a391f2293f8c3e14d51ff2faba4a”:”id”:”2434c2343094a391f2293f8c3e14d51ff2faba4a”,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>A lot of my clients want to make sure none of their children feels left out, so they want to appoint all their children to every position possible. This, more often than not, leads to deadlock or discourse once decisive action is necessary.u003c/p>n””,”wordCount”:43,”DataBlock:e1bbdbbac1904bfb173f33f5f703c7d4cc592c28″:”id”:”e1bbdbbac1904bfb173f33f5f703c7d4cc592c28″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>For example, I had a client who recently came back to me to change his documents after he had appointed his three children all as co-agents and trustees. He realized that such action would lead to great disagreement among them, and as a result, timely action would be difficult. Three “Type A” personalities made it hard for them to agree, as each of them wanted to lead.u003c/p>n””,”wordCount”:67,”DataBlock:b8b8c89c14b28c5a553529b262531ec7ae28f01e”:”id”:”b8b8c89c14b28c5a553529b262531ec7ae28f01e”,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>Therefore, avoid multiple agents when you can, unless you are sure everything will run smoothly.u003c/p>n””,”wordCount”:15,”DataBlock:739b88b4d5e1219be731033666457bc9eba2abc6″:”id”:”739b88b4d5e1219be731033666457bc9eba2abc6″,”__typename”:”DataBlock”,”type”:”HEADER”,”data”:””text”:”4. Pick the best agent for today”,”size”:”2″”,”wordCount”:null,”DataBlock:70383cc74cc04c1d42b4953c6571f7d1dc4f5f9e”:”id”:”70383cc74cc04c1d42b4953c6571f7d1dc4f5f9e”,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>I counsel a fair number of younger clients and clients without children. They always have the most difficulty because the answer as to who will be their agent is certainly not as obvious and can be more complex. If you are appointing an agent who is older, maybe that person dies or becomes incapable of acting when you need them. If you appoint a friend, maybe that person isn’t a friend in the future.u003c/p>n””,”wordCount”:74,”DataBlock:5577f94299ccc7b6b9cbab171adcbb1b2c7a595f”:”id”:”5577f94299ccc7b6b9cbab171adcbb1b2c7a595f”,”__typename”:”DataBlock”,”type”:”RELATED_CONTENT”,”data”:”[“url”:”/retirement/retirement-plans/required-minimum-distributions-rmds/605162/will-your-kids-inherit-a-tax”,”title”:”Will Your Kids Inherit a Tax Bomb from You?”,”label”:”Will Your Kids Inherit a Tax Bomb from You?”,”primaryMediaType”:”IMAGE”,”image”:”id”:”50152″,”publicId”:”DaughterAndMom”,”format”:”jpg”,”version”:1646408908,”url”:”http://mediacloud.kiplinger.com/image/private/s–N6vdcGT2–/v1646408908/DaughterAndMom.jpg”,”secureUrl”:”https://mediacloud.kiplinger.com/image/private/s–N6vdcGT2–/v1646408908/DaughterAndMom.jpg”,”width”:3200,”height”:1800,”size”:334188,”tags”:[“comfort”,”event”,”eyelash”,”flash photography”,”fun”,”gesture”,”happy”,”people in nature”,”skin”,”smile”],”created”:”2022-03-04T15:48:28Z”,”credit”:”Getty Images”,”alt”:”A mom brushes away hair out of her daughter's face.”,”src”:”https://mediacloud.kiplinger.com/image/private/s–N6vdcGT2–/v1646408908/DaughterAndMom.jpg”,”fullDistributionRights”:true,”__typename”:”Image”,”summary”:”You’ve carefully saved a lot in tax-deferred retirement accounts, and you hope to pass much of that wealth to your loved ones. Unfortunately, your legacy for your heirs will also include a massive tax bill.”,”rating”:0,”priceMin”:0,”priceMinPrefix”:””,”priceMinSuffix”:””,”priceMax”:0,”priceMaxPrefix”:””,”priceMaxSuffix”:””]”,”wordCount”:null,”DataBlock:95797be54c2f21a7cec61dd7cde351fa9f660974″:”id”:”95797be54c2f21a7cec61dd7cde351fa9f660974″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>I always tell my clients to appoint the best person for today. You can always make changes to agents, trustees and executors in easy fashion.u003c/p>n””,”wordCount”:25,”DataBlock:c7cbf367f7895291d91fd975970f33b4fed4be59″:”id”:”c7cbf367f7895291d91fd975970f33b4fed4be59″,”__typename”:”DataBlock”,”type”:”HEADER”,”data”:””text”:”5. Consider a professional trustee or fiduciary under certain circumstances”,”size”:”2″”,”wordCount”:null,”DataBlock:7fd3e3c5b86954073892ac8258a666cd01fffb45″:”id”:”7fd3e3c5b86954073892ac8258a666cd01fffb45″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>In some situations, appointing a u003ca href=”https://www.kiplinger.com/article/retirement/t021-c032-s014-why-you-may-need-“>professional or institution as a trusteeu003c/a> is the best route to take. If you have one beneficiary whose share of your estate has to be held in further trust so they are not getting their inheritance all at once, you should consider the above. Otherwise, discretionary distributions may be left up to family members, and that could create an adversarial relationship between them that might have not previously existed.u003c/p>n””,”wordCount”:74,”DataBlock:1fefaa4703283fdbf395e131336464b3fee9fdee”:”id”:”1fefaa4703283fdbf395e131336464b3fee9fdee”,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>Also, if you are of substantial wealth or have u003ca href=”https://www.kiplinger.com/retirement/estate-planning/603546/a-smart-option-for-transferring-wealth-through-generations-the”>generational trustsu003c/a>, professionals and institutions are better suited to deal with those issues and manage those types of complex trusts for the beneficiaries. I understand fees for these services can be substantial, but they are worth it under certain circumstances.u003c/p>n””,”wordCount”:50,”DataBlock:e55b21984ae561941a61ce2f1118a9c3b25d171b”:”id”:”e55b21984ae561941a61ce2f1118a9c3b25d171b”,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp>The estate planning vehicles themselves are important to have. However, the documents and plan are only as good as the agents you appoint. The agents are the real drivers of whether or not a plan is successful. Therefore, making the right choice is essential.u003c/p>n””,”wordCount”:44,”DataBlock:bdaeee9ba2c22d0ae9ef989ce2220f906de3e232″:”id”:”bdaeee9ba2c22d0ae9ef989ce2220f906de3e232″,”__typename”:”DataBlock”,”type”:”TEXT”,”data”:””u003cp> Use the tips above to help guide you, and certainly speak to a professional estate planning attorney and get their opinion on your specific situation as well.u003c/p>n””,”wordCount”:27,”DataBlock:19c936371aaa1ee5da62d90bdcaa50cd3abbfd17″:”id”:”19c936371aaa1ee5da62d90bdcaa50cd3abbfd17″,”__typename”:”DataBlock”,”type”:”RELATED_CONTENT”,”data”:”[“url”:”/retirement/estate-planning/605116/a-checklist-for-what-to-do-and-not-do-after-someone-dies”,”title”:”A Checklist for What to Do (and NOT Do) After Someone Dies”,”label”:”A Checklist for What to Do (and NOT Do) After Someone Dies”,”primaryMediaType”:”IMAGE”,”image”:”id”:”50080″,”publicId”:”ChecklistGreen”,”format”:”jpg”,”version”:1645994079,”url”:”http://mediacloud.kiplinger.com/image/private/s–KpDymqjQ–/v1645994079/ChecklistGreen.jpg”,”secureUrl”:”https://mediacloud.kiplinger.com/image/private/s–KpDymqjQ–/v1645994079/ChecklistGreen.jpg”,”width”:3200,”height”:1800,”size”:359343,”tags”:[“eye”,”font”,”office supplies”,”parallel”,”rectangle”,”tints and shades”,”triangle”,”writing implement”],”created”:”2022-02-27T20:34:39Z”,”credit”:”Getty Images”,”alt”:”A spiral notebook with a checklist and several items checked off.”,”src”:”https://mediacloud.kiplinger.com/image/private/s–KpDymqjQ–/v1645994079/ChecklistGreen.jpg”,”fullDistributionRights”:true,”__typename”:”Image”,”summary”:”It’s easy to overlook an important task after a spouse or other loved one passes away – like retitling assets. It’s a little thing with big ramifications. Follow this checklist to help make a challenging time less confusing.”,”rating”:0,”priceMin”:0,”priceMinPrefix”:””,”priceMinSuffix”:””,”priceMax”:0,”priceMaxPrefix”:””,”priceMaxSuffix”:””]”,”wordCount”:null};