John Mosher, CLU®, ChFC®, AEP®

Estate & Business Planning Advisor

Estate & Business Planning

John Mosher is an Accredited Estate Planner specializing in the areas of estate, business, business succession and executive benefit planning.

Estate Planning

Why does this matter to you?

In our society, we have a tendency to believe Estate Planning is only for the "wealthy." Do not confuse Estate "Tax" Planning with Estate Planning. If you dont proactively provide your own estate planning, the government provides a will for you. Most individuals want to be able to decide for themselves what happens to their assests when they pass. Take a look below to reference the basic documents each one of us should implement.

However, if you have accumulated a sizeable "nest egg" you may want to consider the following questions:

Do you have a "Zero Tax" Estate Plan?

Did you know the "Estate Tax" is optional?

 

Most people resign themselves to death and taxes. However, with proper planning the Estate Tax is something you and your family can completely avoid.** Our team collaborates as and with experts nationally in the highest levels of legal, tax, financial and philanthropic planning to bring sophisticated ideas in easy to understand, workable solutions.

All you have to do is work with our team to be proactive using all the "tools in the tool belt" the IRS allows. Why not take advantage of the opportunities they provide?

Let's connect in the near future to brainstorm about your wishes and you'll quickly see how we can bring value to your planning!

What does the Estate Planning Process Look Like?

  • Clarify your goals and objectives

    • Estate planning is much more than creating a will or planning for estate taxes. By clarifying your goals and objectives through planning, you can leave a legacy to your spouse, your family and your community if desired.
  • Consider your current plan.

    • Is it current? Does it reflect your goals and objectives?

  • Build flexibility into your plan

    • Circumstances change, often in unexpected ways. The best way to deal with these changes is to establish a flexible plan. 

  • Implement your plan

    • With help from your advisor, take the steps necessary to put your plan in place. Implementation may also involve the purchase of financial products, such as insurance and investments.

  • Review your plan
    • You should review your plan any time your circumstances change (for example, you get married or divorced, you have children or grandchildren, or your wealth changes significantly.) At a minimum, review your plan every two years.

In addition to the expertise our team can offer, you'll want to work with an estate-planning attorney to establish:

  • Health care directive or a living will that specifies the extent to which you want health care professionals to treat you if you become ill or incapacitated.
  • Power of an attorney that grant people you trust the legal authority to act on your behalf in case of a sudden accident or illness.
  • A will or trust to ensure your assets are transferred according to your wishes.
  • The naming of a legal guardian for children under the age of 18.

 

***Wealth Management Advisors do not give legal or tax advice.  Taxpayers should seek advice based on their particular circumstances from an independent tax advisor.

Business Planning

Whether you're thinking about launching a new business or planning to expand an exisiting one, my team and I can help you create, grow and protect your business's value.

We'll work with you to develop a personalized financial plan with solutions designed to meet the unique needs of your business, with stategies to:

  • Integrate all aspects all of financial planning for your business and your personal life to ensure success on both fronts.
  • Minimize risk by being prepared for the unexpected.
  • Safeguard your business with coverage to help offset the loss of cash flow if you become sick or hurt.
  • Recruit and retain employees with competitive benefits programs, including fee-based financial planning services.
  • Enhance your benefits programs to reward employees who are key to the success of your business.
  • Transition your business smoothly with a properly designed and funded business succession plan.

 

 

To learn more about Northwestern Mutual Investment Services, LLC and its financial representatives, visit: FINRA BrokerCheck