Trusts. An ancient modern tool

Why have a Trust? The simple reason for establishing a Trust is to separate assets from your ownership to ensure they are protected for your intended beneficiaries. The main reasons for establishing a Trust are: • Protection of your personal assets from the risks of business. Using a Trust ensures you don’t loss the family home and other personal assets in the event of your business failing. The transfer of your assets to a trust must be done before any creditor action or business failure is evident. • To ensure your assets transfer to your children, without challenge, and they remain protected should their relationship with their partner breaks down in the future. • To provide for depende

3 reasons why you should buy life insurance before or after you have children.

Think you don't need life insurance if you don't have kids? You may want to think again. It may seem like an unnecessary expense. But there are many benefits to having life insurance, even if you’re not supporting a family. Here are 3 reasons why you should buy life insurance. 1. Mortgage Protection Your home is your largest asset which becomes your spouse or partners financial responsibility if you pass away unexpectedly. Purchase a term life insurance policy for at least the amount and term of your mortgage.Then, if you pass away during the "term" when the policy’s in force, your loved ones receive the face value of the policy. They can use the proceeds to pay off the mortgage. Actually,

Is it time to renew your will?

Taking responsibility for yourself and family can be a full time task, right? With such busy lives on the go, often the simplest of tasks get forgotten in the rush to enjoy a good lifestyle and a happy family life. One of the key tasks that we all need to get done, now, is making or reviewing our Last Will and Testament to ensure that if the unthinkable does happen - then your family doesn’t have to bear the pain of your loss on top of the severe financial hardship not having a Will can cause. From where I sit I see the effects both good and bad when it comes to Wills. And it’s the good ones that I obviously like the most. So for your entertainment I have studiously copied below a summary of

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© Alan Fleet 2020

Mobile Phone: 021 683 787



PO Box 4423 Kamo, Whangarei 0141

17 Charles Street, Kamo, 0112

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