The FINANCIAL AWARENESS Foundation YOUR …

1 Develop & Maintain a Sound estate Plan for You & your Familyfreedomachieve and maintainHelping yous e c u r it y,andstability, FINANCIAL your estate planning organizer The FINANCIAL AWARENESS Foundationvifinancial PARTNER MY estate planning ORGANIZERS eriesYour estate planning organizer Helping to Develop & Maintain a Sound estate Plan for You & your Family VERSION A-033115In preparation of this publication and forms set, every effort has been made to offer the most current, correct and clearly expressed information possible. Nonetheless, inadvertent errors can occur, and tax rules and regulations often , information in the text is intended to offer general guidelines on matters of FINANCIAL planning and management to everyone.

2 The application and impact of tax laws and FINANCIAL matters can vary widely, based upon the specific or unique facts involved. Accordingly, information in this book is not intended to serve as legal, accounting, or tax advice. Readers are encouraged to consult with professional advisors concerning specific matters before making any decision, and the author and publishers disclaim any responsibility for positions taken by taxpayers in their individual cases or for any misunderstanding on the part of by The FINANCIAL AWARENESS Foundation & Valentino Sabuco, CFP , AEP Copyright 1998 2015 Valentino SabucoThe following are trademarks of Valentino SabucoYour FINANCIAL PA RT NER is a trademarkThe Decision Maker FINANCIAL Independence & Retirement (FIR ) The Money Manager your estate planning organizer your FINANCIAL organizer (YFO )All rights reserved.

3 To ensure compliance with requirements imposed by the Internal Revenue Service, we inform you that any tax advice contained in this communication (including any attachments) is not intended to be used, and may not be used, by any taxpayer for the purposes of (1) avoiding tax-related penalties under the Internal Revenue Code or (2) promoting, marketing or recommending to another party any tax-related matters addressed , transmission, or translation of any part of this work beyond that permitted by Section 107 or 108 of the 1976 United States Copyright Act without permission of the copyright owner is unlawful. Request for permission or further information should be addressed to Valentino Sabuco, Executive Director & Publisher at , or Permissions Department at The FINANCIAL AWARENESS Foundation , Mailing Address.

4 979 Golf Course Drive, #273, Rohnert Park, Sonoma County, CA #978-0-9678860-6-0 Printed in the United States of AmericaSectioniiiThe FINANCIAL AWARENESS Foundation A 501 (c)(3) Nonprofit Organization Dedicated to Improving FINANCIAL AWARENESS & FINANCIAL literacy The FINANCIAL AWARENESS Foundation serves as a nonpolitical and neutral FINANCIAL AWARENESS advocate for the public, the FINANCIAL professionals, their companies, and their associations, educational institutions, municipalities, and nonprofits. Our mission is to significantly help solve a major social problem dealing with the lack of FINANCIAL AWARENESS and FINANCIAL literacy.

5 We believe that teaching FINANCIAL literacy and the key essential principles of smart FINANCIAL management are very important. This gives people the tools to address everyday FINANCIAL decisions in a more informed manner and have the best possibilities to reach and maintain their personal FINANCIAL freedom, security, and philanthropy. We are taking an active leadership role to recognize the lead FINANCIAL service, nonprofit, education based associations/organizations and their professionals that are championing improving FINANCIAL AWARENESS and FINANCIAL literacy. We are uniting them with other associations, organizations, nonprofits, educational institutions, municipalities, companies, firms, members, associates and employees to actively focus their vast community resources into a concentrated improving FINANCIAL AWARENESS content media blitz every six months through the strategic venues of National FINANCIAL Literacy Month (April) and 6 months later during National estate planning AWARENESS Week (October).

6 Further we deliver and develop exceptional educational content to the public and to professionals, nonprofits, and educational institutions that support the public s estate and FINANCIAL planning and charitable planning Foundation is hard at work to become the Foundation of choice for improving FINANCIAL AWARENESS and FINANCIAL literacy for the public, and amongst FINANCIAL service professionals and their associations and companies, nonprofits, educational institutions, municipalities, the news media, and associated FINANCIAL service and technology companies. We hope your will enjoy and find the following materials valuable and helpful to you and your family.

7 If so help us do more by making a tax deductible contribution to us at To learn more about us and our FINANCIAL AWARENESS campaigns and programs, and how you can make a meaningful difference , and to sign up to our mailing list, visit us at For additional information about organization, campaigns, programs and activities, or to discuss volunteer activities, sponsorships, planned gifts, and contributions and grants to The FINANCIAL AWARENESS Foundation , please contact us you for your consideration and we wish you all the very financialPA RT N ER iv1. How does the automatic page number for the Table of Contents work?

8 Automatic TOC page numbers are generated by a TOC Style, which can be created based on Headline & subhead paragraph styles (Layout/Table of Contents Styles)2. Take a couple more hours - do when add or delete pages AND style sheets are ..viiWelcome & Introduction to your estate planning organizer ..1 Getting Acquainted ..2 How Do I Begin? ..2 Registration ..3 your estate planning Starts Now ..5 Some Questions to Ponder ..7 Learning the Basics An estate planning Overview ..9 Common estate planning Terms ..12 Common estate planning Mistakes to Avoid ..13 Understanding the System Six Steps to a Successful estate Plan 15 STEP 1. Define your estate planning Goals.

9 16 STEP 2. Gather & Organize your FINANCIAL Data ..18 STEP 3. Analyze your Situation & Discuss It with Advisors ..20 STEP 4. Develop your Strategies ..24 STEP 5. Implement your Plan ..25 STEP 6. Track & Monitor your Progress ..27 Working the System estate planning Package for your Advisors 29 estate planning Package Forms Set Guide ..30 Make your Things to Do List ..31 Organize your Personal & Family Data ..32 Outline your Family Tree ..34 Assemble your Simple Net Worth Statement ..34 Summarize your Retirement Plans ..36 Summarize your Life Insurance Policies ..38 Get a Picture of your Spending Employment Benefits Summary ..41 Outline your estate Plan Goals & Documents.

10 42 estate Plan Location Sheet ..44 Getting the Job Done Taking It to Advisors ..47 Working with your Attorney ..48 Working with your FINANCIAL Advisors ..49 Summarizing the System your estate planning Checklist ..51 your estate planning Checklist ..52 estate planning Is a Lifelong Process ..55 Donor Contribution Form ..57 your estate planning OrganizerTable of Contentsv1. How does the automatic page number for the Table of Contents work? Automatic TOC page numbers are generated by a TOC Style, which can be created based on Headline & subhead paragraph styles (Layout/Table of Contents Styles)2. Take a couple more hours - do when add or delete pages AND style sheets are planning Package Forms Set Things to Do.