About - Howard S. Kirkpatrick

Testimonials

• "Attorney Kirkpatrick's plan saved me and my family over $10,000 the day we signed our documents. We're glad we didn't go with the lawyer our financial advisor suggested. He was cheaper, but you always get what you pay for. Howard's system will make sure our kids and grandkids get our money—not the government! Only a fool would pay more than their fare share of taxes!"
JEFF DENIS, EASTHAMTON, MA

• "Very positive, prompt service, comprehensive approach, everything done quickly and effciently."
JOHN AND PAM STAFFIER, WESTBORO, MA

• "Howard's expertise in estate planning made this a stress-less andenjoyable task rather than anxiety-ridden and confusing. Howard is personable, professional, unfailingly polite and an accomplished communicator.
I highly recommend him."
DONNA VB, AMHERST,
MAGRAFTON, MA

• "I feel confident that I understand the way a trust works to protect my family and my assets."
PAUL R TIGHE,
NORTH GRAFTON, MA

• "I'd been thinking about setting up a trust/life plan for some time. Attorney Kirkpatrick's presentation was very clear and made sense for me to do it. There was no pressure or "hard sell" tactics, which I appreciated. Attorney Kirkpatrick is VERY accommodating as far as appointments are concerned."
DIANE A., EASTHAMPTON, MA

• "I wish we'd done this sooner. It's scary thinking that we could have lost everything we worked for with one illness or car accident. And with the estate tax coming back, our investment will save us $600,000 in taxes. And our in-laws won't get anything after we're gone either."
KURT AND KAREN WHEATON, ATTLEBORO, MA

• "Howard made us realize that we were not as prepared as we thought we were. Now…we finally have 'peace of mind.' We have protected each other as well as our heirs."
CARL AND JANE R.,
SPRINGFIELD, MA

• "Estate planning was something we kept delaying. We were very impressed with Attorney Kirkpatrick's presentation at a seminar he presented so we contacted his office to do our planning. This planning will lead to peace of mind knowing that our wishes will be followed."
JAMES AND MARY B.,
WESTFIELD, MA

FREE RESOURCES

How many are YOU Making?

Have you been putting off doing a Will? Are you worried about the rising cost of health care and whether you'll outlive your money? Even if you already have a Will or a trust, chances are you've already made costly errors in your planning. For instance, did you put one or more of the kids "name" on your property? If so, you have joint property and you better make changes FAST...before it's too late!

The Truth About Joint Property Ownership

If you're reading this, there is a high probability you hold property jointly with someone else (your children, siblings, etc.) After all, isn't that the way it's done in America? Well, it's a HUGE mistake that could cost you that property! It's so bad I've devoted several pages to it in my Report, "The 10 Most Common Estate Planning Mistakes." Get your FREE copy and see why "putting the kids names" on your house or other assets could be your worst nightmare!

Is a Will the Way?

Most people think that if they have a will all is good. But is it? Wills are a good if you are a newlywed, recently had a child, or just bought life insurance. When properly drafted (another big problem) Wills can tell us how you want your assets distributed when you're gone. But that assumes you have any assets left after the IRS and attorneys are done with your estate. And, if you think a will avoids Probate, read my FREE Report, "The 10 Most Common Estate Planning Mistakes" and THING AGAIN!

Probate IS a Big Deal!

Probate is a process, not a tax, but it can still be costly and delays the distribution of your assets for 18-36 months, on average! And unlike taxes, it IS avoidable with a bit of planning. True, when you are dead YOU don't have to worry about Probate, but someone does! If you love your spouse and children, and wish to spare them the time, expense and red tape of Probate, Call for help today —508-340-3134 or if in Western MA, CALL 413-588-8298.

Life Insurance. . .the BIGGEST Tax Problem!

Life insurance doesn't go through Probate and is not subject to income tax. For that reason, it is a popular tool in estate planning. And nothing makes the IRS smile more! While it's true that life insurance is not subject to income tax, it IS subject to estate taxes. In 2012, the estate tax rate will be 60%! If you want to leave money to your heirs instead of the IRS, please do yourself a favor.