Without proper planning, your estate may be settled in ways you did not intend, and your heirs may receive a smaller inheritance.  Consider these facts.

.  Federal estate taxes, probate, and administrative fees can sonsume over half of your estate.
.  If you don't have a will, probate can tie up your estate for serveral months to a year or more.
.  Heirs may be forced to use their inheritance to pay estate taxes.
.  The court may decide guardianship of your minor children if you haven't prepared.

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