Having worked hard to achieve financial prosperity, you understandably wish to ensure that your assets are passed on to the people and institutions that matter most to you. At RAMS, our estate and gift planning services provide the expert guidance necessary to navigate complex legal and financial issues, protect your assets, minimize tax liabilities, and fulfill your wealth transfer intentions.

RAMS works with you to:

• Minimize Estate Taxes:
  Tax rates on estates can be as high as forty-five percent. Our team works with you to reduce the taxes your estate will face, complete necessary tax documentation, and explore tax-saving opportunities, such as the annual gift tax exclusion.
  
  
• Direct Asset Disposition According to Your Wishes:
  Without proper planning, your assets could be distributed by courts under state laws. Our experts assist in drafting wills and setting up trust arrangements to ensure your assets are disbursed to your beneficiaries exactly as you intend, at specified times or milestones.
  
  
• Plan for Business Succession:
  As a business owner, securing your company’s future is crucial. With over seven decades of experience in working with individuals and businesses, we are adept at business succession planning, helping you and your heirs realize the value of your business.

Working with RAMS means partnering with a team dedicated to maximizing the benefits of your estate and gift planning, ensuring tax efficiency, and executing your wishes with personal attention.