Text Box: TABLE OF CONTENTS Chapter One - Is this Book for You? 3 Chapter Two - Just What is the Problem? 7 Chapter Three - Why do people want to avoid probate? 9 Chapter Four - Why do people want to avoid conservatorship? 11 Chapter Five – The Best Solution for the Middle Class 13 Chapter Six - The What and Why of Trusts 18 Chapter Seven - What is a Revocable or Living Trust? 20 Chapter Eight - What is an Irrevocable Trust? 21 Chapter Nine - The Benefits to you and your family provided by a Living Trust package. 24 Tenancy in Common. 25 Joint Tenancy with Rights of Survivorship. 25 Tenancy by the Entirety. 26 Community Property. 26 Community Property with Right of Survivorship 26 Income Tax and Basis 26 Trap for the Unwary 28 Other Probate Avoidance Methods 30 Totten Trust. 30 Joint-ownership of certain personal property. 30 Conservatorship Still a Problem 30 Chapter Ten – What Should a Living Trust Package Provide? 32 Chapter Eleven – Take Action 36 Addendum 1 38 State Laws Governing the Durable General Power of Attorney, Advance Healthcare Directives, Powers of Attorney for Healthcare, and Living Wills …………………..38 LEGACY TRUST PACKAGE 43 Instructions for Completing Healthcare Power of Attorney, Advance Healthcare Directive, and/or Living Will 44 Healthcare Power of Attorney, Advance Directive For Healthcare and/or Living Will 46 Instructions for Completing the Durable Power of Attorney 60 Durable General Power of Attorney 63 Pour Over Will 73 Bill of Sale 77 Request to Change Holder of Account 78 Request to Retire and Reissue Shares 79 Instructions for Transferring Real Estate into the Trust 80 Instructions Related To Life Insurance 80 Certificate (Abstract) of Trust 81 Trust Agreement for Husband & Wife with AB Trust Provision 85 Trust Agreement for Unmarried Persons 95

CREATE YOUR LEGACY & SAVE THE AMERICAN MIDDLE CLASS

How You Can Protect Your Family and Loved Ones

in the Event of Death or Disability (Without Paying Legal Fees)