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Show Page 4 The Gunnison Valley Gazette Into all the World Thursday, October 1, 2009 The Outdoor Report Elder Jared Davis feels very lucky to go back to island of Kosrae to finish his mission. He’s seen much growth and success there and will be sorry to leave. The church has grown a lot in the Micronesia Islands. He will be finished with his mission in November. Jared is the son of Russell and Leda Stoker. The all Scouting Newsis is Sponsored Into the World sponsored by ACE Paints Sporting Goods Whirpool Appliances by 528-7513 435 South Main • Gunnison Remember When... Courtesy Photo Brother and sister Casey and Kaitlyn Hyatt of Centerfield, children of Jeromy and Millisa Hyatt, each shot their first buck this past week during the muzzleloader hunt. Casey saw this nice buck on the opening morning but couldn’t get a clear shot. With persistence and patience he was able to bag the big buck a few days later. Kaitlyn shot her 27” deer on the fourth day of the hunt. 528-5001 The Outdoor Report is Sponsored by: Hwy 89 Northeast of Gunnison Open Monday - Saturday The First Word and Last Name in Log Homes! Think Satterwhite for Log Homes, Rough Lumber, Timbers, Animal Bedding and Firewood GV Ettes • 1959 Mary Ann Yardley, Patsy Bown, Joan Anderson, Vivian Buchanan and Mrs. Tess Tyler Sponsored by HERMANSEN’S MILL 204 South 1st East • Gunnison 528-3136 Feeds • Grain Storage • Fertilizer Seeds • Farm Supplies • Chemicals Friends and Family Far From Home? Keep them in touch with hometown happenings! Gift Subscriptions $30 per year anywhere in the Continental U.S. Call 528-5178 to subscribe Submitted by DARIN FRANDSEN Like everyone else, you want to leave a legacy. To make it happen, though, you need to do some estate planning. For most of us, that sounds like a scary task, but it doesn’t have to be — as long as you break it down into a few key moves. Here, in a nutshell, are some of the broad-based moves you’ll want to consider: • Communicate your wishes. When drawing up your estate plan, you can’t leave anything to chance — so you need to communicate your wishes in writing. This means you need to draw up the appropriate legal documents, such as a will and a living trust. If you die intestate (without a will), your belongings will be distributed to your “heirs” as defined by state laws — and these distributions may not be at all what you had in mind. If you want to avoid probate and possibly draw up more complex instructions —, for instance, leaving different amounts of money to different heirs at different points in their lives — you may also need to create a trust. • Protect your family. When you hear the words “estate planning,” your first thoughts may be of what you can leave behind to grown children, grandchildren and even great-grandchildren. But if you develop your estate plan while your children are young — and you certainly should — you should name a guardian for them in case both you and your spouse were to die prematurely. Of course, you’ll also need to consider having the right type and amount of life insurance for survivor income and loan repayments. • Position your investments to benefit your heirs. You can arrange for some of your investments to provide significant benefits to your heirs. For example, you can stretch your IRA to extend the key benefit of IRAs — tax-deferred earnings — over a period of several years. You should also make sure you’ve updated beneficiary designations on various accounts, such as annuities and 401(k) plans, to make sure the assets go to the right people. These designations are very important, as they can supersede even the instructions in your will. • Protect against incapacity. None of us can predict the shape of our physical and mental well-being in the years to come. But to protect your family, you’ll certainly want to be prepared for everything. That’s why you’ll want to make the appropriate arrangements, such as establishing a power of attorney and health care directive, while you’re still healthy. These types of documents 2 column x 5.5 incheswill em- power family members, or other people close to you, to take the necessary steps to carry out your wishes even if you become incapacitated. As with other aspects of your estate plan, however, you’ll want to review these arrangements periodically to make sure they still reflect your current thinking. To make any of these moves — in fact, to make any moves at all related to estate planning — you’ll need to work with a team of professionals, including your tax, legal and financial advisors. Comprehensive estate planning can be complex and time-consuming — but it’s worth the effort. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Edward Jones does not provide tax or legal advice. 1 column LIFE DOESN’T STAND STILL LIFE DO YOUR INVESTMENTS. You can your in still ma Time can affect you as much as your investments. While you can’t stop change, you can help make sure your investments match your current circumstances and goals. Fortuna Jones P help in investm to your time ba AND NEITHER SHOULD Fortunately, doing that may be as easy as meeting with your financial advisor. A free Portfolio Review from Edward Jones can help identify where your investments stand in relation to your goals. And help put time back on your side. To schedule a complimentary Portfolio Review, call your local financial advisor today. AND N YOUR To sche mentar call tod Darin K Frandsen Financial Advisor . 446 South Mall Drive B-7 St George, UT 84790 435-627-2159 2 column x 2 inches www.edwardjones.com Member SIPC www.edwa Typefaces are as f Headline: ITC Fran |
