and Thanks for Coming!
extend our greatest and sincere sympathy for any loss you may
have experienced recently. Notwithstanding the duress a
death in the family can cause for all survivors, we welcome
you to our home page and ask you to read a little, think a little,
then simply mark this site as a favorite so you can find your way
back if you start resourcing on our free information site and get
Please, be sure to check in first at the
New Visitor Welcome Center. Some research and information that
may apply to your actual estate situation, if your loved one passed
away in Maricopa county, Arizona. If you were personally
invited by letter or postcard to visit us, thanks for coming online
to resource and learn more.
Make no mistake. Estate settlement
will quickly become a daunting task if you try to do it all by yourself.
And, if you hire a law firm to do everything for you, obviously the
cost factors can grind you down financially as well before it is all over.
Finding a happy "medium" may be best.
The information you will find here is geared towards surviving
spouses, children or other family members or advisors who are also
named Executors or Executrix in the Last Will & Testament or
Surviving or Successor Trustee in the living trust. If your
loved one you have lost died intestate (without a valid and
properly signed Will or Living Trust), some of the Steps will fit
your situation, but not all of them since these Steps only cover the
procedures for informal probate or the administration Steps with a
living trust. However, let us be the first source to guide you
to a qualified law firm that can handle your formal probate needs.
Many feel they must go through a formal probate, yet if no heir is
contesting -- they find the much less expensive alternative of
informal probate proceedings is much better form them.
A few will come to this rich resource estate settlement site to try
and figure out what they must do if most of the estate assets
are protected from the probate process because of a valid living
trust being in effect prior to the death. Well, sadly, it
happens more often than you might think - where a single money asset
valued higher than the exemption limits ($50,000 for money accounts)
is found out of the trust for funding purposes. I will say it
right up front, there is no free lunch -- you are going to have to
go through a few more hoops then just trust settlement to finish
your job as estate manager.
When you have
the right mindset to tackle the task you have been given as the
estate manager, start the
process by reading the left side links in order from top to bottom
so you have a full perspective of the work now required to be done
for the estate. The first is a warning based on a real estate
settlement case we worked on a few years ago. There is
with most law firms in this state, but this example proves -- a
few are not up to speed and can drain your estate funds if you
choose a bad firm. My personal belief is that a rare number of lawyers
(just a few)... draft a trust and then fail to assist property
during the funding process.... on purpose! That way they
get double fees.
Poor Ms. Francis, one of the most famous women in the 1950's -
died and her estate got broadslided with legal fees by a law firm
that definetly knew better...
Don't worry, this site is going to give you a lot of help and
suggestions to assist you in cutting down on your costs if you
desire to save money. (I suppose a few reading this
information totally love paying $450/hr to their local law firm and
running up legal bills in estate management) For everyone
else, we publish the best information available to help you get by
on a lower cost factor to settle any Arizona resident estate at
That in turn, should help cut your stress levels
as well! If you feel ready now, just grab a cup of coffee or a nice cold
glass of water (with lemon of course), or maybe even some "Sun" tea
you may have brewing on a ledge so you can refresh yourself along the
way. As you read and learn and then start the estate settlement
process for your Arizona loved one, we hope you find the TRUE value in the
Steps process. (I
am giving the Steps away for free folks!!!)
But with the free information, comes the constant warning to be sure
you hire someone to watch your back during the way. Our firm does
that as estate tax consultants and accountants/tax preparers and as
an Arizona certified legal document preparer. There's more --
we also network with other estate advisors and qualified estate
listing Realtors so you can find help within one contact point
co-ordinating the entire process until your journey in this new
territory (for most, this is work never done before) is completed.
will quickly become a daunting task if you try to do it all by yourself.
And, if you hire a law firm to do everything for you, obviously the
cost factors can grind you down financially as well before it is all over. Finding a happy "medium" may be best."
We have designed
this alternative to help you do what you want to do, and then
offer our assistance
in the areas you don't want to do or need professional help in.
Contrast typical $450 per hour Arizona law firm rates charged against
estates for settlement work with our current discounted rate for
estate settlement services of just $148.50 per hour. (Our
discounted internet rate gives an extra 10% off our normal $165
With the value of estates sometimes
caught with lower property value, or sudden stock market price drops
- this lower cost alternative has been praised over
the years by many. In a sense,
we provide services similar to Lowe's or Home Depot to help you do
this yourself as much as possible. This enables you to pick and
choose what areas you would like to try out on your own and what areas
you discover you will need professional help in. But, we also
are behind you watching your back in your Steps process, to
the work is performed in a timely manner and performed properly.
Just like hanging new wallpaper in your spare bedroom -- retaining
us as consultants will be like having a spouse watch your first
strip of wallpaper to be sure it is straight and properly installed.
Having an overseer watch your estate manager
work is invaluable according to our past clients.
legal advice is needed, we promise -- you will be referred to a
qualified estate planning/settlement lawyer in your area. We will be
the first to recognize and refer in this process in any legal matter
that needs professional legal representation. (Sometimes
estates are involved in lawsuits, wrongful deaths, elder abuse,
etc.) If you haven't yet stopped in to our "Visitor
Center", please take the time to read a few of our
TESTIMONIALS from clients so you may have full assurance that
this alternative to hiring a law firm (and incurring a normally
bill) is a legitimate option to save both YOUR TIME and estate
money. If you are also an heir.... well, this alternative is
going to put more money in your pocket too!
Long Journey Begins With a Single Step
Your journey as estate manager should begin with plenty of resources and information at your disposal to
make it easier, the path shorter, and to achieve the highest
efficiency possible in your work.
START the estate settlement process
by clicking on the first side button to get
more details on our "concierge" level of professional services
available. A single step forward, especially if this is your
first time -- warrants hiring qualified help to assist you. You should review all the Steps
in the first tab and then decide if you want to use the Steps
process as a guide so you can understand the process, while hiring us to do
all or most of the actual work. Or, for that rare few that
fully understand the steps, please still put us on retainer as your
backup and overseer, knowing we can move to first position to
complete any work that may become hard for you, or if you life
changes making it difficult to finish the estate settlement process.
hiring us to be your overseer we can be engaged at any time along the way.
Either way, we are here to assist when you
call on us and can be engaged by the simple retainer agreement you
will discover every 3 Steps in Bold
Red print. Feel free to call and ask questions about
our services. You don't need to be a client to do that.
Call us at:
And, please review the "Other Links"
side buttons to find more important information or services
available to you as the estate manager. (The term "Manager" is
used to cover all three possible scenarios of your actual estate
representative title. It covers if you are Executor or Executrix of
the Last Will, Surviving or Successor Trustee of a Living Trust, or
are appointed the Administrator or Administratrix of an intestate
estate by the probate court.)
During this difficult time, let this
site information and resources comfort you and become your guide to
lead you through the entire process quickly and cost effectively. And, if you know of a friend who may need our services as well, by
all means tell them about the FREE information website you have just
discovered! Thank You!
AZCLDP, Accountant, Realtor
-- Financial Strategies, Inc.
What makes Financial Strategies, Inc.
and M.D. Anderson qualified to offer extensive estate settlement
Just read what his Clients have to say:
Under his own firm, M.D. is a long
term practicing accountant and fully understands the tax issues of
selling an estate home and other property both residential and
commercial. He also is proficient in all estate valuation
requirements, estate settlement procedures and IRS/state of Arizona
required tax returns that may be due. M.D. is also nationally
known and well respected as a
large inherited IRA specialist and consultant. His quotes in
the Wall Street Journal, Fox Business News, BankRate.com and other
publications are respected and relied on by some of the richest
families in the United States. He is also a long term licensed insurance advisor
practiced as an estate planner, consultant and document preparer for
over 37 years. As an Arizona Certified Legal Document Preparer
(AZCLDP) he is licensed to prepare estate settlement forms for the
Executor/Trix of a Will in Probate, or for the Trustee/Successor
Trustee of a Living Trust. M.D. has assisted in over 100 estate
settlements for both state, national & international clients with
estates as high as 5 million in values! Most estates however, range
between $300,000-$1,500,000 in final valuations.
Professional Realtor he
implements modern tools that help sell your estate property quickly
and at top dollar. Listing clients get MLS listing, custom home
websites, photo sessions and professional staging. Also, open houses and
neighborhood events are scheduled to increase home sales exposure.
Every home gets it's own domain name and
custom website as well!
On larger estate home or luxury homes, additional listings are
always placed on luxury home websites that help promote and find a
buyer for even the most exclusive and expensive homes!
All real estate services are also available by
other Arizona based Realtors who have estate experience in listing and
selling estate homes and property. If your Realtor isn't well
versed in these matters, he or she can partner with M.D., creating a
combined package for survivors to have the very best program to sell
estate property. Call M.D. for more details.
In summary, Mr. Anderson has
spent his entire adult life working in the estate planning arena. With decades of estate planning and settlement
experience behind him, the corporate celebration
on July 4th, 2010
was a milestone for also being in business 20 years in Arizona. He is well qualified to do
all of the Steps for you, or fill in wherever you need him in
settlement work. At the very least, consider him your "Coach"
ready to help you when you want him to. The first step?
Call MD at 1-800-782-2806.
Realty One Group provides
Real Estate Sales Services only and is not affiliated with Financial
Strategies, Inc. To review the most premier and elite estate
home listing information available for your Arizona estate home and
statement will appear first so that you acknowledge that real estate
services are distinctly separate from all other services offered on
Avoiding Inherited IRA Hell
Our firm gets an email or call almost
every day on this subject. Some days, we get 4-5 emails or calls.
Hundreds visit our website each week around the country. Quite a few
hire us to help them in this
area. And many have saved hundreds of thousands of dollars of
needless instant taxation by doing so.
The reason? They are all
trying to avoid Inherited IRA hell. What is it? It is
where your deceased heir's money goes when it is improperly left to
a living trust that does not qualify under the specific 5 IRS rules.
Or when they left the beneficial funds to their estate instead of
the IRS required "Designated Beneficiary/ies" they should have left
And the cost of those kind of
mistakes is as much as 40-80% if the estate is also going to owe
inheritance tax on the funds! Yes, because steps weren't taken
before death, the heirs watch most of the money on statements of
account just burn up in front of them and only inherit a fraction of
what should have been theirs by keeping the tax deferral going
And, for the heirs that address this
issue after a death has occurred for a large IRA estate owner,
failing to invest a few hundred dollars in consulting time with us
as Inherited IRA experts in many cases is a big mistake. We can help
insulate heirs and estate managers from making really stupid
mistakes about inherited IRAs, known by professional advisors as the
most complicated under the tax code. Sadly, mistakes that will still
cause the funds to become immediately taxable or over a short 5 year
period are now common.
The beauty of these accounts is to
let them become a money tree for your children and grandchildren to
keep paying required minimum distributions for decades while
preserving the rest of the growth in the account so it grows. And
grow they do when you know how to avoid inherited IRA hell properly.
Our cases would make your ears peel and your eyes pop! Bad advisors
(including those who claim to be knowledgeable), bad trustee
departments at banks, etc. all cause money to fall into Inherited
IRA hell for their clients as well. Don't let them do that to you
or your heirs!
For immediate consultation,
call us now on this subject at:
Phone Contact Information:
For Immediate Service or For Retained Clients please
Valley -- Business Line:
Out of the Valley -- Toll-Free Line:
(Please use only if you are outside of the Valley)
Estate Accounting Services
Strategies, Inc. serves as an estate accounting and tax preparation
firm for Arizona clients as well as for clients throughout the
United States and U.S. Citizens living in foreign countries.
Consider us first in your accounting and tax needs during this
difficult time of loss.
Estate managers don't always understand that IRS Form 1040 ends at
the death and all reporting post-mortem is required on IRS Form
1041. (And state versions if applicable) Let us help you understand
your tax reporting requirements "early" so full compliance can be
achieved. Our firm is a registered tax preparation firm and an IRS
authorized Orginator for Electronic Filing.
Honoring your loved one's
thoughts, plans and
while they were alive as well
is our strategic goal as your
THE LIGHT IN OUR HEART REMAINS
FOR THOSE WE HAVE LOVED AND LOST
those we love go away,
really leave us you know.
sense their spirit during a sunset,
their touch from a random flake of snow.
are, they go with us.
precious memories always in our mind.
love remains in our heart,
At first --
we may feel left behind.
difficult at first to see the light,
of sorrow create a haze.
long, the darkness goes away,
and there will
be much better days!
Do You Have a Funeral Trust?
not, please review this important estate planning instrument by
clicking on the icon below:
A Note About Giving It All Away For Free
Many may read a few pages of this site and pinch themselves.
They may not believe someone is giving it all away for free. Especially when you
discover the quality and quantity of the
content on this website. You either can pay someone to do
everything for you, not understanding the procedures -- or you
can take a more proactive approach and "educate" yourself so
that you better understand the Steps process. Unlike a
book or workbook you can buy at your local bookstore which
becomes obsolete as soon as the next tax law change takes place,
this content is designed to keep YOU current and is restricted
to cover only Arizona procedures and statutes.
Attorneys, CPA's, AZCLDP's, Realtors®,
Financial Planners, Estate Planners and other
professional financial advisors may not agree with every single
statement or procedure, or they may feel the Steps to settle an
Arizona estate should be in a different order.
After being in business here in Arizona
for over 20
years (our company's 20th anniversary was celebrated in July,
2010), and many
years in our home state of Iowa,
advisors are even qualified to argue about this content or
the Steps we are GIVING AWAY FOR FREE to the public.
They are "our" company steps used successfully many times over
for many years. For
the advisors that ARE qualified,
we would like to work
with you and welcome your inquiry! Or suggestions if you have
reason, we openly invite and encourage ALL
financial advisors here in Arizona that ARE long term and
qualified professional estate advisors or Realtors®,
to support this pro-bono work being given away to Arizona
Even if you are just starting out as an attorney, CPA, Insurance
or Investment advisor, we have interest in helping your practice
take off quickly in joint work that may be possible between our
firms. If you have a correction or idea we missed, please help
us improve this site by letting us know!
We feel that by giving the information and "Steps" away for free
for all to see will most likely encourage estate
managers to embrace and hire our professional services. The
Steps reveal in the details that
this is not a job for the timid or
unprepared. Those of us that have settled estates for decades
can attest to the fact that it can be some of the most difficult work on the planet
but also very rewarding knowing we help when people need
It could appear that we are somewhat crazy to publish so much free information at
no cost or obligation while not knowing the outcome or result.
Or it is a sign that we have properly read the future of
what Arizona residents
really want. With your support and word of mouth
advertisements to point others this direction, we are now becoming busier than a one armed paperboy
working with Arizona families during their greatest time of
need. Many clients hire us online and work with us in the
comfort of their own home in this modern electronic age.
Arizona residents are looking for
alternative lower cost estate settlement services! We know people are
searching for discounts and "deals" in everything... including reductions in the total cost to administer
the Arizona estates they are suddenly put in charge of when a
love one passes away. Your search is over. You have now
found the best estate settlement information site for Arizona
residents on the internet!
Yes, we Skype during office
E-Mail us for our Skype
Want to Reduce the Steps
in Your Own, Eventual Estate Settlement?
Just plan your estate well.
Experience our professional AZCLDP (Arizona Certified Legal
Document Preparation) estate planning portfolios at:
M.D. Anderson Estate Portfolio Plans
How Safe is Your Life
Find Out at:
Mr. Anderson carries the "Samsung
Smartphone for instant contact with his clients or for
inquiries from potential clients.
E-mail and Fax Contact Information:
E-mail M.D. at M.D.
Comments or Questions
E-mail PDF Attachments to:
M.D. Private Documents
FAX ALL Documents to our Dedicated Fax Line at:
Timely Estate Planning & Money