Medical Care and Insurance
Age Wave: Transitioning into Later Life (PDF)
It's not easy to balance the challenge of caregiving for an elderly parent while facing a host of bewildering decisions that affect your own financial and medical security. Preparing for these transitions is an important first step.
The New Medicare Surtax (PDF)
In 2013, a new 3.8% Medicare surtax will be imposed on certain passive investment income of individuals, trusts and estates. For taxpayers to be able to strategically plan around the tax, they must first understand to which income it applies and how the tax is calculated.
Income and Estate Planning
Use this calculator to help you create your retirement plan, including your retirement savings balance and your withdrawals for each year until the end of your retirement.
Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
This calculator can give you an idea of your life expectancy based on your current age, smoking habits, gender and several other important lifestyle choices.
Planning with Retirement Assets (PDF)
If your big picture includes ensuring a retirement income stream and passing along assets to loved ones later, it's crucial that you understand the effects of income and estate tax laws. Integrated, long-term planning is important—and should be done well in advance.
Moving to Florida (PDF)
No state income tax, no state estate tax and the repeal of the Florida Intangibles Tax make Florida an attractive destination if you are looking to relocate.
Moving to Florida (Video)
Head of Wealth Strategies Linda Beerman outlines the tax advantages of having domicile in Florida, along with methods for effectively changing one's domicile from another state of residence.
Use this calculator to help develop or fine tune your education savings plan.
Funding Education for Children and Grandchildren (Video)
Head of Wealth Strategies Linda Beerman describes ways clients can provide education funding for their grandchildren, not only to benefit their grandchildren, but also to provide an indirect gift to their children by relieving the burden of large tuition payments.
Basic Gift and Estate Planning
Basic Estate and Gift Planning (Video)
Chief Fiduciary Officer Linda Beerman guides clients through various planning strategies that can help avoid taxation on transfers of their wealth to their families.
Annual Exclusion Gifts (PDF)
By following a consistent program of annual exclusion gifts to children and grandchildren, an estate owner can dramatically reduce the size of his or her taxable estate.
Basic Estate and Gift Planning (PDF)
The heart of every estate plan is providing for those you love. That means not only distributing the assets accumulated during your lifetime but also minimizing what goes to taxes.
Dynasty Trusts: Keep It in the Family (PDF)
A dynasty trust is any trust that lasts longer than one generation below the grantor, taking advantage of the federal generation skipping transfer (GST) tax exemption to remove family wealth from the transfer tax system for as long as the trust is in existence.
Gifting to Grandchildren: A Lasting Legacy (PDF)
Grandparents can assist their adult children—who are currently overwhelmed with the high costs of raising their own children—by providing benefits to grandchildren during difficult economic times.
Irrevocable Life Insurance Trust (PDF)
An irrevocable life insurance trust can help you reduce estate taxes and maximize the utility of life insurance by arranging for ownership of the policy outside of the estate of the insured(s).
Qualified Personal Residence Trust (PDF)
A qualified personal residence trust is an estate planning technique that can help you take advantage of the valuation discounts that result from splitting an interest in property.
Types of Trusts: An Overview (PDF)
This guide provides an overview of seven types of trusts, while also reviewing their advantages and disadvantages for different types of investors.
From the big-picture decisions to the fine details, the guidance of a trusted advisor can assist you with making your philanthropy meaningful and effective. Atlantic Trust's relationship managers and wealth strategists are available to help you think strategically about your long- and short-term philanthropic goals. To get you through this journey, we've developed a Strategic Philanthropy Resource Guide, with materials from some of our strategic partners.
Strategic Giving: Philanthropy with Purpose (PDF)
Philanthropy—it's a big melting pot with a wide diversity of resources, personalities, passions, causes and influences. Atlantic Trust can help you think strategically when setting your giving goals.
Donor Collaboration: Power in Numbers (PDF)
The Philanthropic Initiative
While donor collaboration is not a new concept, it has gained currency as funders seek to have an impact on ever more complex problems, where their individual giving may not be substantial enough to make the kind of difference they desire.
Global Giving: Making a World of Difference (PDF)
The Philanthropic Initiative
A growing number of donors are seeking ways to address issues and problems beyond their borders. Why? What motivates them? We attempt to answer these and other questions.
Making a Difference: Evaluating Your Philanthropy (PDF)
The Philanthropic Initiative
The most effective evaluation efforts are tailored to the size, scale and complexity of the initiative under review and conform to the donor's philanthropic goals, strategy and learning style.
Legacy and Family
Legacy Planning: It's Not About the Money (PDF)
Preserving and managing tangible wealth in a complex and uncertain world can be a challenge. However, the greatest challenge you and your family might face is defining, reflecting on and expressing what your wealth really means.
Planning for Your Charitable Legacy (PDF)
While your estate plan is typically comprised of various complex legal documents, it can also serve as a final message that reflects your personal values and leaves a lasting legacy by which your family will remember you.
Assets to Give
Charitable Lead Trusts (PDF)
The transfer tax benefits of a charitable lead trust that pays an income stream to charity for a set term, with the balance passing to heirs when the trust ends, can help you achieve your philanthropic goals while also passing assets to your children and grandchildren.
Charitable Remainder Trusts (PDF)
The benefits of a trust that pays an income stream to an individual for a set term, with the balance passing to the charity when the trust ends, can help you maintain your standard of living while also benefiting your favorite charity.
Unlocking a Concentrated Holding (PDF)
For wealth preservation, concentration is not necessarily a good strategy. Here's what you need to know about concentrated holdings—and whether you should sell, hedge, exchange, donate or transfer.
A Private Trust Company (PDF)
If you need a flexible entity to act as a trustee for one or more of your family trusts, a private trust company is one option you should consider.