Folks, just a quick reminder. There are just 2 months left in 2012. If you are  married and have an estate that you would like to pass to your children without having Uncle Sam take 1/2 of it, you have about 60 days left to get it down.
If you are single the estate tax exemption is $5.12 million and if you are married, it is $10.24 million. The exemption falls to $1 million on January 1, 2012.

At Chartwell we can help you with the legal documents, tax returns, funding options and financial products to provide a legacy for your children and other heirs. Who do you want to get what you have worked for your whole life, your kids or the Federal Government? Contact me at rsmith@chartwellcapital.net