marriages, divorces, new children or grandchildren, job changes, and new properties can all affect your estate. Beginning early gives you a solid foundation you can tweak as needed, instead of scrambling to build something from scratch during a crisis. TAX MINIMIZATION While not everyone faces estate taxes, for those who do, early planning can help minimize them. A financial and legal advisor can help structure gifts, trusts, and charitable donations in ways that preserve more of your wealth for your loved ones instead of the IRS. And even for smaller estates, planning ahead helps with income and capital gains tax implications that often get overlooked. FAMILY CONFLICT AVOIDANCE When a loved one passes without a clear plan, confusion and differing expectations can lead to arguments or legal battles between family members. By outlining your wishes clearly and legally, you minimize misunderstandings and help ensure a smoother, more unified transition.
WE WALK TO SAVE LIVES. YOU CAN TOO. Join Us for the 2025 Grand Rapids Heart Walk American Heart Association Saturday, Oct. 4 9:00 a.m. Event Opens, 11:00 a.m. Walk Begins Sturrus Sports & Fitness Center at Aquinas College UPCOMING EVENTS
PEACE OF MIND
Ultimately, the most significant advantage is peace of mind. Knowing your wishes will be honored, your loved ones will be cared for, and your legacy will be preserved brings a sense of comfort that’s difficult to put a price tag on
OCTOBER QUARTERLY EDUCATIONAL EVENT
Wednesday, Oct. 8 from 4:30–6:30 p.m. Kent District Library — Kentwood (Richard L. Root) Branch You’re Invited! Join us for an insightful and engaging evening designed to give you the knowledge and confidence you need to plan for your financial future. This free educational event is perfect for those nearing or already enjoying retirement. Here’s what’s on the agenda: • Kent County Market Outlook — Key real estate trends to watch • Cybersecurity Essentials — Protect yourself in a digital world • Live Market Update — Timely insights on the economy and how shifting trends may affect your retirement strategy Don’t miss this chance to gain valuable perspectives and practical takeaways from our team and guest experts!
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I had shorted a customer (which was as unacceptable as shorting the business). By reviewing that day’s sales, we identified the customer who had been shorted and returned their $5 on their next visit. The customer appreciated our honesty and even offered to let me keep the $5, but we insisted on returning it. This experience instilled in me the importance of trust and integrity — values that remain integral in our client relationships today. Within our team, we genuinely appreciate recognition for our transformative efforts, and we value feedback when we fall short. Perfection is our aim; imperfections in service costs both us and our clients! That means we are committed to continuous improvement. Observing some professionals in our industry, I wonder: Are they merely going through the same motions they were taught during their first year in the business and repeating them year after year? Or are they growing to meet evolving client needs? We must be willing as professionals to change and grow every year to keep pace with new tax laws, changes in our clients’ family dynamics, and other unexpected family circumstances. The plan you started with must be adaptable to new situations. Whenever I see true professionalism at work, I always make a point of expressing my appreciation. I hope you enjoy this perspective on our industry!
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–Gary Mattson
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