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5 Ways to Enhance Your Legacy in Your Estate Plan

Retirement Watch Weekly
Brought to you by Eagle Financial Publications

Legacy Planning: 5 Ways to Enhance Your Legacy in Your Estate Plan



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Bob CarlsonFellow Investor,

Not all gifts are created equal, especially charitable gifts.

That’s why legacy planning can be a powerful part of your estate plan.

You can leverage the benefits of your gifts, enhancing the financial security of yourself and your heirs while being philanthropic.

Estate planners often refer to these strategies as planned gifts or planned giving.

Often, gifts take effect only under your will or living trust. Other strategies can be set up during your lifetime to generate the trifecta of current income tax benefits for you, income for you or your loved ones and gifts to charity.

When you’d like to leave a legacy for one or more charities as part of your estate, review these strategies to determine the best moves for you.

Outright Bequests

A bequest is a gift made through your will or living trust that takes effect after you pass. You hold and control the assets during your lifetime.

There are several ways to make outright bequests, and the route you choose can make a big difference to the charity and your other beneficiaries.

You can make a specific bequest. A specific bequest can be either a stated dollar amount or a particular piece of property.

For example, your will could state that you leave $50,000 to a particular charity or to each of several named charities.

You also could leave a certain number of shares of a stock or mutual fund, or a parcel of real estate.

The specific bequest could be shared equally by several charities. It is simple and straightforward, and probably the most common way to make posthumous gift.

Understanding the Risks

You need to think carefully about specific bequests, because there are a few risks.

Suppose that at today’s values, the charity is slated to receive about 10% of your estate. There could be a major market decline or other event that reduces the value of your estate.

Because your will provides a specific dollar bequest, the charity then receives a higher percentage, perhaps 20% of the estate.

Your heirs will receive less than you planned, and it could be significantly less.

This IRS “Booby Trap” Could Cut Your Retirement by 1/3

The IRS has “booby trapped” your tax-deferred savings. I’m talking about your IRAs… your 401(k)s and pensions, and your CDs and other savings. Truth is, the agency's been doing it for the last four decades -- and now they're ready to pounce.

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Or the specific property you leave the charity could decline while the rest of your estate appreciates, leaving the charity with far less than you intended.

The point is -- when you make a specific bequest of particular property, the value of that property and its share of the estate can fluctuate.

The results could be very different from what you intended.

An Alternative: The Residuary Bequest

The residuary is the part of your estate that’s left after the specific bequests have been filled.

For example, you could leave specific bequests to your spouse and children and perhaps to others. The wealth that’s left is the residuary.

It could be there is little or no residuary after the specific bequests and the cost of administering the estate are deducted.

The residuary bequest can be of the full residuary or a percentage of it.

Suppose you have a $5 million estate. You decide you want a minimum of $4 million to pass to your family. Only after that bequest is satisfied will charity receive anything.

One option is to decide your loved ones should receive only $4 million, and charity receives all of the residuary estate.

Another option is to leave only a portion of the residuary estate to charity. Your will might say that after the $4 million of specific bequests are satisfied, charity will receive 50% of the residuary estate, and the rest of the residuary estate will go to your family.

Some people put another safeguard in their plans. They provide charity will receive gifts only if the estate is worth at least a minimum amount.

Another safeguard is to provide that charitable gifts are capped at a percentage of the estate regardless of the other terms of the will.

These safeguards ensure there will be a minimum inheritance for your loved ones and prevent you from having to update the plan each time asset values change.

It’s important to consider all available strategies before deciding to make specific bequests. We’ll cover more of these strategies in next week’s edition.

To a better retirement,

Bob Carlson
Bob Carlson
Editor, Retirement Watch Weekly

P.S. You’re not likely to hear about this from your estate planner, but Nobel Prize-winning economist Robert Merton says this strategy “…will become one of the key means of funding retirement in the future.” Click here to learn more about the strategy that’s being called… a "Retiree's Saving Grace.”

Bob's Blog

Timing Your Social Security Checks
by Bob Carlson
Editor, Retirement Watch

This article isn’t talking about the age you choose to begin receiving Social Security benefits. Instead, it says that the time of the month the payments arrive often determines how well off a retiree is. Apparently, many recipients spend a lot of their checks when they come in. If the checks arrive about the time their major bills arrive, they use the benefits to pay the bills. But if the checks arrive a couple of weeks or more before the big bills arrive, they’re likely to spend a chunk of the benefits and be unable to pay the bills for the month.

“If a household has a couple of thousand dollars just in emergency funds, this would more than cover this variation in timing across different months,” Baugh said.

Many households have nowhere to go because they have already maxed out their credit cards and have limited resources for cash.

That makes borrowing through payday loans more prevalent, even for some high-income households, according to Baugh. Payday loans are short term, high interest rate loans.


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Want More Retirement Advice?

Check out my website,, where you’ll find hundreds of free articles covering every aspect of retirement planning.

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Bob Carlson

About Bob Carlson:

Robert C. Carlson is the author of the books The New Rules of Retirement and Retirement Tax Guide, editor and investment director of the popular retirement newsletter, Retirement Watch, and editor of the free weekly e-letter, Retirement Watch Weekly.  Bob is a frequent speaker at investment conferences around the country, and you can also hear Bob as a featured guest on nationally-syndicated radio shows, such as The Retirement Hour, Dateline Washington, Family News in Focus, The Michael Reagan Show, Money Matters and The Stock Doctor.
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