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Catholic United is ready to help people at
different stages achieve their financial goals.


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Life Insurance

Term Life
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Long Term Care Insurance
(sold through our LLC partnership)

Why do I need life insurance?

Life insurance is about love. A life insurance policy guarantees
that the most important people to you will be provided for if you
are no longer there.


Life insurance:

  • protects your way of life
  • can replace lost income when a loved one passes
  • can be the foundation of a family financial plan
  • More...

When do life insurance needs change?

  • Family change such as birth, death or divorce
  • A change of employment or career
  • After a major purchase, like buying a home or business
  • A child moving out or going off to college

What else can life insurance do for me?

  • help pay for your final expenses
  • protect your assets
  • make a charitable gift
  • build wealth and save on taxes

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We can help you create a financial plan that reflects
your Catholic values.


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to see how we can help you organize your assets
and get a better sense of your overall financial picture.


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Financial ideas to complement
your existing plan

  • Is your budget tight, but you still need to care
    for loved ones?
  • Want the best of both worlds -- insurance protection
    and income growth?
  • Worried about missing out on higher rates by
    locking into CDs or money market funds?
  • Want to make a loving financial gift, but retain
    some control?

Read our answers to these questions

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Kelliher, MN - Sept. 5 - St. Patrick's Parish

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Fosston , MN - Sept. 7 - St. Mary's Parish



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Our next event is Oct. 2, 2016 in Yankton, SD

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Catholic United has service and fundraising programs that appeal to volunteers seeking different levels of commitment, from one hour of casual service on a weekend, to leading a local volunteer group. Learn more about transforming profits into purpose:

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View More Posts in the John Tetzloff Blog

Who needs a trust and who doesn't

An attorney weighs in on the basics of revocable trusts

Posted by Sharma Foley Affeldt

Most clients who consult with an estate planning attorney will be provided information regarding revocable trusts, a common estate planning tool. Revocable trusts (sometimes called “living trusts” or “inter vivos trusts”) are often used instead of a will-based estate plan to attempt to avoid a public and time-consuming probate proceeding at death and to plan for a client’s potential incapacity during life.

Although generally the same type of planning can be done using a will and a revocable trust (estate tax planning, establishing trusts for beneficiaries, etc.), a revocable trust is generally preferred when a client wishes to avoid the time and expense of a probate and to protect against the need for public filings in a probate or conservatorship proceeding.

Some key questions all clients should consider when determining whether to use a revocable trust-based plan rather than a will-based estate plan are as follows:

  • How important is it for me to avoid the time and cost associated with probate?
  • Would I like to plan now to name agents to seamlessly take over financial management in the event I become incapacitated?
  • Do I own real estate in more than one state, potentially facing multiple probate proceedings?
  • Do I have a complex estate plan involving trust planning upon my death, or can my plan be simplified using beneficiary designations and a transfer on death deed for my real property?

The decision to use a revocable trust plan often has more to do with the client’s goals and composition of asset holdings rather than the size of the client’s estate. To determine whether you are a good candidate for a revocable trust-based estate plan, you should consult with an experienced estate planning attorney who takes the time to thoroughly review your goals and the assets of your estate.

Sharma Foley Affeldt is an attorney with Bridgeview Legal Advisors, PLLC

Tags: 2017, Tetzloff,


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