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	<title>Keener Financial Planning, fee only financial advisor in Dallas Fort Worth &#187; GRAT</title>
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		<title>Estate Planning Opportunities in a Down Market</title>
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		<comments>http://keenerfinancial.com/estate-planning-opportunities-in-a-down-market#comments</comments>
		<pubDate>Wed, 01 Jul 2009 15:46:47 +0000</pubDate>
		<dc:creator>Jean Keener, CFP, CRPC, CFDS</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
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		<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[Charitable Lead Trust]]></category>
		<category><![CDATA[CLT]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[estate tax]]></category>
		<category><![CDATA[estate tax exemption]]></category>
		<category><![CDATA[family loans]]></category>
		<category><![CDATA[gifting]]></category>
		<category><![CDATA[grantor retained annuity trust]]></category>
		<category><![CDATA[GRAT]]></category>
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		<category><![CDATA[Intentionally Defective Grantor Trust]]></category>

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Most Americans are not subject to the federal estate tax at its current exemption levels.  For 2009, each person can pass $3.5 million to heirs estate-tax free at their death.

However, if your estate has the potential to be affected by the estate tax, you have some planning opportunities right now.   A down market can mean tough [...]]]></description>
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