1. FOR IMMEDIATE RELEASE
Marriage and Estate Planning
StateTrust specializes in providing a complete range of financial products, services and strategies to help
its clients to grow and preserve their net worth, while reaching their investment objectives and financial
goals.
Miami, Florida, USA – February 10, 2014 – Married couples need to establish the division of the estate
between spouses. Laws governing marriage property may vary from state to state – common-law differ
from community property. In community property, all property acquired during the marriage is
considered owned equally by husband and wife. In common-law, if the title to the house is in the name
of one spouse, it is considered 100% theirs, making it easy for them to give that house to whomever
they choose.
If the spouse is the only beneficiary, it doesn’t pose a problem. However, if there are multiple
beneficiaries, the ownership of the property must be specified. An irrevocable life insurance trust lets
proceeds pass through the trust to the named beneficiary free of taxes, once the insured passes away.
Also the policy value is not added to the estate of the insured.
The Estate Tax Marital Deduction
A person can transfer unlimited amounts of property to a surviving spouse, tax-free. This can be done
while alive or upon the death of one spouse and no federal gift/estate taxes will be imposed. Keep in
mind that unless the property is sold or subject to gift tax, it will eventually be taxed in the estate of the
surviving spouse.
Ways to Transfer Property:
• Outright gift to a spouse.
• Jointly held property.
• Through life insurance agreements.
• Through various types of trusts.
• Through a will.
ABOUT STATETRUST
StateTrust is a privately owned financial institution specializing in wealth and investment management.
It operates in the United States through StateTrust Capital LLC, an investment advisor firm and
StateTrust Investments Inc., a registered broker-dealer.
If you are interested in more information about StateTrust Wealth Management services or for further
information about this release, please contact:

2. StateTrust Group
800 Brickell Avenue, Suite 100
Miami, FL 33131
(305) 921-8100
www.statetrust.com
DISCLAIMER: StateTrust Life & Annuities is an independent entity and is not ruled or regulated by any US government or financial agency.
Investors should carefully review the objectives, risks, charges and expenses of any investment company before investing. Prospectus and, if
available, the summary prospectus, contains important information about the investment company. You can contact us to request our
prospectus, which we encourage you to read carefully. The value of your investment may fluctuate, and when redeemed, shares may be worth
more or less than their original cost. Investments in a fund (Investment Company) are not insured or guaranteed by the Federal Deposit
Insurance Corporation or any other government agency. Some of these programs may or may not be applicable to international investors.
Please contact us to discuss eligibility.
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