Estate Management 101
A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate.
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The chances of an IRS audit aren't that high. And being audited does not necessarily imply that the IRS suspects wrongdoing.
You face a risk for which the market does not compensate you, that can not be easily reduced through diversification.
Estimate how much of your Social Security benefit may be considered taxable.