7467 State Route 22
New Alexandria, PA 15670
Office: (724) 668-7900
Fax: (724) 668-8083

Estate Planning

Planning today can make a difference tomorrow.

Our process for designing a comprehensive estate plan—one that is crafted for your individual financial needs while you are alive and helps to protect your estate’s assets for your beneficiaries upon your death—involves creating a sophisticated financial condition model. Our detailed process accounts for your own individual needs and objectives, the long-term impact of taxation, inflation and living expenses and any financial strategies currently in place. We then build your estate plan from there.

It is no secret estate taxes can significantly impact the wealth you have accumulated in your lifetime. By taking full advantage of tax credits and deductions provided by the Internal Revenue Code and our expertise in estate preservation strategies, we create a customized estate plan that includes:

Will and Trust Strategies

We will work with your attorney to recommend the most effective solutions for maximizing asset protection and minimizing costly probate delays.

Property Ownership Alternatives

Proper titling of your assets ensures that your primary and contingent beneficiaries are appropriately coordinated with your existing will and trust documents.

Estate Tax Reduction

We will determine your current estate tax liability and take steps to minimize estate settlement costs with an eye on future growth and potential tax code changes.

Life Insurance Analysis

Arrangement of your current life insurance may be causing unnecessary taxation within your estate. We will build your Menu Of Solutions™ to help you make informed decisions.

Qualified Plan Distribution

We will suggest customized strategies to minimize the drain that income and estate taxes can have on your qualified plan during your life and at death.

Family Gifting Strategies

We can advise you on restructuring your will, if necessary, to utilize unified credit during your life. We may also present strategies for gifting money to your family while retaining certain control of your assets.

Charitable Planning

Coordinating your lifetime giving with charitable planning at death can help you leverage the substantial tax advantages of philanthropy.

Donald McDade, David Estatico, Scott Lauer, Daniel Stephans and Ronald Romeo are registered representatives of Lincoln Financial Advisors Corp.  Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker/dealer (member SIPC) and registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. It is not our position to offer legal or tax advice. Mosaic Wealth Consulting is not an affiliate of Lincoln Financial Advisors Corp CRN-3170387-072120.

Unless otherwise identified, registered associates on this website are registered representatives of Lincoln Financial Advisors Corp. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer (member SIPC). Investment advisory services offered through Lincoln Financial Advisors Corp. or Sagemark Consulting, a division of Lincoln Financial Advisors Corp. a registered investment advisory. Insurance offered through Lincoln affiliates and other fine companies and state variations thereof. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Firm disclosure information available at www.LFG.com.

We are licensed to sell Insurance Products in the following states: Alabama, Arizona, Florida, Georgia, Kentucky, Maryland, Missouri, North Carolina, New York, Ohio, Pennsylvania, South Carolina, Texas, Virginia, West Virginia, Wyoming.

We are registered to sell Securities in the following states: Alabama, Arizona, California, Colorado, District of Columbia, Florida, Georgia, Hawaii, Illinois, Kentucky, Maryland, Michigan, North Carolina, New Jersey, New York, Ohio, Pennsylvania, South Carolina, Texas, Utah, Virginia, Washington, West Virginia, Wyoming.

*Mosaic Employee Benefits is a separate entity and is not affiliated with Lincoln Financial Advisors Corp.

Not all registered representatives with our firm are able to offer advisory services.
See Lincoln Financial Advisors (LFA’s) Form CRS Customer Relationship Summary, available here, for succinct information about the relationships and services LFA offers to retail investors, related fees and costs, specified conflicts of interest, standards of conduct, and disciplinary history, among other things. LFA’s Forms ADV, Part 2A, which describe LFA’s investment advisory services, Regulation Best Interest Disclosure Document, which describes LFA’s broker-dealer services, and other client disclosure documents can be found here.
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