Erwin HS Wrestling team shows promise Ten members of the Erwin High


School wrestling team participat- ed in a team tournament Friday (Dec. 17) and Saturday (Dec. 18)


at Owen High School. Tough thin in numbers, and forfeiting four weights, they had some good individual showings. Octavio An-


Your home and auto policies come with something extra...


dujar (145) won three matches, and Chase Buckner (285) won five matches over the two days.


Dennis Veselovskliy (171) had six wins. Freshman Jared Hudgins (130) won his first high school


match by pin. Tis special to the Leader.``


Financial Focus Jared Hudgins


When people hear the words “es-


p: 645-6300 f: 645-0065


9 Georgia Avenue “Just off Main Street” Weaverville, North Carolina www.brankinsurance.com


We insure mobile homes!


tate planning,” they often assume it’s an activity only for retirees or near- retirees. But if you have a family, it’s never too soon to create your estate plan. Of course, estate planning can seem


like a daunting task. But you’ll find it easier to handle if you break it down into three key areas: distributing your assets, protecting your family and re- ducing estate taxes. Let’s look at these topics: • Distributing your assets — Ob- viously, it’s essential that you let your


Where We Worship Church Directory


First Presbyterian Church of Weaverville PCA


30 Alabama Avenue - Weaverville 828-645-7344


Sunday School ~ 9:45 am Worship Service ~ 11:00 am


Wednesday Prayer meeting/ Bible study ~ 6:30 pm


REV. SKIP GILLIKIN www.fpcweaverville.org


Locust Grove Baptist Church


305 Locust Grove Rd. Weaverville 828-645-4977


9:50 am Sunday School 11:00 am Morning Worship 7:00 pm Evening Worship


Sunday Pastor:


7:00 pm Prayer & Bible Study Youth Worship Service


Wednesday Ben Whitmire locustgrovebaptist.com


Church of the Redeemer Traditional Episcopal


1201 Riverside Drive, Woodfin, NC 28804 A warm, historical, welcoming, inclusive, family oriented church


Holy Eucharist Sunday • 8:15 a.m. & 10:30 a.m. www.church-of-the-redeemer-episcopal.org


828-253-3588


Christ UMC 81 Garrison Br. Rd. #2 Weaverville, NC 28787 828-645-5785 www.cumcweaverville.org Worship 11:00 AM Pastor Naomi King


20 THE TRIBUNE/LEADER - December 23 - December 29, 2010 Emmanuel


Lutheran Church 51 Wilburn Place ~ Asheville


828-252-1795


www.emmanuellutheran.info 8:30 am & 11:00 am


Praise and Worship: 11:00 am (Gym)


Salem United


Methodist Church 9 Salem Church Rd. Weaverville ~ 828.645.6014 Pastor - Rev. Darrel Bowles


Worship Hours: Sunday School 9:45 AM Worship 11:00 AM Wednesday


Evening 6:30 PM (Prayer and Bible Study)


Celebration Baptist Church 2 Boyds Chapel Road, Weaverville


Sunday School 9:30 Worship 10:30


Wednesday Prayer/ Bible Study 6:30


Pastor: Rev. Dolph Robinson


Octavio Andujar


Chase Buckner


Three keys to estate planning


family know just how you’d like to see your assets distributed, and to whom. At the very least, you’ll need to draw up a will. If you were to die without one, the state could end up distribut- ing your resources, and it might do so in a way you wouldn’t have wanted. But even a will may not be sufficient. Many people design a living trust, which provides them with more flex- ibility in distributing assets — for example, you could direct your living trust to disperse assets to children or grandchildren at specific ages — and allows assets to be distributed without going through the time-consuming, and public, probate process. • Protecting your family — Estate


planning isn’t just about dollars and cents — it also involves taking the necessary steps to preserve the welfare of your family if you are not around or become incapacitated. Consequently, you’ll need to name a guardian for your minor children — someone who can step in and raise them should anything happen to you and your spouse. And when your children are adults, you’ll want to help them with decisions that could prove agonizing. For example, by creating a living will, you can state whether you want your life prolonged if you ever face a termi- nal illness or catastrophic brain injury and are no longer able to make deci- sions for yourself. And by drawing up a health care power of attorney, you can name someone to make health care choices for you if you are unable to do so. • Reducing estate taxes — De- pending on the size of your estate,


your heirs may never have to worry about estate taxes. But that’s hard to predict, especially given the fact that federal estate laws have gone through several changes in recent years, and may do so again. Your best bet is to stay informed about the exemption level — the amount you can pass on to your heirs, free of estate taxes — and look for ways to reduce the size of your taxable estate. You could, for instance, make charitable gifts, thus moving these assets from your estate. You may also want to consider ar- rangements such as an irrevocable life insurance trust — under which you can transfer a life insurance policy out of your estate and have the trust dis- tribute the proceeds to the beneficia- ries you’ve chosen — or a credit shel- ter trust, which allows both you and your spouse to take full advantage of both your estate tax exemptions. A trust can be a complex instru-


ment, so before establishing one, you’ll need to consult with your tax and legal advisors. In fact, you’ll want to consult with them on all aspects of estate planning. It will take time and effort, but it’s worth it to leave the type of legacy you desire.


Edward Jones, its associates and


financial advisors are not estate planners and cannot provide tax or legal advice. Please consult your attorney or qualified tax advisor regarding your situation.


Tis article was written by Ed-


ward Jones for use by your local Ed- ward Jones financial advisor.


www.weavervilletribune.com


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