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H.C. Murray Corp. was established in 1980 as an independent insurance agency.
Since H.C. Murray Corp. is an independent firm, we offer several types of coverage from a wide variety of companies. This allows us to focus on providing you with the right amount of insurance and the right type of coverage for your needs.
Whether you insurance needs are business, personal or both, we have a genuine interest in finding the right solution for you. Our attention to detail and dedication to our customers have set us apart from the rest.
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Products & Services
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Life & Disability Insurance Planning
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Corporate Benefit Planning
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Business Succession Planning
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Estate Planning
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Retirement Planning
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Long Term Care Planning
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Property & Casualty Insurance Protection
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Health Insurance Protection
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We make a living by what we get, we make a life by what we give. Sir Winston Churchill (1874 - 1965)
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| Contact Us
H.C. Murray Corp.
6133 Rockside Road, Suite #405
Independence, OH 44131
216-525-7280
216-525-7286 fax
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Greetings!
We hope you find our August newsletter enjoyable and informative. |
Estate tax elimination could cost heirs
By Kay Bell · Bankrate.com
Some advocates of a permanent estate tax repeal might want to consider this warning: Be careful what you wish for. As is often the case in tax-law changes, when some taxpayers win, others lose. That will be the case in 2010 when, under current law, the estate tax disappears for that year only. Ironically, that same year some heirs will find they owe more in taxes than they would if the tax had remained in place. Read More: Estate Tax Elimination |
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Estate Tax Exemption Amount
Year Estate Tax Applicable Estate Tax Estate Tax
Exemption Amount Credit Amount Rate
2009 $3,500,000 $1,455,800 45%
2010 Estate Tax Repealed
2011 $1,000,000 $345,800 55% |
Life Guide: Planning Your Estate
Estate planning is the process of accumulating, preserving and distributing assets to achieve your financial goals during your lifetime, and to provide for your heirs according to your wishes at death.
As such, estate planning is not a one-time event. Instead, it is an ongoing process designed to accomplish accumulation, preservation and distribution objectives, both during your lifetime and after your death.
The purpose of this guide is to assist you in understanding the estate planning process and to serve as a framework resulting in the development of a new estate plan or the updating of an existing plan.
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Besides directing where your money and belongings go, a will is where you name guardians for your kids.
Even if you own your home and a couple of cars and have a fairly sophisticated investment plan, there's a pretty good chance that you don't have a will.
More than half of American adults don't. And, after all, planning for your own mortality is just a bit off-putting. You may also have to make unwelcome and difficult assessments of people you love. Is your son a spendthrift? Can your spouse manage money?
Read More: Why You Need A Will |
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 Optimist
"The Glass is Half Full"
Pessimist
"The Glass is Half Empty"
Estate Planning Attorney
"The IRS took half because you didn't plan". | |
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Frustrated with "Low Interest" Rates?
