Pushing through the urge to disengage and through the resistance to be involved is difficult, but if we don’t all take responsibility for it, then we’ll end up in a place that we don’t want to be in. Think about it like this: Who is taking responsibility for our current situation? The answer is that we should all be taking responsibility, whether we played our role actively are passively.

More Reasons To Be Involved Than Ever Before

Even if the typical issues like taxes, the economy, social matters, job creation, globalization, and fiscal policy aren’t enough to motivate you to be involved, there is one issue that will probably get you off the couch this election season: YOUR MONEY!

On December 31st of this year, a law that provides very good tax treatment for estates will sunset, unless it is renewed by Congress and the President. The current law exempts from taxation estates of $5 million or less ($10 million for married couples). That means that most folks currently fall completely outside the realm of taxation.

If the current law does expire, the law that replaces it will likely tax estates that exceed the $1 million mark. In other words, the new law will almost certainly cast a much wider net, and if you are at all concerned about your wealth, then you should be paying attention to the 2012 elections and writing to your representatives in Congress. Every dollar in your bank account is a reason to be more involved than ever before.

It Can Actually Be Fun

The idea is to fully express yourself, and it’s okay to have some fun while doing it. While the issues are very serious, there’s no reason that you have to take yourself too seriously, even when you’re talking politics with friends and family. When you talk about your favorite candidates, talk about the issues and encourage your loved ones of voting age to research those issues and where the candidates stand on those issues. And smile while you’re doing it!

An election year also presents an opportunity to teach your kids about our electoral system, the reasons it exists, and the importance of being involved. Kids really do believe that they can make a difference in the world, and that idea should be nurtured, since children really are our future.

What You Can Do

Even if the beneficial estate tax laws sunset in 2012, you can take action today to prevent losing significant benefits. There are several things you can do. You can give gifts, you can create a trust, and there are some other tricks that can likely help you save on estate taxes.

If you have questions about establishing an estate plan, please don’t wait to call our offices. Time is ticking. If you call our office today and mention this article by name, we’ll give you a Family Wealth Planning Session™ free of charge . . . a $500 value, absolutely free of charge. Don’t wait. November and election time could honestly be too late.

Some Examples of Assets without Physical Form

Do you own a domain name . . . you know, a web address? How about a Facebook account? What about an easily recognizable email address or a Twitter handle? Are any of those things valuable and worth passing on to your loved ones? If so, have you made arrangements to have ownership of those assets transferred upon your death?

Those sorts of assets without form are just a few examples of intangible assets. Other examples include copyrights, patents, trademarks, and licensing agreements, to name a few. You must include these assets in your estate plan or else you risk having a court decide who gets the revenue streams derived from those assets. In an increasingly complex world, value becomes locked into all sorts of unexpected places. Think about a cellular telephone packed with customer contact information as an example. The information locked in the phone is much more valuable than the phone itself.

The value of your legacy is no different. The value of your life is not locked into or limited to your physical form. It goes well beyond the physical. Your greatest legacy is your story and what you share with your loved ones while you’re alive, so that you can see and enjoy the impact you have on your family and friends. We all shape the world in our own unique ways. What’s important is that you pass on your story so it can inspire and shape your family for generations beyond your life.

Maximize Each Moment of Your Life

It’s important to implement a comprehensive estate plan, but it’s also important to share information on how to access your estate plan and your intangible assets with someone you really trust. That way your physical and intangible assets get passed to the people you want to have them, and you never have to waste any of your valuable life worrying about what will happen after you’re gone. To the contrary, you can revel in knowing that you’ll be a positive force in your family for many, many years after your death. That’s true peace of mind, and it will allow you to live in and fully maximize each moment without fear of forgetting to pass on your important heirlooms, stories, and secrets—the things that might serve as a foundation for your family going forward.

The process of planning your estate can be daunting. The good news is that you’re not alone, because we are a law firm dedicated to helping you develop and monitor a complete plan that achieves your desired results and minimizes the obligations of your loved ones.

If you’d like to learn more about what that means, call our office today to schedule a Family Wealth Planning Session. We normally charge $750 for a Family Wealth Planning Session, but to give you an opportunity to consult with us and understand the estate planning process, I’ve made space for the next two people who mention this article to have a complete planning session at no charge. Call today and mention this article.

In addition, proper estate planning may be necessary in order to reduce an estate tax burden. Protecting your property is complex. The amount of money and other assets you have will determine the type of planning best suited to your needs, so the first step of creating any estate plan is taking a thorough inventory. Depending on your needs, the management of your wealth can involve the creation of revocable living trusts, wills, lifetime gifts, and life estates.

The assets that need to be identified and evaluated when creating your estate planning strategy include investments, real property, insurance policies, and personal effects. The bottom line is that you want to do whatever is necessary to make sure that your assets are properly managed, that your wealth is distributed to your beneficiaries in accordance with your wishes, and that your tax burden (if any) is minimized.

The Process

Beyond taking an inventory, there are four basic components to estate planning:

• Property Law

It is important to understand that in the absence of estate planning, property is passed according to a succession plan mandated by law. The process of estate planning allows individuals to trump the law of succession and make sure their own wishes are fulfilled. Estate planning also relieves loved ones from the responsibility–the often painful and embarrassing process–of going before a judge and publicly discussing family matters in the event of an incapacitation.

All assets are subject to property law in one way or another, including cash, stocks, bonds, life insurance policies, retirement accounts, and of course real estate.

• Legal Documents

The two most common documents in an estate plan are wills and living trusts. These documents contain your instructions for the distribution or management of your assets. These documents name an executor who will be responsible for the execution of your instructions in the event of your death or incapacitation.

• Estate Taxes

Understanding your tax burden will help you develop a plan to minimize taxes. The amount of taxes due upon your death will depend on the value of your assets, and the laws in this area are constantly in flux. Currently, there are federal estate taxes and you may have an additional state tax burden, depending on where you claim permanent residency.

• Financial Goals and Plan Development

There are many ways to protect your assets, pass wealth, and minimize taxes. The type of property you have acquired and your financial goals will determine the methods you need to implement to protect your property. Your financial goals should include asset protection before and after death, which may involve “gifting” some of your assets during your life, either to individuals or to trusts set up so that you make sure gifts are used according to your wishes.

In order to develop and implement a plan that meets your specific needs, you should consult a knowledgeable professional. You want to choose an attorney who specializes in estate planning and has implemented systems to ensure that a comprehensive plan is created for every specific situation, not an attorney who dabbles in estate planning.

Let a Professional Guide You

You’ve worked hard to acquire the assets that you have, and you shouldn’t ever have to worry about how those assets will be passed on in the event that something happens to you. You should know that it will benefit the people for whom you care most, because with that in place, there is really nothing to worry about.

Call us today to schedule your Family Wealth Planning Session. Our Family Wealth Planning Session normally runs $750 (and we fill up fast at that rate), but this month I’ve made space for the next two people who mention this article to have a complete planning session with me at no charge. Call today and mention this article.

Reason #1: Protecting Property for Certain Beneficiaries

When most of us think about estate planning, we think about passing our property to our family and other loved ones after we die. However, sometimes our intended beneficiaries are unable to handle an inheritance. Minor children are the most common example of this. Minor children aren’t even allowed to own property in many states. In most states, a guardian is appointed to hold the property on behalf of inheriting children until they are legally old enough to own property. Even then, if you speak to parents of an 18 year old, they might cringe at the idea of their teenager receiving any large sum of money. An 18 year old with outright legal ownership of money might very well quit school, buy a sports car, and head to Hawaii. Having a living trust alleviates this problem.

Reason #2: Managing Property upon Incapacity.

If you can believe it, one major concern today is the idea of living too long! Many people worry about whether or not their parents can live in their own homes. Many worry about how their parents’ bills are being covered and about the safety of their money from other people. Unfortunately, in the case of parents who have not done adequate estate planning, the only option is to file an application with the probate court for a guardian. That’s a jaw-grinding experience, because it exposes personal and financial information to total strangers. Besides, it’s a humiliating indignity to be declared legally incompetent.

Don’t put your own children through that painful experience.

A revocable living trust solves this problem. A revocable living trust allows your successor trustee to take control whenever you resign or are incapable of handling your affairs. There is typically no interruption in the management of assets, and there is no court supervision. Revocable living trusts also enjoy a greater level of acceptance throughout the legal and financial community, and almost all states provide a broad range of statutory powers regarding the management of trust property. While it is true that a living trust isn’t effective unless your property is in the trust, a durable power of attorney will enable your attorney-in-fact to transfer property into your trust if you can’t do it on your own. Of course, we can help you with all of the details.

Reason #3: Avoiding Probate.

When you die, property in your revocable living trust will not go through probate. That’s because the living trust itself spells out who gets to take ownership of the property. It’s very similar to 401(k) plans, life insurance, annuities, IRAs, and company retirement plans. Since those properties each have a designated beneficiary, those properties do not go through probate but, rather, pass directly to the beneficiaries (often with some tax advantages).

Jointly owned property with a right of survivorship does not go through probate either. It passes automatically to the surviving joint owner. Unfortunately, relying completely on joint tenancy laws is not advisable. It’s entirely possible that both joint tenants die at the same time or that the surviving tenant passes away without having specified who should inherit the property. A revocable living trust spells that out in advance.

Estate Planning can be Daunting

The process of planning your estate can be a daunting task. The good news is that you don’t have to do it alone, because we are a law firm dedicated to helping you develop and monitor a complete plan that achieves your desired results and minimizes the obligations of your loved ones.

If you’d like to learn more about what that means, call our office today to schedule a Family Wealth Planning Session. We normally charge $750 for a Family Wealth Planning Session, but to give you an opportunity to consult with us and understand the estate planning process, I’ve made space for the next two people who mention this article to have a complete planning session at no charge. Call today and mention this article.

What is a Business?

In a very broad sense, a business is something that delivers value to customers in exchange for enough revenue to make operations worthwhile. People and businesses are very similar in that both spend their time acquiring assets.

Business entities are even more similar to people. A business entity has its own legal existence. That just means that business entities can enter contracts, buy and sell goods, sue and be sued, and do just about anything else that a person can do.

The similarities end, however, when the discussion turns to continuity. A business entity, unlike a person, can exist perpetually. Sure, businesses can be wound up and their existence terminated, but they can and often do outlive their founders. The result is that business entities themselves do not need to make or have estate plans. People do, because people cannot live perpetually.

The Living Trust Solution

The irony, of course, is that businesses are owned by people. Without a plan in place for what will happen in the event of death, all assets owned by individuals, whether businesses, cash, stocks, or real estate, may become subject to the court system. In the case of assets like cash, being subjected to probate simply means that attorney fees will eat up a big part of the estate.

In the case of a business, the probate process can very well mean a total loss. That’s because probate takes a long time, and if there is no succession plan in place, then a business may not be able to operate lawfully and may have to be wound up.

It goes without saying that if you own a profitable business, you want to pass it along to those who matter most in your life. A living trust is the perfect mechanism for people, business owners and non-business owners alike to pass on their assets without involving the court system, at a significant cost savings, and with a high degree of privacy.

In the case of business owners, there are some specific benefits to using a living trust:

· The ability to pass ownership of your business without the need for court involvement, so that operations never skip a beat.

· The ability to specify a succession plan in accordance with your business’s governing documents (e.g. operation agreement or partnership agreement).

Tailoring living trusts is a big part of our legal practice. We are here to serve your needs and provide a customized solution to your estate and succession planning needs, so that you never have to worry about what will happen to your loved ones, your assets, or your business in a worst case scenario.

Call us today to schedule your Family Wealth Planning Session, and learn how we can create a trust that meets your needs. Our Family Wealth Planning Session normally runs $750, but the first two people to mention this article will receive a complete planning session with me at no charge. Call today and mention this article.

A woman, let’s call her Elizabeth, has passed away. Elizabeth is survived by four adult sons.

Our fictional character was a very caring woman, and she lived simply. She had a nice home with a garden and grandchildren who loved her. Nobody would ever have expected that Elizabeth had several hundred thousand dollars in the bank and owned her home outright. Elizabeth was also very thoughtful. She left a last will and testament. She did the best job she could to express her wishes clearly, but she made one critical mistake.

Rather than having a bank account in her name alone, Elizabeth listed her eldest son on the account as a joint tenant with a right of survivorship. What that means now, in simple terms, is that her eldest son is the sole owner of all the cash in that bank account.

An Honest Boy

Elizabeth knew her sons were very close with one another. She knew that the son who was listed on her bank account would share the money with her other sons. She had no doubts in that respect. In this case, let’s assume Elizabeth’s intuition was right.

Assume that Elizabeth’s son is an honest boy and wants to share the money with his brothers. He is between a rock and a hard place. To understand why, we first need to ask why many people choose to arrange their finances in the ways they do.

The simple answer is that many people want to avoid probate court. They want the administration of their estates to be simple for their daughters, sons, grandchildren, and other heirs. Most people don’t want the courts involved at all.

In many states, wills don’t have to be probated (i.e. a court doesn’t have to be involved) if an estate is worth less than a certain dollar amount, $75,000 for example. By essentially giving cash to relatives—by naming a relative as joint owner with the right of survivorship—estates can effectively be reduced to a level that avoids probate.

Here’s the rub in this situation: Elizabeth’s eldest son is now the sole owner of several hundred thousand dollars. If he distributes that money to his brothers, there will be huge gift tax consequences. Worse, if he dies before he’s able to make those distributions, then his estate will retain the money. In other words, if he dies before figuring out a way to get the money to his brothers, it’s likely that his mother’s last wishes won’t be fulfilled.

Remember, the characters are hypothetical, but the situation does happen quite often.

The Cost of Traditional Law Practices

It is true that Elizabeth’s son could use part of his lifetime gift tax exemption to pass the money directly to his brothers, but once that exemption is used, it’s gone forever. Elizabeth should have used her lifetime gift tax exemption, but she didn’t know how. So what could she have done differently and why didn’t she do it?

Forming a simple living trust is the easiest way to avoid probate court. In the legal field we call it a revocable inter vivos trust. The use of a simple living trust can easily accomplish the goal of reducing an estate to a level that avoids probate. Even better, it allows you to retain control of your assets. Shared or joint ownership is not required. More importantly, use of a living trust absolutely ensures that your wishes will be carried out. In other words, it eliminates risk.

Why don’t more people create living trusts? My intuition is that most people simply lack the information they need to make good decisions with respect to estate planning. Most people have heard of a will but don’t know that a will often isn’t enough. Many people even hire attorneys to draft wills, and their attorneys neglect to inform them of the benefits of a living trust.

That, Ladies and Gentlemen, is a disgrace to my profession. Attorneys have done a great job marketing themselves as personal injury advocates, but they’ve dropped the ball when it comes to informing families about the things that really matter.

That’s the primary reason that we run a different kind of law firm. We are here to fully educate and serve, not just draft a will and move on.

If you’d like to learn more about what we mean, call our office today to schedule a Family Wealth Planning Session. We normally charge $750 for a Family Wealth Planning Session, but to give you an opportunity to consult with us and understand what issues your current estate plan may have, I’ve made space for the next two people who mention this article to have a complete planning session with me at no charge. Call today and mention this article.

Yes, you heard that correctly. It’s simply not the case that minor children pass to a trusted loved one or relative. In the absence of a directive from you—a directive from the parents—the state is automatically awarded custody of the minor children of deceased parents . . . until a judge decides otherwise.

The Reason for the Baseline

Waiting for a judge’s decision is the baseline rule, and it exists for a very good reason: The people who are entitled to custody of children by operation of law may or may not be properly equipped to raise children. Thus the need for a judge’s assessment before custody is passed.

Who wants to leave that decision to a judge? Nobody. What is the alternative? Our law firm. Our firm addresses the needs of parents who want to decide for themselves who is capable, willing, and loving enough to take on the responsibility of raising their children if the unthinkable happens. It’s simply a matter of deciding who you want to be in control: You? Or the State and an unknown judge?

Things to Consider

We’ve helped lots of families work through the process of developing plans to protect their kids. Along the way, we’ve learned a few lessons that we want to share with you.

1. Choose one person rather than a couple to take custody of your children in the event that something happens to you and your spouse. People get divorced all the time. Transitioning to a new home will be tough enough for your children, especially if they’ve already lost the people they love the most. It simply would not be fair to put them through a custody battle waged at some distant time in the future. Again, you have the power to control the outcome. It just takes a little bit of forward thinking.

2. In deciding who you should appoint to care for your children, consider not only who will love and nurture your children as you would want but also who will make the best effort at passing along your story and your legacy. This is important, because without this element in place, your children might have questions about their own identity, heritage, and background. Then, obviously, it makes sense to appoint a person with whom you have been totally open, so that your story can endure.

3. Consider putting one person in charge of managing finances for your children and a separate person in charge of actually rearing them. These two tasks require drastically different skill sets, and unless you know and trust someone who is capable in both areas, it is wise to separate the duties.

Today’s Offer

Our appointment book for the next 30 days is already almost full. However, we’re making room for a few people who really want to plan and make provisions for the care of their children. Call us today to schedule your Family Wealth Planning Session. Our Family Wealth Planning Sessions normally run $400 (and we have no trouble filling out our calendar, even when charging full price), but we have committed our firm to make extra space for the next two people who call and mention this article to have a comprehensive planning session at no charge, so please call right now.

A living will is a document that outlines your wishes for the kind of care and medical intervention that you want (or specifically do not want) if you become terminally ill or find yourself in need of life-support but are unable to speak or otherwise communicate, as could be the case if you fall into a coma.

Careful Drafting Required

A majority of states have statutory laws that specifically define when a living will must be “activated.” Some states limit the type of medical procedures and interventions that can be controlled with a living will, and interpretation of your wishes is always an issue. Incorporating complex wishes and desires into a legal document is far from a perfect science, but it’s incredibly important and deserves your attention and the attention of a detail-oriented professional attorney.

Removing Uncertainty and Guilt

Take a moment to consider your loved ones deliberating over whether you would choose to live or die. Imagine them thinking and talking about life support decisions. Imagine the feelings that would overcome them during those discussions and the guilt they might feel. Now, realize that such conversations need never occur. By implementing a living will, you can express your wishes in advance and keep your loved ones from ever having to feel responsible or guilty for making what is essentially a very personal choice—a choice that only you can authentically make.

A Healthcare Surrogate

Decisions expressed in living wills are generally taken very seriously and respected by medical professionals and the legal system. When ambiguities do exist, the chances of your wishes being followed are greatly increased if you have appointed a healthcare surrogate. A healthcare surrogate is a person with whom you have discussed your wishes. It is a person who understands you and, in some cases, a person who is authorized to act on your behalf if you are legally incapacitated.

Healthcare surrogates are appointed via healthcare proxies (a.k.a. medical power of attorney). As is the case with living wills, the importance of properly forming your medial power of appointment cannot be overstated. Equally important is figuring out who is willing to serve as your surrogate and who you trust enough to make decisions on your behalf when you’ll literally be more vulnerable than ever before. Deciding who you trust with your life and death choices could be the most important decision you ever make. And once the choice is made, it’s critical that you and your surrogate have as many conversations as necessary to make your wishes absolutely clear. There is no room for uncertainty here. Your life literally hangs in the balance, and it’s imperative that you realize the last decision you ever make could be the next decision you make.

When choosing a surrogate, remember that your designated decision-maker needs to be capable of three things: Understanding critical medical information about your condition and treatment, handling stress associated with difficult decisions, and respecting and honoring your wishes.

Let’s Talk it Over

If you’d like to learn more about medical directives and estate planning, call our office today to schedule a time for us to sit down and talk. We normally charge $750 for a Family Wealth Planning Session, but because of the importance of medical directives and proxies, I’ve made space for the next two people who mention this article to have a complete planning session at no charge. Call today and mention this article.

As a parent, you know that providing your children with a college education is one of the best things you can do to ensure their future.

Yet, in a recent Gallup poll, 70% of the parents surveyed admitted they have no idea how they’re going to pay to send their children to college.

And it’s not just that money is tight.

Tuition and fees are rising dramatically and that makes a tough situation even worse.

While it may be frustrating, don’t give up. You can still plan for college and help your children pay for it.

Here are five strategies to help you foot the bill:

Scholarships

Contrary to popular belief, scholarships are not based strictly on need. Regardless of your family’s financial situation, don’t walk away from free money. Your child may be eligible for a scholarship even if you are fairly well off.

Start looking at scholarship possibilities when your child is a sophomore to make sure that they have plenty of time to meet the community service, essay or other requirements to qualify.

Check out www.collegeboard.com and www.fastweb.com to conduct your own research on available scholarships and their requirements.

Tax Credits

Make sure you take advantage of income tax credits. For example, the Hope Scholarship Tax Credit may give you up to $2500 to help with books, tuition and fees. Many of these credits are limited according to your income so check with www.irs.gov to see what and how much you qualify for.

FAFSA

The Free Application for Federal Student Aid (FAFSA) program can help you find out which government programs you may qualify for including loans and grants. Don’t just assume that you make too much money to qualify. Start doing your homework on the requirements now to be ready to fill out the paperwork for the next school year. It never hurts to plan ahead.

529 College Savings Plans

There are a lot of benefits to starting a 529 College Savings Plan. They’re tax-advantaged if you use them for college expenses, they’re not income limited so virtually anyone can start one and they can be transferred to another beneficiary if you need to transfer the fund to use it for a child other than the one it was originally started for.

Investment Tip for the Wise – Make sure that your savings strategy becomes more conservative as it gets closer to the time your child is leaving for college.

Loans – Federal vs. Private

As a last resort, you can look into borrowing money for college. Check out what the federal government is offering before you go the private loan route. Federal loans won’t cost as much to pay back and they have better repayment terms. If you qualify for a needs based loan, you could get an interest rate of as low as 4.5% fixed.

If you opt for a private loan, make sure you comparison shop. And really take a look at the total cost over the life of the loan. If you can pay all or most of the interest while your child is in school and/or get a shorter term loan, you’ll save a bundle.

Let us help you formulate a plan to take care of your children. Regardless of the age of your children, it’s never too early to plan and plan well.

Schedule your Family Wealth Planning Session today. Our Family Wealth Planning Session is normally $750, but this month I’ve made space for the next two people who mention this article to have a complete planning session with me at no charge. Call 208-406-9885 today and mention this article.

Medical issues…

Birth of a child…

A milestone birthday…

Any of these events can trigger the urge to put your affairs in order and plan your estate.

One of the best things you can for your loved ones is to leave them an estate that’s well organized, clear cut and easy to administer.

While we talk often about the need for a sound estate plan, we know that trying to plan your estate can be overwhelming, especially if the need for planning was triggered by a traumatic event.

Making a list can help you get a handle on what you need to do and what your attorney will need to make the process easier for everyone.

This checklist will give you a good idea of what you need to take to your meeting with your estate planning attorney:

• Make a complete list of all your assets and liabilities. Include how much you pay on any notes and when the payments are due.
• Include information about assets that are not cash assets or securities (things like real estate, vehicles, boats, etc.) Make note of where the asset is located and whether it’s in your name or if it’s owned jointly with your spouse or another party.
• Make list of the names, ages and addresses of all family members and friends who will be beneficiaries in your estate.
• Bring a copy of your current will (if you have one) to your attorney’s office so they can have a copy of it.
• Make a complete list of the current balances of any employee benefits plans like 401(k)’s and IRA’s and the beneficiary designations on each account.
• If you’ve made cash gifts to any of your beneficiaries, bring copies of any gift tax forms filed.
• If you’ve been divorced, adopted a child, or are currently separated, bring copies of any important documents.
• Bring copies of deeds of ownership for real estate.
• If possible, outline how you want your property to pass in each of the following situations:
  • If you die before your spouse
  • If your spouse dies before you
  • If one or more of your children dies before you
  • If you die before your mother or father and the survivor may need financial assistance

Things to Think About

Aside from getting paperwork in order, there are certain scenarios you need to consider and prepare for.

Here are a few examples:

• If you and your spouse die at the same time:

- How old should your children be before you make property available to them without restriction?

- Who do you want to designate as guardians of your children? If your chosen guardian(s) become unable to care for your children, whom would you want to succeed them?

• Are there any charities you want to name in your estate plan? If so, what do you want to leave them?
• Make a list of any personal property you want to go to specific individuals and any other special considerations you want to plan for. This is a very important step for keeping peace within the family after your death. Just telling someone they can have something isn’t enough.
• Who do you want to appoint as executor of your estate. Your executor is responsible for distributing your assets the way you want them distributed. Ask your attorney for advice on making a good choice.

We hope this list gives you a good idea of what you need to bring to your appointment with your estate planning attorney and the decisions you need to consider beforehand. Getting as much of the prep work as possible out of the way before your appointment will make for a more efficient use of your time and your attorney’s.

Call us and we’ll talk about any questions you have about getting prepared.

Schedule your Family Wealth Planning Session today. Our Family Wealth Planning Session is normally $750, but this month I’ve made space for the next two people who mention this article to have a complete planning session with me at no charge. Call 406.9885 today and mention this article.