1. MSU Extension Personal and Financial Management Publications1 1 1

2. Main Author: Marsha A. Goetting Ph.D., CFP®, CFCS
Professor & Extension Family Economics Specialist
Department of Agricultural Economics & Economics 2 2 2

3. www.montana.edu/estateplanning/ eppublications.html
Website
eppublications.html
Print out FREE 3

4. From local county Extension offices
Available FREE:
From local county Extension offices 4 4

5. but there is a charge for postage
Order from:
but there is a charge for postage 5 5

6. Credit Management 6 6 6

7. Credit Card Trackers EB-168
Small credit card tracker that fits around credit/debit cards.
Includes a Record of Credit Card Debt. 7 7 7

8. Estate Planning 8 8 8

9. Accessing a Deceased Person’s Financial Accounts MT200301HR
Describes how heirs can access deceased person’s financial accounts 6 9

10. Provides information about annuities
Annuities MT199213HR
Provides information about annuities
Outlines how to shop for an annuity 10 10 10

11. Beneficiary Deeds in Montana MT200707HR
Explains how Beneficiary Deeds allow owners of real property to:
Transfer their Montana property to one or more beneficiaries without probate 11 11 11

12. Montana Body Donation Program: A Potential Component of an Estate Plan MT201804HR
Some Montanans are motivated to make a body donation by the desire to contribute to medical education. 12 12 12

13. Using a Bypass Trust to Provide for Children from Remarried, Step, and Blended Families MT201407HR
Explores:
Important issues for Montana families (remarried, step, and blended) about the varying challenges to the estate planning process. 13 13 13

14. Montana Common Law Marriage & Estate Planning MT201408HR
Explores:
Montana common law marriage from an estate planning perceptive 14 14 14

15. Explores: Personal & family concerns State & Federal regulations Costs
Cremation MT200201HR
Explores:
Personal & family concerns
State & Federal regulations
Costs
115 15

16. Designating Beneficiaries Through Contractual Arrangements MT199901HR
Learn about transferring your assets through contractual arrangements:
Insurance policies
IRAs
Employee benefit plans
Payable on death accounts (POD)
Transfer on death accounts (TOD) 13 16

17. Dying Without a Will in Montana: Who Receives Your Property MT198908HR
Provides legal terms & detailed examples of possible scenarios for distribution of property if a person dies without writing a will 14 17

18. Dying Without a Will in Montana: Interactive website
Illustrates how your property will be distributed under Montana law if you are a Montana resident and if you pass away without a written will (as do 7 out of 10 Americans). 15 18

19. Estate Planning for Families with Minor &/or Special Needs Children MT199117HR
Explains how to provide for children's physical & financial care in case of parents' death 16 19

20. Estate Planning: Getting Started MT199508HR
Explains how & why to arrange for the future use & distribution of your property 20 17 20

21. Estate Planning Tools for Owners of Pets & Companion Animals or Service Animals MT201405HR
Outlines legal options for owners who plan to name a caregiver for their pets. 21 21

22. Federal Estate Tax MT199104HR
Analyzes how federal tax laws affect individual estates 22 22

23. Gifting: A Property Transfer Tool Estate Planning MT199105HR
Explains how to use:
Gifts of real & personal property to reduce income taxes & eventually estate taxes 23 23

24. Glossary of Estate Planning Terms MT200202HR
Provides definitions of some of the estate planning terms used in MSU Extension Estate Planning MontGuides 24 24

25. Letter of Last Instructions MT198904HR
Explains what should be included in a letter of last instructions to assist survivors after the death of the writer 25 25

26. Life Estate: A Useful Estate Planning Tool MT200510HR
Explains how to leave a life estate to someone for use during his/her lifetime with estate passing on to the remainderman after the death of the life tenant 26 26

27. Life Insurance: An Estate Planning Tool MT199211HR
Explains uses of life insurance as a part of a family's estate plan. 27 27

28. Livestock Brands in Montana: An Important Component of an Estate Plan MT201805HR
Explains Montana brand ownership laws as they pertain to estate planning. 28 28

29. Long-Term Care Partnership Insurance in Montana MT201202HR
Provides basic information about the Montana long-term care partnership insurance program, tax benefits, and shopping tips 29 29

30. Medicaid & Long-Term Care Costs MT199511HR
Outlines the legal & tax ramifications
Explores impacts on emotional & physical health of financing long-term care 30 30

31. Montana’s End-of-Life Registry MT200602HR
Answers commonly asked questions about the Montana End-of-Life Registry
318 31

32. Save Montana Income Taxes with a Charitable Gift Annuity: A Legacy Qualifying for the Montana Endowment Tax Credit MT201807HR
Explains how charitable gift annuities could be used to meet both the altruistic and tax savings goals of Montanans. 32 32

33. Montana Rights of Terminally Ill Act MT199202HR
Describes how a person can choose to terminate his/her medical  treatment, if they have an incurable or irreversible condition 33 33

34. Distributions from a trust Gifts while living
Montana Uniform Transfers to Minors Act (UTMA) Custodial Accounts for Children Under Age 21 MT199910HR
Describes how a parent or other adults can make gifts of assets to children:
Bequests with a will
Distributions from a trust
Gifts while living 34 34 31 34

35. Nonprobate Transfers MT199509HR
Describes the various forms of ownership that allow the deceased's property to bypass probate & transfer directly to beneficiaries. 35 35

36. Personal Representatives MT199008HR
Explains responsibilities of a personal representative when settling an estate 36 36

37. Power of Attorney (financial) MT199001HR
Explains how to give another person authority to make financial decisions for you. 37 37

38. Probate in Montana MT199006HR
Provides guidelines & costs for the process of settling an estate in Montana 38 38

39. Property Ownership MT198907HR
Describes the three main forms of property ownership:
Solely-owned
Joint tenancy with right of survivorship
Tenancy in common 39 39

40. Provider Orders for Life-Sustaining Treatment MT199008HR
Form that gives you control over your medical treatments near the end-of-life.
Recognized as an actual medical order 40 40

41. Revocable Living Trusts MT199612HR
Explains:
Benefits & shortfalls
Costs & tax consequences of living trusts 41 41

42. Selecting an Organizational Structure for Your Business MT199708HR
Describes the various types of business structure:
Sole proprietorship
Partnership
Corporation (S&C)
Limited liability company (LLC) 42 42

43. Settling an Estate: What Do I Need to Know MT201004HR
Assists survivors start the process of settling an estate & ease the burden following the death of a loved one. 43 43

44. Transferring a Montana Vehicle Title After the Death of an Owner MT201613HR
Describes how to transfer a Certificate of Title, also known as title, for a motor vehicle to the deceased person’s heirs. 44 44

45. Transferring Real Property Owned in a Joint Tenancy or in a Life Estate Without Probate MT201606HR
Describes how to transfer a Certificate of Title, also known as title, for a motor vehicle to the deceased person’s heirs. 45 42 45

46. Transferring Your Farm or Ranch to Next Generation EB 149
Provides ideas about starting a conversation with family members who are reluctant to discuss estate planning 43 46

47. What Are Your Rights Over Your Remains? MT200918HR
Describes the Montana Right of Disposition Act that allows a person to provide instructions for disposing of his or her remains 47 47

48. Outlines why & how to construct a will including: Costs Restrictions
Wills MT198906HR
Outlines why & how to construct a will including:
Costs
Restrictions
Changes after its  completion 45 48

49. Who Gets Grandma’s Yellow Pie Plate? MT199701HR
Explains how to deal with some of the issues that may arise with the transfer of non-titled property 49 49

50. Estate Planning: The Basics Packets COST $10.00 EB 144
18 Estate Planning guides
Free Additional guides can be ordered
Name will be added to a mailing list to receive update when there are state & federal law changes 50 50

51. Financial Management 51 51 51

52. Check Register EB 50 COST $1.00
Detailed instructions explain how to transform an own ordinary checkbook into a handy budgeting tool. 52

53. Using a Check Register to Track Your Expenses MT198903HR
Accompanies Check Register Tracking System (EB 50)
Explains how to utilize the Check Register. 53 53

54. Developing a Spending Plan MT199703HR
Contains worksheets for balancing income & expenses so that money is available for the things families need most. 54 54

55. Helping with Friends Cope with Financial Crisis MT200206HR
Explains the resources that are available to help friends that may be in financial crisis. 55 55

56. Schedule of Non-monthly Living Expenses MT198910HR
Includes instructions & a worksheet for determining a set-aside amount for a family's non-monthly living expenses. 56 56

57. Using a Homestead Declaration to Protect Your Home from Creditors MT199815HR
Explains how to file a homestead declaration to protect equity in home against most creditor’s claims. 57 57

58. Household Record-Keeping58 58 58

59. Record of Important Papers
Interactive Form provided by eXtension 59 59

60. Your Important Papers—What to Keep & Where MT199611HR
Offers personalized & efficient system for preserving & safeguarding important family papers.
Provides a handy reference for deciding what items to keep. 60 60

61. Marriage & Families 61 61 61

62. Lending Money to Family Members MT199323HR
Analyzes potential hazards of loaning money to relatives.
Reviews the tax implications & other legal aspects of the various options. 62 62

63. Premarital Agreement Contracts in Montana: Financial and Legal Aspects MT201212HR
Lists items to consider and highlights some of the financial and legal aspects of premarital agreement contracts. 63 63

64. Remarried Families: Making Financial Decisions MT199323HR
Explains how to develop spending plans and successfully communicate about financial goals within remarried families. 64 64

65. Talking With Aging Parents About Finances MT199324HR
Provides strategies for dealing diplomatically with family finance issues with aging parents. 65 65

66. Saving & Investing 66 66 66

67. Montana ABLE Accounts: Achieving a Better Life Experience MT201809HR
Savings Account allowing persons with disabilities to save money and not lose their SSI or Medicaid benefits. 67 67

68. First-Time Homebuyer Savings Accounts MT199918HR
Explains how Montana residents can save money in a special savings account for the purchase of a first home & save on Montana income taxes. 68 68

69. Health Savings Accounts MT200704HR
Explains the Federal Health Savings Account (HSA) eligibility requirements 69 69

70. Montana Medical Care Savings Account MT199817HR
Explains:
Who is eligible
What expenses are allowed
How to set up an MSA
How much can be saved on Montana Income Taxes 70 70

71. Track’n Your Savings Goals MT200303HR
Illustrates a technique to help track progress towards achieving family & personal savings goals 71 71

72. Track’n Your Savings Goals Register EB 164
A 36-page 3x6" savings register fits inside a checkbook cover to keep savings goals handy. 72 72

73. Family Economics Website
extensionecon/ familyeconomics 73

74. Estate Planning Website
estateplanning 49 74