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by Michael C. Wittenberg Cfp(r) (Author)
From this compact book, learn from a certified financial planner certificant CFP(R) who has helped hundreds of clients over more than thirty-five years practical estate planning steps you can take to protect yourself and those you love. This book, written in layperson's words for easy understanding, explains aspects of wills, financial and medical powers of attorney, revocable living trusts, "living wills," and much more. Learn how to use free tools such as beneficiary designations, POD, and TOD forms (and when not to use them) to avoid the expense, delay, and publicity of probate. Making distinctions among single ownership, joint ownership with rights of survivorship, and trust ownership are essential. This work explains personal retirement plans such as traditional and Roth IRAs, 401(k), and 403(b) employer retirement plans, along with concepts such as tax deferral, pretax, and after-tax contributions, transfers, and retirement plan distribution strategies. Income taxes, capital gain taxes, and estate taxes are also made simple. Michael shows you how to maintain control over your team of advisors while getting the most out of professionals who serve you. Having been a caregiver himself, learn from Michael how you can successfully navigate emotional concerns, preventing and reducing family arguments. Challenges faced by spouses, parents, adult children, caregivers, executors and administrators, heirs, and beneficiaries are highlighted to lighten your burden. Michael's experience and education provide valuable insights for widows, widowers, and adult children suffering from the pain and fog of bereavement. This unique book combines both helpful tips to solve thorny obstacles you face, without confusing legalese, with an understanding of the feelings individuals and families face on the path from wellness, to illness, death, and while tackling postdeath estate settlement. This book fills a crucial unmet need enabling spouses, parents, and adult children to make wiser decisions while protecting those they love.
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Shipping information
- Free Shipping* on all orders over $300 USD to most countries* Estimated delivery: 2-5 business days Mon-Sat to U.S., CA, EU etc.
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- Store 7994 Shipping policy
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- Free Worldwide Shipping $300+. International duties & VAT are calculated by destination country and may be collected upon delivery. UK orders are subject to 20% import VAT upon delivery.
Our innovation isn’t just in the brands we carry — it’s in the way we connect them. From our automation engine that keeps collections globally updated to our commitment to authenticity-first presentation, STORE 7994 exists where timeless design meets modern precision.
Every product we offer is:
Elevated · Intentional · Exclusive · Authentic
STORE 7994 is an authorized reseller of luxury fashion houses. Certificates and proof of authenticity are available to brand owners and partners upon request.
Returns & Refunds
We want you to shop with confidence at STORE 7994. If your purchase does not meet expectations, eligible items may be returned under the conditions below.
Return Eligibility
Items must be unused, unworn, and in original condition with all tags, packaging, and accessories included. Items showing any signs of wear or damage will not be accepted.
Return Window
Return requests must be made within 14 days of delivery.
Return Shipping
Customers are responsible for return shipping costs unless the item is defective, damaged, or incorrect.
Luxury Items
Items valued over $1,000 may be subject to a 7% restocking fee upon approved return.
Non-Returnable Items
For hygiene and product integrity reasons, the following items are final sale once opened or used:
• Underwear
• Fragrances
• Any worn or used items
Made-to-Order Items
Custom-designed products, including STORE 7994 hoodies, are made exclusively for each customer and are final sale. These items are not eligible for return or exchange unless defective or incorrect.
If you receive a defective or incorrect item, please contact us and we will make it right.
International Shipping & Duties
Many of our products ship directly from trusted international partners. Any applicable customs duties or import taxes are calculated at checkout and are non-refundable, even if the item is returned.
Returns & Associated Fees
All approved returns are subject to a $24 return processing fee. For international orders, duties, taxes, and return fees will be deducted from the original payment.
Shipping Policy
Complimentary shipping is offered on orders over $300. Orders below this threshold are subject to standard shipping rates at checkout.
