If you are seeking valid and current information on drafting
an affordable, high quality Arizona Living Trust portfolio, or just
desire a simple update for your current trust -- you have come to the right place!
Hello! I am M.D.
Anderson, a long-term financial advisor originally from
Forest City, Iowa. I have been practicing estate planning
and financial consulting now for 39+ years.
As an AZCLDP, (Certified Legal Document Preparer), I am
authorized and licensed to
draft legal documents in Arizona. I am also a
practicing accountant, licensed annuity adviser, nationally
recognized inherited IRA
consultant and a licensed real estate agent/Realtor with
Realty One Group in Tempe, Arizona. Because of my broad
levels of practice and experience, few other Arizona
document preparers would have the perspective I apply to
Living Trust Menu
101 For Newbies Learn about the history of living
trusts and how they work.
to Sleep Better?
Avoiding probate can
also help avoid trouble after you die.
to Avoid Mistakes?
& avoid costly estate planning mistakes.
Need an Update?
what could happen if you don't update. And
Read about our specific update
Who Should You Avoid for New Trust or Update Services?
the "Characters" you should avoid.
Who Should You Use for New Trust or Update Services? Learn
the two options you have here in Arizona.
What If I Draft My Own Trust Documents?
why that could get you all twisted up later.
Get any portfolio document & special
online pricing, and review
complete ordering details.
an Arizona Estate or Trust? Free
complimentary Arizona estate settlement information for
NOTE: If you don't
currently have an attorney or Certified Legal Document
Preparer (AZCLDP) to assist you, be sure to click on
to review the complete package costs or to actually order
YOUR UPDATE OR
NEW TRUST PORTFOLIO online.
NOTE: I give an additional 10%
discount for all "internet" orders received online!
Stay Out of the Legal Maze
information site is designed so
YOU can discover solid information to assist your quest to
draft proper Arizona legal documents, and stay out of the
legal "maze" so many get caught up in.
The legal maze applies when you only listen and react, but
don't fully understand the concepts you are supposed to
approve. And, the legal jargon inside the "maze" needs
to be learned enough so that you can understand what
trusts are, who needs them and how much they cost. Lastly,
you probably are wondering just who can
legally draft them.
This website is designed to give you
the information you need to make good decisions and to help
you understand the legal concepts as well as get answers to
your most important questions.
Perhaps you may already have a trust and are wondering if it is still up
to date. If that is the case, if your last update was before January
1st, 2009, I can give you the general legal information
allowed by my licensing to say --
it probably is not! An
important Arizona specific change took place on that date.
After that date, mandatory provisions of the Arizona
Trust Code (We call it the ATC) applies to all irrevocable trusts.
And, if you have a trust, sometime in the future -- every
trust still in effect becomes irrevocable when you either
become permanently disabled, or when you die.
If your current trust advisor doesn't keep you updated, you may want to check with
me to see if you need
an update as there is no charge to take a look at your
current documents. Or to discuss doing a new trust
portfolio for you for the first time if you are now
exploring your options.
You can arrange a free sit down
meeting with me at no obligation here in the valley for new
trust documents or updates. Or, if you live outside
the valley, you can transmit a filled in PDF of our
data worksheet or a PDF
file or fax of your current legal documents to our firm via email or fax. (Call
480-345-1616 in the valley,
or 1-800-782-2806 if
out of the valley for more details.)
Because of another major federal law
change affecting estate taxes that became effective January
1st, 2013 -- chances are high you
need an immediate trust review if you used any "A/B"
language in a former marital trust you now have in effect.
You wouldn't believe what I read in some of my trust
reviews. For example all marital trusts in force with a mandatory A/B splitting requirement
could be a problem now that the federal death tax does not apply until your
assets exceed $5,340,000 per married spouse in 2014!
Chances are high that your current Arizona drafted marital trust is
now out of date and could
contain language that restricts marital assets upon the first
death. This is because most families no
longer face federal estate inheritance death taxes.
Just Use the FSI Phone
You may need
immediate help right now with a trust here in Arizona.
Perhaps a Trust owner is failing mentally and you don't know
what to do. Or, your Arizona Trust owner has just
passed away and the first steps are not known in what you
are supposed to do as Successor Trustee.
Perhaps you need a trust amendment or additional help in settling an Arizona trust. You may
be out of state searching for help on settling a
parent's or other relative's trust as Trust/estate administrator.
Valuable Information Nuggets
will find valuable information nuggets on this website you
just won't find elsewhere. If you were invited to come to this site by one of our
offsite ads, invitations or brochures, this information is
provided so that you can help determine if your
current Arizona Living Trust needs an update.
That is if it
still has marital A/B marital split instructions. Or
your trust could also be hampered by not having the most recent
updates for Arizona Trust Code (ATC) wording.
Perhaps, you searched on your own and found us online.
Be sure to invite your Arizona friends
and relatives to come and read this site, since they may also be
just like you -- seeking sound
and up-to-date Arizona living trust related information they
firm tailors our services to local residents who desire
physical delivery of an
Arizona living trust portfolio (or updates), but we also
provide electronic PDF versions for others around the state who
may not want to drive to the valley to meet with me.
whether it is a complete trust portfolio, or just one legal
document, or anything in between, my firm can help you obtain exactly what you need or
want with the least amount of effort and at the lowest cost
5 Ways To Assist You
Draft from scratch, a modern high quality
Arizona living trust
and other estate planning documents.
Update a current trust and other estate planning documents.
Settle any Arizona living trust for your loved one.
Consult on any other financial issue that directly or
indirectly affects a living trust.
Refer you to other professional lawyers and CPA's if you
need additional legal or
order to make the best decisions in
your own estate planning or that of your loved one, we are
giving away important free information, considered "General
Legal Information" under state law.
Regardless of what you are searching for, you
can get help right now by calling the FSI hotline at:
No Obligation or Charge for your
ON CHEAP TRUSTS!
properly drafted Arizona living trusts must meet certain minimum
standards, especially since Arizona has adopted a version
of the Uniform Trust Code. (known also as the UTC)
Be especially cautious if
any work you pay for does not have specific Arizona statutes
and codes quoted in it.
That is a SURE SIGN you have purchased a "trust mill" type trust which
frankly, most likely isn't going to get the job done
just seems in this continued economic downturn in the
economy that many are looking for lower cost
alternatives. They want
affordable lower pricing, and yet expect excellent "top hat" work as well.
You still get what you pay for.
Good work normally is not cheap
and cheap work normally is not good...
However, using an experienced Arizona certified legal
document preparer (AZCLDP) can help you save money for new
and updated documents. You can obtain the quality legal
documents you expect at an affordable and reasonable cost
factor by using my companies' professional legal document preparation services.
(39 years of financial services experience)
10 Reasons to Call Me Right Now
other AZCLDP's have practiced in legal documents in Arizona
since 1991. (I only do estate planning documents) I have
been an estate planner since 1976 and have written 100's
of Arizona trusts since 1991.
Sadly, over 100 clients have used
my trust at death so far! None to date, with my knowledge,
triggered a probate!!!
preparers take the extra time to
list each asset with
actual account numbers and assist in funding until the
funding process is completed. I can do so because of
licensing in real estate and insurance, which allows
much more depth in understanding the proper funding
procedures for your assets and being legally authorized
in assisting you in the complicated funding process. Note:
An unfunded trust is worthless. And, an incorrectly
funded trust may be worse than ever having one!
I am a
nationally known and quoted IRA
consultant. All 401-k's, 403b's, and other pension plans
sooner or later become an IRA at retirement. And all can
be "stretched" to pay for generations if set up
properly. Knowing how to re-title IRA's is extremely
important!!! I have already saved my Arizona clients
hundreds of thousands of dollars in needless tax when
they die with a large IRA by preplanning for an
Warning: Some of the fastest
talking, high ego financial planners have and will tell
you to cash in your parents' IRA as the only option. The
it is the only option that
allows them to get a new "lump sum" commission on
more information on how to set up your IRA for
"Inherited IRA" status, just visit this popular
information site also sponsored by Financial Strategies,
Also being a
practicing accountant since 1987 allows me to have great
depth in understanding all tax provisions in my company
"Legacy Trust" portfolio series and explaining them
adequately to my legal document clients. Filing estate
and trust tax returns for clients is also a normal
service FSI provides to our legal document clientele as
well as to clients around the country.
knowledge and experience as a
Realtor as well
just expands my scope and coverage in funding a trust
One Group/Tempe Office)
service is available. I take great pride in my
services provided to any metro Phoenix resident who has
difficulty traveling. If you
desire, I will come to your home to discuss or draft
your trust portfolio, all for your convenience and
comfort! And I not only service the work I produce, but I will give document service to anyone
who has an out of date trust or wants changes
product may very well be the best designed, complete,
and legally correct trust portfolio available in Arizona
from a non-lawyer AZCLDP. This assumption is based on other competitor
products that have been reviewed for over 21 years of
practice! I give you about 275 pages of quality estate
planning documents (marital trusts) that are long and lengthy by design
to be sure all contingencies are covered. Better yet, I
follow rigid update parameters to be sure my master
documents comply with strict Arizona state statutes as
well as Federal statutes, and all law changes that
affect both of them. I then offer affordable updates
just days after changes take place. Unlike most Arizona based legal
documents, my portfolio documents give coverage out of
state as well as around the world.
portability clauses, you will get extension of
protection no matter where you travel to.
Extras! Extras! Extras! I do family
documentations, digital photography inserts, trust
stationary, etc., that others would never dream of
including -- all at one set "package" price! If you
don't have pictures available for scanning or transfer,
I even give away a free photo session to get up to date
pictures into your portfolio! Also, free designer
pens, note pads, web access, etc. etc.
I even have a new
authoring service to help you document your life --
while you are still here!
available right now! You can call me and get
started without delays, excuses or unknown expenses that
will later add to your billing. Just one set fee
covers all services provided by my firm. In just a
matter of days after you provide all data to me, your
professional Living Trust Portfolio can be signed and
Risk Reading This Important Information and Putting if Off
Longer To Take Action...
could cause mayhem and a lot of extra money and frustration
by your survivors.
Don't be like 70% of all Americans who put
this important work off for "later" and then ... they died!
In that case,
your good intentions, your desires and your dreams for your
survivors -- may just vanish into thin air if you are
seriously disabled or die before drafting these life and
death controlling legal documents.
You might even
be like some "almost" clients who on more than one occasion,
went ahead and set appointments with me to draft a trust --
and never lived long enough to actually attend the
appointments that were set! One died at a rest stop
somewhere in Nebraska and another up on the ridge of the
Grand Canyon! (So in that case, set an appointment
cordially invite you now to visit my firms' additional pages
and websites so you can get special internet
secured credit card portal allows you to
hire me and get an automatic 10% discount as well for hiring
you now desire a modern and complete Arizona Living
Trust Portfolio, or updates to your current legal document
portfolio, I would love to assist you right now.
a Trust Portfolio is more than
what you need in legal documents, take a look at my sister product -
The Will Portfolio - which can also fit the needs of smaller
estates or smaller budgets. And, a free $90 gift
awaits you if you are not an FSI client.
ask you to
for any further questions you may have, or to engage my
services. If this
information gave you the "push" you needed to go ahead and
draft proper documents, let me know about it.
Or, just give me your comments, corrections, or
maybe even your own story about how a trust helped or the
lack of having a trust hurt someone you know. I would
be happy to publish it here or on my
blog if you submit them
to me. (Be sure to give me contact information so I can send
you a legal release form)
I have found
that this work is a journey, just like life. I was granted
the skills to not only create and draft quality trust
portfolios, but to be able to help families understand them
both before and after -- when things go wrong. I have
tried to give as much general legal information as you need
to help educate you.
Many children of
my senior clients from around the United States now carry a
Trust ID card I gave their parents with my nationwide toll
free number on it. They are ready when they get that dreaded
call..."something has happened to Mom...".
They like knowing someone in Arizona is on
stand by no matter what time of day or evening it is.
If you are reading this and have an immediate
question or perhaps you have someone else here in Arizona
you would like me to contact, help. update, etc. --
just give me a call right now:
(No obligation or cost of course)
Regardless if I
ever personally meet you, or if I ever do business together
with you, it has been my extreme pleasure to meet you
electronically in this format. I wish you the best in good
health and to have a long and happy life!
M.D. Anderson, President
Testimonials are readily available for those who may still
need some coaxing or convincing that my services are premier
and priced fairly over alternative methods. Five testimonials from my clients that have used my
will or trust portfolio services are reproduced below.
Note the long term relationships mentioned by some. (I am
planning on being around to help you in the future when you
need it most)
(Received on 9/30/08)
"My first interaction with Mike
happened back in September 2005 approximately 1 month
after my mother passed away in Sun Lakes, Arizona. Mike
had made my mothers living trust some years prior to her
death. I had copies of bits and pieces of the trust my
mother had sent me but had never seen the whole trust
until it was given to me by her new husband of 8 months
only hours after her death. Being unfamiliar with the
trust as well as devastated by the sudden passing of my
mother I went through it briefly and hit what I felt
were the high points. It wasn’t until I arrived back in
Spokane, Washington that I sought out help ciphering
through the whole trust with the help of a reputable
living trust attorney. His initial charge to complete it
all would be between $15,000- $25,000. It was a fairly
substantial trust but I felt that was a bit over the
top. I then sat down and read it cover to cover and
stumbled upon a statement that said to contact Mike
Anderson if any problems were encountered reading the
trust. So I figured I’d contact him before proceeding
forward of course figuring another big price tag to get
Boy was I
pleasantly surprised after speaking with Mike for just a
few minutes and finding out he could take care of
everything for somewhere around $1000-$1500 depending on
what changes my mother had done to it. I sent the trust
to Mike. From that point on I never had any worries.
Mike kept in constant contact with me always keeping me
informed of what needed to be done and when and then he
took care of it. My mother (bless her heart) had made
quite numerous changes some on her own and some with
assistance from her new husband of 8 months. Most
changes were done by pencil scratch out and re-written
in new information. Mike was able to cipher through all
the legal and questionable changes that had taken place
and handled everything there in Arizona.
I felt so
comfortable with Mike’s guidance and knowledge I had
him go ahead and make living trust’s for both me and my
wife. I have been in contact with Mike over the last 3
years asking guidance when I make additions and changes
to my trust and he is always very expedient and
professional in getting back to me. I cannot thank Mike
enough for all the monetary value he saved but more for
all the mental grief he saved me. Thanks Mike!"
Retired MSgt USAF
Max & Ellen Eskildsen
Mead, Washington 99021
(Received on 6/27/08) "I have known Michael Anderson for
some time as both a colleague and as an associate of our 105
year-old Brazilian international law firm, located in Rio de
Janeiro. Mike and his Arizona firm, Financial Strategies,
Inc. has been contracted to do strategic financial, tax,
trust and estate planning and development on behalf of an
important and long-standing client, a member of one of
Brazil’s most famous families with assets in Brazil and
personally attest to his business acumen, sharpness of mind,
outstanding professional abilities and most importantly, his
honesty, integrity and professionalism in accomplishing the
most difficult and complex tasks put to him. Mike’s
personal interest in the well-being and concern for the
client’s interests entrusted to him is remarkable and
noteworthy. His Estate Planning & Trust Portfolio has become
a model for others attempting to match his efforts in
producing such an important and meaningful document to both
clients, their heirs and family members.
has constantly dealt with professionals in all sectors
world-wide over the years and I can attest to that fact that
Mike is head and shoulders above them all. We look forward
to a continued and fruitful relationship with Michael
Anderson and his firm for years to come."
Saul S. Gefter, Esq.
U.S. Consul (ret.)
Member, D.C. Bar Assn.
Petrópolis, RJ Brazil
(Received on 6/14/08): "It was my mother,
Berniece Robb, who first introduced me to Michael
Anderson. Mother's tax accountant extraordinaire for a
period of time, she became aware of Mike's family trust
preparation capabilities. Contacting referrals, she
received splendid encouragement from individuals who had
engaged Mr. Anderson in preparing their trusts. Mother
placed her confidence in Mike and asked him to proceed with
her estate. Soon after, as I was a widow with three
children, Mother encouraged me to do the same. That
was winter of 1992.
Mother died in April of 1996.
As difficult as the loss was emotionally, Mike stepped
up to the plate (Mike was only a phone call away),
just as he informed us he would and as the trust would.
As successor to Mother's estate, I had immediate access to
her accounts, including the ability to write checks for her
funeral expenses. There was no probate, no waiting, no
need for approval from brokerage houses and financial
institutions, and no added expenses. Everything was in
order and fell mercifully in place, thanks to Mike's
foresight in trust preparation.
updates may be necessary due to changes in the law (I have
had one), I can say with confidence that I have peace
of mind Mike will inform me of such changes and my children
will experience the same ease when it comes time to settling
my estate at my death. My children will know my final
wishes. Short of that, the individuals I have chosen
will have the trust tools (Powers of Attorney), to deal with
all health and financial issues should I be incapable of
In all sincerity, Thank you Mike Anderson for
offering me "Shaffer Family Trust" peace of mind.
(Received on 5/8/08):
"Mike Anderson has been handling our taxes
for our small business for about 20 years. He never keeps us
waiting for answers when we have questions about anything
from taxes to finances to real estate. He is very
knowledgeable and we know that we can trust his advice.
did our trust for our family and it was wonderful! He
seems to make it come alive by the way he represents the
family in personal ways by adding pictures of us and even
our pets. Mike makes our life run more smoothly and he
does it at a very affordable price."
Frankie and Dennis Malicowski
Testimonial #5 A
Client Family Thank You Card
First, please review all estate planning documents our firm
General Review of
FSI Document Services
Review the Complete Legacy Trust Portfolio Pricing Page
Or call us for anything else at:
(There is no obligation or cost)
Free Service Forms & Services
Help yourself to
these free forms. They are the necessary service forms
for those thinking about doing a trust portfolio or major
trust portfolio update with our firm. And, of course,
if you have decided to employ our certified document
preparation services for your living trust at this time,
this is a handy way to get instant access to everything you
need to get started.
All are in PDF
formats, which allow you to view online, save to your
computer, or print online as well!
What Information Do I Need to Do a Trust?
FSI Current Pricing Sheet
FSI Disclosure Form
FSI Legacy Trust Portfolio Data Worksheet
And, if you need a definition of a legal term, just
CLICK to visit the FSI Law Library For Estate Term
To get the latest estate
tax updates and commentary, with a humorous approach...
Take A Look At The Individual & Portfolio Documents
Available To Order Online -- And Important "On line" Pricing
Disclaimer: The information
contained on this site, though deemed reliable and accurate, is solely
the opinion and statements of the advisor profiled. Therefore, it should
be considered "general" in nature and no action should be taken based on
this information until such time your specific situation and
circumstances can be reviewed and analyzed by competent and qualified
tax, insurance, legal, and/or other financial advisors. This information
is not intended, nor should be construed as legal advice. FSI can not
and will not give you legal advice. If you need legal advice, we can
refer you if you desire and request it. Founded in 1990, FSI is a
long-term Financial Advisory and Arizona domiciled Corporation now
providing services nationwide and in some foreign countries. Services
profiled herein are available unrestricted to Arizona residents.
Residents outside of Arizona are eligible for certain consulting
services and to legal (lawyer) referrals by our firm when requested of
us. For Arizona residents, communication with an Arizona Certified Legal
Document Preparer (AZCLDP) are private and confidential but are not
"privileged", such as they would be with an actual Lawyer.
Besides being a licensed Arizona Certified Legal
Document Preparer, Mr. Anderson is also an Arizona
Professional Accountant/Consultant and registered IRS tax
preparer and ERO (Electronic Return Originator) agent/firm.
He also is an Arizona licensed Professional
(Realtor®)/consultant (with Realty One Group) and a licensed Professional insurance
agent and corporation for life, health or annuity sales.
Lastly, he and his firm is an appointed representative for
Royal Metals Group as a Professional Precious Metals
consultant and sales advisor.
Terms & Conditions of Use Policy
which can be referenced or reviewed by clicking on the highlighted text
in this sentence above.
Corporate Member, Arizona Association of
Independent Paralegals / Mr. Anderson also serves on the
Advisory Board of Senior Advisor Magazine
M.D. Anderson is a personal member of the NEA
(National Ethics Association) for multiple