How a Will & Trust Protects Your Kids

• Assign Guardianship: Legally name trusted guardians for your children.
• Control Over Assets: Ensure your assets are distributed responsibly for your child’s upbringing and education.
• Avoid Probate Delays: A Trust bypasses the lengthy and costly probate process, providing immediate support for your kids.
• Peace of Mind: Rest assured knowing your children’s future is secure, no matter what happens.

Start Early: Smarter College Savings Plans

The rising cost of higher education makes early planning essential. While 529 plans are popular, they come with limitations like restricted use and penalties for non-educational withdrawals. GST Financial Services offers better alternatives tailored to your needs.

• Flexibility: Use funds not just for college but also for other educational goals or emergencies.
• Guaranteed Growth: Options that protect your savings from market downturns.
• No Penalties: No restrictions or penalties for withdrawals, offering you financial freedom.
• Tax Advantages: Plans that optimize tax benefits while securing your child's education.

Achieve Your Dreams with the Right Financial Products

At GST Financial Services, we offer a range of financial products designed to align with your goals and dreams for your family’s future:

• Living Benefits Life Insurance: Protect your family while building cash value that can be used for education, emergencies, or retirement.
• Annuities: Secure a steady income stream for long-term stability and college funding.
• Index Universal Life (IUL): A flexible option offering tax-advantaged savings and market protection.
• Customized Trusts: Ensure your assets are managed and distributed as per your wishes.
• Financial Planning Services: Tailored strategies to maximize savings and investments.