Madeline came from a very poor family. As soon as she was able to she went looking for work. She soon found a job as a telephone operator and continued in this job all her working life. She never made more than $20,000 a year but the memory of her childhood poverty caused her to save and invest, whenever she could. Still, she always found a few extra dollars to give to one charity or another.

By the time she turned 73, Madeline had managed to grow her savings to $200,000. She lived a frugal life but one that was rich and allowed her to travel the world, fish and spend time with family and friends. She realized that if she was to do more with the funds she had she would need a professional advisor. So in 1990, she asked her friend, who was also a financial advisor, to help her grow her portfolio. The advisor helped advise Madeline on her insurance needs, helped her choose tax deferred investments and assisted with the set up of trusts for estate planning.

In 2000, Madeline died leaving an estate valued at $1.1 million.  In keeping with her lifelong desire, all of her money went to seven charities, having a very profound impact on a large number of people who never even knew this remarkable woman.

Everyone needs estate planning. Without a solid estate plan in place, a large portion of your estate could be needlessly lost to taxes, fees, administrative expenses and probate. Estate taxes alone can reduce an estate by as much as 55%!

Estate planning is the process of making sure your money goes where you want it to go -- giving what you have to whom you want, when you want and how you want  -- at the smallest possible financial and emotional cost.

At S.A.M.G. we can bring all the complex aspects of estate planning together into one simplified and creative process- no matter how complicated your situation may be.