MSU Extension
Personal & Family
Financial
Management
Publications
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Main Author:
Marsha A. Goetting
®
Ph.D., CFP , CFCS
Professor & Extension
Family Economics Specialist
Department of Agricultural
Economics & Economics
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Family Economics
Web site
www.montana.edu/
extensionecon/family
economics.html
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Web site
www.montana.edu/
extensionecon/
financialpublications.
html
Print out FREE
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Order from:
store.msuextension.
org…
but there is a
charge for
postage
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Available FREE:
 From local
county Extension
offices
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Credit
Management
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Credit Card Trackers
EB-168
 Small credit card tracker
that fits around
credit/debit cards
 Includes a Record of
Credit Card Debt
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MSU Extension
Estate
Planning
Publications
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Main Author:
Marsha A. Goetting
®
Ph.D., CFP , CFCS
Professor & Extension
Family Economics Specialist
Department of Agricultural
Economics & Economics
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Web site
www.montana.edu/
estateplanning
Print out FREE
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Available FREE:
 From local
county Extension
offices
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Accessing a Deceased
Person’s Financial Accounts
MT200301HR
 Describes how heirs can
access deceased
person’s financial
accounts
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Annuities
MT199213HR
 Provides information about
annuities
 Outlines how to shop for an
annuity
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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
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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
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16 process.
Montana Common Law
Marriage & Estate Planning
MT201408HR
 Explores:
• Montana common
law marriage from
an estate planning
perceptive
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Cremation
MT200201HR
 Explores:
• Personal & family concerns
• State & Federal regulations
• Costs
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Designating Beneficiaries Through
Contractual Arrangements
MT199901HR
 Learn about transferring your assets
through contractual arrangements:
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Insurance policies
IRAs
Employee benefit plans
Payable on death accounts (POD)
Transfer on death accounts (TOD)
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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
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Dying Without a Will in
Montana: Interactive Web site
www.montana.edu/dyingwithoutawill
 Web site 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)
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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
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Estate Planning: Getting
Started MT199508HR
 Explains how & why
to arrange for the
future use &
distribution of your
property
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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.
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Federal Estate Tax
MT199104HR
 Analyzes how federal
tax laws affect
individual estates
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Gifting: A Property Transfer
Tool Estate Planning
MT199105HR
 Explains how to use:
• Gifts of real & personal
property to reduce
income taxes &
eventually estate taxes
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Glossary of Estate Planning
Terms
MT200202HR
 Provides definitions of some
of the estate planning terms
used in MSU Extension
Estate Planning
MontGuides
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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
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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
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Life Insurance: An
Estate Planning Tool
MT199211HR
Explains uses of
life insurance as a
part of a family's
estate plan
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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
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Medicaid & Long-Term
Care Costs
MT199511HR
 Outlines the legal & tax
ramifications
 Explores impacts on
emotional & physical health
of financing long-term care
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Montana’s End-of-Life
Registry
MT200602HR
 Answers commonly
asked questions
about the Montana
End-of-Life Registry
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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
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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
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Nonprobate Transfers
MT199509HR
 Describes the various forms
of ownership that allow the
deceased's property to
bypass probate & transfer
directly to beneficiaries
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Personal Representatives
MT199008HR
 Explains
responsibilities
of a personal
representative when
settling an estate
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Power of Attorney
MT199001HR
 Explains how to give
another person
authority
to make financial
decisions for you
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Probate in Montana
MT199006HR
 Provides guidelines &
costs for the process of
settling an estate in
Montana
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Property Ownership
MT198907HR
 Describes the three main
forms of property
ownership:
• Solely-owned
• Joint tenancy with right
of survivorship
• Tenancy in common
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Provider Orders for LifeSustaining Treatment
MT199008HR
 Form that gives you control
over your medical
treatments near the
end-of-life.
• Recognized as an
actual medical order
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Revocable Living Trusts
MT199612HR
 Explains:
• Benefits &
shortfalls
• Costs & tax
consequences of living
trusts
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Selecting an Organizational
Structure for Your Business
MT199708HR
 Describes the various types of
business structure:
•
•
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Sole proprietorship
Partnership
Corporation (S&C)
Limited liability company (LLC)
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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
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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
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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
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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
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Wills MT198906HR
 Outlines why & how to
construct a will including:
• Costs
• Restrictions
• Changes after its
completion
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Estate Planning: The Basics
Packets EB 144 COST $10.00
 19 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
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Financial
Management
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50
Check Register
EB 50 COST $1.00
 Detailed instructions explain
how to transform an own
ordinary checkbook into a
handy budgeting tool
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Using a Check Register to
Track Your Expenses
MT198903HR
 Accompanies Check
Register Tracking System
(EB 50)
• Explains how to utilize the
Check Register
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Developing a Spending Plan
MT199703HR
 Contains worksheets for
balancing income &
expenses so that money
is available for the things
families need most
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Helping with Friends Cope
with Financial Crisis
MT200206HR
 Explains the resources
that are available to help
friends that may be in
financial crisis
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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
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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
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Household
Record-Keeping
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Record of Important
Papers
Interactive Form
provided by
eXtension
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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
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Marriage &
Families
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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
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Talking With Aging
Parents About Finances
MT199324HR
 Provides strategies for
dealing diplomatically
with family finance
issues with aging
parents
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Remarried Families:
Making Financial Decisions
MT201211HR
 Tips for
developing
successful communication
about financial goals within
a remarried family
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Premarital Agreement
Contracts in Montana:
Financial & Legal Aspects
MT201212HR
 Helps couples resolve concerns over:
• Money
• Work
• Children
• Home
• Inheritance and mutual issues
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Saving &
Investing
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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
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Health Care Savings
Accounts
MT200704HR
 Explains the Federal
Health Savings Account
(HSA) eligibility
requirements
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Investing in Certificates
MT199801HR
 Provides information on
comparing a range of savings
certificates that are available
from a variety of financial
institutions
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Montana Medical Care
Savings Account
MT199817HR
 Explains:
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Who is eligible
What expenses are allowed
How to set up an MSA
How much can be saved on
Montana Income Taxes
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Track’n Your Savings Goals
MT200303HR
 Illustrates a technique
to help track progress
towards achieving
family & personal
savings goals
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Track’n Your Savings Goals
Register EB 164
 A 36-page 3x6" savings register
fits inside a checkbook cover to
keep savings goals handy
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