A lot of my clients are worried about whether or not they have to pay any estate tax. The fact is that most of us don’t really have to worry about it because as we're sitting here today the estate tax limit is $5.43 million or double that if you're married. So for most of us it's not really a concern, but if it is a concern there are certain strategies that we can put in place to make sure that your estate taxes are minimized and so the most amount of money as possible can go to your heirs and your beneficiaries.