``Investing and Estate Planning for women,'' will be the next seminaroffered by First Tennessee duringits Estate Planning Series Bank offers free estate seminars "Investing and Estate Planning for Women" will be the next seminar offered by First Tennessee during its estate planning series. The series continues July 13 through the end of the year. The Estate Planning and Money-Wise Investing Seminar Series is scheduled monthly in First Tennessees auditorium located in its Oak Court offices at 4385 Poplar Ave. next to Oak Court Mall. The seminars, which are free to the public, will focus on a variety of planning issues ranging from investing and estate planning for women to tax-smart gifting strategies. During the past 10 years, many Americans have experienced growth in their estates and income through such tax-deferred instruments as IRAs, 401(k)s, profit sharing plans and annuities. As a result, there will be a dramatic transfer of wealth from one generation to the next, and baby boomers are expected to receive more than $143 billion by 2000, according to a 1994 Cornell University study. The First Tennessee seminars address the challenges of estate planning relative to this phenomenal growth by offering advice on minimizing taxes and developing smart investment strategies. Two First Tennessee Trust Division vice presidents, Lisa Cook and Caprice Devereux, will conduct the series. Cook and Devereux have more than 30 years combined experience in personal trust and estate planning. Guest speakers will be on hand for some of the seminars. Seminar participants have the option of choosing a mid-afternoon session from 1 p.m. to 2:30 p.m. or an early evening session from 6 p.m. to 7:30 p.m. Upcoming series topics include "How Does a Living Trust Work?" "Thinking of Selling or Passing On a Family Business?" and "Asset Allocation Strategies for Investing Your IRA Rollover."