Estate & Legacy Planning

Beneficiary designations and account titling override your will. We review every account and policy against your estate documents and fix the mismatches — the most common and most expensive failure we find.

 Revocable and irrevocable trusts, gifting frameworks, and ownership structures are drafted by your attorney; we make sure they are funded, titled, and invested consistently with their purpose once they exist.

Lifetime gifting, annual exclusion gifts, and trust funding all interact with your own income needs and with a federal exemption that shifts with legislation. We model what you can give without compromising your plan, and revisit as the law changes.

Donor-advised funds, qualified charitable distributions, appreciated-stock gifts, and charitable trusts each fit a different goal. We match the vehicle to whether you want income, control, anonymity, or a family giving tradition.

Inherited retirement accounts now come with a compressed distribution window and a tax bill attached. We model what heirs will actually receive after tax, and — when you want it — meet with adult children so the transition is not their first conversation about any of this.

For owners, the business is often the largest asset in the estate. We help you plan for what it means to your family: estate liquidity, retirement income after you step away, and how proceeds fit your broader plan, working alongside your attorney, CPA, and other advisors.