Estate & Insurance Planning

We help you make sure your affairs are in order. That applies both having adequate insurance coverage for when things go wrong and making sure you look after your family by having a will and trust that meets your wishes and ensures your legacy.

Estate & Insurance Planning

Look after those you love

Estate Planning

Without a wealth transfer plan in place, state-appointed lawyers or others who don’t have your interests in mind could determine what happens to your estate. Outdated wills, uncoordinated beneficiaries and unknown tax implications can bring stress and confusion to your financial heirs.

How we can help

We work directly with you and your attorneys to help create a complete wealth transfer plan. Our Estate Planning services include:

Helping you understand the importance of a will. We consult with your legal team to help them create a will that accurately reflects your wishes.
Creating Powers of Attorney (POA). We work with your estate attorney to implement a well-crafted POA to define appropriate health-care decisions in case you are ill or incapacitated, as well as secure ongoing arrangements once you pass.
Choosing executors. We share criteria to consider when appointing an executor – especially if minor children/guardians are involved.
Designating beneficiaries. We help you designate beneficiaries carefully so that your estate assets are allocated to the right people at the right time.
Considerations for dependents. We help ensure that your dependents (be they minors, adult children, siblings or aging parents) are taken care of in accordance with your desires.
Tax planning considerations. We assist with minimizing estate taxes and reducing probate fees.
Protecting your estate. Your estate plan will facilitate protection and management of long-term investments, property and other tangible assets until they are finally disposed of and the proceeds are distributed to your designated beneficiaries.
Health and welfare considerations. We advise you on making a plan with clear directives for your executors and POA-holders about what to do in case your health (mental or physical) deteriorates.
Distributing your assets/legacy. Our professionals can support you in creating legally binding wills and ensuring the estate plan is in sync with the will.

Rest easy knowing you’re protected

Insurance Planning

If there’s one thing certain about life – it’s the uncertainty that living it brings. While you can strive your best to plan wisely and thoroughly, without a well thought out Insurance Plan, other facets of your financial plan could be exposed to unforeseen risks.

How we can help

Rather than seeing insurance as an ‘expense,’ we want you to see it as peace of mind. Our insurance planning services include:

Comprehensive review. We’ll review existing plans to ensure they continue to fit your needs. If you don’t have certain types of insurance, we will advise which plans make the best sense for you and your family.
Death-event security. If you have people that depend upon you for the long term, like your spouse/partner and minor children, we’ll advise on the right type of life insurance.
Disability and long-term care protection. Accidents can leave you severely disabled and financially stressed. We’ll help you insure against unexpected turn of events.
Insuring estate and succession plans. When structured correctly, insurance can be a great estate planning tool, especially when it comes to shielding your beneficiaries from paying taxes or fees. Business partners may also use insurance policies to aid in succession planning. We’ll help structure an insurance plan that makes sense for you.

How can we help?

Drop us a line If you have questions about your retirement, investments, education planning, or anything else regarding your financial health and happiness.