Legacy & Wealth Transfer Planning
Defining Your Legacy
What do you want your wealth to represent?
Legacy planning goes beyond transferring assets—it’s about the meaning and impact of your wealth. Whether you want to provide for your children, support causes you care about, or foster good financial habits in future generations, we help you design a plan that reflects your values. Our goal is to ensure your wealth makes a lasting difference in the lives of those who matter most.
Strategies for Transferring Wealth
Smart, intentional planning for generational success
There are many ways to pass wealth to heirs efficiently and thoughtfully. Our advisors help you evaluate which tools and strategies align with your estate, tax, and philanthropic goals.
- Lifetime Gifting: Use annual gift exclusions and lifetime exemptions to reduce future estate tax exposure while helping loved ones now.
- Family Trusts: Trusts can manage timing and control of asset distribution while avoiding probate and protecting beneficiaries.
- Generation-Skipping Strategies: For high-net-worth families, specialized trusts can pass wealth to grandchildren while minimizing taxes.
- Insurance-Funded Transfers: Life insurance can provide liquidity to equalize inheritances or fund charitable legacies efficiently.
- Business Succession Planning:
If you own a business, we help structure your succession plan for a tax-efficient transfer.
These strategies are always coordinated with your tax, legal, and financial team to ensure your plan is both compliant and effective.
Charitable Giving Plans
Aligning generosity with your long-term strategy
Philanthropy can be a powerful part of your legacy. We help you explore options such as donor-advised funds, charitable remainder trusts, or even private foundations for large giving goals. Whether you’re giving during your lifetime or through your estate, charitable strategies can provide meaningful impact while also offering tax advantages. Your giving should reflect your values—and your overall financial plan.
Education and Communication
Preparing your heirs and preserving family harmony
An often-overlooked part of legacy planning is communication. We help you structure your plan in a way that’s clear, intentional, and—when appropriate—shared with family members. Some clients choose to involve adult children in planning conversations or use family meetings to pass on both wealth and wisdom. We can also help prepare the next generation with financial education resources, ensuring they’re ready to be good stewards of what you leave behind.
Keep It Current
Your legacy plan should grow with your life
Your family, financial picture, and the tax code all evolve—and your estate plan should, too. We periodically review your legacy and wealth transfer strategies to reflect changes in the law or your personal circumstances. Whether you’re welcoming a new family member, changing charitable priorities, or updating trust structures, we make sure your plan remains aligned with your intentions.
