The Final Handoff: Protecting Your Life’s Work
Estate planning isn’t just about documents; it’s about people. We help you move beyond a simple “to-do” list to create a plan that protects your spouse, simplifies things for your kids, and ensures your intentions are followed exactly as you imagined.
The Big Picture
Defining Your Two Legacies:
We believe every person leaves behind two types of legacy: a financial legacy and a memory legacy. While money is often spent quickly, the memories you create, like a family trip or a tradition, can last forever.
Our approach is designed to handle the heavy lifting of the financial side so you are free to focus on the memories. We coordinate the “math” of your accounts with the language of your legal documents, ensuring that your transition from “owner” to “provider” is seamless.
Legacy Guard
Your hard-earned savings are shielded from the 10-year tax trap, ensuring your children inherit a harvest, not a tax bill.
The “Inheritance Tax Trap”
Protecting Your Kids from a Tax Time Bomb
Many families are unaware that the rules for inheriting money have changed. Thanks to the SECURE Act, most non-spouse heirs (like children or grandchildren) now only have 10 years to pay the taxes on an inherited IRA.
If your children inherit a large account during their highest-earning years, they could lose a massive chunk of their inheritance to taxes. We look for ways to “clean up” these tax liabilities now, using strategies like Roth conversions, so your family gets to keep more of the harvest you worked so hard to grow.
How We Check the Health of Your Estate
More Than a Set-and-Forget Document
Life changes, and your plan should too. We provide a Legacy Diagnostic to make sure your strategy is up to date and actually works when it’s needed most.
Spousal Protection
Ensuring a surviving spouse doesn’t face a sudden drop in income when one Social Security Check stops.
Asset Coordination
Checking that your bank accounts and insurance policies have the right beneficiaries listed so they don’t get stuck in probate court.
Proactive Oversight
Identifying potential legal or tax “leaks” before they become a headache of your heirs.
Our Strategic Legal Partner
Bangerter Law
A precise financial plan needs a solid legal foundation. To make sure the legal side of your estate is as accurate as the financial side, we partner with Braden Bangerter at Bangerter Law.
We act as the “head coach” for the process, gathering the financial data and strategy, while Braden ensures your legal documents are drafted to reflect those goals. This partnership allows us to offer a higher standard of care, giving you the confidence that every piece of your legacy is built to endure.
Our Services
Comprehensive Planning for Every Aspect of Your Life
Investment Management
Growth and preservation strategies tailored to your risk tolerance.
Present & Future Tax Planning
Proactive strategies to keep more of your hard-earned money.
Estate & Legacy Preparation
Ensuring your wealth passes to your loved ones exactly how you intend.
Comprehensive Income Planning
Structuring your investments and Social Security into a cohesive plan that ensures your income lasts as long as you do.
Health & Longevity Protection
Strategies for Medicare, spousal coverage, and long-term care to protect your retirement savings from rising health costs.
Ready to Get Started?
Schedule a no-cost consultation to discuss your financial health.