Estate Planning Services & Management

CentsAble Financial provides the estate planning tools you need to guide your loved ones and safeguard your legacy, allowing your wealth to have a direct and lasting impact.
You work hard to grow your wealth: let us help you preserve it wherever you may be in your financial journey, across both planned and unanticipated life events. If you own real estate, have retirement accounts, such as an IRA or 401k, or have insurance policies, then you most likely need an estate planner.
From foundational estate planning basics to intricate planning issues—such as complex assets (a business), complicated family situations (you and your spouse have children from a previous marriage), or other circumstances (special needs or medical issues)—our in-house estate lawyers work in concert with our financial advisors to help you prepare for countless life scenarios.

Questions We Can Help You Answer

Our estate planning services help answer key questions to help you achieve peace of mind:
  • How do I want to be remembered? How do I want my story to be told when I’m not here?
  • What makes up my taxable estate and how is my estate taxed?
  • What are the different types of trusts available? What is a living trust, and do I need one?
  • What is an advance health care directive? Should I appoint a health care proxy in case I can’t make medical decisions for myself?
  • Who should get my money and other assets when I’m gone? Should I have my beneficiary designations defined for my retirement accounts and life insurance policies?
  • Am I okay with the state deciding who gets my assets? Should I assign a durable power of attorney to someone I trust?
  • Who do I want to entrust my kids with when I’m gone or when something goes wrong? What can I do to ensure my children and loved ones are taken care of financially?
  • My child has special needs and will need specialized care for life. How can I ensure that my child is protected and can live a fulfilling life?

Estate Planning Made Easy and Seamless

From foundational estate planning basics to intricate planning issues—such as complex assets (a business), complicated family situations (you and your spouse have children from a previous marriage), or other circumstances (special needs or medical issues)—our in-house estate lawyers work in concert with our financial advisors to help you prepare for countless life scenarios.
On top of that, estate laws are complex and state laws differ from state to state. Most wealth management firms don’t have the resources or expertise to cover a large span of the country. It’s more likely that these firms will have expertise with a handful of states and will need to bring in another party to work with them.

Why We’re Different

At CentsAble Financial, you get in-house estate lawyers who work with our financial advisors to fulfill a singular goal: protect your loved ones and everything you have worked for. We can also work with your attorney and other service providers (like your accountant) as needed to deliver on your goals.
Since your advisory team already understands your financial goals, the process of drafting and updating an estate plan is seamless. Most importantly, our concierge services guide you through the process from start to finish.

We’ll guide you every step of the way

Your plan design reviewed

Next, you will have the opportunity to ask questions and approve your plan design. From there, your dedicated estate planning team will draft your documents and implement your estate plan.

Your needs identified

Once we’ve identified your estate planning needs, one of our in-house estate planning attorneys will join your advisor and their team to develop the strategy and design around your estate plan. The plan may include a trust, last will and testament, and financial and healthcare power of attorney where you can decide who administers your assets and healthcare decisions.

Your estate plan kept up to date

Because your estate plan is integrated into your comprehensive wealth management plan, you can rest assured that we’ll be proactive about keeping your assets properly titled and accounted for, and your estate plan documents current.

Estate Plan Included For Clients With $1.5 Million Or More With Us

We’re such firm believers in the importance of having an estate plan, that each CentsAble Financial client with more than $1.5 million in assets under our management receives a complimentary estate plan.
We know how time-consuming managing your estate can be, and we believe it is critical to view your entire financial picture to ensure you protect every aspect of your financial health—this is at the core of who we are.

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