Service
Estate Planning & Insurance
When insurance is needed, we keep it in-house.
We don't push insurance. We don't refer you to a commission-hunting outside rep, either. When a second-to-die or an ILIT is the right fit, we place it through our in-house license, so the structure stays coordinated with the rest of your plan.
The insurance question, answered honestly
Structured to protect what it's meant to.
No quota. No upsell. No policy you didn’t need, and the disclosure is on every engagement letter, in writing, before anything is placed.
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What we do
Estate planning coordinated with your attorney: trust funding, beneficiary review, generation-skipping considerations, ILIT structuring. Insurance placed in-house only when the strategy genuinely calls for it: second-to-die policies for estate liquidity, term coverage through your peak earning years, key-person and buy-sell funding for business owners. No quota. No upsell. No policy you didn't need.
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How it works
We start where most reviews never do: with your existing documents and contracts. Many haven't been opened in five-plus years and no longer match your life. We find the gaps, coordinate with your attorney on the updates, and place any coverage that's actually warranted through our own license, so the structure stays coordinated with the plan instead of scattered across three vendors.
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The insurance question, answered honestly
Here's the tension every fee-based firm dances around: what happens when a client genuinely needs insurance? Most send you to an outside rep hunting a commission. We'd rather keep it in-house, placed transparently, disclosed on the engagement letter, coordinated with everything else we're doing. It comes up a few times a year, never on a quota. When it's the right tool, we say so. When it isn't, we say that too.
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Coordinating with your attorney
We don't draft trusts. Your attorney does. What we do is make sure the documents and the money actually line up: the trust funded, the beneficiaries current, the ILIT structured to do its job. If you don't have an estate attorney, we'll introduce you to one in your state. The planning only works when the legal work and the financial work are pointed at the same goal.
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Who it's for
Families with estate values approaching the federal exemption. Business owners whose estate liquidity hinges on a sale or a buy-sell agreement. And anyone whose insurance was sold to them a decade ago and hasn't been looked at since, because that policy is either doing a job or quietly costing you, and it's worth knowing which.
Common questions
Do you draft trusts?
No. Estate documents are drafted by your attorney; we coordinate the planning and the funding. If you don't have an attorney, we can introduce you to one in your state.
Aren't you 'fee-only' if you place insurance?
We position as advice-first and fee-based on assets we manage. When insurance is genuinely needed, we place it in-house rather than send a client to a third-party rep hunting the commission. The disclosure is on every engagement letter.
Will you review my existing policies?
Yes. That's usually the first conversation. Most policies sold ten-plus years ago don't match the holder's current situation; sometimes the right move is to keep them, sometimes to restructure.
Related
Adjacent work that often runs alongside this.
Service
Retirement Income Planning →
Income that shows up whether the market is up or down.
Service
Business-Owner Planning →
The playbook your CPA isn't writing for you.
Strategy
Roth Conversion Offset →
Pair the conversion with strategies that recover most of the tax cost.
Strategy
Business-Owner Tax Plays →
From family-management LLCs to Roth-401(k) ownership structures.
Most clients leave their first call with something their last advisor never gave them: a plan.
Thirty minutes. No prep needed. We'll walk through your situation and tell you what we'd do differently.