Estate Planning
Everyone has an estate, and thoughtful planning is essential to protecting the people and priorities that matter most. Estate planning goes far beyond wealth transfer—it includes guardianship decisions, asset protection, efficient wealth distribution, charitable giving strategies, tax planning, and preserving your legacy for future generations. With the guidance of an experienced financial advisor and estate planning professional, you can create a clear, strategic plan that provides confidence, minimizes unnecessary complications, and ensures you and your loved ones are protected for years to come.
Estate
Planning
Everyone has an estate. The question is whether it's been planned — or left to chance. We help you protect what you've built, pass it to the right people, and do it with as little tax and legal friction as possible.
an Estate.
Whether you own a home, hold investment accounts, have life insurance, or simply want to ensure your wishes are honored — you have an estate. And without a plan, the state decides what happens to it.
A knowledgeable estate planning advisor works to limit estate tax issues and costly probate court fees while protecting the people and things you hold dear. That means ensuring correct asset titling, proper beneficiary designations, and a clear flow of assets to your intended heirs.
Beyond the basics, experienced estate planning unlocks unique gifting strategies, incapacity planning, and intra-family transfer techniques that most advisors simply aren't equipped to navigate. This is where Boyer Financial Services' CERTIFIED FINANCIAL PLANNER™ professionals make a meaningful difference.
Someone Else Makes One
Dying without an estate plan — or with an outdated one — can mean probate court, unintended heirs, unnecessary taxes, and family conflict. The cost of not planning is always greater than the cost of planning well. Here's what a comprehensive estate plan actually protects.
Real estate, investment accounts, business interests, retirement accounts, vehicles, collectibles — everything you own needs a clear plan for how it transfers at death. Without one, assets can end up in probate for months or years, eroding value and creating family conflict.
If you have minor children, an estate plan designates a guardian. If you have a spouse or aging parents who depend on your income, it ensures they're provided for. If you have a blended family or complex relationships, it ensures your intentions — not default rules — govern the outcome.
Estate planning isn't just about money — it's about what you stand for. Charitable giving, family heirlooms, instructions for your business, messages to your heirs — a thoughtful estate plan captures all of it and ensures your legacy is carried forward exactly as you intend.
Federal estate taxes can apply to estates above the exemption threshold — and that exemption is scheduled to be cut nearly in half after 2025 under current law. Proactive planning now can mean the difference between your heirs receiving your full estate and losing a significant portion to taxes.
Estate planning isn't only about death. A healthcare proxy, durable power of attorney, and living will ensure that if you become incapacitated, the right people can make decisions on your behalf — and that those decisions align with your wishes, not a court's assumptions.
If you own a business, your estate plan must address what happens to it. Without a succession or transfer plan integrated into your estate documents, your company could be forced into a fire sale, dissolved, or transferred to unintended parties at precisely the wrong moment.
Evaluate for Every Client
The following considerations are what Boyer Financial Services' CERTIFIED FINANCIAL PLANNER™ professionals may utilize based on each client's unique needs and goals. Not every strategy applies to every client — but every client deserves to have all of them evaluated.
in Estate Planning
Not every financial advisor is equipped to navigate the complexity of estate planning. Boyer Financial Services' CERTIFIED FINANCIAL PLANNER™ professionals have completed rigorous education and examination requirements specifically covering estate planning — including tax law, trust structures, gifting strategies, and advanced transfer techniques.
This means we don't just refer you to an estate attorney and walk away. We actively participate in the planning process — identifying opportunities, modeling scenarios, coordinating with your legal counsel, and ensuring your financial plan and estate plan work together as a unified whole.
CFP® curriculum covers estate planning law, taxation, trust structures, gifting, and advanced transfer techniques in depth — far beyond what a general financial advisor is required to know.
We work alongside your estate attorney to ensure your financial accounts, beneficiary designations, and investment strategy align perfectly with your legal documents — closing gaps that can otherwise be costly.
Tax law changes — the estate tax exemption, SECURE Act provisions, state-level rules — can make a well-drafted plan outdated. We monitor these changes and alert you when your plan needs to be revisited.
Process
Estate planning is not a one-time transaction — it's an ongoing discipline. Our process is designed to evaluate your full picture, identify the gaps, and build a plan that evolves with your life.
We start by cataloging your assets, liabilities, account structures, beneficiary designations, and any existing estate documents — identifying immediately what's working and what's not.
We evaluate your estate against current tax law, your family situation, and your long-term goals — then present a clear picture of your exposure and the strategies available to address it.
We coordinate with your estate attorney, CPA, and other advisors to ensure every document, account title, and beneficiary designation reflects your plan — not default rules or outdated instructions.
Life changes. Tax law changes. Your estate plan must keep pace. We build regular estate planning reviews into our ongoing advisory relationship so nothing falls through the cracks.
Protect What
You've Built.
An estate plan isn't just for the wealthy — it's for anyone who cares about what happens to their family, their assets, and their legacy. Let's start the conversation today.
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