Estate Planning

Conventional Estate Planning focuses on death planning. It is tax-driven, and oftentimes results in complex documents that are confusing and hard to understand. It starts with “What” and “How” but not the “Why” of Estate Planning.

Does this sound familiar to you?

  • Do I need Estate planning?
  • What exactly is estate planning?
  • Those estate planning documents are so complicated and hard to understand!
  • What exactly does a family trust do for me?
  • The changing estate and income tax laws are so confusing that I don’t know how I should plan my estate around them.
  • I have my family living trust done and put away and I’ve never looked at it again.

Estate Planning should be about your legacy. It is about people you love, causes you care about, and when you would like to see the impact -- not just after your death. It should start with “Why”; your life experience, your values, and your desired outcome.

Estate Planning with High Valley Financial addresses the above issues and more, and never starts with a tax discussion.

  • The discussion begins with your values, what you believe in, what you care about, and how you would like to leave your legacy, described in your own words.
  • We examine your various assets and how they are held.
  • Something as simple as a title change can affect the outcome of how your asset flows when a life event occurs.

  • We project your net worth at the end of your plan and estimate the impact you may have according to your wishes.
  • We run illustrations in multiple iterations until we arrive at your optimum impact
  • Certain estate planning tools may be used based on the strategy, such as Revocable Living Trust, Irrevocable Trust, Life Insurance, and Irrevocable Life Insurance Trusts, etc.
  • Review when needed or at least every three years
  • Estate Planning documents and strategies should be reviewed whenever there is a change in your circumstances or your family. It needs constant review and update.

Registered Representative, Securities and Investment Advisory Services offered through Cambridge Investment Research, Inc., a Broker/Dealer, member FINRA/SIPC to residents of CA and WA. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. High Valley Financial Planning Services and Cambridge Investment Research, Inc. are not affiliated. Check out my background on FINRA's BrokerCheck.