Probate costs, tax friction, and unstructured transfers silently erode the wealth you've spent a lifetime building. We find the gaps — and fix them.
No cost · No attorney required · 30–45 min
Risk Areas
Most families find these gaps only after settlement — during probate, or at the death of a spouse. By then, the window to fix them is closed.
Assets held in your name alone — real estate, bank accounts, investment accounts — go through probate at death. Probate is public, slow (12–24 months), and expensive (3–9% of gross estate value in California).
The federal exemption is set to be cut nearly in half after 2025. Estates near or above the threshold face 40% tax on the excess — but proper planning can significantly reduce or eliminate that exposure.
A trust is useless if your assets aren't titled into it. Real estate, brokerage accounts, and bank accounts commonly get left out — forcing probate even when a trust exists and a plan was paid for.
Divorce, remarriage, birth, death — beneficiary designations on IRAs, life insurance, and 401(k)s override your will. An ex-spouse on file gets the money regardless of what your documents say.
What We Do
We identify exposure, model alternatives, and coordinate with your licensed professionals to implement — start to finish.
Revocable and irrevocable trust strategies, beneficiary optimization, and asset titling — structured so your estate transfers cleanly without probate delay or public exposure.
Trusts • Titling • BeneficiariesAnnual gifting strategies, step-up basis planning, GRAT and SLAT structures for high-net-worth situations, and coordination with your CPA for implementation.
Gift Tax • Step-Up Basis • StructuresTitle structuring for primary residences, rentals, and vacation properties. Entity planning for investment portfolios. Strategies to preserve the step-up basis at death.
Title • LLC • Step-UpIRA beneficiary designation audit, Roth conversion analysis, inherited IRA strategy for your heirs — all aligned with your overall estate distribution plan.
IRA • Roth • BeneficiaryA clear-eyed review of your current structure, asset inventory, and risk exposure — delivered as an Exposure Report with prioritized action items and estimated savings.
Review • Report • Action PlanWe bridge the gap between your estate attorney and CPA. One person managing the full picture means fewer gaps, fewer surprises, and faster implementation from plan to done.
Attorney • CPA • ImplementationWhy Tax Free Estates
Most estate planning stops at the document. The real risk is in the gaps between what the attorney drafted and what actually got implemented.
Process
A three-phase approach that turns estate exposure into a protected, documented legacy.
We review your current documents, asset list, beneficiary designations, and how everything is titled. Most clients discover gaps they didn't know existed — this is where we find them and map the full picture.
You receive a written summary of risk areas — probate exposure, tax friction, titling gaps — with prioritized recommendations and estimated costs vs. savings. Clear. No jargon.
We coordinate directly with your estate attorney and CPA to implement the plan. We track what's done, what's pending, and follow up until everything is properly in place — not just recommended.
Client Perspectives
“We had a trust for years and thought we were covered. The review showed three accounts that were never retitled into it — they would have gone through probate. That single call saved my family months and tens of thousands.”
“My ex-wife was still the beneficiary on my IRA. It was the last thing I would have thought to check. The Exposure Report caught it immediately. I don't want to think about what would have happened otherwise.”
“They coordinated everything between our estate attorney and CPA so we didn't have to play telephone. The plan was implemented in six weeks. Worth every penny of peace of mind.”
“Straightforward, no jargon. They explained where we were exposed, what it would cost to fix, and what it would cost us if we didn't. Easy decision from there.”
FAQ
Most families don't know their exposure exists until it's too late. We find it before settlement does.
Clear, prioritized, no jargon. Risk areas, estimated savings, and next steps — delivered in writing.
We coordinate attorney and CPA until everything is in place. Not just recommended — done.
Most families leave this conversation relieved — either because they're already protected, or because now they know exactly what to fix and what it costs.
We do not provide tax, legal, or investment advice. All strategies discussed should be reviewed and implemented by licensed professionals.