Services
Estate Planning
Protect what you've built. Pass on what you choose. Avoid the costly, common mistakes.
Because You Care
A good estate plan is more than a will. It's a coordinated set of documents and designations that ensures your assets go where you intend, with minimum delay, cost, and tax leakage — and that someone you trust can act on your behalf if you can't.
Done well, it's one of the most meaningful gifts you leave the people you love — clarity and confidence when they need it most.
The core documents
- Last will and testament — how probate assets are distributed
- Revocable living trust — where appropriate, to avoid probate and maintain privacy
- Durable power of attorney — someone to act on financial matters if you're incapacitated
- Healthcare directive / living will — your wishes for medical decisions
- HIPAA authorization — letting chosen family members access medical info
- Beneficiary designations — on every IRA, 401(k), life insurance policy, and TOD account
Our role
We don't draft legal documents — that's your estate attorney's job. What we do is make sure your financial life is aligned with your estate plan:
- Reviewing beneficiary designations (the #1 source of unintended disinheritance)
- Coordinating account titling with your trust structure
- Modeling estate tax exposure and planning strategies
- Introducing you to experienced estate attorneys if you don't have one
- Reviewing existing plans when life events change the picture — marriage, divorce, children, grandchildren, a move across state lines
The common mistakes we help prevent
- Outdated beneficiary designations (e.g., naming an ex-spouse on your 401(k))
- Trusts that are never funded
- Titling assets in ways that defeat the trust structure
- Ignoring state-specific issues when you move (e.g., to or from Tennessee)
- Surprises at tax time — both federal estate tax and state-level exposure
Ready to start your journey with Wilco?
It all starts with a conversation.