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Generation Planning

For Singles

If you are single, then you are in in the majority. According to the most recent U.S. Census, over half of all adult Americans are single. Whether you just turned 18 or are 118, one thing you share is the need for essential estate planning. A planning challenge may be that the heirs of your choice may be non-traditional and go beyond your family and your tax options may be more limited.
Learn more about singles estate planning.

For Married Couples

Marriage comes with new rights and responsibilities. If you already had an estate plan created when you were single, then you must bring your estate plan up-to-date to reflect your spouse/partner. There are special inheritance plans provided to surviving spouses, which you would want to include, such as revised tax planning to take advantage of spousal tax credits and providing for your surviving spouse.
Learn more about married couples planning.

For Minor Children

Do you have a minor child(ren)? If so, then they are your most valuable treasure(s). So, what arrangements have you made for their care should something happen to you and their other parent? Your planning documents need to appoint a guardian for your minor children, including a possible trust to handle your assets meant for your children when they are minors. This is the core issue for this stage of your life and estate planning.
Learn more about arrangements for minor children.

For Blended Families

Whether due to the death of a spouse or through divorce, your remarriage results in a new kind of nuclear family called “blended families.” Blended families now outnumber traditional nuclear families. And based on current statistics and trends, that number is likely to grow. Your planning at this stage must be sensitive to the possible different needs of all family members.
Learn more about planning for blended families.

During Peak Earning Years

Are you between age 40 and 55? If so, then research shows that you are in your peak earning years and that is a very good thing. Therefore, estate planning is even more essential, as these earnings need to stretch through your retirement years.
Learn more about peak earning year planning.

For Nearing Retirement

Life is full of changes and as you near retirement, one must learn to adjust from a busy life, focused on work or running your business to turning to your personal interests, family pleasures, travel or even a new career. This is a new adventure and good planning can make it a successful transition.
Learn more about planning for nearing retirement.

Single Again

We pass through many phases in our lives: sometimes single, married and then single again. In the later years, especially filled with relationship changes, we may need to appoint agents for our decision making, surrogates to represent you in your affairs. Federal healthcare privacy law will not allow access to your medical records without written authority. Therefore, if can be vital for a single person to have an appointed representative.
Learn more about how to approach planning while single again.

For Retirement / Legacy

You have arrived. Just a moment ago you were Nearing Retirement. When did you get to this place in life so quickly? What do you need to do right now in preparation for that day? Your planning needs to address preserving income and assets for your lifetime support and may need to include long term care planning for the later retirement years. This is the era that you also plan for your heirs and your inheritance strategies.
Learn more about planning for your retirement legacy.

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