The Total Estate Method

Our Total Estate planning process starts with you at the center. Financial security for you and your family is our first step. Then your goals, concerns and current situation is carefully analyzed by our team. If your current plan does not accomplish your wishes we’ll design the plan to do so. If action is needed to get things in order we’ll help you take action.

We develop opportunities for successful people to preserve and enhance
the value of what they have devoted their lifetimes to building.

Whether it be a substantial estate or a prospering business, we recognize the desire of our clients to maintain control and direction of their assets and enterprises. We understand the market pressures and governmental forces that threaten to undermine their worth and growth potential. We respect the personal nature of the decision making that must be done. We help preserve their right to determine the disposition of their wealth.

As a successful individual, you understand the effort involved in creating and maintaining personal wealth. Yet, you may not realize how quickly estate taxes could sweep a significant portion of this wealth away. Your assets typically can end up in one of three areas: your family, designated beneficiaries, or government.


An important component to any estate plan is gifting, which allows you to reduce the size of your taxable estate by impacting the wealth you have worked so hard to create for your family members.

Gifting enables you to take advantage of the substantial tax advantages available through the use of lifetime gifts. These gifts can be held by various entities, which allow you, the "grantor," to retain control over income from gifted assets.

Our goal is to use our specialized assessment methods and techniques to help you to:

  • Design and document a plan to ensure proper timing and amount of distributions to your chosen beneficiaries.
  • Provide sufficient income for a spouse or other dependents; take maximum advantage of annual and lifetime gift exclusions; establish gifting programs to transfer assets and provide financial security for children or grandchildren; establish charitable foundations.
  • Maximize your ability to give to charity while reducing taxes and potentially increasing current income.
  • Equalize distributions of estate and business interests between children working in the family business and those not active in the company; reduce or eliminate estate taxes.
  • Properly fund any remaining tax liability through the most efficient and cost-effective methods.

Charitable Planning

At a time when social responsibility has taken on increasing importance, charitable planning offers a strategic way for you to connect to causes that you and your family feel passionate about. Whether your aim is to develop a philanthropic legacy for your family, or simply to support your community, tax-favored planned aiding programs create ongoing opportunities to transfer family assets to public and/or private charities. These charities often include family foundations that are managed by family members, in which the family retains control over the gifted assets and access to income generated by these assets. Often, charitable planning provides a balance to estate and life insurance plans, while taking on personal meaning for you and your family. We offer creative solutions aimed to achieve your personal or familial philanthropic goals without interrupting your family's long-term financial possibilities.

Our Total Estate planning process can help you achieve the peace of mind that can only come from knowing your affairs are in order.