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Service 06

Estate & Legacy
Planning

Trust structures and succession frameworks built to outlast you — proactively structured to ensure long-term wealth transfer aligns with your tax strategy and the overall financial architecture.

Estate planning is not a one-time document exercise. It is an ongoing strategy that evolves as your wealth, business, and family situation change. The clients who plan early leave something worth inheriting.

What’s Included

Structures built for generations.

I
Trust structures
Revocable and irrevocable trust design coordinated with your tax and estate goals — including asset protection trusts, SLATs, and dynasty trust frameworks.
II
Succession planning
Business succession frameworks built for continuity — not disruption. Structured years in advance, not weeks before a transition.
III
Charitable strategy
Philanthropic giving structures including DAFs, CRTs, and private foundations that serve legacy goals and reduce estate tax exposure.
IV
Buy-sell agreements
Business interest transfer agreements designed, funded, and executed with insurance and legal counsel aligned.
V
Estate tax minimization
Multi-generational wealth transfer frameworks built to preserve what you’ve built — using annual exclusions, GRATs, and valuation strategies.
VI
Multi-generational planning
Structures designed not just for your lifetime — but for the generation after, and the generation after that.
Integration

Estate planning connects every pillar.

Estate planning does not exist in isolation. At Fortitude, every estate plan is designed in coordination with your tax strategy, business advisory, and investment plan — because the most effective estate structures are built as part of an integrated financial system.

Tax Strategy Alignment
Estate decisions are evaluated for their income tax implications alongside estate tax impact — no siloed thinking.
Business Succession Coordination
Business transfer strategies are coordinated with entity structure, buy-sell agreements, and liquidity planning.
Legal Counsel Network
We work alongside specialist estate and tax attorneys to ensure structures are legally airtight and properly executed.
Common Questions

Frequently asked.

When should estate planning start?
Earlier than most people think. Wills, trusts, entity succession, and beneficiary alignment are cheapest and most effective while everything is calm. The clients who plan early keep options that late planners lose.
Does estate planning matter below the federal exemption?
Yes. Probate avoidance, incapacity planning, business succession, state-level estate taxes, and protecting heirs from their own inexperience apply regardless of whether federal estate tax is in play.
Do you draft legal documents?
We are not a law firm. We design the strategy, coordinate with qualified estate attorneys for drafting, and make sure the documents actually match your entity structure, titling, and beneficiary designations, which is where most plans quietly fail.
How does estate planning connect to my business?
For owners, the business is usually the largest estate asset. Buy-sell agreements, succession structure, and valuation planning have to be built while you are healthy and the business is growing, not after.

The clients who plan early
leave something worth inheriting.

Estate planning is most powerful when it starts before you need it. There is no better time than now.

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