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Why This Matters

Estate planning isn't about death — it's about control. Without documents in place, the state decides who manages your affairs if you're incapacitated, and who inherits your assets.

The conversation most people avoid is the one that matters most to their families. Your legacy is more than money; it's the values and wishes you leave behind.

📖 Learn more in "The Wealthy Mindset" →

Level 4 — Apex

Legacy Planning

Ensure your wishes are documented, your assets pass efficiently, and your legacy is protected.

✓ Cash Flow → ✓ Wealth → ✓ Risk → Legacy → Behavioral
← Back to Results
📊 From Your Financial Diagnostic

Strengths Found

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Areas to Address

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These tools help you identify what's in place and what still needs attention.

Estate Planning Readiness Assessment

Check off documents you have in place. We'll identify gaps and prioritize next steps.

Document Checklist

Check each document you have current and in place.

Readiness Score
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Check off documents above to see your action items.

Prioritized Action Items

Estate Tax Exposure Estimator

Estimate federal and state estate taxes based on your net worth

Estimated Net Worth
State of Residence

Most states have no estate tax. Only states with estate taxes are listed.

Marital Status

Married couples can use portability to double the federal exemption.

Tax Calculation

Item Amount
Gross Estate $0
Federal Exemption (2026) -$0
Federal Taxable Estate $0
Federal Estate Tax (40%) $0
State Estate Tax (--, threshold $0) $0
Total Estate Tax $0
Net to Heirs $0 (100%)
Analysis: Adjust inputs to see your estate tax exposure.

Beneficiary Audit

Review all accounts with beneficiary designations. These pass outside your will.

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Retirement Accounts

Insurance & Annuities

Bank & Investment Accounts

Note: Check off each account as you verify the beneficiary designation is current and aligned with your wishes.

Common Beneficiary Mistakes to Avoid

  • Naming your estate as beneficiary (forces assets through probate)
  • Forgetting to update after divorce or remarriage
  • Naming minors directly (they can't receive assets)
  • Not naming contingent beneficiaries
  • Beneficiary designations conflicting with your will's intentions

What These Tools Can't Do

  • Estate planning documents require an attorney. These tools identify what's needed — they don't replace legal counsel.
  • Trust strategy (revocable vs. irrevocable, when to use each, how to fund them) depends on your specific asset structure and goals.
  • Beneficiary designation coordination across all accounts is one of the most commonly overlooked planning tasks — and one of the most consequential.
Explore Advanced Tools →

Disclaimer: This information is for educational purposes only and does not constitute legal or tax advice. Estate tax laws change frequently. Consult a qualified estate planning attorney and tax professional for personalized guidance.

← Level 3: Risk
Level 4 Complete
Legacy Planning ✓
Continue to Behavioral →

You've covered all four levels of your Financial Pyramid. Now explore your Behavioral Profile to understand the habits and biases that shape your financial decisions — and how to work with them, not against them.

Compare planning tiers Learn about Advanced Plan