Estate & Tax Planning Reviews
ARA’s estate and tax planning services help high-net-worth families protect their legacy. Services include Roth conversion strategies, IRMAA reduction planning, trust and beneficiary reviews, probate avoidance, and coordination with estate attorneys. ARA partners with securities professionals and estate attorneys to deliver comprehensive plans under one roof.
“We refinanced our home in 2021 to get a lower rate and didn’t realize it took the house out of our trust. Kyle caught it during a routine review. If he hadn’t, our kids would have faced probate on a $900,000 property. That one catch was worth more than years of advisory fees.”
Estate PlanningTrust ReviewRefi Gap
“Marc built us a 5-year Roth conversion ladder that will save our family an estimated $340,000 in taxes. Our CPA confirmed the math and was impressed. He said most advisors don’t even think about multi-year conversion strategies.”
Roth ConversionTax StrategyCPA Validated
“We had beneficiary designations from 2003 that still listed people who had passed away. ARA audited every single account, life insurance policy, and retirement plan. They found seven that needed updating. Seven. Nobody else ever checked.”
Beneficiary AuditEstate Planning
“David connected us with an estate attorney and sat in on the meeting to make sure our financial plan and estate plan were aligned. Most advisors just say ‘go talk to a lawyer’ and send you on your own. ARA was at the table with us.”
Estate PlanningAttorney Coordination
“Our traditional IRAs were growing and we knew our kids would face a huge tax bill when they inherited. ARA showed us how to convert strategically over several years, staying below the IRMAA thresholds, so our children inherit tax-free Roth dollars instead. It’s the best gift we could give them.”
Roth ConversionLegacy PlanningIRMAA
When Was Your Estate Plan Last Reviewed?
Most families have at least one gap they don’t know about. A beneficiary audit takes 30 minutes and could save your family years of headaches.