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Estate Plan Program

What is the Estate Plan Pro?

Our Estate Plan Pro technology is specifically developed to make estate planning quick, easy, and affordable. Our Revocable Living Trust is part of a package with dozens of customization features to create a Comprehensive Estate Plan Portfolio designed by you to fit your needs.

No more waiting weeks for your completed Estate Plan documents. Our unique technology allows you to complete your documents quickly and easily in the comfort of your home at your computer. You can download your complete plan including your Will and Revocable Living Trust in a matter of minutes after you finish. 

Your Estate Plan Portfolio also includes an encrypted document vault "in the cloud" which serves as a secure online document safety deposit box. Your vault provides convenient 24/7 access to a repository for your important documents. You can remove or add documents, and share documents with important advisors and loved ones.

The Estate Plan Portfolio will give you peace of mind knowing that you are in control of the important decisions at life’s end. Decisions that without adequate planning will be left to chance, lead to unnecessary expenses, and unfortunate hardship on those you leave behind.

A complete Estate Plan Portfolio including:

-Revocable Living Trust
   - Optional Sub-trust for Child(ren)
   - Income Only Beneficiary Option
   - IRA "Look-Through" Provisions
   - Spendthrift Protections
-Last Will & Testament ("Pour-Over Will")
-Certificate of Trust
-Financial Power of Attorney
-Healthcare Power of Attorney
-Living Will & Advance Directives
-Online Funding Kit

How It Works

Estate Plan Portfolio

The Estate Plan Portfolio gives you a 21st Century solution for your estate planning needs. The peace of mind you will experience after you have completed the process is priceless. Don’t delay, take charge of your life today!

Documents & Features Included:

Revocable Living Trust

  • The Revocable Living Trust is the centerpiece of your Estate Planning Portfolio.
  • The trust is completely under your control. As the name implies, your trust is fully revocable while you are alive. You may alter, amend (in whole or in part), or even revoke your trust at any time. You can transfer your assets back out of your trust just as easily as you can transfer your assets into your Trust.
  • The person who manages the Trust is called the Trustee (in most cases you are the Trustee initially). After your passing, the successor Trustee you appointed can manage and distribute assets to the beneficiaries of the Trust.
  • If you have children (even grown kids) you have the option of creating a sub-trust to hold their assets until they reach a certain age or split distributions over time at three different ages. This prevents a potentially immature young adult from receiving a windfall that might cause more damage than good. You can even allow early withdrawal for educational expenses, first home, wedding or even a business.
  • You can even stipulate certain beneficiaries as "income only", and prevent them from getting a "lump sum" distribution and allow them only to draw and income for education, maintenance and support.

Durable Powers of Attorney (DPA)

  • "Durable" means that the appointment of the power will "endure" even after your incapacitation.
  • A Power of Attorney will give your appointed agent the power to make certain decisions on your behalf when you are unable to do so.

Durable Financial Power of Attorney

    • This document appoints an agent(s) to perform financial decisions regarding any assets not funded into your Trust at the time of your legal incapacitation. (For assets already funded into the Trust, the Trustee already has this authority.)
    • Not only do you get to decide who makes financial decisions on your behalf, you also protect your privacy and save money by avoiding expensive court and legal fees.
    • Having a Durable Financial Power of Attorney will help avoid a court-supervised guardianship/conservatorship in the event of legal incapacitation where all finances become a matter of public record.

Durable Power of Attorney for Healthcare

    • This document allows your appointed agent(s) to make important health care decisions for you in the event of your incapacitation.
    • In conjunction with your Living Will, your agent can make all important healthcare decisions, including the continuation of life support systems.

Durable Agent Notice

    • The Durable Agent Notice serves to notify, in writing "to whom it concern" that your agent has accepted the appointment and will carry out such duties.

Living Will & Advanced Medical Directives

  • Living Will and Advanced Health Care Directives allow you to determine how you want medical care administered if you have a terminal illness or are in a comatose state.
  • If such a condition should happen to you, these instruments will serve to give notice to medical professionals your wishes (such as if you desire whether or not to be kept alive by artificial means).
  • Your Living Will agents are also considered to be the guardian of your person. In most cases, your Advanced Health Care Directive can take the place of a Living Will.
  • Many healthcare providers require a Durable Power of Attorney for Healthcare in conjunction with a Living Will to carry out the decrees of a Living Will. It is important that your agents for your Durable Power of Attorney for Healthcare are the same as your Living Will. (Both documents are included in your comprehensive estate plan.)

Durable HIPPA Statement

    • The Durable HIPPA Statement grants an exception to the privacy restrictions of the HIPPA law to allow for personal information to be provided to the Agents you have appointed so they can make an informed decision regarding your medical care.

Last Will & Testament “Pour Over Will”

  • The Last Will and Testament included in your document set is better described as a "Pour-Over Will". It is used in conjunction with a Revocable Living Trust and its primary function is to convey everything you have forgotten to fund into the trust prior to your death (hence "pour-over").
  • Please note that unless your remaining assets are minimal in value, all non-trust (un-funded) assets must go through probate first. So be sure to use the Comprehensive Funding Kit (below) to keep your asset funding up-to-date.
  • In addition, you may appoint guardians for your minor or disabled adult dependents so you can be assured who will take custody.

Comprehensive Asset Funding Kit

  • Your Trust is like an empty basket. You must fill this basket with your assets by transferring them into the Trust. This process is called "Funding".
  • To avoid probate, its vital to fully fund your trust once completed, so we have developed our exclusive Funding Kit to help you through the process of moving your assets into the Trust, (called "Funding"). 
  • The Funding Kit provides detailed instructions on nearly every possible type of asset and how you can fund it into your Trust.

Transmittal Letters (for Funding, Retitlement & Beneficiary Changes)

  • Our system will generate funding letters for each of your assets for you, just follow the guide.
  • Retitlement letters can be mailed to respective agencies (transfer agents) for transfer of title.
  • Beneficiary letters allow you to mail to respective agencies a change of beneficiary of your various assets.
  • There are other documents also included for other functions.
  • 24/7 access to the Comprehensive Funding Kit: The key is to get organized, and make a list of your assets. Don't worry if you do not have everything ready at once. You can login at any time to continue the process and continue where you left off!
  • Keep your trust up-to-date at no additional charge. When new assets are sold or acquired; log back in to update your funding. Unlike other solutions there is no "change fees", as long as your account is active you can log in and access all the features.

Certificate of Trust

  • The Certificate of Trust is primarily for providing evidence to a transfer agent (brokers, bankers, account managers etc.) about certain facts concerning your trust.
  • This document helps protect your privacy by not disclosing the full details of your trust when funding assets into your trust.

Maintain Your Property's "Character"

  • Asset Schedules are provided to list your titled assets.
  • Your property will retain its "character", whether it is jointly owned or separately owned, asset schedules are provided so you can identify each asset and classify it properly.
  • The Asset Accounting Ledgers are to be used by the Trustee (usually the surviving spouse) to designate assets as portioned or held on account to each respective sub trust for record keeping.

On-Line Features:

Personal Password Protected Web Account

  • Provides 24/7 access to ALL your documents and all the following on-line functions:

Personalized “Check-the-box” and Text Entry Distribution Options

  • You can personalize your documents through a simple "check the box" to add or delete items from your document set.

Document Vault

  • The Document Vault provides an easy-to-use resource for yourself, your family, and beneficiaries to find your important documents.
  • Secure online storage of important documents that you, your family, and trusted individuals can access anywhere in the world in case of emergency. 
  • Quickly access your documents when traveling or on weekends to make them available to emergency healthcare workers (such as your Health Care DPA, Living Will, and vital personal medical information such as medications, allergies, and other important data).

No Change Fees - An Estate Plan that Updates With You!

  • Unlike other solutions we do not have any "change fees", as long as your account is active you can log in and access all the features.
  • Keep your trust up-to-date at no additional charge.
  • When new assets are sold or acquired; log back in to update your funding kit.
  • You can even restate your entire Trust and update it with new details such as adding or removing beneficiaries, or when you move to a new state.

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