Estate Planning | Wealth Management | Financial Planning

Estate Planning in Brighton, NY

Creating a Clear Plan for Your Assets and Wishes

Estate planning is about more than distributing assets—it’s about ensuring your wishes are clearly defined and carried out. We help you organize your financial affairs and develop a strategy that reflects your values, prepares your family for unexpected events , and provides clarity during important life transitions.

Preserving Wealth and Minimizing Future Burdens

A well-structured estate plan can help reduce potential taxes, avoid unnecessary delays, and streamline the transfer of assets. We guide you through strategies designed to preserve your wealth and maximize what is passed on to future generations.

A Collaborative and Personalized Planning Process

We take the time to understand your family dynamics and long-term intentions. When appropriate, we work alongside estate attorneys and other professionals to help ensure your plan is properly structured and executed.

Estate Planning FAQs

Do I need an estate plan?

Yes. Estate planning helps ensure your assets are distributed according to your wishes, your loved ones are cared for, and important decisions are clearly documented. It’s a key part of financial planning for individuals and families at many income levels—not just the wealthy.

How often should I update my estate plan?

We recommend reviewing your estate plan every 3–5 years or after major life events such as marriage, divorce, a new child, or significant financial changes. Regular updates help ensure your plan reflects your current goals and circumstances.

How can I reduce estate taxes legally?

Strategies such as lifetime gifting, trusts*, and proper beneficiary designations may help reduce estate taxes, depending on your situation. We take a coordinated approach with tax and legal professionals to help ensure your plan remains efficient and compliant.

What documents should I store and where?

Key documents include your will, trust, powers of attorney, healthcare directives, and insurance policies. These should be stored in a secure location like a fireproof safe, with trusted individuals aware of how to access them when needed.

How do I plan for long-term care in my estate plan?

Long-term care planning often includes setting aside assets or exploring insurance solutions to help cover future care costs. Integrating this into your estate plan can help safeguard your assets and reduce the burden on your family.

*LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial. They also have access to non affiliated third parties that specialize in creating trusts and wills for use by LPL advisor’s clients.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.

jenn.moss@lpl.com | (585) 380-1099