Totus Wealth Management: A Unique Approach to Your Wealth

Estate Planning

Protect Your Legacy: Estate Planning and Management

No financial plan is truly comprehensive without effective estate planning. Let us help you protect and safeguard your legacy’s full potential so it can last for years and generations to come. Protect your assets and ease the burden left on your loved ones. Let’s make a plan, together.

Navigate Complex Estate Planning Issues

The estate planning specialists at Totus Wealth Management are highly experienced and take a personalized, detailed approach to every estate plan. Your specific circumstances are unique, and instances involving complex assets, complex family situations, medical issues or other complicated conditions require a knowledgeable, experienced perspective. We’ll work closely with you and your legal and tax advisors to develop a comprehensive plan to prepare for the complex, the inevitable and the unexpected.

Estate Planning for Today and Tomorrow

Proper estate planning can ensure your loved ones are taken care of down the road, but it can also give you confidence for today, as we’ll help you answer key questions that might otherwise keep you up at night.

Taxes

How can I mitigate the impact of taxes on my estate as it passes to my loved ones? What is taxable and what is not?

Trusts

What do I need to know about trusts, and should I have one? What kind?

Health Care

What health care concerns should I include in my estate planning? Do I need a proxy? An advance healthcare directive?

Power of Attorney

Do I need to assign a power of attorney? And to whom?

Beneficiaries

What will happen to my underage children if something happens to me? And how can I make sure their financial needs are met?

Dependents

How can I protect and provide for my special needs child?

Our Comprehensive Estate Planning Process

Discovery: Identify Your Estate Planning Needs

Once we’ve gathered all the necessary information through our in-depth discovery process, we’ll work closely with your estate planning attorney to develop your legal strategy and a detailed estate plan. This can include your last will and testament, a trust, financial power of attorney and healthcare power of attorney, as well as any advance directives.

Design: Design and Review Your Plan

Once we’ve identified your estate planning needs and devised your estate plan, we’ll review your plan with you in detail, answer your questions and make any necessary adjustments to suit your preferences. Then, we’ll work with your attorney to draft your documents and prepare your estate plan for implementation ensuring that your wishes will be kept.

Maintenance: Keep Your Estate Plans Current

As a Totus client, your custom estate plan is an integral part of your overall, holistic wealth management plan. For this reason, you can trust that we will be vigilant about keeping your estate planning documents up-to-date to reflect the latest changes, ensuring that everything is properly referenced and included.

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Frequently Asked Questions About Estate Planning

Estate planning is about more than deciding who receives what. Below are questions that clients often ask when exploring how estate planning fits into their broader wealth management strategy and why it matters.

Why is estate planning important?

Estate planning helps clarify how your assets, responsibilities, and wishes should be handled if you become incapacitated or pass away. A thoughtful estate plan can help protect loved ones, reduce confusion, support wealth transfer goals, and bring more confidence to important family decisions.

Do I need an estate plan if I am not wealthy?

Yes. Estate planning is not only for wealthy families. If you own property, have financial accounts, care for dependents, want to name beneficiaries, or want someone to make decisions if you cannot, an estate plan can help document your wishes and provide direction for the people you trust.

What should be included in an estate plan?

An estate plan may include a will, trust, beneficiary designations, financial power of attorney, healthcare power of attorney, advance healthcare directive, and planning for taxes, dependents, and asset transfer. The exact documents depend on your family, assets, goals, and legal needs.

How does Totus support estate planning?

Totus helps clients think through estate planning as part of a broader financial plan. We work with clients and their legal and tax professionals to help align estate planning decisions with wealth management, family needs, tax considerations, and long-term legacy goals.

How often should I update my estate plan?

An estate plan should be reviewed after major life changes and periodically over time. Marriage, divorce, birth of a child, death of a loved one, changes in wealth, business ownership, tax law updates, or a move to another state can all create reasons to revisit your plan.

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