Legacy work begins long before any of it is needed. We help you decide what you want to leave, to whom, and in what form, and we help you structure your accounts, so the transfer can happen cleanly and at the lowest practical tax cost to heirs.
Households planning their legacy
Clients who want a clear picture of what passes to children and grandchildren, with the right beneficiaries on the right accounts and the tax position set up to favor the heirs.
Recent widows and widowers, including those who came in for the first time in the weeks after a spouse passed and who are currently working through the settlement.
Adult children of long-tenured clients who are settling a parent’s estate and need help with assets they did not know existed.
Estate settlement by people who know you
Most practices route survivors to a new contact, or hand the settlement work off entirely. Here, it stays with the team — the same people who know the household and the accounts.
That includes assets we do not manage. When paperwork turns up from other institutions, the team helps make the calls, works through the unfamiliar processes and stays with the surviving household member until the estate is closed.
Frequently asked
The work begins after a household member passes and includes locating accounts and policies, contacting custodians and insurance carriers, retitling assets in line with the will or trust, coordinating with the attorney on probate or trust administration, and walking the surviving spouse or executor through paperwork they have rarely or never seen before. The practice’s Client Relationship Manager leads this work, including for accounts held outside our custodian.
No. Legal documents are drafted and updated by the household’s estate attorney, who is the right professional for that work. We coordinate with the attorney on how the documents and the account titling fit together, and we recommend a referral when a household needs to retain one.
Yes. When a settlement involves accounts at other custodians or insurance carriers, our Client Relationship Manager helps make the calls, manages the paperwork, and stays with the surviving spouse or executor until the assets are reachable. The work does not stop at the boundary of where the assets sit.
The right structure depends on who is inheriting, the heirs’ tax position, and what the household wants the asset to do once it arrives. Pre-tax IRA balances often pass less efficiently than Roth balances under current rules; trust beneficiary structures introduce additional considerations. We work through the structure account by account and revisit it when the law or the family changes.
Earlier than most households think. The beneficiary review and the conversation about what “legacy” means to the household are both worth doing well before they are urgent. The settlement work, when it is needed, is needed quickly; planning that has been in place for years makes the settlement much easier than planning that has not.
Neither Three Points Wealth Planners nor &Partners renders legal or tax advice. Please consult your tax or legal advisors before taking any action that may have tax consequences.
