{"id":4068,"date":"2019-11-01T23:46:00","date_gmt":"2019-11-01T23:46:00","guid":{"rendered":"https:\/\/fusionwm.com\/?p=4068"},"modified":"2023-01-17T16:30:28","modified_gmt":"2023-01-17T16:30:28","slug":"heres-why-you-may-need-to-update-your-estate-plan","status":"publish","type":"post","link":"https:\/\/fusionwm.com\/heres-why-you-may-need-to-update-your-estate-plan\/","title":{"rendered":"Here\u2019s Why You May Need to Update Your Estate Plan"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"376\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-5.54.39-PM-1024x376.jpg\" alt=\"\" class=\"wp-image-4074\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-5.54.39-PM-1024x376.jpg 1024w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-5.54.39-PM-300x110.jpg 300w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-5.54.39-PM-768x282.jpg 768w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-5.54.39-PM-1536x564.jpg 1536w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-5.54.39-PM.jpg 1836w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Estate planning\u2014the process for how you transfer your wealth to heirs and others\u2014can be very important for anyone who wants to be certain that their loved ones are adequately provided for and taken care of. When done well, estate planning aims both to allow you to pass on your assets as you see fit, and to minimize the state and federal tax bite that often accompanies the transfer of significant wealth.<\/p>\n\n\n\n<p>Even if you are not subject to estate taxes or don\u2019t have family, estate planning can potentially enable you to decide which people and charitable organizations will receive your wealth at your death. Failing to plan can mean that you will let the government make those decisions\u2014and we find that few people are fond of that choice!<\/p>\n\n\n\n<p>But if you think that your current estate plan is up to those tasks, you might want to think again. Here\u2019s why your estate plan may need to be refreshed\u2014and some ideas on how to do it the smart way.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Estate plans are common<\/h1>\n\n\n\n<p>First, some good news: Most people with significant wealth have done some estate planning. Eight out of ten affluent individuals (those with investable assets of $500,000 or more) in one survey by AES Nation had estate plans in place (see Exhibit 1).\u00a0<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"266\" height=\"300\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-100-266x300.png\" alt=\"\" class=\"wp-image-4069\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-100-266x300.png 266w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-100.png 378w\" sizes=\"(max-width: 266px) 100vw, 266px\" \/><\/figure><\/div>\n\n\n<p>In that survey, an estate plan could be anything from a will to a fully comprehensive plan. Having at least a will in place should help your loved ones avoid a great deal of problems and stress when you pass on.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Most estate plans are old\u2014and potentially outdated<\/h1>\n\n\n\n<p>Here\u2019s the less sanguine news: Even if you have an estate plan, you may not be nearly as well prepared as you think you are for transferring wealth according to your wishes.<\/p>\n\n\n\n<p>One major reason: More than half of the estate plans these affluent individuals have in place are more than three years old, according to AES Nation (see Exhibit 2).<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"243\" height=\"300\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-101-243x300.png\" alt=\"\" class=\"wp-image-4070\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-101-243x300.png 243w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-101.png 378w\" sizes=\"(max-width: 243px) 100vw, 243px\" \/><\/figure><\/div>\n\n\n<p>Here\u2019s why that\u2019s a big deal\u2014one that should raise a red flag that your plan could be outdated:<\/p>\n\n\n\n<ul><li>Continual changes in tax laws mean that older estate plans may not take full advantage of current opportunities to transfer assets optimally.*<\/li><li>Tax law changes also could mean that some aspects of an older estate plan are no longer effective.*<\/li><li>Changes in your wealth status mean that your estate plan may no longer accurately reflect your financial situation\u2014and your future needs and goals.<\/li><li>Changes in your personal and family situation may make your estate plan ineffective in accomplishing what you actually want it to do given those changes.<\/li><\/ul>\n\n\n\n<p>In order to attain the greatest benefits from estate planning, it\u2019s a good idea to stay on top of your plan and revise it when appropriate\u2014especially when new events occur that could potentially affect your wealth.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Uncertainty about effectiveness abounds<\/h1>\n\n\n\n<p>Having an old estate plan can potentially create uncertainty in a key area of managing your wealth. Example: The vast majority of individuals\u201471.4 percent\u2014with estate plans that were three or more years old said they did not know whether their plan would deliver the results they wanted, according to AES Nation (see Exhibit 3).<\/p>\n\n\n\n<p>Just 17 percent of this group said they were confident their plan would deliver the results they wanted. And a little more than 10 percent said their plan would <em>not <\/em>perform as desired.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"252\" height=\"300\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-102-252x300.png\" alt=\"\" class=\"wp-image-4071\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-102-252x300.png 252w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-102.png 408w\" sizes=\"(max-width: 252px) 100vw, 252px\" \/><\/figure><\/div>\n\n\n<p>In contrast, an updated plan can potentially provide a sense of confidence. Consider the individuals with plans that were less than three years old: Nearly half said they knew their plan would deliver the results they want (see Exhibit 4). About 15 percent said that their plan needs to be revised because it would not deliver the desired results. Fewer than 40 percent did not know or were unsure about how their plan would perform.<\/p>\n\n\n\n<p>Those results are much better than the results for the group with the older plans\u2014but the AES Nation data shows that a significant percentage of people from both groups are uncertain about the effectiveness of their plan.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"261\" height=\"300\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-103-261x300.png\" alt=\"\" class=\"wp-image-4072\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-103-261x300.png 261w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-103.png 410w\" sizes=\"(max-width: 261px) 100vw, 261px\" \/><\/figure><\/div>\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">The estate planner problem<\/h1>\n\n\n\n<p>One complication we see from these findings is an inability of many estate planners to effectively communicate with their clients. Consider one study by AES Nation of 288 wealthy families (each with a net worth of $10 million or more) that had engaged trusts and estates lawyers to design their estate plan <em>but ultimately never signed the documents<\/em>. These affluent families give a number of different explanations for their decision not to implement their estate plan (see Exhibit 5).<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"792\" height=\"488\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-104.png\" alt=\"\" class=\"wp-image-4073\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-104.png 792w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-104-300x185.png 300w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-104-768x473.png 768w\" sizes=\"(max-width: 792px) 100vw, 792px\" \/><\/figure><\/div>\n\n\n<p>More than nine out of ten of the wealthy families said that the estate plan did not deal with their goals, wants and objectives. This suggests that the trusts and estates lawyers involved were unsuccessful in uncovering the families\u2019 key, deepest issues that needed to be addressed through estate planning.<\/p>\n\n\n\n<p>A full 80 percent of the wealthy families that didn\u2019t implement the plans said their legal advisors made them feel uneasy. This appears to be an emotional reaction born of the professionals\u2019 poor communication with their clients and failure to be appropriately empathetic. Even if the plans themselves may have been perfectly adequate or even ideal, the <em>feeling<\/em> the clients got from the lawyers made them stop short.<\/p>\n\n\n\n<p>Meanwhile, just over half of the wealthy families in the study thought that their estate plan was too complicated. Estate planning for the affluent does often lead to complex and intricate strategies, in our experience. Nevertheless, this finding suggests a failure on the part of many legal professionals to communicate that complexity in a way that made sense to their clients.<\/p>\n\n\n\n<p>Finally, just under half of the wealthy families said they did not implement their plan because they felt very nervous. This was likely due to all the other factors and a generalized feeling of not being in control in any meaningful way.<\/p>\n\n\n\n<p>The end result in all cases: The families did not end up putting in place important strategies and protections that may have helped bring about desired wealth transfer outcomes.<\/p>\n\n\n\n<p>While an estate planner might be exceptionally technically proficient, his or her failure to build rapport with clients will many times result in nothing getting done.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Next steps to consider<\/h1>\n\n\n\n<p>The messages from these findings that should be considered are:<\/p>\n\n\n\n<ul><li>Have an estate plan in place if you want a say in where your wealth goes after you\u2019re gone.<\/li><li>Don\u2019t let your plan gather dust in a binder, folder or drawer (or in the cloud, for that matter).<\/li><li>Avoid estate planners who don\u2019t have the necessary expertise and\/or can\u2019t communicate how a proposed estate plan will address your needs and concerns.<\/li><\/ul>\n\n\n\n<p>Your next step: If you already have an estate plan set up, you might want to stress test it to see if it is still positioned to achieve your specific wealth transfer goals (especially given some of the tax law changes in recent years). A high-caliber wealth manager can often examine an estate plan and \u201cput it through its paces\u201d by assessing the outcomes it would likely deliver under various scenarios. Many wealthy families regularly use stress testing to evaluate their existing strategies as well as strategies they are considering implementing.*<\/p>\n\n\n\n<p>Additionally, it can be very beneficial to work with a highly capable estate planning professional\u2014one who can fully grasp and navigate not just tax and estate laws but also your needs, goals and dreams for your assets. By turning to an industry-recognized estate planning expert, you may be more likely to get the results you are looking for. These experts are often thought leaders who are well known and respected by their peers.<\/p>\n\n\n\n<p>Contact your financial professional to discuss your possible estate planning and wealth transfer needs, and how to best address them.<\/p>\n\n\n\n<p><em>* A tax professional should be consulted on all tax-related issues.<\/em><\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>This report was prepared by, and is reprinted with permission from, VFO Inner Circle.&nbsp; AES Nation, LLC is the creator and publisher of VFO Inner Circle reports.<\/p>\n\n\n\n<p>Disclosure: The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra IS or Kestra AS. The material is for informational purposes only. It represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. It is not guaranteed by Kestra IS or Kestra AS for accuracy, does not purport to be complete and is not intended to be used as a primary basis for investment decisions. It should also not be construed as advice meeting the particular investment needs of any investor. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA\/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS.<\/p>\n\n\n\n<p>Fusion Wealth Management is not affiliated with Kestra IS or Kestra AS. <a href=\"https:\/\/www.kestrafinancial.com\/disclosures\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.kestrafinancial.com\/disclosures<\/a><\/p>\n\n\n\n<p>VFO Inner Circle Special Report<br>By Russ Alan Prince and John J. Bowen Jr.<br>\u00a9 Copyright 2021 by AES Nation, LLC. All rights reserved.<\/p>\n\n\n\n<p>No part of this publication may be reproduced or retransmitted in any form or by any means, includ- ing, but not limited to, electronic, mechanical, photocopying, recording or any information storage retrieval system, without the prior written permission of the publisher. Unauthorized copying may subject violators to criminal penalties as well as liabilities for substantial monetary damages up to $100,000 per infringement, costs and attorneys\u2019 fees.<\/p>\n\n\n\n<p>This publication should not be utilized as a substitute for professional advice in specific situations. If legal, medical, accounting, financial, consulting, coaching or other professional advice is required, the services of the appropriate professional should be sought. Neither the authors nor the publisher may be held liable in any way for any interpretation or use of the information in this publication.<\/p>\n\n\n\n<p>The authors will make recommendations for solutions for you to explore that are not our own. Any recommendation is always based on the authors\u2019 research and experience.<\/p>\n\n\n\n<p>The information contained herein is accurate to the best of the publisher\u2019s and authors\u2019 knowledge; however, the publisher and authors can accept no responsibility for the accuracy or completeness of such information or for loss or damage caused by any use thereof.<\/p>\n\n\n\n<p>Unless otherwise noted, the source for all data cited regarding financial advisors in this report is CEG Worldwide, LLC. The source for all data cited regarding business owners and other professionals is AES Nation, LLC.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Estate planning\u2014the process for how you transfer your wealth to heirs and others\u2014can be very important for anyone who wants to be certain that their loved ones are adequately provided for and taken care of. When done well, estate planning aims both to allow you to pass on your assets as you see fit, and [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":4075,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Here\u2019s Why You May Need to Update Your Estate Plan - Fusion Wealth Management<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fusionwm.com\/heres-why-you-may-need-to-update-your-estate-plan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Here\u2019s Why You May Need to Update Your Estate Plan - Fusion Wealth Management\" \/>\n<meta property=\"og:description\" content=\"Estate planning\u2014the process for how you transfer your wealth to heirs and others\u2014can be very important for anyone who wants to be certain that their loved ones are adequately provided for and taken care of. 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