Estate planning services in sacramento
Thoughtfully Shaping Your Family’s Legacy
Our estate planning services in Sacramento protect your family, preserve your wealth, and make sure your wishes are carried out, no matter what life brings.
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ProsperPlan Wealth is a fee-only fiduciary advisory firm.
estate and trust services
Your legacy is more than a document.
At ProsperPlan Wealth, we help you connect the dots between your finances, your family, and your future. Our trust and estate planning services work alongside estate planning attorneys across the Sacramento region, so the legal documents and the money behind them stay aligned.
Questions we get asked, all the time:
Do I have the right documents in place if something happens to me?
We will help you to have the appropriate documents in place. Whether it is getting a will, trust, or durable power of attorney, we have a network of professionals who keep our clients up-to-date with everything they need for estate planning.
Will my spouse and children be protected, or stuck in probate?
There are financial planning tools that can help in making sure you and your family don’t get stuck in probate. Through revocable living trusts, beneficiary designations, and joint-ownership arrangements we can ensure your family stays protected and your legacy is carried out.
Who should I choose to make medical and financial decisions for me?
Life has many important questions, like this one. We will walk alongside you as you make this important decision and assign the beneficiaries, joint-owners, and survivors that you most care for and who can respectably continue your legacy.
What happens if one of my beneficiaries is too young, irresponsible, or vulnerable?
When the short-term vision seems fragile, our specialized advisors will keep you focused on the long-term goal. This means we will design your plan so that your family, regardless of the age, maturity, or health status, can be well-protected and you can feel confident in your decisions.
Families Trust Our Guidance
How does ProsperPlan help with estate planning?
Estate attorneys provide the estate planning legal services and draft the documents.
Our estate planners make sure everything gets implemented correctly.
We act as the bridge between your finances and your legal plan to ensure nothing falls through the cracks. Estate work is one part of our broader financial advisor services.
How Our Estate Planning Services in Sacramento Serve Your Legacy.
Ensure accounts, beneficiaries, and trusts align
Beneficiary designations often override your will. We review every account title, transfer-on-death registration, and beneficiary form so your paperwork matches the plan your attorney drafted.
Helps reduce taxes through thoughtful wealth transfer strategies
Wealth transfer touches income tax, capital gains, and the step-up in basis. We model gifting, charitable strategies, and account sequencing, including how pension planning and survivor benefit elections affect what passes to your spouse.
Organizes assets for clarity and simplicity
Scattered accounts make settlement slow and expensive. We consolidate when it’s beneficial, document what you own, and give your family one clear picture to work from.
Builds guardrails for heirs and future generations
Not every heir is ready to manage a lump sum. We work with your attorney on trust provisions, staged distributions, and protections for minor or vulnerable beneficiaries.
We provide family education to improve outcomes
Plans fail when the next generation is surprised by them. We host family conversations so your heirs understand the structure, the reasoning, and their role before they need to step into it.
Clear communication and efficient implementation.
Our mid-career advisors help you organize your assets, clarify your wishes, and design a personalized plan that protects the people you love. Estate planning services in Sacramento work best when they connect to the rest of your financial life, including your investment management and retirement planning strategy.
Step 1: Assess Your Needs
We review your existing documents, account titling, beneficiaries, and financial structure. We identify risks, missed opportunities, and areas that need attention.
Step 2: Formalize A Plan
Working with your estate attorney, we help build a thoughtful plan that protects your family, supports your wishes, and transfers wealth efficiently. Our trust and estate planning services translate the attorney’s draft into account-level decisions.
Step 3: Implement Your Plan
We coordinate with your estate planning attorney and your financial institutions to help put everything in place. Trust and estate planning services break down at this step more often than any other, so we track it to completion.
Your Questions, Answered
Here’s what you need to know about estate planning, and what you need to know before choosing estate planning services in Sacramento.
Essential FAQ's
What is estate planning and why is it important?
Estate planning is the process of organizing how your assets and finances will be managed after your passing (or if you become unable to manage them yourself). It’s important because it helps protect your loved ones, minimizes taxes and legal costs, reduces stress and conflicts, and ensures that your intentions are clearly carried out.
Is estate planning tax deductible?
Generally, most personal estate planning expenses, such as drafting wills or trusts, are not tax deductible. However, certain elements related to income-producing assets, business succession, or charitable giving may qualify for deductions.
What estate planning documents do I need?
Essential estate planning documents typically include a will, trust, durable power of attorney, and a healthcare directive. Depending on your situation, you may also need beneficiary designations, guardianship instructions, or business succession documents. Your ProsperPlan advisor can help coordinate with your attorney to ensure every document aligns with your financial goals and family needs.
How are survivorship life insurance policies helpful in estate planning?
Survivorship life insurance can be helpful. It covers two people, usually spouses, and pays out after the second person passes away. It’s often used in estate planning to provide liquidity for estate taxes, preserve assets for heirs, or serves to fund trusts and charitable gifts. This strategy helps ensure your wealth transfers efficiently and your legacy goals are fully supported.
How can I avoid probate?
You can often avoid probate by using tools such as revocable living trusts, beneficiary designations, and joint ownership arrangements. These strategies allow assets to transfer directly to your heirs without court involvement. Your ProsperPlan advisor can help structure your estate plan to simplify the process, reduce costs, and ensure your wishes are carried out smoothly.
How can I “gift” money to family?
You can “gift” money to family members through direct gifts, educational savings accounts, or trusts designed to manage and protect assets. The IRS allows you to give up to a certain amount each year, per person, without incurring taxes. Your ProsperPlan advisor can help you structure these gifts strategically to support loved ones while maintaining your overall financial and estate goals.
What is generational wealth?
Generational wealth refers to assets, such as investments, real estate, or businesses, that are passed down from one generation to the next. It is concerned with the creation of financial security and opportunity for your children and grandchildren. Through thoughtful estate, tax, and investment planning, ProsperPlan helps families build and preserve wealth that lasts well beyond a single lifetime.
What does the estate planning meeting include?
Estate planning includes organizing how your assets, finances, and personal wishes will be managed during your life and distributed after your passing. Our meetings involve discussing documents such as wills, trusts, powers of attorney, and healthcare directives. At ProsperPlan, we integrate these with financial and tax strategies to help protect your wealth and ensure your wishes are carried out smoothly.
Who benefits most from estate planning?
Estate planning benefits anyone who wants control over how their assets are managed and distributed, regardless of wealth level. It’s especially valuable for families, business owners, and individuals with significant assets or complex financial situations.
What are the six basic steps to the estate planning process?
Most plans follow six steps. First, create an inventory of what you own and what you owe. Second, decide who receives what and who makes decisions if you can’t. Third, choose the documents that fit your situation, usually a will, a trust, a durable power of attorney, and a healthcare directive. Fourth, execute those documents with an attorney. Fifth, fund the trust and retitle accounts so the plan actually controls the assets. Sixth, review it as your family, your finances, and the law change. (Step five is where most plans break down, and it is where our estate and trust services do much of the most important work.)
Expertise & Credentials
What are the benefits of choosing ProsperPlan for estate planning?
The best estate planning services connect the legal documents to the money behind them. Choosing ProsperPlan means gaining a dedicated partner who integrates tax, investment, and estate strategies to build and protect your wealth. Our fee-based, client-first, 100% fiduciary approach ensures unbiased advice tailored to your goals. With highly experienced, mid-career advisors and comprehensive planning, we help you achieve prosperity and peace of mind.
What qualifications do ProsperPlan’s estate planning advisors hold?
All of our partner advisors are mid-career professionals who hold both master’s degrees and the financial industry gold standard Certified Financial Planner (CFPⓇ) designation.
How does ProsperPlan ensure my estate planning strategy is personalized to my goals?
At ProsperPlan, we start by understanding your complete financial picture: your family priorities, assets, and short- and long-term vision for the future. Our partner advisors then design a customized estate plan that aligns with your personal goals, tax considerations, and legacy wishes. We will review and adapt your plan as life and laws change to ensure your strategy stays aligned with what matters most to you.
Building Financial Confidence Across Generations
Thoughtful insight and meaningful planning for families who want to take care of their financial future together.
What Clients Say About Us
Testimonials are based on unique experiences from current clients and are not representative of all client experiences. Testimonials are unsolicited, and no cash or non-cash compensation has been provided. As a result, clients do not receive any material incentives or benefits for providing testimonials. Investing involves risk, including the possible loss of principal and fluctuation of value. Past performance is no guarantee of future results. Additional information about NewEdge Advisors, LLC, is available in its current disclosure documents, Form ADV, Form ADV Part 2A Brochure, and Client Relationship Summary Report which can be found online at the SEC’s Investment Advisor Public Disclosure (IAPD) database at www.adviserinfo.sec.gov
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Stop By To See Us
Explore our locations to find the ProsperPlan team near you.
Gold River Office
HQ & Mailing Address
2377 Gold Meadow Way
Suite 100
Gold River, CA 95670
(916) 909-3993
Roseville Office
3017 Douglas Blvd
Suite 300
Roseville, CA 95661
(916) 909-3993
Professional Partners
Our partner advisor estate planners will help cement your legacy and protect your wealth for generations.