Estate Planning & Legacy Preservation

Plan today to protect your family’s tomorrow. Estate planning is about clarity, control, and peace of mind—making sure the people and causes you care about are supported according to your wishes. While attorneys prepare the legal documents, Proactiv Wealth coordinates the financial elements of your estate so everything works together seamlessly.

Why Estate Planning Is Essential

Without an estate plan, your assets may not go where you intend, loved ones may face disputes or delays, and your estate could incur unnecessary taxes or probate costs. A thoughtful plan helps preserve family harmony and protects your legacy.


Many of our clients have trusted us for decades and want reassurance that their spouse, children, and charities will be cared for in the future. We help you articulate your intentions and ensure your estate strategy aligns with your overall financial plan.

Our Role in Your Estate Plan

Think of us as the financial architects working alongside legal professionals to build a complete, cohesive estate plan.

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Coordinating With Attorneys

We help you clarify your goals and can refer trusted estate attorneys when needed. We then work closely with your legal team to ensure your financial plan and your legal documents match.

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Beneficiary Review

One of the simplest—and most important—estate tasks. We regularly review beneficiaries on IRAs, 401(k)s, life insurance policies, and annuities to ensure they are current and properly aligned with your wishes.

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Asset Titling

We guide you on how to title accounts and property to avoid probate when appropriate. This may include joint ownership, transfer-on-death (TOD) designations, or reorganizing assets to match your estate plan.

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Estate Tax Minimization

For larger estates, we coordinate strategies such as gifting, trust structures, or life insurance solutions to prepare for potential estate taxes—working collaboratively with your tax advisor.

Legacy Planning Strategies

Estate planning goes far beyond distributing assets. It’s about the values, opportunities, and impact you want to leave behind.

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Trust Planning

We help you understand how revocable living trusts can avoid probate and how specialized irrevocable trusts can protect assets or fulfill specific goals. (Your attorney drafts the documents; we support the planning and alignment.)

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Life Insurance for Legacy

Life insurance can create or equalize an inheritance for children, provide liquidity to cover taxes, or fund long-term legacy gifts.

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Charitable Giving

Whether through simple gifts, donor-advised funds, or charitable trusts, we help you incorporate philanthropy into your financial plan in a meaningful and tax-efficient way.

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Long-Term Care & Medicaid Planning

Proper planning today—such as asset protection strategies or long-term care coverage—can help shield your estate from being depleted by future care costs.

Keeping Your Plan Current

Estate plans must evolve over time. Whenever a major life event occurs—a marriage, loss, new grandchild, new property, or major financial change—we prompt a review to ensure everything still reflects your wishes.


We maintain continuity and keep detailed records so updates are simple. This ongoing stewardship reflects our PACT commitment to long-term partnership and care.

Get Started

Protect Your Legacy

Estate planning is not just for the ultra-wealthy—it’s for anyone who wants to protect loved ones and preserve what they’ve worked hard to build.



Let’s review your plan or build one together.

  • Do I need an attorney for estate planning, or can Proactiv Wealth do everything?

    We handle the financial aspects—aligning your accounts, beneficiaries, and planning strategies—but legal documents must be drafted by an attorney. We collaborate closely to ensure your legal and financial plans match perfectly.

  • I already have a will; is that enough?

    A will is an important foundation, but many assets—like retirement accounts—transfer by beneficiary designation. We review your full picture to ensure no gaps exist and recommend trusts if they simplify or strengthen your plan.

  • How can I avoid probate for my family?

    Strategies may include TOD designations, joint ownership, or revocable living trusts. Your situation determines the best approach, and we’ll walk you through the options.

  • What happens to my retirement accounts when I pass away?

    IRAs and 401(k)s typically pass directly to named beneficiaries. We ensure your beneficiaries are correct, explain tax implications, and help prepare heirs for their options under current inheritance laws.

  • Will my estate owe taxes?

    Most Wisconsin residents don’t pay federal estate tax, but larger estates may need proactive planning. We help estimate exposure and coordinate strategies like gifting, trusts, or insurance to reduce or cover potential taxes.