Free guide for investors and families
Make sure your legacy goes where you intend
Estate planning is more than deciding who gets what. This guide walks through the decisions that protect your family and keep your investments working for the people and causes you care about.
- Get organized so your family knows where everything is
- Understand wills, living trusts and beneficiary designations
- Invest the money meant for your heirs on its own timeline
- Start the family conversation before emotions run high
What’s inside
Eleven short sections, each with a practical tip and questions to ask yourself. It won’t replace your attorney, but it will help you walk in knowing what you want.
Start with organization
Gather your will, policies, deeds and account details in one secure place, and make sure someone you trust can find them.
Decide what you want first
What you own, who should receive it, when they should get it, and who manages things if you can’t.
Wills, trusts and beneficiary forms
What each one does, why beneficiary designations override your will, and when a living trust can avoid probate.
Invest for your estate, not just retirement
Money meant for children, grandchildren or a cause may call for a different strategy than the money you live on.
Your timeline doesn’t end with you
Assets for the next generation can have a 20 to 40 year horizon, and that changes how they should be invested.
Match your mix to your legacy goals
Too conservative and inflation wears it down. Too aggressive and you put the money you depend on at risk.
Talk about it before you have to
Sharing your intentions, setting expectations when distributions are unequal and keeping things calm.
Leave assets to people and causes wisely
Trusts for young or special needs beneficiaries, and gifts to your church or charity through your plan.
We don’t just refer you out and wish you luck. We stay involved.
Paul Curtman
From Paul Curtman
I’m an investment advisor, and managing portfolios is what I do every day. Estate planning is part of that work, because the way your money is invested, titled and passed on should all point in the same direction.
I’m a former Marine infantry squad leader, served eight years in the Missouri House as Chairman of Ways and Means, and I’ve worked in the financial industry since 2008. My wife and I have five children. We work alongside your attorney and offer attorney-backed document support through our partnership with Wealth.com.
- Fee-only, so we do better when you do better
- A fiduciary, required to act in your best interest
- Serving the Panhandle, Missouri and families nationwide by phone and video
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Send me the guideP.R. Curtman Investments is a registered investment adviser. Registration does not imply a certain level of skill or training. P.R. Curtman Investments is not a law firm and does not provide legal advice. This page and the guide are general education, not individualized investment, tax or legal advice. All investing involves risk, including loss of principal. We do not prepare taxes or give tax advice; please consult your tax professional and attorney.
