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Back to Services
Legacy & Transfer
Estate & Legacy
Planning
We coordinate the financial side of your estate plan so values, people, and paperwork actually line up.
A trust is only as good as the accounts titled to it.
Beneficiary designations override the will when they don't match.
Field Note
The Gap Nobody Checks
A trust is only as good as the accounts that are actually titled to it. A will is only as strong as the beneficiary designations that override it. The legal plan and the financial plan have to agree — and someone has to be responsible for making sure they do.
We are not here to draft documents. What we do is coordinate so the financial side of your estate plan lines up with what is on paper — because in our experience, it almost never does without deliberate coordination.
If your 401(k) still lists an ex-spouse, that is who gets it — regardless of what your trust says.
If your IRA beneficiary form is blank, the account goes through probate.
"Equal" beneficiaries on a Roth IRA is not equitable when one heir is in a 37% bracket and the other is in 12%.
These are the details that fall through the cracks when the financial plan and the legal plan do not talk to each other.
Beyond the Documents
Legacy Planning Also Means Having the Values Conversation
What does this money represent? Who does it serve after you are gone? Are there charitable intentions that should be structured now for tax efficiency? Are there family dynamics that affect how assets should be titled or distributed?
We help clients think through these questions so intentions are clear — then we coordinate the financial details so account structures and beneficiary designations match that intention.
Legacy planning at Back40 means the story behind the numbers gets told the right way — not just to attorneys and accountants, but to the people who need to understand it most.
What's Included
Beneficiary Audit
Plan Coordination
The Values Conversation
Tax-Efficient Transfer
Who This Is For
01
Beneficiary Audit
Review every account — IRAs, 401(k)s, life insurance, annuities, TOD registrations — to ensure beneficiary designations match your current wishes and your estate documents.
02
Plan Coordination
We coordinate your estate plan with your counsel when you have one, or support you through our referral network — so titling, beneficiary forms, and legal documents stay aligned and nothing drifts out of sync.
03
The Values Conversation
What does this money mean to you? Who should it serve? What causes matter? We help articulate legacy intentions before they become legal language.
04
Tax-Efficient Wealth Transfer
Roth inheritance strategies, charitable giving structures, and gifting approaches designed to move wealth to the next generation with minimal tax friction.
Who This Is For
Best for clients who want the financial machinery of an estate plan — titling, beneficiaries, and tax-aware transfers — to match the story they intend to leave behind.
Other Services
View All Retirement Income Planning
Investment Management
Tax Strategy & Roth Planning