At Peak American Investment Advisors, we help clients plan their estates with confidence. While we are not attorneys, we partner with a trusted network of estate planning attorneys to ensure your assets, wishes, and loved ones are fully protected. Our approach integrates financial strategies with legal guidance, enabling you to create a comprehensive plan for the future.

Wills

A will is the foundation of any estate plan. It ensures your property is distributed according to your wishes, not by state law, and can help avoid unnecessary delays in probate court. You can also designate guardians for minor children or set up trusts that take effect upon your passing. A properly prepared will helps your beneficiaries receive their inheritance efficiently and can reduce federal and state taxes, protecting both your legacy and your family.

Trusts

Trusts provide a flexible way to manage and protect your assets during your lifetime and beyond. By transferring property to a trustee, you can maintain control, provide for your beneficiaries, and potentially take advantage of tax planning opportunities. Common types include:

• Living (Revocable) Trusts: Hold your assets during your lifetime and can substitute for a will after death, helping to avoid probate.
• Testamentary      Trusts: Created through a will, often used for tax planning or asset protection.

Trusts enable you to direct exactly how and when your assets are distributed, offering peace of mind that your wishes will be honored.

Durable Powers of Attorney

A durable power of attorney lets you appoint a trusted agent to manage your financial and legal matters if you become incapacitated. Without one, a court may appoint a guardian, which can be costly and time-consuming. By establishing this authority in advance, you help protect your estate, simplify administration, and avoid unnecessary legal complications.

Medical Powers of Attorney

A medical power of attorney allows you to designate someone to make healthcare decisions on your behalf if you are unable to do so yourself. This ensures your wishes regarding life-sustaining treatment and medical care are followed. Your appointed agent has full access to your medical information and can act with confidence, giving you and your loved ones peace of mind during difficult times.

Why Estate Planning Matters

Proper estate planning protects your assets, provides for your loved ones, and ensures your wishes are carried out precisely as intended. With Peak American Investment Advisors, you receive expert guidance to integrate your financial and legal strategies, helping you secure your legacy while minimizing stress and unnecessary costs.