Included in the advisory fee

Make sure what you built goes where you intend

Beneficiaries, titling, and legacy strategy — kept current by a CFP® professional and coordinated with your attorney, so your estate plan works when it matters.

Book a free intro call → See the fee schedule

A beneficiary form can quietly override your entire will.

Most estate failures aren't dramatic. They're a 401(k) still naming an ex-spouse, a house titled the wrong way, a trust that was signed years ago but never funded. The documents said one thing; the accounts did another — and the accounts win.

Attorneys draft excellent documents, then rarely see the accounts again. As your advisor, we see them every quarter. Our job is keeping the paperwork and the money in agreement — beneficiaries current, titling correct, and the tax consequences of your legacy understood before, not after.

What You Get

The plan, kept working

No. 1

Beneficiary audits, every year

Retirement accounts, life insurance, and TOD designations pass outside your will. We review every designation annually and after every major life event — marriage, divorce, births, deaths.

No. 2

Account titling review

Joint tenancy, community property, payable-on-death, trust ownership — how an account is titled decides where it goes and how it's taxed. We check that titling matches the plan.

No. 3

Trust funding follow-through

A trust only controls what it owns. If your attorney drafted one, we help make sure accounts and property actually get retitled into it — the step most families miss.

No. 4

Tax-smart legacy strategy

Which heirs should get the Roth and which the traditional IRA. Where charitable intent saves the most tax. How step-up in basis changes what you should sell versus hold for life.

No. 5

Attorney coordination

We work alongside your estate attorney — or help you find one — and come to the table with a complete, organized financial picture so their drafting time (and your bill) stays focused.

No. 6

A map your family can follow

An organized record of accounts, documents, contacts, and instructions — so the people you love aren't solving a scavenger hunt during the worst week of their lives.

One fee covers the whole relationship

Estate & legacy planning is one of five services included in the advisory fee. The others come with it — not as add-ons.

No. 01

Investment Management

Tax-aware portfolios built around your goals and timeline.

No. 02

Retirement Planning

Social Security timing, withdrawal order, and income that lasts.

No. 03

Tax Planning

Year-round strategy from an Enrolled Agent, built into every decision.

No. 05

Inheritance

Inherited IRA rules, step-up basis, and a calm plan for windfalls.

Blended advisory fee from 1.50% to 0.75%, no account minimum. See the full fee schedule →

Common Questions

Fair questions, straight answers

Do you draft wills and trusts?

No — document drafting is the practice of law, and it belongs with a licensed estate attorney. Our role is everything around the documents: the financial analysis before drafting, the beneficiary and titling work after, and making sure the plan stays synchronized with your accounts for years to come.

I already have an estate plan. What would you add?

Maintenance — which is where most plans fail. Documents age quietly: accounts open and close, laws change, families change. We keep beneficiaries, titling, and trust funding aligned with what your documents say, and flag when it's time to go back to the attorney.

Does Arizona have an estate or inheritance tax?

No — Arizona has neither. For most families the planning focus is federal: the estate tax exemption, income tax on inherited retirement accounts, and step-up in basis. That's why estate strategy here is mostly tax strategy, and why it helps that your advisor is both a CFP® professional and an Enrolled Agent.

Is this really included in the advisory fee?

Yes. Beneficiary reviews, titling checks, legacy strategy, and attorney coordination are part of the ongoing advisory relationship — no separate planning bill. Attorney fees for drafting documents are separate and paid to your attorney.

What if I don't have an attorney?

We'll refer you to estate attorneys we trust and prepare the financial summary they'll need — so you walk in organized and walk out with documents that fit your actual situation. We receive no referral fees; that's part of being fee-only.

Next Step

When did you last check your beneficiaries?

If you're not sure, that's the answer. A free 30-minute call is the easiest way to find out where you stand.

Book a free intro call →

Not sure yet? Take the 60-second fit quiz

Golden Acre Wealth Management LLC is an investment adviser registered with the Arizona Corporation Commission (CRD #337930). Registration does not imply a certain level of skill or training. All fees are negotiable and are described fully in the firm's Form ADV Part 2A, available upon request or at adviserinfo.sec.gov. Golden Acre Wealth Management does not provide legal services; preparation of wills, trusts, and other estate documents requires a licensed attorney. This page is for informational purposes only and does not constitute investment, tax, or legal advice. Past performance is not indicative of future results. CFP® and CERTIFIED FINANCIAL PLANNER® are certification marks owned by the Certified Financial Planner Board of Standards, Inc., awarded to individuals who successfully complete CFP Board's initial and ongoing certification requirements.