At Excelsior, we help families, professionals, and business owners create comprehensive wealth and estate planning strategies that ensure your legacy lives on, and your loved ones are protected.
As fiduciary wealth advisors in South Florida, our priority is simple: to help you keep more of what you’ve earned and transfer it wisely.
Why Wealth & Estate Planning Matters
Too many families delay estate planning because they think it’s only for the ultra-wealthy or because it feels overwhelming. The truth? Estate planning is for everyone who wants control. Without it, state laws—not you—decide what happens to your assets.
With the right plan in place, you can:
- Ensure your wealth passes smoothly to the people and causes you care about.
- Minimize estate taxes and unnecessary legal costs.
- Protect heirs from disputes and delays.
- Maintain control over medical and financial decisions if you become incapacitated.
- Build a legacy that reflects your values, not just your net worth.
Our Fiduciary Approach to Wealth & Estate Planning
Estate planning isn’t just about drafting documents—it’s about creating a living strategy that evolves with your life, family, and finances.
Here’s how we help:
- Comprehensive Discovery – We take time to understand your assets, family dynamics, and long-term goals.
- Tax-Smart Strategies – From gifting to trusts, we structure plans designed to minimize your tax burden.
- Ongoing Reviews – Life changes—your plan should too. We revisit your estate plan regularly to ensure it stays current.
- Collaboration with Attorneys & CPAs – We coordinate with your legal and tax professionals for seamless execution.
Trusts provide flexibility, privacy, and potential tax advantages. Common types include:
- Revocable Living Trusts – Control your assets during life, then pass them smoothly at death.
- Irrevocable Trusts – Offer tax benefits and asset protection.
- Charitable Trusts – Direct wealth to causes that matter to you while reducing estate taxes.
For families with significant wealth, advanced strategies can help maximize efficiency and protection:
Family Limited Partnerships (FLPs) – Centralize management while reducing estate taxes.
Grantor Retained Annuity Trusts (GRATs) – Pass appreciating assets to heirs with minimal gift tax.
Dynasty Trusts – Preserve wealth across multiple generations.
Life Insurance in Trust – Provide liquidity for estate taxes without burdening heirs.
