Life Insurance in Trust – Provide liquidity for estate taxes without burdening heirs.
Our specialist team of consultants understands the importance of lasting relationships with clients to deliver specific investment solutions.
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.
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.
– 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.
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:
A successful retirement strategy balances multiple income sources. Here’s how we help you structure yours:
A will ensures your assets are distributed according to your wishes—not state law. It also allows you to designate guardians for minor children.
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.
Designate someone you trust to make financial and medical decisions on your behalf if you become incapacitated.
Ensure your healthcare wishes are carried out with clarity and compassion.
Reduce the taxable value of your estate while providing meaningful benefits to loved ones today.
For business owners, a succession plan ensures your company transitions smoothly and your employees and heirs are protected.
– During our 30-minute call, we’ll:
– Review your current estate documents and wealth structure.
– Identify gaps and opportunities.
– Outline clear next steps to protect your family and legacy.
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.
– Fiduciary commitment: Your goals drive every recommendation.
– Deep expertise in coordinating financial, legal, and tax strategies.
– Local knowledge: We understand how [State] estate laws affect your plan.
– Proven track record: We’ve guided families through everything from simple wills to complex multi-generational estate plans.
Yes. Estate planning is about protecting your family, not just your money. Even a simple will ensures your wishes—not the state’s—are followed.
Your assets may be tied up in probate, distributed according to state law, and potentially diminished by taxes and fees.
Absolutely. Your estate plan should evolve with major life events—marriage, divorce, children, business sales, or inheritance.
Estate and gift taxes can significantly erode wealth if not planned for. We design strategies to minimize those taxes so more goes to your heirs.
“Russell Stout has been my financial advisor for over a decade. I have the upmost confidence in his abilities. I continually compare my losses/gains vs the overall market and especially during tax time and my capital gain. The tactics Russell uses strategically project the unpredictable market trends, He looks at the opportunities and balances them with the challenges of the market and plugs in percentages of my money into various types of funds that lead to my financial goals and aspirations.”
Non compensated client testimonial; may not be representative of all client experiences; no guarantee of future performance or success.
“Russell Stout has been my financial advisor for over a decade. I have the upmost confidence in his abilities. I continually compare my losses/gains vs the overall market and especially during tax time and my capital gain. The tactics Russell uses strategically project the unpredictable market trends, He looks at the opportunities and balances them with the challenges of the market and plugs in percentages of my money into various types of funds that lead to my financial goals and aspirations.”
Non compensated client testimonial; may not be representative of all client experiences; no guarantee of future performance or success.