Legacy Planning Isn’t About Wealth? What??

Welcome back to our February Transition Series!

Over the past few weeks, we’ve explored how to transition your income, spending, and healthcare planning in retirement.

Now, let’s talk about something that truly lasts—your legacy.

Judy had always thought legacy planning was just about who gets what when she’s gone. She figured her will and beneficiary designations were enough.

But after talking with her financial team, she realized her legacy was much more than just money.

"I don’t want my family to just inherit my assets," she admitted. "I want them to inherit my values."

That’s when she reframed how she thought about her legacy.

What Judy Discovered About Legacy Planning:

?? Confidence in the Future

Legacy planning isn’t just for your heirs—it’s for you, too.

Knowing her loved ones would be taken care of and her wishes honored gave Judy a deep sense of comfort and security.

By clearly outlining her intentions, she could help prevent family conflicts and misunderstandings down the road.

?? Preserving Wealth Through Strategic Planning

Judy was surprised to learn that without proper planning, taxes could take a significant bite out of what she intended to leave behind.

Even more shocking? Some states have estate taxes—and some don’t.

If she didn’t plan ahead, a big portion of her legacy could end up going to the government instead of her loved ones.

By working with her estate planning attorney, she discovered that trusts, charitable donations, and gifting strategies could help minimize estate taxes and maximize what her family received.

?? Giving Back and Creating Impact

Judy had always supported her favorite charities throughout her life, but she hadn’t realized she could continue making an impact even after she was gone.

Through planned giving, she set up a charitable donation strategy that would support causes she cared about while also providing tax benefits to her estate.

?? Passing Down More Than Just Money

Judy realized that her legacy wasn’t just financial—it was personal.

She started writing letters and recording short videos to share her life lessons, values, and experiences with her family.

"I want my grandchildren to remember more than just the number in their inheritance—I want them to know who I was, what I believed in, and what truly mattered to me."

Her legacy was no longer just about wealth—it was about the principles and values that had shaped her life.

Judy’s Big Takeaway?

Legacy planning isn’t just about money—it’s about intention.

It’s about ensuring your values, your impact, and your generosity continue long after you’re gone.

And the best part? It’s never too early—or too late—to start.

Your Turn!

?? What do you want your legacy to be?

?? Does your state have an estate tax? Some do, and some don’t—have you checked?

Drop a comment—I’d love to hear your thoughts!

Let’s Talk!

If you’re like Judy and wondering how to ensure your legacy is meaningful and secure, let’s chat.

I specialize in helping women in transition create estate plans that align with their values and financial goals.

And if you’re unsure whether your state has an estate tax, let’s review your plan together—so you don’t leave behind an unexpected tax bill.

Send me a message, and let’s build a plan that works for you!

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