Estate Planning

More Than a Will

Estate planning is often reduced to “do you have a will,” but a will is only one piece. Life insurance beneficiary designations, how an annuity or IUL is structured, and how assets are titled all affect what actually happens when they pass to your family, sometimes independently of what a will says.

Where We Fit In

We look at how your existing insurance products and beneficiary designations line up with your actual wishes, and flag anything that’s outdated or inconsistent. For the legal side, drafting a will, trust, or other estate documents, we work alongside Jennifer Surmacz of Posterity Legal Services, LLC, who handles that piece directly.

This page is for general informational purposes only and is not legal or tax advice. Consult an independent attorney or tax professional for guidance specific to your situation. Jennifer Surmacz is not an employee of Altman Advisory Group.

A Coordinated Approach

The goal is making sure your insurance and legacy planning actually work together, instead of a beneficiary form quietly contradicting what your estate documents say.