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What is Advanced Estate Planning?

By Jeffrey Bangerter

Advanced estate planning is the process of developing a comprehensive plan to manage and protect an individual’s assets during their lifetime and ensure that their assets are distributed according to their wishes after their death. The goal of advance estate planning is to minimize taxes, protect assets, and ensure that the individual’s wishes are carried out in the most efficient and effective manner possible.

Advanced estate planning typically involves several components, including:


Wealth transfer planning:

This involves developing a plan to transfer wealth to beneficiaries, such as children or grandchildren, in a tax-efficient manner. Wealth transfer planning may involve the use of trusts, gifting strategies, and other techniques to help manage taxes and ensure that assets are distributed according to the individual’s wishes.

Charitable planning:

This involves developing a plan to make charitable contributions during the individual’s lifetime or after their death. Charitable planning may involve the use of charitable trusts, donor-advised funds, and other strategies to help maximize tax benefits and ensure that charitable gifts are made in the most effective way possible.

Business succession planning:

This involves developing a plan to transfer ownership and control of a business to the individual’s chosen successor(s) in a tax-efficient manner. Business succession planning may involve the use of trusts, buy-sell agreements, and other techniques to help ensure a smooth transition of ownership and management.


Family meeting real-estate agent for house investment


     Retirement planning:

This involves developing a plan to help maximize retirement income potential and ensure that the individual’s assets are managed in a way that provides for their needs during their lifetime. Retirement planning may involve the use of retirement accounts, annuities and other strategies, for example, to help provide for the individual’s financial confidence in retirement.

Asset protection planning:

This involves developing a plan to protect assets from potential creditors or lawsuits. Asset protection planning may involve the use of trusts, limited liability companies, and other techniques to shield assets from potential risks.




Advanced estate planning is typically done with the assistance of a qualified estate planning attorney or financial planner. The planning process involves a thorough analysis of the individual’s assets, financial situation, and goals, and the development of a customized plan that seeks to achieve those goals. Advanced estate planning can help to ensure that an individual’s assets are managed and distributed in the most effective and efficient way possible and can help provide financial confidence for both the individual and their loved ones.


Because investor situations and objectives vary this information is not intended to indicate that an investment is appropriate for or is being recommended to any individual investor. 

This is for informational purposes only, does not constitute individual investment advice, and should not be relied upon as tax or legal advice. Please consult the appropriate professional regarding your individual circumstance.

Asset protection plans should be developed and implemented well before problems arise. Due to the fraudulent transfer laws, asset transfers that occur close in proximity to the filing of a lawsuit or bankruptcy can be interpreted by the court as a fraudulent transfer. Proper structuring of these assets is imperative please seek proper legal and tax advice prior to engaging in re-titling/structuring of any assets. Please note that laws are subject to change and can have an impact on your asset protection strategy.

Potential cash flows/returns/appreciation are not guaranteed and could be lower than anticipated.

There are retirement account risks that could diminish investor returns, such as, but not limited to: low interest rates, market volatility, withdrawal timing and sequence of returns risk, government policy uncertainty and increased longevity. Prospective investors should perform their own due diligence carefully and review the “Risk Factors” section of any prospectus, private placement memorandum or offering circular before considering any investment.

Fixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.

Investors are advised to consider the investment objectives, risks, and charges and expenses of the variable annuity and its underlying investment options carefully before investing. The applicable prospectuses for the variable annuity and its underlying investment options contain this and other important information. Please call the product sponsor for free prospectuses. Read them carefully before investing or sending money. Products and features are subject to state availability.

The investment return and principal value of the variable annuity investment options are not guaranteed. Variable annuity sub-accounts fluctuate with changes in market conditions. The principal may be worth more or less than the original amount invested when the annuity is surrendered.

Investment advisory services offered through Bangerter Financial Services, Inc., a state registered investment advisor. Securities offered through Concorde Investment Services, LLC. (CIS), member FINRA/SIPC. Bangerter Financial is independent of CIS. bd-ld-a-366-3-2023