Financial Advisor Inheritance Planning Letter
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Write a client letter discussing inheritance and wealth transfer planning.

Client situation (placeholders):
- Client age: [range]
- Estate value estimate: $[amount]
- Heirs: [children/grandchildren/charity]
- Current documents: [will/trust/none]
- Primary concern: [taxes/fair distribution/family harmony]
- State: [for estate tax consideration]

INHERITANCE PLANNING LETTER

Dear [Client],

OPENING
- Reference previous discussion or proactive outreach
- Why this topic matters at their stage of life
- Collaborative approach with estate attorney

CURRENT ESTATE OVERVIEW
- Total estimated estate: $[amount]
- Federal estate tax threshold: [verify current exemption]
- State estate tax: [if applicable to their state]
- Estimated estate tax exposure: $[if applicable]

KEY DOCUMENTS TO REVIEW

   WILL
   - Current status: [up to date/outdated/none]
   - When last updated: []
   - Life changes since: [marriage/divorce/children/deaths]
   - Executor named: [appropriate?]

   TRUSTS
   - Revocable living trust: [exists/needed]
   - Benefits: [probate avoidance/control/privacy]
   - Funding status: [assets in trust?]

   BENEFICIARY DESIGNATIONS
   - IRA/401k beneficiaries: [reviewed recently?]
   - Life insurance: [current?]
   - Transfer on death accounts: [set up?]
   - Note: override will — critical to keep current

WEALTH TRANSFER STRATEGIES TO DISCUSS
   - Annual gift exclusion: [$18K per recipient — verify current]
   - 529 superfunding: [for grandchildren]
   - Charitable giving: [during lifetime vs at death]
   - Irrevocable trusts: [if estate tax exposure]
   - Family limited partnership: [if business interests]

NEXT STEPS
   - Schedule estate attorney review: [referral offered]
   - Beneficiary designation audit: [we will help]
   - Trust funding review: [if applicable]
   - Next financial planning meeting: [date]

Note: Estate planning requires licensed estate attorney. This letter is educational only. Compliance review required.

Source: https://promptzyo.com/prompt/financial-advisor-inheritance-planning-letter