California Estate Plan Review Lawyer 2026: Audit Your Trust, Funding & Tax Strategies

San Diego estate plan review lawyer audits trusts, funding, Prop 19 compliance, and tax strategies. Update your plan for 2026 laws. Free consultation.

“Key Takeaways”

• Most estate plans fail because trusts are never funded. A review must include a physical audit of deeds, account titling, and beneficiary designations. We verify that your assets are actually in the trust, not just the document.
• Proposition 19 deadlines apply to deaths after February 16, 2021. If your plan predates 2021, your successor trustee needs clear instructions: the child must move into the home within one year and file for the homeowner’s exemption. Missing this can trigger a 10x property tax hike.
• Community property titling saves hundreds of thousands in capital gains taxes. Many married couples hold assets as joint tenants, which destroys the full step‑up in basis. We review titling and recommend converting to community property with right of survivorship.
• Powers of attorney have a “shelf life.” Banks often reject forms more than a few years old, especially if they lack the specific language required by California Probate Code § 4400 et seq.. We ensure your documents are current.
• AB 565 (2026) allows virtual representation for trust modifications. If your trust lacks decanting or modification powers, we can add them using virtual representation to avoid court proceedings—provided all beneficiaries consent.
• San Diego trust modifications are e‑filed at the Central Courthouse (1100 Union St). We handle filings under Probate Local Rule 4.3.1 (mandate) and 4.3.2 (technical requirements), using Form PR‑160 and SDSC PR‑001.

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California Estate Plan Review Lawyer: The 2026 Guide to Auditing and Updating Your Legacy

Introduction: The $1.2 Million San Diego Home That Almost Cost $15,000 a Year in Property Taxes

When Margaret and David created their trust in 2018, they felt secure. Their home in La Jolla was in the trust, their children were named beneficiaries, and they had powers of attorney. They tucked the binder away and didn’t think about it again.

When David passed away in 2025, Margaret assumed everything was handled. But she hadn’t realized that Proposition 19, passed in 2020, changed the rules for children inheriting a home. Her son, who inherited the home, didn’t move in within one year and didn’t file for the homeowner’s exemption. The property tax base reset to market value—from $200,000 to $1.2 million—increasing his annual taxes from about $2,500 to over $25,000—a ten‑fold increase.

At Leeran S. Barzilai, A Prof. Law Corp. , located in San Diego’s Mission Bay area, we see this scenario far too often. Estate plans are not static. Laws change. Families change. Assets move. A plan that was perfect ten years ago may now be a liability.

This guide will walk you through the critical elements of an estate plan review, the 2026 legal updates that affect your plan, and the practical steps to ensure your legacy is protected.

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Part One: Why Estate Plans Need Regular Review – The 70% Failure Rate

The Trust Funding Gap

Studies consistently show that approximately 70% of trusts created in California are never properly funded . The trust document is signed, but assets remain in the individual’s name. When the person dies, those assets go through probate—the very process the trust was designed to avoid.

What a Review Should Include:

• A physical audit of all real estate deeds to ensure they are titled in the trust name.
• Verification that bank and investment accounts are retitled or have the trust as POD/TOD beneficiary.
• Review of retirement accounts and life insurance beneficiary designations to ensure they align with the trust.

Life Changes That Require Immediate Review

Event	Why It Matters
Marriage	New spouse may be entitled to a community property share; existing trust may need to be amended to include them.
Divorce	In California, divorce revokes provisions in favor of the former spouse; a new trust is often needed.
Birth of a child or grandchild	You may want to add new beneficiaries or adjust distributions.
Death of a beneficiary or trustee	Successor provisions may need updating.
Move from another state	Out‑of‑state trusts may not comply with California community property rules or Prop 19.

Tax Law Changes

The federal estate tax exemption has changed dramatically. The 2026 exemption is approximately $15.4 million per person (permanently indexed under the One Big Beautiful Bill Act of 2025). A plan that used complex bypass trusts to shelter $5 million may now be unnecessarily complex. We review whether your trust still needs these provisions.

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Part Two: Key Areas to Review – The Estate Plan Audit

1. Trust Funding – The Physical Audit

We request current statements, deeds, and account records to verify:

Asset Type	What to Check
Real Estate	Deed must show the trust as owner (e.g., “John Doe, Trustee of the John Doe Living Trust”).
Bank Accounts	Account should be titled in the trust name or have the trust as POD beneficiary.
Investment Accounts	Same as bank accounts; retitle or add TOD.
Retirement Accounts	Beneficiary designation must name the trust (with spousal consent if required).
Life Insurance	Beneficiary designation must name the trust.
Business Interests	Operating agreement or corporate documents should reflect trust ownership.

2. Proposition 19 Compliance – Parent‑Child Property Tax Exclusion

Proposition 19, effective February 16, 2021, limits the parent‑child exclusion to the primary residence. To preserve the parent’s low property tax base, the child must:

• Move into the home within one year of the transfer.
• File for the Homeowner’s Exemption within that same year.
• File Form BOE‑19‑P within three years (or before sale). Late filing provides only prospective relief.

Review Action: We check whether your trust includes instructions for your successor trustee to meet these deadlines. If not, we amend the trust.

3. Community Property Titling – The $150,000 Tax Advantage

California is a community property state. Under Internal Revenue Code § 1014(b)(6), when one spouse dies, the entire community property asset receives a stepped‑up basis to current market value.

Common Mistake: Holding assets as joint tenants instead of community property. Joint tenancy destroys the full step‑up; only the decedent’s half gets stepped up.

Review Action: We review all asset titling and recommend converting to community property with right of survivorship (or community property held in trust).

4. Incapacity Documents – Durable Power of Attorney and Advance Health Care Directive

Financial institutions have become increasingly strict about accepting powers of attorney. A document that is more than a few years old may be rejected.

2026 Requirements:

• The power should be non‑springing (effective immediately) to avoid doctor certification hurdles.
• It should include the specific statutory language required by Probate Code § 4400 et seq..
• The health care directive should be accompanied by a separate HIPAA authorization.

Review Action: We update your powers of attorney and health care directive to meet 2026 standards.

5. Beneficiary Designations – The Hidden Disinheritance

Retirement accounts (IRAs, 401(k)s) and life insurance pass by beneficiary designation, not by will or trust. A common error is naming individuals directly, which bypasses the trust’s provisions.

Review Action: We collect all beneficiary forms and ensure they name the trust (or align with your plan). For retirement accounts, we ensure the trust is a “see‑through” trust to preserve stretch options.

6. Trust Flexibility – Decanting and Modification Powers

Under Probate Code § 19530 (decanting) and § 15409 (modification), trusts can be adapted to changing circumstances. If your trust lacks these powers, we can add them using virtual representation under AB 565 (2026) or, if necessary, court petition.

7. Blended Family Considerations

If your family includes children from prior marriages, we review whether your trust uses separate trusts or QTIP provisions to ensure children from the first marriage are not disinherited.

8. Business Succession

If you own a business, we review operating agreements, bylaws, and shareholder agreements to ensure they permit trust ownership and name successor trustees who can step in seamlessly.

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Part Three: The 2026 Estate Plan Review Checklist

Use this checklist to evaluate your current plan:

• Trust document – dated, signed, notarized, and includes current beneficiaries.
• Real estate deeds – all property titled in the trust name.
• Bank and investment accounts – retitled or with TOD/POD to trust.
• Retirement accounts – beneficiary designation naming trust.
• Life insurance – beneficiary designation naming trust.
• Business interests – operating agreement or bylaws reflect trust ownership.
• Powers of attorney – executed within last 3‑5 years, non‑springing, with HIPAA authorization.
• Advance health care directive – updated, with HIPAA release.
• Proposition 19 instructions – clear guidance for successor trustee.
• Tax planning – review of federal exemption, community property titling, and any bypass trusts.
• Blended family provisions – separate trusts or QTIP if applicable.
• Decanting/modification powers – included in trust to allow future flexibility.

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Part Four: San Diego Superior Court – Procedures for Trust Modifications

Venue: Central Courthouse, 1100 Union St

All trust and probate matters in San Diego are now handled at the San Diego Superior Court Central Courthouse, 1100 Union Street, San Diego, CA 92101. The Hall of Justice (330 W Broadway) no longer handles these cases. This centralized location is where we file petitions and appear before the probate judges.

Mandatory E‑Filing – Probate Local Rule 4.3.1 (Mandate) and 4.3.2 (Technical)

If a trust modification requires court approval (e.g., because beneficiaries do not consent), we e‑file the petition. The mandate for electronic filing is found in San Diego Probate Local Rule 4.3.1, while the technical requirements (formatting, digitized signatures) are in Rule 4.3.2.

Required Forms

Form	Purpose
PR‑160	Probate Case Cover Sheet (mandatory)
SDSC PR‑001	Proof of Service (San Diego local form)
DE‑111	Petition for Probate (for trust modification if a probate case is open)
DE‑310	Petition to Determine Succession to Real Property (for real estate transfers)

We appear in Department 61 (complex) or Department 72 (general probate) for contested matters.

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Part Five: Recent Legal Updates (2025‑2026) Affecting Existing Plans

AB 2016 – Small Estate Real Property Limit Increased to $750,000

Effective April 1, 2025, a primary residence valued up to $750,000 can be transferred using a Petition to Determine Succession to Real Property (DE‑310) without full probate. If your plan relied on a trust to avoid probate for a home under that value, you may have an alternative, but other assets may still trigger probate. We review your overall asset mix.

AB 565 – Virtual Representation in Trust Proceedings

Effective January 1, 2026, virtual representation allows a parent to represent minor children (if no conflict) and a trustee to represent beneficiaries with identical interests. This can streamline trust modifications without court approval. We review whether your trust contains decanting or modification powers to take advantage of this.

The One Big Beautiful Bill Act (2025) – Federal Exemption Permanently Set

The OBBBA, signed in July 2025, permanently set the federal estate, gift, and GSTT exemption at $15 million per person, indexed. For 2026, the inflation‑adjusted amount is approximately $15.4 million. If your plan includes bypass trusts that were designed to shelter a lower exemption, we can simplify or remove them.

2026 HIPAA and Power of Attorney Updates

Financial institutions have updated their acceptance standards. We ensure your powers of attorney comply with the latest requirements to avoid rejection.

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Part Six: Client Document Collection Checklist

Before your review, gather:

• Current trust and any amendments
• Pour‑over will
• Durable power of attorney
• Advance health care directive
• HIPAA authorization
• Deeds for all real property
• Recent statements for bank and investment accounts
• Retirement account statements (IRA, 401(k), etc.)
• Life insurance policies
• Business formation documents (operating agreements, bylaws)
• Marriage certificate
• Divorce decrees (if applicable)
• Gift tax returns (if any)

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Part Seven: Step‑by‑Step – Our Estate Plan Review Process

Step 1: Initial Consultation

We meet (in person or virtually) to understand your goals, family dynamics, and concerns.

Step 2: Document Collection

You provide the documents listed above. We also request a list of assets and any recent changes.

Step 3: Audit

We review each document against current law, funding status, and your goals. We identify gaps, outdated provisions, and opportunities.

Step 4: Recommendations

We present a written report outlining needed updates, with clear explanations and cost estimates.

Step 5: Execution

We prepare amended or restated documents, assist with funding (deeds, account retitling), and coordinate with financial institutions.

Step 6: Follow‑Up

We provide a final checklist and schedule a future review (typically in 3‑5 years) to ensure your plan remains current.

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Frequently Asked Questions

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Contact Our San Diego Estate Plan Review Lawyer

If you have not reviewed your estate plan in the last three years, or if you have experienced a major life change, contact Leeran S. Barzilai, A Prof. Law Corp. today. We provide comprehensive audits of trusts, funding, tax strategies, and incapacity documents to ensure your plan works when your family needs it most.

Leeran S. Barzilai, A Prof. Law Corp.
4501 Mission Bay Dr. #3c
San Diego, CA 92109
(619) 436-7544

Call today for a free consultation. Let us help you protect your legacy.

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Sources:

• California Probate Code § 15409 (Trust Modification)
• California Probate Code § 19530 (Decanting)
• California Revenue and Taxation Code § 63.1 (Proposition 19)
• Internal Revenue Code § 1014(b)(6) (Community Property Basis)
• San Diego Superior Court Probate Division Local Rules
• Assembly Bill 2016 (2025) – Small Estate Real Property
• Assembly Bill 565 (2026) – Virtual Representation
• One Big Beautiful Bill Act (2025) – Federal Exemption

• California Independent Contractor Laws (AB5): How to Legally Classify Your Team Without Breaking the Bank
• California Comprehensive Estate Planning Lawyer 2026: Trusts, Tax Strategies & San Diego Local Rules
• Funding a Living Trust California: How to Avoid Probate in San Diego Under Probate Code § 6000
• California Trust Funding Lawyer 2026: How to Transfer Assets & Avoid Probate in San Diego
• California Tax-Efficient Estate Planning Lawyer 2026: Grantor Trusts, GRATs & $15M Exemption

English Subpages

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1. The Trust Funding Audit – Why 70% of California Trusts Fail

A trust is only effective if assets are transferred into it. We conduct a physical audit of deeds, bank accounts, investment accounts, and beneficiary designations to ensure your trust actually owns the assets. In San Diego, we also verify that deeds are recorded with the San Diego County Recorder’s Office and meet local margin requirements.

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2. Proposition 19 Compliance – Protecting Your Child’s Property Tax Base

Proposition 19 (effective February 16, 2021) requires that a child inheriting a primary residence must move in within one year and file for the homeowner’s exemption. We review your trust for these instructions and amend if needed. Missing these deadlines can cause a property tax increase from $2,500 to over $25,000 annually in San Diego neighborhoods like La Jolla or Point Loma.

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3. Community Property Titling – Unlocking the Full Step‑Up in Basis

Many married couples hold assets as joint tenants, which destroys the full step‑up in basis available under California community property law. We review titling and recommend converting to community property with right of survivorship. For a San Diego home purchased at $150,000 now worth $1.2 million, this conversion can save the surviving spouse over $150,000 in capital gains taxes.

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4. Power of Attorney “Shelf Life” – Updating for 2026 Bank Standards

Banks and financial institutions often reject powers of attorney more than a few years old, especially those lacking the specific language required by Probate Code § 4400 et seq. We update your document to a non‑springing form and include modern indemnification language that San Diego institutions like Chase, Bank of America, and Wells Fargo now require.

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5. Virtual Representation (AB 565) – Streamlining Trust Modifications

Effective January 1, 2026, AB 565 allows a parent to represent minor children in trust proceedings (if no conflict) and a trustee to represent beneficiaries with identical interests. We review whether your trust contains decanting or modification powers to take advantage of this new law, potentially avoiding costly court proceedings in San Diego.

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6. AB 2016 – Small Estate Real Property Limit ($750,000)

AB 2016 (effective April 1, 2025) raised the limit for transferring a primary residence without full probate to $750,000 using a Petition to Determine Succession to Real Property (DE‑310). However, other assets (bank accounts, stocks) exceeding $208,850 may still trigger probate. We help San Diego families evaluate whether this simplified procedure fits their situation.

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7. San Diego Superior Court – Trust Modification Filing Procedures

If a trust modification requires court approval, we file the petition at the San Diego Central Courthouse (1100 Union St) . All documents must be e‑filed under Probate Local Rule 4.3.1 (mandate) and 4.3.2 (technical requirements), using Form PR‑160 and SDSC PR‑001. We appear in Department 61 (complex) or Department 72 (general probate).

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8. The Federal Exemption – $15.4 Million and Bypass Trusts

The One Big Beautiful Bill Act (2025) permanently set the federal estate, gift, and GSTT exemption at $15 million per person, indexed. For 2026, the inflation‑adjusted amount is approximately $15.4 million. We review whether your bypass trusts are still necessary and can simplify your plan through decanting or trust modification.

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9. Beneficiary Designations – Aligning Retirement and Life Insurance with Your Trust

Retirement accounts and life insurance pass by beneficiary designation, not by will or trust. A common error is naming individuals directly, which bypasses the trust. We collect all beneficiary forms and ensure they name the trust (or align with your plan). For retirement accounts, we also verify the trust is a “see‑through” trust to preserve stretch options.

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10. Blended Family Review – Separate Trusts and QTIP Provisions

If you have children from prior marriages, a single joint trust may allow the surviving spouse to disinherit them. We review whether your plan uses separate trusts or QTIP provisions to protect children from prior marriages. We also ensure that stepchildren are either explicitly included or excluded to avoid later disputes.

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Chinese Subpages (中文)

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1. 信托注资审计 – 加州70%信托失败的原因

信托只有将资产转入其中才有效。我们对契据、银行账户、投资账户及受益人指定进行实物审计，确保您的信托实际拥有资产。在圣地亚哥，我们还会核实契据是否已在圣地亚哥县登记处登记，并符合当地页边距要求。

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2. 第19号提案合规 – 保护子女的房产税基

第19号提案（2021年2月16日生效）要求继承主要住宅的子女必须在一年内搬入并申请自住免税。我们审查您的信托是否包含相关指引，必要时进行修订。错过这些期限可能导致房产税从每年约2,500美元增至超过25,000美元，在拉荷亚、洛马角等圣地亚哥社区尤为显著。

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3. 夫妻共同财产登记 – 解锁全额税基提升

许多已婚夫妇以联权共有方式持有资产，这会破坏加州夫妻共同财产法下的全额税基提升。我们审查资产登记方式，建议转换为带生存权的夫妻共同财产。对于一套15万美元购入、现价值120万美元的圣地亚哥房屋，此项转换可为健在配偶节省超过15万美元的资本利得税。

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4. 授权书的“保质期” – 更新以符合2026年银行标准

银行和金融机构常常拒绝接受数年前签署的授权书，尤其是那些缺少《遗嘱认证法典》第4400条等规定语言的版本。我们将您的文件更新为非触发型，并加入圣地亚哥本地银行（如大通、美国银行、富国银行）现在要求的现代免责语言。

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5. 虚拟代表（AB 565） – 简化信托修改

AB 565（2026年1月1日生效）允许父母在信托程序中代表未成年子女（无利益冲突时），并允许受托人代表利益相同的受益人。我们审查您的信托是否包含“倒酒”或修改权限，以利用这项新法律，从而可能避免在圣地亚哥进行昂贵的法院程序。

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6. AB 2016 – 小额遗产不动产限额（75万美元）

AB 2016（2025年4月1日生效）将主要住宅免于正式遗嘱认证的限额提高至75万美元，可使用继承确定申请（DE‑310）进行转移。但其他资产（银行存款、股票）若超过20.885万美元，仍可能触发遗嘱认证。我们帮助圣地亚哥家庭评估这一简化程序是否适合他们的情况。

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7. 圣地亚哥高等法院 – 信托修改申请程序

若信托修改需法院批准，我们在圣地亚哥中央法院（1100 Union St）提交申请。所有文件必须依据遗嘱认证本地规则4.3.1（强制）及规则4.3.2（技术要求）进行电子归档，使用PR‑160表格及SDSC PR‑001表格。我们出席第61庭（复杂）或第72庭（一般）的听证。

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8. 联邦免税额 – 1540万美元与绕行信托

《大而美法案》（2025年）将联邦遗产、赠与及隔代转移税免税额永久定为每人1500万美元，并按通胀调整。2026年经通胀调整后约为1540万美元。我们审查您的绕行信托是否仍然必要，并可通过“倒酒”或信托修改简化您的计划。

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9. 受益人指定 – 使退休账户和人寿保险与信托保持一致

退休账户和人寿保险通过受益人指定转移，而非遗嘱或信托。常见错误是直接指定个人，从而绕过信托。我们收集所有受益人表格，确保其指定信托（或与您的计划一致）。对于退休账户，我们还会核实信托是否为“穿透式”信托，以保留分期领取选项。

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10. 混合家庭审查 – 独立信托与QTIP条款

如果您有前婚子女，单一的联合信托可能使健在配偶剥夺他们的继承权。我们审查您的计划是否使用独立信托或QTIP条款，以保护前婚子女。同时，我们确保继子女被明确包含或排除，避免日后争议。

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Hebrew Subpages (עברית)

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1. ביקורת מימון הנאמנות – מדוע 70% מהנאמנויות בקליפורניה נכשלות

נאמנות יעילה רק אם הנכסים הועברו אליה. אנו עורכים ביקורת פיזית של שטרות, חשבונות בנק, חשבונות השקעות והגדרות מוטבים כדי לוודא שהנאמנות אכן מחזיקה בנכסים. בסן דייגו, אנו גם מוודאים כי השטרות נרשמו במשרד הרשם של המחוז (San Diego County Recorder’s Office) ועומדים בדרישות השוליים המקומיות.

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2. עמידה בתקנות Proposition 19 – שמירה על בסיס מס הנכס לילדיך

Proposition 19 (תוקף 16 בפברואר 2021) דורש כי ילד היורש בית מגורים יעבור להתגורר בו תוך שנה ויגיש בקשה לפטור למגורים. אנו בודקים האם הנאמנות שלך כוללת הנחיות אלה, ובמידת הצורך מתקנים. החמצת מועדים אלה עלולה להעלות את מס הרכוש מ‑2,500 דולר בשנה ל‑25,000 דולר בשכונות כמו לה חויה או פוינט לומה בסן דייגו.

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3. רישום נכסי קהילה – מימוש העלאת הבסיס המלאה

זוגות נשואים רבים מחזיקים בנכסים כבעלות משותפת (joint tenancy), מה שהורס את העלאת הבסיס המלאה הזמינה תחת חוקי נכסי הקהילה בקליפורניה. אנו בודקים את אופן הרישום וממליצים להמיר לנכסי קהילה עם זכות הישרדות. עבור בית בסן דייגו שנרכש ב‑150,000 דולר ושוויו כיום 1.2 מיליון דולר, המרה זו יכולה לחסוך לבן/בת הזוג הנותר למעלה מ‑150,000 דולר במס רווחי הון.

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4. “תאריך תפוגה” של ייפוי כוח – עדכון לפי סטנדרטים בנקאיים 2026

בנקים ומוסדות פיננסיים נוטים לדחות ייפוי כוח בני יותר מכמה שנים, במיוחד כאלה החסרים את הנוסח הנדרש לפי חוק הירושות § 4400. אנו מעדכנים את המסמך שלך לצורה שאינה קפיצית (non‑springing) ומוסיפים שפת שיפוי מודרנית שמוסדות בסן דייגו כמו Chase, Bank of America ו‑Wells Fargo דורשים כיום.

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5. ייצוג וירטואלי (AB 565) – ייעול שינויי נאמנות

החל מ‑1 בינואר 2026, AB 565 מאפשר להורה לייצג ילדים קטינים בהליכי נאמנות (בהיעדר ניגוד עניינים) ולנאמן לייצג מוטבים בעלי אינטרסים זהים. אנו בודקים האם הנאמנות שלך כוללת סמכויות Decanting או שינוי כדי לנצל חוק חדש זה, ובכך להימנע מהליכי בית משפט יקרים בסן דייגו.

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6. AB 2016 – תקרת עיזבון קטן למקרקעין (750,000 דולר)

AB 2016 (תוקף 1 באפריל 2025) העלה את התקרה להעברת בית מגורים ללא צו ירושה מלא ל‑750,000 דולר באמצעות בקשה לירושה במקרקעין (DE‑310). עם זאת, נכסים אחרים (חשבונות בנק, ניירות ערך) העולים על 208,850 דולר עדיין עשויים לחייב צו ירושה. אנו מסייעים למשפחות בסן דייגו להעריך האם הליך מקוצר זה מתאים למצבן.

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7. בית המשפט המחוזי בסן דייגו – הליכי הגשה לשינוי נאמנות

אם שינוי נאמנות מחייב אישור בית משפט, אנו מגישים את הבקשה בבית המשפט המרכזי בסן דייגו (1100 Union St). כל המסמכים מוגשים באופן אלקטרוני לפי תקנה מקומית 4.3.1 (החובה) ותקנה 4.3.2 (דרישות טכניות), תוך שימוש בטופס PR‑160 וSDSC PR‑001. אנו מופיעים במחלקה 61 (מורכב) או מחלקה 72 (כללי).

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8. הפטור הפדרלי – 15.4 מיליון דולר ונאמנויות עוקפות (Bypass Trusts)

חוק One Big Beautiful Bill Act (2025) קבע לצמיתות את פטור מס העיזבון, המתנה וההעברה הבין‑דורית (GSTT) על 15 מיליון דולר לאדם, צמוד לאינפלציה. לשנת 2026 הסכום המותאם הוא כ‑15.4 מיליון דולר. אנו בודקים האם נאמנויות העוקפת שלך עדיין נחוצות, וניתן לפשט את התוכנית באמצעות Decanting או שינוי נאמנות.

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9. הגדרת מוטבים – התאמת חשבונות פרישה וביטוח חיים לנאמנות

חשבונות פרישה (IRA, 401(k)) וביטוח חיים עוברים לפי הגדרת מוטב, לא לפי צוואה או נאמנות. טעות נפוצה היא ציון מוטבים בודדים, דבר העוקף את הנאמנות. אנו אוספים את כל טפסי המוטבים ומוודאים שהם מציינים את הנאמנות (או תואמים לתכנון שלך). עבור חשבונות פרישה, אנו גם מוודאים שהנאמנות היא “see‑through” כדי לשמר אפשרויות משיכה מדורגות.

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10. ביקורת משפחות משולבות – נאמנויות נפרדות והסכמי QTIP

אם יש לך ילדים מנישואים קודמים, נאמנות משותפת אחת עלולה לאפשר לבן/בת הזוג הנותר לשלול את ירושתם. אנו בודקים האם התוכנית שלך משתמשת בנאמנויות נפרדות או בהסכמי QTIP כדי להגן על ילדים מנישואים קודמים. כמו כן, אנו מוודאים שילדים חורגים מוכלים או מודרים במפורש כדי למנוע מחלוקות עתידיות.