Beyond a will
True estate planning coordinates wills, revocable trusts, beneficiary designations, and life insurance to minimize taxes, avoid probate, and transfer wealth on your terms. Arizona is a community property state - coordination matters.
When ILITs make sense
For estates approaching federal or state thresholds, an Irrevocable Life Insurance Trust (ILIT) can keep the death benefit outside the taxable estate while providing liquidity to pay any estate taxes due.
Common questions
Do I need a trust?
If you have minor children, real estate in multiple states, or assets above probate thresholds - often yes. We coordinate with your estate attorney.