Luxury estate representing high-net-worth planning

Legacy Builders

Estate Planning forHigh-Net-Worth Families

Your family's wealth deserves a plan as thoughtful as the work it took to build it. We create comprehensive strategies that protect, preserve, and transfer your legacy across generations.

Our Approach to High-Net-Worth Planning

Every plan begins with understanding your family's unique goals, then building the legal architecture to achieve them.

Asset Protection

Multi-layered strategies to shield your wealth from lawsuits, creditors, and market volatility

Tax Efficiency

Minimize estate, gift, and generation-skipping taxes through proven legal structures

Generational Transfer

Ensure your wealth reaches the next generation intact, with clear governance and controls

Business Succession

Transition your business to family or key partners on your terms, with tax-efficient strategies

Charitable Legacy

Align philanthropy with tax strategy through foundations, donor-advised funds, and CRTs

Privacy & Discretion

Keep family wealth matters private through trust structures that avoid public probate

Planning by Asset Level

The right strategy depends on the complexity of your estate. We tailor our approach to your asset level.

$1M – $5M

Foundation-level planning with trusts, asset protection, and tax-efficient transfers

$5M – $10M

Advanced strategies including GRATs, SLATs, and family entity structures

$10M – $25M+

Comprehensive multi-generational planning with dynasty trusts and charitable vehicles

Comprehensive Planning Services

Sophisticated strategies designed for families who understand that true wealth is about more than money.

Irrevocable Trust Strategies

Sophisticated trust structures designed to remove high-value assets from your taxable estate while maintaining the flexibility your family needs.

Spousal Lifetime Access Trusts (SLATs)
Grantor Retained Annuity Trusts (GRATs)
Intentionally Defective Grantor Trusts (IDGTs)
Dynasty Trust Planning

Family Limited Partnerships & LLCs

Consolidate family assets, maintain management control, and leverage valuation discounts for efficient wealth transfer across generations.

FLP/Family LLC Formation
Valuation Discount Strategies
Annual Gift Programs
Operating Agreement Design

Tax-Efficient Wealth Transfer

Maximize the value transferred to heirs by minimizing estate and gift taxes through strategic use of exemptions, discounts, and timing.

Lifetime Gift Tax Exemption Planning
Generation-Skipping Trust Design
Installment Sales to Grantor Trusts
Qualified Personal Residence Trusts (QPRTs)

Business Owner Estate Integration

Align your business succession plan with your estate plan to ensure both your company and your family thrive after your transition.

Buy-Sell Agreement Coordination
Key Person Insurance Planning
Entity Restructuring for Estate Efficiency
Management Transition Roadmap

Charitable Planning

Structure your philanthropic vision for maximum impact and tax efficiency through vehicles designed for high-net-worth families.

Charitable Remainder Trusts (CRTs)
Private Foundation Formation
Charitable Lead Trusts (CLTs)
Donor-Advised Fund Strategy

Comprehensive Asset Protection

Layer multiple protection strategies to create a robust shield around your family's wealth — from Texas homestead laws to advanced trust structures.

Texas Homestead Maximization
Domestic Asset Protection Trusts
Insurance & Umbrella Coordination
Multi-Entity Liability Isolation

Why Families Trust Continuum Counsel

Attorney + CPA Under One Roof

Legal strategy and tax planning work together from day one, eliminating the communication gaps that cost families millions.

Complete Discretion

Your family's financial details remain private. We design plans that keep wealth matters out of public records.

Ongoing Stewardship

Estate plans evolve. We provide annual reviews and proactive updates as tax laws change and your family grows.

Begin Your Consultation

Every engagement begins with a confidential conversation to understand your family's goals, assets, and concerns. There is no obligation and no pressure.

Typically scheduled within 48 hours

Common Questions

Frequently Asked Questions

Quick answers to common questions

High-net-worth families benefit most from a multi-layered approach: Irrevocable Life Insurance Trusts (ILITs) for tax-free death benefit proceeds, Spousal Lifetime Access Trusts (SLATs) to use the estate tax exemption while retaining indirect access, Qualified Personal Residence Trusts (QPRTs) to transfer homes at discounted values, charitable remainder trusts for income and tax deductions, and dynasty trusts for multi-generational wealth transfer.

Comprehensive estate planning for high-net-worth individuals typically ranges from $5,000 to $25,000+ depending on complexity. This includes a revocable living trust, pour-over will, powers of attorney, healthcare directives, irrevocable trusts for tax planning, and entity structuring. The cost is minimal compared to potential estate tax savings — the current federal estate tax rate is 40% on amounts exceeding $13.61 million.

The 2024 federal estate tax exemption is $13.61 million per individual ($27.22 million for married couples). This exemption is set to sunset on January 1, 2026, potentially dropping to approximately $7 million per person. High-net-worth individuals should act now to lock in the higher exemption through irrevocable trusts. Texas has no state estate or inheritance tax.

Key strategies include: maximizing lifetime gifts using the annual exclusion ($18,000/person), creating irrevocable trusts to remove assets from your taxable estate, using valuation discounts through family LLCs or partnerships, establishing charitable trusts or donor-advised funds, funding ILITs with life insurance to pay estate taxes with tax-free proceeds, and making direct payments for education and medical expenses (unlimited, tax-exempt).

A revocable trust provides NO asset protection — because you can revoke it, creditors can access its assets. For true asset protection, you need irrevocable trusts (Domestic Asset Protection Trusts, Irrevocable Life Insurance Trusts) or properly structured LLCs. In Texas, combine irrevocable trusts with the state's strong homestead, retirement account, and insurance exemptions for maximum protection.

Ready to Protect Your Future?

Take the first step toward securing your legacy. Schedule a free consultation with our experienced team or contact us today to discuss your legal needs.

Call us directly: (888) 517-4575