The essential documents most people know they need, and most people do not have.
6 in 10 adults have no will or estate plan. Not because they do not care, and not because they do not understand why it matters.
The largest transfer of wealth in history is happening right now. An entire generation is retiring, and most of them are handing what they built to their families with no plan for how it gets there.
What happens when there is no plan
When somebody dies without a plan, the state decides what happens. The estate goes through probate, a public court process that can run for months and sometimes more than a year.
Without clear direction, simple things get complicated. Accounts get tied up, bills wait longer than they should, and decisions that used to be easy fall to people who are left guessing. It is a lot easier on everyone when the plan is already written down.
Most of us have seen the stories. A well known family's estate stuck in court, or headlines about a public figure whose wishes never got written down. It does not have to play out that way.
The part that changed
Nobody needs convincing that this matters. Most people already know they should have it done. They just have not found a way to do it that is not complicated or expensive. That is the part that changed.
What a complete set of documents includes
A will
Spells out who gets what, and names the person who carries out your wishes.
A financial power of attorney
Gives someone you trust the authority to manage your finances if you are ever unable to.
A health care directive
Puts your medical wishes in writing and names someone to speak for you when you cannot, including the HIPAA authorization so they can actually access your medical information.
Correct beneficiary designations
The names on your accounts often carry more weight than your will does, so it is worth making sure they are current.
A trust, where one fits
Not everyone needs one, but when it fits it can do things a will simply cannot.
You are not buying software.
Wealth.com is built for financial firms to deliver estate planning to their clients. It is not a consumer product you can go and buy on your own.
Legacy Income Advisors is a Wealth.com partner firm. John licenses the platform and delivers it to his clients directly, which is the reason this is available here at all.
So what you are getting is not a login. It is a firm that already knows your income picture walking you through your documents on a platform most people cannot access on their own.
Wealth.com works with thousands of wealth management firms. Legacy Income Advisors is one of them.
What Wealth.com is, plainly
It is an online estate planning platform. You answer guided questions and it produces your documents, built on templates attorneys have reviewed for your state.
Someone from our team guides you through it, so you are not left figuring out software on your own.
Most people finish in a single sitting, at their own convenience, and they can pause and save at any point.
You retire and move to Florida.
Someone retires and moves down to their place in Florida. Their will was written for Pennsylvania's rules, and Florida does some things differently. Who can serve as your personal representative, how your home is treated, what makes a will easy for the court to accept. A move is exactly the moment documents should be updated.
Normally that means starting over with an attorney, another appointment, another bill, another few weeks of waiting.
On this platform they update their state, answer a few new questions, and regenerate an updated will the same day.
What comes with it
A secure digital vault
Your documents stored in one place, where the people who will need them can actually find them.
Updates as life changes
A new grandchild, a divorce, a change of mind about who gets what. You go back in and update it, rather than starting again.
Some families also look at protection for the care years. Read how we think about that.
The moment it stops being something for later
A child turns 18
They are legally an adult now, which means you can no longer access their medical records in an emergency without the right documents in place. This one surprises almost everybody.
A parent starts needing help
Most people first think about their own documents while they are sorting out a parent's.
A move, a marriage, a new grandchild
Any of these can leave an old will out of step with your life.
Someone close passes away
It is the most common reason people finally call.
Read more on each document
Wills
A clear, valid will so your wishes, not the state, decide how your estate is distributed.
Trusts
Revocable trusts and asset transfer planning that support privacy, control, and smoother transitions.
Power of Attorney
Trusted people named to manage your financial affairs if you cannot, without court involvement.
Advance Health Care Directives
Your medical wishes written down, and a health care proxy named, so your family is not left guessing.
Most people finish and say the same thing. I finally did this.
See How Wealth.com Works
Watch how Legacy Income Advisors uses Wealth.com to guide clients through the estate planning process.
Estate planning documents are produced on the Wealth.com platform using templates reviewed by attorneys. Final documents should be reviewed with qualified legal counsel.
Get your documents in order.
A conversation about your family and what you want to happen.