Estate Planning

protect what you've built

Which estate plan do you have?

It’s a fair question.  Whether you realize it or not you have an estate plan, either the government’s plan or your own. Most people want their own estate plan. Let us show you how a properly funded, comprehensive, personal estate plan benefits you and protects your heirs.

Get in touch.

Protect What You’ve Built

How Does Estate Planning Help?

Estate planning ensures that your assets are distributed according to your wishes, minimizing taxes and avoiding legal complications for your heirs. It’s a way to protect your loved ones and ensure your legacy lives on. With our help, you can create a comprehensive plan that reflects your values and priorities.

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Asset Protection

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tax efficiency

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Will preparation

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Trust creation

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legacy planning

Plan Today, Protect Tomorrow

The Core Pillars of Estate Planning

Estate planning is about more than just distributing assets—it’s about protecting your legacy and ensuring your wishes are honored. At Horizon Pacific Insurance Solutions, our estate planning process is built on three core pillars: asset protection, tax efficiency, and personalized planning. Together, these pillars help you create a comprehensive plan that reflects your values and secures your family’s future.

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Asset Protection

Preserving assets and avoiding unnecessary delays and expenses is the foundation of estate planning. It ensures that you avoid probate and unwanted legal delays and hassle. With a properly funded, comprehensive living trust you can protect your estate, keep your assets private, plan for disability or incapacity and ensure that you can control how loved ones receive more of your estate.

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Tax Efficiency

Tax efficiency plays a vital role in estate planning. This pillar focuses on minimizing the tax burden on your estate, ensuring that more of your wealth goes to your beneficiaries rather than to taxes. We work with you to structure your estate in a way that takes advantage of tax laws and reduces liabilities, maximizing the benefits to your heirs.

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Personalized Planning

Personalized planning is at the heart of our approach to estate planning. This pillar ensures that your estate plan reflects your unique values, goals, and family dynamics. We work closely with you to understand your wishes and design a customized plan that honors your legacy, providing peace of mind that your loved ones will be cared for according to your desires.

At Horizon Pacific Insurance Solutions, we help you create a plan that ensures your legacy is preserved and your assets are managed according to your desires. Let’s work together to create a future that reflects what’s important to you.

Have some questions?

  • What is the difference between a will & a trust?

    A will outlines your wishes for after you pass, while a trust can manage your assets during your life and after your death. We’ll help you design a comprehensive living trust, including a last will and testament, durable powers of attorney for healthcare and finances, advanced directive or living will.  We will also help you properly fund your trust.

  • Do I need an estate plan if I'm not very affluent?

    Yes, estate planning is important for everyone, regardless of wealth. It also makes provisions for your disability or incapacity, empowering love ones with authority when needed most.

  • How often should I update my estate plan?

    It’s a good idea to review your plan every few years or after major life changes, like a marriage, birth, or significant financial change.