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Estate Planning

A Legacy That Reflects You

Estate planning isn't just for the ultra-wealthy. It's for anyone who wants to make life a little easier for the people they care about. Whether you want to make sure your home, savings, or personal belongings go to the right people, having a plan in place can make all the difference.

At RetireRight, we believe estate planning is about more than documents. It's about protecting your loved ones, honoring your values, and leaving behind a legacy that reflects who you are.


Why Estate Planning Matters

Without a plan, decisions about your assets, healthcare, or even guardianship of your children could be left to the courts. A thoughtful estate plan helps you stay in control, avoid unnecessary costs, and reduce stress for your family.

One of the most common and costly oversights we see involves inherited retirement accounts. Under current law, a non-spouse beneficiary who inherits a traditional IRA must empty the account within ten years and pay ordinary income tax on every dollar. For children or grandchildren who are already high earners, that can mean a significant and entirely avoidable tax bill. Coordinating your financial plan and estate plan together is what prevents that kind of outcome.

We will help you look at the full picture. From who receives what, to how your assets are managed, to the impact you want to leave behind.


Our Approach

We take the time to understand your goals and coordinate with your legal and tax professionals to help create a personalized, comprehensive plan. We serve families across Des Moines, West Des Moines, and the Dubuque tri-state area, working alongside estate attorneys and CPAs to make sure your financial plan and estate plan work together seamlessly rather than in isolation.

What we help with:

  • Will and Trust Planning
  • Minimizing Probate and Estate Taxes
  • Beneficiary Review and Account Structuring
  • Charitable Giving Strategies
  • Guardianship and Care Planning
  • Business Succession (if applicable)
  • Communicating Your Wishes to Loved Ones

Related Reading: Beneficiary Reviews: The Conversation That Could Protect Everything You've Built


Estate Planning Is for Everyone

Whether you are just starting to build wealth or entering retirement, it is never too early or too late to start planning. Your estate plan should grow and evolve with you. We are here to walk with you through each stage.


Frequently Asked Questions

Estate planning raises questions that are worth asking before you need the answers. Below are some of the ones we hear most often. If you would like to talk through your own situation, we are here for that conversation.

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Do I Need an Estate Plan If I Don't Have a Lot of Assets?

Yes. Estate planning isn't just about money. It's about making sure your wishes are clear and your loved ones are protected. Even a basic plan can provide clarity around who will manage your affairs, care for dependents, and receive your belongings.

What's the Difference Between a Will and a Trust?

A will outlines your wishes and goes through probate. A trust can help you avoid probate, maintain privacy, and manage how your assets are distributed over time. We can help you understand the pros and cons of each based on your specific situation and goals.

What Happens If I Don't Have an Estate Plan?

If you pass away without a plan, state laws determine how your assets are distributed, and it may not reflect your intentions. It can also create unnecessary stress, delays, and costs for your family at an already difficult time.

How Often Should I Update My Estate Plan?

We recommend reviewing your plan every three to five years, or after major life events such as marriage, divorce, the birth of a child, the death of a beneficiary, or a significant financial change. Beneficiary designations on retirement accounts and life insurance policies should be reviewed regularly as well. They override what a will says, which surprises many families.

Do I Need an Attorney to Create an Estate Plan?

Yes. An estate attorney is essential for drafting legal documents like wills and trusts. Our role is to help you prepare, clarify your goals, and make sure your financial plan and estate plan work together seamlessly. We coordinate closely with your legal and tax professionals throughout the process.


This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

Ready to take the next step in protecting what matters most?

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Let’s talk about how estate planning can bring you and your loved ones peace of mind.