Wealth is hard-earned, carefully cultivated, and deeply personal. But without a clear estate plan, even the strongest financial foundation can crumble. Taxes chip away at hard-earned assets. Family disputes fracture relationships. Critical decisions get left to chance.

At Scepanovic & Associates, we turn uncertainty into clarity with customized estate planning strategies for high-net-worth individuals—plans that secure your legacy, minimize tax burdens, and ensure wealth reaches the people and causes that matter most. 

Beyond a will: building an estate plan that works

Grandparents playing with their granddaughter

A will is important—but alone, it’s not enough. A will states who gets what, but a true estate plan controls how, when, and why wealth moves forward. Without structure, even the best intentions can unravel.

Will your children inherit their wealth before they’re ready? Will your estate be burdened with excessive taxes? What if your family business faces disputes or disruption?

Scepanovic & Associates designs estate plans that solve these problems before they arise. We create strategies that integrate tax planning, asset protection, and wealth transfer solutions—ensuring your estate moves efficiently and effectively through generations.

Tax-smart wealth transfers: minimizing losses, maximizing impact

You spent a lifetime building wealth—let’s make sure your family keeps more of it. Without careful planning, estate taxes, probate fees, and capital gains can drain your estate before your heirs see a dime.

Our tax-efficient strategies ensure your wealth moves exactly where it’s meant to go:

Life insurance: protecting your wealth with precision

For high-net-worth individuals, life insurance is more than a safety net—it’s a strategic estate planning tool. Without sufficient liquidity, your heirs may be forced to sell property, businesses, or investments to cover tax bills.

Life insurance solves this.

  • Tax-free payouts

    Unlike most financial assets, life insurance proceeds are delivered tax-free—ensuring your heirs receive the full benefit of your planning.

  • Covering estate taxes

    Life insurance ensures your heirs aren’t scrambling to sell assets under pressure to meet tax obligations.

  • Supporting surviving spouses

    We create life insurance solutions that provide reliable income for spouses, ensuring stability when it’s needed most.

Empowering heirs: preparing the next generation to succeed

An inheritance without guidance is a recipe for stress—or worse, squandered wealth. Money alone won’t prepare heirs for the responsibility that follows. 

We take education seriously. Scepanovic & Associates helps the next generation understand their inheritance, develop financial discipline, and make informed decisions. We structure trust payouts to ensure beneficiaries are prepared, gradually introducing them to financial responsibility. 

We don’t just pass down wealth—we pass down wisdom. 

Charitable giving: create impact that lasts

For many successful individuals, financial success brings a desire to give back. But charitable giving without strategy can mean missed opportunities for both impact and tax savings.

We help you turn generosity into strategy:

  • Donor-advised funds

    Create a family giving fund that encourages multi-generational philanthropy while maximizing tax savings.

  • Charitable trusts

    Set aside assets for charity while retaining income benefits for you or your heirs.

  • Legacy giving

    Fund scholarships, research initiatives, or community programs that carry your name and values forward.

Estate planning for business owners: keeping your life's work intact

If your wealth is tied to your business, your estate plan isn’t complete without a clear succession strategy. A poorly planned handoff can result in disputes, lost value, or even the forced sale of your business.

We ensure your business transfers on your terms:

  • Family succession planning

    We design transition plans that ensure family harmony, clarify leadership roles, and minimize tax burdens.

  • Management buyouts

    If trusted employees are your successors, we structure fair, tax-efficient buyout strategies.

  • Private business sale planning

    For owners seeking a third-party sale, we build structured agreements that maximize your business’s value while protecting your wealth.

Relationships that build security for generations

Estate planning is more than paperwork—it’s trust, continuity, and family protection. We’ve spent decades working with high-net-worth families, guiding clients through life transitions, business exits, and intergenerational wealth transfers.

That’s why families stay with us—not just for years, but for generations.

We know your story. We know your goals. And we’re committed to protecting what you’ve built.