Estate Planning Assessment — Identify Your Gaps

The Estate Assessment is a structured review of your current estate plan. It identifies gaps in beneficiary designations, asset titling, trust funding, power of attorney, and liability exposure — the areas most likely to undermine a retirement plan that looks complete on paper.

5 minutes. No account required. Instant results. Based on the framework in The Retirement Plan Paradox by Dustin Wigington, RIA.

What the Assessment Covers

• Estate documents: Are they current and consistent with your wishes? Have they been reviewed since a major life event?
• Beneficiary designations: Do they align with your will and estate plan? Are they current after divorces, deaths, or births?
• Asset titling: Are assets titled to transfer as intended? Are there jointly held assets that could bypass your estate plan?
• Trust funding: Have assets been transferred into the trust? Is the trust funded or just a document on file?
• Power of attorney: Financial and healthcare authority if incapacitated. Is it current and accessible?
• Liability exposure: Gaps that could expose accumulated wealth to creditors, lawsuits, or unintended transfers.

What You Receive

A personalized assessment of your estate plan's structural integrity — not a generic checklist. The assessment identifies the specific gaps in your current plan and explains the implications for your retirement and your family.

The assessment is built on the same framework Rulicent uses in its Wealth Risk Review™ — the comprehensive planning process that precedes every investment strategy. It is free, takes approximately 5 minutes, and requires no account or commitment.

Why Estate Planning Matters for Retirement Investors

Estate planning is one of the most overlooked risks in wealth management. Most advisors focus exclusively on the portfolio. But there are more than 50 ways to lose wealth — and most of them have nothing to do with market performance. Beneficiary designation errors, unfunded trusts, titling mistakes, and missing powers of attorney can undermine decades of careful accumulation in a single event.

Rulicent addresses estate planning as part of a coordinated wealth risk review — not as an afterthought. The planning review is complete before any investment decision is made.