Legacy Planning & Asset Protection:

Preserve Your Assets, Protect Your Family, and Plan for the Future

You’ve worked hard to build your home, savings, and retirement accounts. Legacy planning ensures that those assets are not only protected, but also passed on in a way that reflects your values and goals. At Capital City Wills & Trusts, PC, we help families create thoughtful estate plans that go beyond the basics, safeguarding wealth for children and future generations while supporting causes that matter most.

Why Legacy Planning Matters

Basic wills and trusts are important, but for many families, they’re just the start. Legacy planning allows you to:

  • Reduce taxes and preserve more for your family

  • Protect inheritances from creditors, divorce, or poor financial decisions

  • Support charities and causes you care about through structured giving

  • Pass down values along with assets

  • Gain peace of mind knowing your plan reflects your long-term goals

Tools for Legacy Planning & Asset Protection

Every family’s needs are unique. At Capital City Wills & Trusts, PC, we design legacy plans that fit your goals and resources.

Core Strategies:

These are common tools we help clients implement:

  • Charitable Remainder & Lead Trusts (CRTs/CLTs) — Support charitable causes while providing tax benefits and income for your family.

  • Qualified Personal Residence Trusts (QPRTs) — Preserve your family home and reduce estate taxes.

  • Credit Shelter Trusts (Bypass Trusts) — Maximize exemptions for married couples to minimize taxes.

  • Irrevocable Life Insurance Trusts (ILITs) — Keep life insurance proceeds outside your estate and provide liquidity for heirs.

  • In-Trust Distributions for Children — Protect inheritances by staggering distributions, adding safeguards, or creating incentive-based trusts.

  • Spendthrift & Incentive Trusts — Protect beneficiaries from creditors, divorce, or poor decisions, and encourage positive life milestones.

  • Values-Based Planning — Align your estate plan with your family’s values, education goals, or charitable vision.

Advanced Strategies:

For some families, advanced planning may be appropriate.

  • Grantor Retained Trusts (GRITs and GRATs) — Advanced gifting strategies that transfer asset growth out of your estate.

  • Family Limited Partnerships (FLPs) — A tool for managing family assets and succession planning.

  • Dynasty & Generation-Skipping Trusts (GSTs) — Preserve wealth for children and grandchildren while minimizing multigenerational taxes.

Our Approach

At Capital City Wills & Trusts, PC, legacy planning is about people, not just about numbers. We explain complex strategies in plain English, ensure your documents are practical and enforceable, and help you create a plan that preserves both wealth and purpose.

Take the First Step

If you want your estate plan to do more than just transfer property, we’re here to help you protect your family, reflect your values, and create a meaningful legacy.

Service Areas

Capital City Wills & Trusts, PC serves clients across California, with a focus on Sacramento, Placer, and El Dorado Counties, as well as the Bay Area.

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