What we do Estate Planning
Estate plans rarely fail on the drafting. They fail on the drift.
A trust nobody funded. A deed nobody retitled. A beneficiary form from a job you left years ago, quietly outranking every document you have signed since. Keeping all of that in agreement is the actual work.
What this covers
- Beneficiary audit
- Titling review
- Trust funding
- Attorney coordination
- Legacy structuring
- Family conversations
Why it drifts
The document is not the plan. The whole picture is.
Your attorney drafts. We make sure they are drafting from the right plan, and that everything sitting outside the binder still agrees with what is inside it.
Beneficiary designations on retirement accounts and insurance pass outside your will entirely. So does anything held jointly, and anything carrying a transfer on death instruction. When those disagree with your documents, they win. Finding that disagreement before it matters is the point of this work.
The work
What that means, specifically.
Beneficiary audit
Every account, checked against what your documents actually intend.
Titling review
How your property and accounts are actually held, not how you remember setting them up.
Trust funding
Confirming the assets really moved, not just that they were named.
Attorney coordination
Your attorney does the drafting. We make sure they’re drafting from the right plan.
Legacy structuring
Charitable and generational intentions lined up with the tax plan.
Family conversations
So the people it affects understand the plan long before they inherit it.
In practice
Reconciled once a year, in writing.
We check every account and every title against what your documents actually intend, list what disagrees, and take that list to your attorney. It is unglamorous work, and it is the reason estate plans hold up.
An illustration of how we track a household’s documents. It is not a client record, and it is not legal advice. Baldwin Financial does not practice law or draft documents.
The cadence
When the estate work happens.
Every year
A full reconciliation
Accounts, titling, beneficiaries and documents, checked against each other and against what you told us you wanted. Anything that disagrees goes on a list.
After a life event
Marriage, birth, death, divorce, a move
Any one of these can quietly break something your plan was built on, without anyone noticing. A move to another state is the one people forget.
When an account opens
Beneficiaries set at the start
The cheapest time to get a designation right is the day the account is opened. Almost every problem we find started as a form nobody finished.
When the law moves
Exemptions and state rules revisited
Federal exemption amounts and state rules change. A plan built around one set of numbers deserves a second look when those numbers move.
The platform
Somewhere your family can actually find it.
A plan nobody can locate is not a plan. Yours is built and held on Wealth.com, an unaffiliated estate platform whose partner attorney network covers all fifty states and the United States territories. The attorneys in that network draft and review the documents. We never write or edit them, and the platform is built so that we cannot.
Where a deed has to be prepared and recorded to get a trust funded, we also use EncorEstate Plans, whose deed service reaches most counties in the country. Nobody enjoys deed work. It is also the difference between a trust that holds your house and a trust that holds nothing.
Revocable trusts, pourover and standalone wills, financial powers of attorney, health care directives and guardianship nominations.
Encrypted storage with permissioned access, so your attorney, your executor and the people who will need it can actually reach it.
A flowchart of where every asset actually goes, rather than a paragraph you have to reconstruct.
What is owned by whom, across individuals, entities and trusts, in one view.
The family tree the decisions are being made against.
What a change would do, tested before anyone signs it.
The summary version, for your attorney, your CPA, or your children.
What is outstanding, who owes it, and a reminder when it slips.
Their AI reads estate documents you already have and summarizes what they actually say.
Wealth.com and EncorEstate Plans are unaffiliated third-party providers. Naming them is not an endorsement or a testimonial, and features described are theirs and may change. Wealth.com is not a law firm. Baldwin Financial, LLC does not practice law, does not draft or prepare legal documents, and does not provide legal advice.
What it costs
Three plans, priced before anyone starts.
These are the platform’s fees for preparing the documents, charged to you directly by Wealth.com. They are not ours, we receive no part of them, and they sit outside our advisory fee entirely. Complexity can move them, which is why each says from rather than a flat number.
Wills-based plan
From$750
For an estate that passes cleanly, where a will and the right authorities do the job.
- Last will and testament
- Financial power of attorney
- Advance health care directive
- Guardianship nominations
Individual trust
From$1,500
For one person with property, a business interest, or a reason to keep the transfer private.
- Revocable trust and pourover will
- Financial power of attorney
- Advance health care directive
- Guardianship nominations
- Funding and titling guidance
Joint trust
From$2,500
For a married couple who own most things jointly, where both halves of the plan have to agree.
- Joint revocable trust and pourover wills
- Powers of attorney for both spouses
- Health care directives for both spouses
- Guardianship nominations
- Funding and titling guidance
Every plan includes the whole platform. No starter tier, and nothing useful held back behind an upgrade. The vault, the estate flowchart, the balance sheet, the scenario testing, the reporting and the reminders come with all three, for as long as you are a client, at no additional charge.
Fees shown are starting fees charged directly to the client by Wealth.com, an unaffiliated third-party platform, for preparing estate documents through its attorney network. Baldwin Financial, LLC does not charge these fees and receives no portion of them, and they are not included in and are separate from Baldwin Financial’s advisory fee, which is described in our Form ADV Part 2A. Actual amounts depend on the complexity of your situation and are confirmed before work begins. Baldwin Financial, LLC does not practice law and does not prepare legal documents. Recording fees, notary fees and any charges assessed by a county or an attorney outside the platform are not included.
Questions we get
Asked often enough to answer here.
Do you write the documents?
No. Baldwin Financial does not practice law and does not draft or prepare legal documents. Your attorney does that. We do the planning and coordination around it, and we make sure your attorney has the full picture before they draft.
We already have a trust. Is that enough?
Only if it was funded. An unfunded trust is a set of instructions for assets it does not hold, and it is the single most common gap we find. Checking is quick, and worth doing this year rather than next.
Do we use our attorney or yours?
Either. Most clients keep the attorney they already trust and we work alongside them. If you do not have one, we can introduce you to several and you choose.
What does an estate plan cost?
A wills-based plan starts at $750, an individual trust at $1,500, and a joint trust at $2,500. A wills-based plan starts at $750, an individual trust at $1,500, and a joint trust at $2,500. Those fees are charged directly by Wealth.com, the unaffiliated platform that prepares the documents. We receive none of it. Our own advisory fee is separate and is set out in our Form ADV Part 2A.
Do we pay extra for the platform?
No. Every plan includes the whole platform, and it stays available for as long as you are a client. There is no starter tier and nothing useful held back behind an upgrade.
What is Wealth.com and why do we have a login?
It is the unaffiliated platform we use to hold and organize estate documents, beneficiaries and titling in one place, so you and your family can find them without calling anyone. Your login is yours, not ours.
Keep going
The other three.
We do not offer these separately. They are four views of the same set of decisions, which is the whole reason they sit in one relationship.
An invitation
One conversation is usually enough
to know whether this is worth continuing.
Thirty minutes, by video, phone, or in person in downtown Oklahoma City. Nothing to prepare and nothing to bring.
What the thirty minutes look like
- 01
You talk. What you own, what you owe, who depends on you, and whatever is coming up that you have not solved yet.
- 02
We tell you what we see. The two or three things we would look at first, and why those and not the rest.
- 03
You decide, on your own time. If we are not the right fit, we will say so and point you toward someone who is.
Or reach us directly
- Phone
- (405) 266-7856
- Serving
- Oklahoma City, Edmond, and clients who have moved away