As advisors, we know estate planning isn’t just about documents—it’s about people. A client’s wishes are only as strong as the team behind them. And in today’s world, where laws change, family dynamics shift, and assets are increasingly complex, the “team sport” nature of estate planning has never been clearer.
Clients rarely realize it, but you— their trusted advisor—are often the de facto team captain. How well you coordinate the players can make the difference between a plan that works and one that leaves their loved ones scrambling.
The Estate Planning “Team Roster”
Every solid plan involves multiple professionals, each covering a unique lane:
- Estate Planning Attorney – Drafts and maintains the legal documents that bring the plan to life.
- Financial Advisor – Ensures the client’s assets are properly aligned with their plan, investments are optimized, and beneficiary designations are correct.
- CPA or Tax Advisor – Provides proactive tax strategies and ensures filings and reporting are in sync with the plan.
- Insurance Professional – Adds a layer of protection with life, liability, and long-term care solutions.
- Trustee or Executor – Executes the plan when the time comes, often under emotional and complex circumstances.
When each professional works in a silo, gaps appear—assets go unfunded, tax opportunities are missed, or decision-makers are unprepared.
The Advisor’s Role as Team Captain
Clients often assume that once they’ve signed their estate plan, everything is set. We know better.
Here’s how you can step into a leadership role to protect your clients:
- Facilitate Collaboration
Encourage introductions and open communication between the attorney, CPA, and insurance professionals. A 15-minute team call can prevent years of future headaches. - Identify Gaps Before They Become Problems
Spot assets that aren’t titled correctly, outdated beneficiary designations, or funding steps that have stalled. The attorney can then step in to fix them before they become liabilities. - Keep the Plan Alive
Build estate plan check-ins into your client review cycle. Births, marriages, business changes, and new tax laws should trigger a quick audit of the plan. - Prepare the Bench
Ensure your client’s trustees, executors, and agents understand their roles in advance. Even a basic conversation can prevent confusion and conflict later.
The Outcome: Loyal Clients and Fewer Surprises
Clients feel an extraordinary sense of relief when they see their advisors working as a coordinated team on their behalf. Not only does it protect their family and legacy, but it strengthens your role as their most trusted relationship.
When you can say to a client, “Your team is in sync and your plan is ready for anything,” you’ve delivered the kind of value that earns trust for life.
