Pass it on intentionally, not by accident.
When most of your wealth is a business or a building, your heirs can inherit the value and still be short on cash.
The Problem
Valuable is not the same as liquid.
Estate taxes, settlement costs, debt and the business’s own obligations come due in cash, often within months. Commercial property and private company shares can take a year or more to sell, and rarely at full value under pressure.
There’s a second problem: fairness. If one child runs the business and two don’t, splitting the company three ways can put siblings in business together who never wanted to be partners. Planning lets the business go to the person running it and the others receive equal value another way.
Estate Liquidity Estimator
Will your heirs have the cash?
A rough look at federal estate tax and settlement costs against the liquid assets your estate would have on hand.
Uses the 2026 federal exemption of $15 million per person. For married owners, estimates tax at the second death using both exemptions ($30 million). Texas has no separate state estate tax.
Legal, appraisal and administration costs. Your attorney can refine this.
Estimated Picture
Hypothetical and simplified for education. Assumes current federal law (2026 basic exclusion of $15 million per person, 40% top rate), no prior taxable gifts, no charitable deductions and, for married owners, full use of portability. Actual estate tax depends on valuation, deductions, prior gifts and planning. This is not tax or legal advice; consult your estate attorney and CPA.
How We Solve It
Liquidity at the right moment, in the right hands.
- Estate liquidity planning. Insurance-funded cash, often on two lives for married owners, timed to arrive when estate costs come due.
- Inheritance equalization. The business goes to the child who runs it; the others receive equal value without becoming co-owners.
- Co-owned property planning. Funding so surviving co-owners of a building can buy out a partner’s heirs on fair terms.
- Coordination with your estate attorney. Ownership and beneficiary designations aligned with your trusts and documents, including trusts your attorney drafts to keep proceeds outside your taxable estate.
What You Receive
Your Legacy & Liquidity Snapshot
A clear view of what your estate would owe, what it has on hand, and what each heir would actually receive, plus the options to close the gap and the cost of each.
For Your Estate Attorney
We don’t draft wills or trusts. We bring the liquidity strategy and coordinate it with the documents you and your attorney put in place, so ownership, beneficiaries and trust provisions work together.