Crafting Long-Term Confidence for the People and Causes You Care About
At Moisand Fitzgerald Tamayo, LLC, estate planning is about more than documents; it’s about making sure your wishes are clear, your loved ones are protected, and your wealth is managed and transferred in a way that matches your values.
As independent, fee-only fiduciaries, we help you bring structure and clarity to estate decisions by coordinating with your attorney and other professionals so your plan works in real life, not just on paper.
Estate Planning Simplified
Estate planning can become overwhelming with legal jargon, complex options, and uncomfortable conversations. Many people delay it because it feels complicated or because they assume it’s only for the ultra-wealthy. Our role is to simplify the process, clarify your options, and help you make confident decisions. With the right plan, you can reduce uncertainty for your family and create a smoother path forward.
What Estate Planning Means at Moisand Fitzgerald Tamayo
We help you build an estate plan that aligns legal documents with your overall financial strategy. Our approach includes:
Clarifying Your Goals & Priorities
We begin by understanding what matters most to you, whether that is providing for your family, supporting specific causes, maintaining a certain level of control, or making sure the right people are making decisions if you are unable to do so. From there, we help define the outcomes you want your plan to achieve, as well as those you want to avoid.
Coordinating With Your Estate Attorney
We do not replace your attorney, but instead, we work alongside them. Our role is to help you think through key decisions, understand how your documents are structured, and ensure everything aligns with your broader financial plan.
Beneficiary & Ownership Review
Many estate plans fall short due to outdated beneficiary designations or misaligned account ownership. We review these details carefully to help ensure your assets transfer according to your intentions.
Trust & Legacy Planning Guidance
When trusts are appropriate, we help you understand your options and how different structures may support goals such as control, privacy, tax efficiency, or multi-generational planning. We then coordinate with your attorney to implement the strategy.
Tax Aware Wealth Transfer Strategy
Estate planning often overlaps with tax planning. We help evaluate strategies that may reduce unnecessary tax exposure and support more efficient wealth transfer, particularly in more complex situations.
Ongoing Updates as Life Changes
Estate planning is not a one-time exercise. As your family, finances, or applicable laws change, we revisit your plan with you to help ensure it remains current and aligned with your goals.
Who We Serve
Our estate planning guidance is designed for individuals and families who want clarity, coordination, and confidence—especially as financial and family complexity grows. We tailor each plan to your stage of life, helping ensure your estate strategy evolves alongside your needs.
Mid-Career Professionals
Pre-Retirees
Retirees
Estate Planning for Mid-Career Professionals & Growing Families
Estate planning for mid-career professionals is often about building the foundation. We help you create guardianship plans, establish or update wills, review beneficiary designations, and ensure your assets are structured to protect your family. As your career and responsibilities grow, your estate plan should evolve with you.
Estate Planning for Pre-Retirees
Estate planning for pre-retirees focuses on aligning your financial plan with your long-term legacy goals. We help coordinate beneficiary strategies, evaluate trust structures when appropriate, and consider long-term care and tax implications—so your plan is prepared for the next phase of life.
Estate Planning for Retirees
Estate planning for retirees centers on clarity, efficiency, and ease for your loved ones. We help ensure your documents are current, your wishes are clearly defined, and your assets are positioned to be managed and transferred smoothly. The goal is to reduce uncertainty and create a more manageable path for your family during difficult times.
Each engagement begins with a thorough understanding of your family dynamics, asset structure, and goals—so your estate plan reflects what matters most to you.
Our Fiduciary Commitment
As a 100% independent, employee-owned firm, we are compensated solely by our clients through transparent, fee-only arrangements. We believe people can get better results when the recommendations they receive aren’t bought and paid for by an outside party. We do not receive commissions, product fees, or outside incentives. Our only allegiance is to your best financial interest.
That independence helps keep estate planning conversations grounded, objective, and focused on what truly serves you and your family.
The Tax Numbers You MUST Know
The tax code is complex. To manage your taxes, there are key numbers you MUST know! Regardless of your stage of life, our free guide highlights the most elemental of these numbers. Get it today. UPDATED FOR 2026!
(If you are a current MFT client and want access to this document please contact your client service manager.)
Start Your Estate Planning Journey
We believe clarity precedes confidence. If you’re ready to bring order and intention to your estate plan, let’s talk.
Schedule an introductory call to explore how we can help you coordinate your planning, reduce uncertainty, and build a legacy plan that fits your life.
Estate Planning FAQs
1. What is the difference between estate planning and a will?
A will is one part of an estate plan. A complete estate plan often includes beneficiary designations, account titling, powers of attorney, healthcare directives, trusts (when appropriate), and coordination across your full financial life.
2. Do I need an estate plan if my estate isn’t “large”?
Yes. Estate planning isn’t only about taxes—it’s also about protecting loved ones, avoiding confusion, naming decision-makers, and making sure your wishes are known and followed.
3. Do you provide legal services or draft estate documents?
No. We are not attorneys and do not provide legal advice. We work alongside your estate attorney to help clarify decisions, coordinate strategy, and align your legal documents with your financial plan.
4. How often should I update my estate plan?
Most people should review it every few years, and anytime there’s a major life change—marriage, divorce, new child or grandchild, relocation, business sale, or a significant change in assets or laws.
5. Can you help with beneficiary designations and account titling?
Yes. Many estate outcomes are driven by beneficiaries and how accounts are owned. We help review and coordinate these details so they match your overall intent.
6. What role do trusts play in estate planning?
Trusts can help with control, privacy, coordination, and in some cases tax planning—but they’re not always necessary. We help you understand when a trust may support your goals and coordinate with your attorney if it’s appropriate.
7. Who is a good fit for your estate planning guidance?
Our services are a strong fit for individuals and families who value coordinated planning and ongoing advice—especially when they have multiple accounts, business interests, complex family dynamics, or meaningful charitable and legacy goals.