Most advisors don't realize there's a liquidity gap—lasting weeks, sometimes months—that traditional estate planning doesn't solve. Take the free assessment to see how prepared your practice is—and what you can do about it.
Start the Free AssessmentYour clients have done everything right. Revocable trusts. Properly titled accounts. POD and TOD designations. Updated beneficiary forms. But when they die, none of it helps their families immediately.
Even with death certificate in hand, banks require verification, forms, notarization. Joint accounts get frozen pending review. The process takes weeks.
Standard life insurance payouts aren't immediate. Claims must be filed, reviewed, and processed. Contestability periods add more delays.
Successor trustees need authority recognized. Custodians have their own paperwork timelines. Nothing releases fast.
While families wait for the system to catch up, expenses keep coming:
of families pay these expenses out of pocket while waiting for accounts to release.
Joint accounts seem like the easy fix—until you factor in creditor exposure, Medicaid risks, and the liability your clients take on. There's a reason estate attorneys advise against them.
Two-thirds of beneficiaries fire their parent's financial advisor within the first year of inheriting.
Families remember who helped during their worst moment—and who didn't.
Advisors who can deliver immediate liquidity become indispensable to the inheriting generation.
The advisor who shows up with a solution during crisis doesn't just help the family. They earn trust that lasts a generation.
Take the 3-minute assessment to see where you stand on beneficiary engagement, liquidity planning, and retention risk. Get personalized insights and learn how top advisors are closing the gap.
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