- Estate strategy design
- Retirement income mapping
- Asset alignment
PLANNING STRUCTURE
The Architecture Behind Coordinated Estate, Retirement & Financial Planning
Most financial plans end at retirement.
Our planning process begins with what happens after.
At ERFPE, planning is not fragmented across silos.
It is structured, coordinated and aligned across your entire financial life — from income to legacy.
Our planning process begins with what happens after.
At ERFPE, planning is not fragmented across silos.
It is structured, coordinated and aligned across your entire financial life — from income to legacy.
THE ERFPE PLANNING MODEL
An Integrated, Four-Pillar Framework
PLAN
Structure your financial and estate foundation
PROTECT
Protect income, assets and family
- Risk mitigation strategies
- Insurance integration (life, LTC)
- Asset protection review
PRESERVE
Preserve wealth across generations
- Trust structuring & funding alignment
- Tax-aware coordination
- Beneficiary coordination
PROVIDE
Provide clarity, continuity and legacy intent
- Income continuity planning
- Legacy distribution planning
- Family wealth transfer clarity
Key Principle:
Integration is not an add-on.
It is the foundation of effective planning
WHY INTEGRATION MATTERS
Traditional planning often separates estate, retirement and financial decisions.
That separation can lead to:
- Misaligned beneficiary designations
- Unfunded or ineffective trusts
- Income disruptions at death or incapacity
- Tax inefficiencies and delayed distributions
ERFPE Solution
ERFPE solves this through coordinated planning, not isolated decisions.
Understanding is the First Step. Coordination is the Next.
If these briefings have raised questions about how your current plan is structured — or whether key areas may be misaligned — a focused conversation can help bring clarity to your next steps.
15-Minute Focused Consultation — $39
A brief, targeted session to address specific questions and determine appropriate next steps.
Ideal for initial direction, second opinions, or clarifying a specific concern.
The consultation fee is applied toward services if you choose to move forward; otherwise, it covers the time and advisory guidance provided during the session.
If additional discussion is needed beyond this session, a separate consultation may be scheduled.
In-Depth Planning Consultation — $79
A deeper advisory session designed for individuals, families and professionals seeking a more comprehensive review of their current planning structure.
Best suited for those evaluating multiple areas of planning or seeking coordinated guidance across estate and retirement considerations.
Theo consultation fee is applied toward services if you choose to move forward; otherwise, it covers the time and advisory guidance provided during the session.
If additional discussion is needed beyond this session, a separate consultation may be scheduled.
Advanced Planning Consultation — $189
Designed for individuals with more complex estate structures, business ownership, multi-state considerations, or higher-value estates requiring a more strategic discussion.
Appropriate for those evaluating legacy planning, business succession, or advanced coordination across multiple planning areas
The consultation fee is applied toward services if you choose to move forward; otherwise, it covers the time and advisory guidance provided during the session.
If additional discussion is needed beyond this session, a separate consultation may be scheduled.
INTEGRATION PLANNING FRAMEWORK
| Planning Area | What We Evaluate | Why It Matters |
|---|---|---|
| Asset Protection Review | Exposure to probate, taxes and asset erosion | Protects what you’ve built |
| Retirement Income Stability | Income sustainability & market risk | Ensures income lasts |
| Trust & Estate Alignment | Trust structure + asset titling | Prevents breakdowns in execution |
| Beneficiary Coordination | Designations across accounts | Avoids unintended outcomes |
| Legacy Strategy | Wealth transfer efficiency | Preserves intent across generations |
| Insurance Integration | Life & annuity positioning | Supports liquidity and income continuity |
ERFPE ENGAGEMENT OPTIONS
Structured Planning Based on Complexity & Need
| Planning Level | Engagement Type | Ideal For | Investment |
|---|---|---|---|
| Foundation Planning | Trust Establishment & Funding Assistance | Individuals and families needing core estate structure | $3,500 – $4,200 |
| ⭐ Coordinated Planning (Most Common) | Coordinated Estate, Retirement & Financial Planning | Pre-retirees, retirees and professionals seeking alignment | $8,000 – $12,000 |
| Legacy Planning | Advanced Legacy & Business Succession Planning | Business owners, multi-state estates, complex wealth structures | $20,000 – $25,000 |
WHAT THESE ENGAGEMENTS TYPICALLY INCLUDE
Estate planning strategy design, coordination with licensed estate planning attorneys, revocable living trust structures, trust funding guidance and asset alignment, beneficiary coordination review, multi-state estate planning coordination when necessary, collaboration with financial professionals when appropriate, business succession planning if needed and charitable planning strategies when applicable.Retirement income strategy design, coordination of retirement assets with estate planning objectives, rollover guidance for qualified accounts, income sustainability analysis, annuity strategy evaluation where appropriate, tax-aware distribution planning, social security timing considerations, required minimum distribution strategies, income protection planning and integration of life insurance when aligned with legacy objectives.
TRUST ASSESSMENT TOOL
Which Type of Trust Is Right for You?
There are over seventeen types of trusts — and choosing the wrong one can create unintended consequences.
This assessment is designed to help identify:
- Your exposure to probate and estate taxes
- Whether a trust structure is appropriate
- The level of coordination required
- Gaps between your current plan and intended outcomes
How It Works
- Complete a short guided assessment
- Responses are reviewed within 24–48 hours
- Receive structured feedback aligned with your situation
WHO THIS PLANNING STRUCTURE IS DESIGNED FOR
Individuals & Families
- Individuals approaching or in retirement
- Families seeking structured estate planning
- Business owners planning succession
- Professionals with multi-state considerations
- Individuals with $500K+ to $15M+ in assets seeking coordination
CLOSING AUTHORITY STATEMENT
Having documents is one step.
Having investments is another.
But without coordination, outcomes can fall apart.
ERFPE was built to ensure your plan functions as intended, not just on paper but in real life.
ERFPE provides coordination, integration and strategy in estate and retirement planning. Legal documents are prepared by licensed attorneys in accordance with state law. ERFPE does not provide legal or tax advice.