Estate Planning · Detroit, MI
Estate Planning for Detroit & Michigan Families
60% of Americans die without a will. When that happens in Michigan, probate courts decide what happens to your home, your accounts, and your kids. Ten Point Financial Group helps Detroit families build complete estate plans. We help you pick the right documents. Our document partner prepares and reviews them, then ships them to your door. Your plan is set up to skip probate where possible and to work with your insurance and retirement accounts.
6 documents
Make up a complete plan
3-7%
What probate eats from estates
$15M
2026 federal exemption (per person)
Why Detroit
Estate planning isn't a will alone. It's the coordination of six core documents (will, revocable trust, durable POA, healthcare POA, living will, HIPAA), the right beneficiary designations on every account, and the integration of life insurance + retirement accounts. Most Detroit families have at least one piece wrong — outdated beneficiary, missing POA, will from 1998. We map your full estate and find the gaps. Then our document partner, Plan4TheFuture, prepares and reviews the documents you need and ships them to you. That can include a living trust, a special needs trust, a guardian nomination for your kids, or help settling a loved one's estate.
How we help
Will + Trust Coordination
Most homeowners need both. A will tells the court what to do. A trust skips the court entirely. We'll explain when each makes sense for your Michigan estate.
Revocable vs Irrevocable Trusts
Revocable for flexibility, irrevocable for asset protection or Medicaid planning. We'll explain the trade-offs and the right Michigan fit.
Powers of Attorney + Healthcare Documents
Durable POA, Healthcare POA, Living Will, HIPAA release. The 'what if I can't speak for myself' documents that prevent court-appointed guardianship.
Probate Avoidance Strategy
Michigan probate eats 3-7% of an estate and takes 12-18 months. We help structure your accounts and titling to skip the process entirely where possible.
Beneficiary + Account Coordination
Estate plans fail more often from a wrong 401(k) beneficiary than from a bad will. We audit every beneficiary across life insurance, retirement, and accounts.
Frequently asked questions
Are you a Michigan estate attorney?+
No. We're not attorneys, and we don't give legal advice. We help you figure out what your estate needs and explain the trade-offs. Your documents are prepared and reviewed by our document partner, Plan4TheFuture, and shipped to your door. If your situation needs a lawyer, like a family dispute, a lawsuit, or complex trusts for a large estate, we'll tell you.
Do I need a trust if I already have a will?+
Sometimes yes, sometimes no. Wills go through probate; trusts skip it. If you own a Michigan home, have minor children, or want to control how assets are distributed over time, a revocable trust is often the right tool. We'll walk through your specific situation.
What does Michigan probate actually cost?+
Typically 3-7% of the estate (court fees, attorney fees, executor fees), 12-18 months in duration, and public record. For an average Michigan home + retirement accounts, that's often $15K-$40K just in process costs — money that doesn't reach heirs.
Did the 2026 estate tax sunset happen?+
No. The One Big Beautiful Bill Act, signed July 4, 2025, set the federal exemption at $15M per person ($30M per married couple) starting in 2026. It rises with inflation and has no scheduled end date. Michigan has no state estate tax. So most Detroit families will never owe estate tax. Probate, incapacity, and the right beneficiaries still matter for everyone.
What about special situations — blended families, business owners, special needs?+
These cases need more than the boilerplate plan. We have experience coordinating estate plans around blended families, second marriages, business succession, and beneficiaries with disabilities. Bring the situation, we'll map the plan.
Learn more
Free estate planning consultation
Bring what you have today — current will, beneficiary forms, account list. We'll map gaps and propose what to add or fix.
Educational content only. Not financial, legal, or tax advice. All services are provided by licensed professionals. Coverage decisions depend on individual circumstances.