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 design complete estate plans — coordinated with the right estate attorneys, structured to skip probate where possible, and aligned with the insurance and retirement accounts they integrate with.
6 documents
Make up a complete plan
3-7%
What probate eats from estates
$13.99M
2025 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 Most Detroit families have at least one piece wrong — outdated beneficiary, missing POA, will from 1998.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, identify the gaps, and bring in an estate attorney to draft the documents we identify as needed.
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 financial professionals who coordinate with estate attorneys. We identify what your estate needs, help you understand the trade-offs, and refer you to a Michigan-licensed estate attorney to draft the actual documents.
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.
How does the 2026 estate tax exemption sunset affect me?+
The federal exemption (currently $13.99M per person) is scheduled to drop in half on Jan 1, 2026 unless Congress acts. For Detroit families with $5M+ in net worth, this is the planning window. We'll model the impact.
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.