Estate Planning · Michigan
Estate Planning for Michigan Families
60% of Americans die without a will. In Michigan, probate courts decide what happens to your home, your accounts, and your kids. Ten Point Financial Group helps Michigan families map the full estate plan. 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
Complete estate plan
3-7%
What MI probate eats
12-18 mo
Michigan probate timeline
Why Michigan
Michigan estate plans involve six core documents (will, revocable trust, durable POA, healthcare POA, living will, HIPAA), the right beneficiary designations on every account, and integration of life insurance + retirement accounts. Michigan probate eats 3-7% of an estate over 12-18 months — avoidable for most estates with the right structure. We find the gaps and help you pick the right documents. Our document partner, Plan4TheFuture, prepares and reviews them 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 + Revocable Trust Coordination
Most Michigan homeowners need both. Will tells the court what to do; trust skips the court entirely. We map what's needed, and our document partner prepares both.
Michigan Probate Avoidance
Funding the trust (home, accounts), POD/TOD designations, vehicle titling — the structural steps that skip Michigan probate court entirely.
Federal Estate Tax, After the Sunset That Didn't Happen
The federal exemption is now $15M per person ($30M per couple) from 2026, with no scheduled end date. Most Michigan families are well under it. If yours is above it, complex trusts like SLATs and ILITs are done with an estate attorney, and we'll tell you when you need one.
Beneficiary Audit Across Accounts
Estate plans fail more often from a wrong 401(k) beneficiary than from a bad will. We audit life insurance, retirement, annuities, bank accounts, and brokerage accounts.
Documents Prepared and Shipped to You
Our document partner prepares and reviews your documents and ships them to your door. Already have an attorney you trust? We're glad to work alongside them.
Frequently asked questions
Do you draft the estate documents?+
We don't draft them ourselves. We help you figure out what your estate needs and walk you through the trade-offs. Then our document partner, Plan4TheFuture, prepares and reviews your documents and ships them to your door. We're not attorneys and we don't give legal advice. If your situation needs a lawyer, like a dispute, a lawsuit, or complex trusts for a large estate, we'll tell you.
Do I need a trust if I have a will?+
If you own a Michigan home, have minor children, or want privacy, a revocable trust + pour-over will is usually the right combination. Wills go through probate; trusts skip it.
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 $15K-$40K in process costs — money that doesn't reach heirs.
Did the 2026 federal 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 Michigan families will never owe estate tax, but probate, incapacity, and beneficiaries still matter for everyone.
Learn more
Free Michigan estate planning consultation
Bring what you have today — current will, beneficiary forms, account list. We'll map the gaps, and our document partner will prepare what's missing.
Educational content only. Not financial, legal, or tax advice. All services are provided by licensed professionals. Coverage decisions depend on individual circumstances.