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· Est. MMXXI ·
A Boutique Registered Investment Adviser
Fee-Only · Fiduciary · Ponte Vedra, FL
Services · iv · Estate Coordination
· The annual audit · Folio Ch. VII ·

What the document says is what the accounts do.

Most estate plans fail quietly — not in court, but in the gap between what was signed and what was funded. We close that gap, and keep it closed.

· The quiet failure

An estate plan is two things: a set of documents, and a set of accounts. The attorney drafts the documents. The custodian holds the accounts. And in most families, no one is responsible for making them agree — so they don't.

None of this surfaces while you're alive. All of it surfaces at the worst possible moment — as probate, as a contested transfer, as a tax bill the plan was specifically written to avoid.

"A will that no one can execute is not a will."

Estate coordination is the discipline of keeping the paper and the accounts in agreement — every account, every designation, every year. It is unglamorous, annual, and the single highest-leverage hour of work in a wealth plan.

The documents say
The accounts do
The revocable trust holds the house
Title reverted at the refinance — never re-deeded
IRA passes per the estate plan
Beneficiary form still names a prior spouse
The brokerage account is in the trust
=
Titled correctly · verified this year
401(k) splits evenly between the kids
One child added before the second was born
· found in real audits · illustrative · ≠ caught by the annual audit
· The four disciplines

Four checks, run every year.

Chapter VII of your folio. Reviewed annually, recorded to the ledger.

i.

Beneficiary audit.

Every account, policy, and plan — IRA, 401(k), life insurance, annuity, HSA, transfer-on-death — checked against the estate plan’s intent. Beneficiary forms outrank wills; a stale form silently rewrites your plan.

Annual · every account · recorded to ledger
ii.

Trust funding.

A trust only controls assets that are titled to it. We verify the accounts, deeds, and business interests the plan assumes are in the trust actually are — and surface anything that drifted out through refinance, rollover, or oversight.

Titling verified · not assumed
iii.

Attorney coordination.

We work alongside your estate attorney — or introduce one — briefing them on the financial picture, reading the drafts, and catching what conflicts with the plan before it’s signed. We do not draft documents or give legal advice.

Your counsel · our brief · one picture
iv.

Digital estate.

The accounts with no paper analog — credentials, exchanges, domains, photo archives. Inventoried, access-planned, and written into the estate plan so they transfer like everything else, instead of vanishing.

Chapter VII linked · access planned
§

The documents, kept current.

Three pens: yours makes the decisions, Wealth.com's puts them into legal form, ours connects them to the money. None of them costs you extra.

YOU Decide who inherits, who decides for you, who cares for whom. Plain questions, answered in your own words — we sit with you for the hard ones.
WEALTH.COM An independent estate-document platform our relationship already covers. It turns your decisions into state-specific wills, trusts, powers of attorney, and directives — attorney-built, executed under your state's rules.
YOUR ATTORNEY Optional, always welcome. A complex estate still deserves counsel — your attorney can review or replace anything Wealth.com produces, and we coordinate either way.
US We never draft. We prepare you, connect the documents to the accounts — funding, titling, beneficiaries — watch their status inside BAFAos, and audit the whole chapter annually into Chapter VII of your folio.

Access to Wealth.com is included at no additional advisory fee, as filed in our Form CRS. Wealth.com is an independent service provider; Intellicapital does not provide legal advice or draft legal documents, and receives no compensation from Wealth.com.

· Will & revocable trust

Drafted and amended on the platform; funding verified by us.

· Powers of attorney

Financial and healthcare; refreshed when institutions demand currency.

· Healthcare directives

On file, shared with the people who would need them.

· Document vault

Executed copies in one place — yours, your family’s, and ours.

· The cadence

Reviewed annually. Triggered by life.

The audit runs on a schedule — and re-runs when something changes that the schedule couldn't see coming.

Every year

The full Chapter VII audit

Beneficiaries, titling, document currency, digital inventory — all four disciplines, results recorded to the ledger.

On life events

Marriage, birth, divorce, death, a sale

Each triggers an out-of-cycle review of the documents and designations the event touches.

On account changes

Rollovers, refinances, new accounts

The moments assets quietly fall out of trusts. Caught at the transaction, not at the audit.

On law changes

Thresholds, state law, SECURE-style shifts

When the rules move, we flag the households whose plans the move affects.

— Begin —

Find out what your plan actually says.

One conversation. Bring your documents — or just your questions. We'll tell you where the gaps are, even if you never hire us.

Book a Call  →
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