Estate Planning in St. Petersburg
Protect Your Family · Tax-Efficient Transfers
Estate planning is a foundational discipline for any household with real property, qualified retirement accounts, or named beneficiaries. Advanced Capital Management designs the financial and insurance components of the estate plan and coordinates with the client's attorney and CPA to ensure cohesive execution across legal, tax, and benefit structures.
Florida Estate Planning Stats — 2026
- 2026 federal estate tax exemption
-
$13.99M
2026 federal estate tax exemption
- Florida state estate tax
-
$0
Florida state estate tax
- Florida inheritance tax
-
$0
Florida inheritance tax
- Life insurance death benefit
-
Tax-Free
Life insurance death benefit
Sources: LIMRA Q1 2026, AnnuityAdvantage rate survey, ACM internal data.
Coordinated Wealth Transfer
ACM advises clients on beneficiary designation strategy, Irrevocable Life Insurance Trust (ILIT) funding, and tax-efficient asset transfer mechanics — designed to maximize the value transferred to heirs while minimizing probate exposure and estate tax incidence.
The firm coordinates directly with the client's estate attorney and CPA to ensure that wills, trusts, beneficiary forms, and insurance policies function as an integrated system rather than discrete instruments.
Estate Planning Services
- Beneficiary designation review and remediation
- ILIT structuring and life insurance funding coordination
- Tax-efficient asset transfer strategy
- Direct coordination with estate attorneys and CPAs
- Multi-generational legacy planning
Frequently Asked Questions
What is estate planning?
Do I need an estate plan if I don't have a lot of money?
Does ACM write wills and trusts?
What is a life insurance trust?
Coordinate the Financial Components of Your Estate Plan
Schedule a complimentary 20-minute review to evaluate beneficiary designations, life insurance positioning, and wealth transfer mechanics.