The Best Estate Planning Tool You’re Probably Not Using Yet: Why I Partner with Wealth.com
Want to learn how to retire without the worry of running out of money in retirement? Click here to watch this video
Why Listen to Me?
As a financial advisor, I’ve guided families through conversations that are some of the most meaningful—and let’s be honest—some of the most uncomfortable: what happens to everything after you're gone.
I’ve found that estate planning isn’t ignored because people don’t care about their family. It’s ignored because the process traditionally feels like a trip to the DMV — tedious, outdated, and full of paperwork you don’t understand.
That’s why I started partnering with Wealth.com — a modern, client-first estate planning solution. And I didn’t just sign up after seeing a slick pitch deck. I learned more about their values, mission, and technology when I was invited to a Braves game with them at Truist Park. That day, between innings and insights, I realized this wasn’t just another fintech. These were people who actually cared about changing the estate planning experience for real families.
This tool is now an essential part of how I help clients. And once we complete your plan through Wealth.com, you receive lifetime access to it — including a downloadable, attorney-reviewed PDF version that’s portable, secure, and valid across your life stages.
Summary: What You’ll Learn
- What Wealth.com is and how it simplifies estate planning
- Why most people delay or avoid this crucial step
- Unique features that make Wealth.com a no-brainer for families
- How it fits into your broader financial and legacy plan
- Why a will alone just isn’t enough anymore
- What happens after your plan is created — including lifetime access
What Is Wealth.com?
Wealth.com is a digital estate planning platform that removes the complexity, confusion, and cost from creating the most important documents in your financial life.
In my experience, traditional estate planning can feel like you're paying thousands for a 3-ring binder you’ll never open again. Wealth.com flips that.
Here’s what you can do on the platform:
- Create a legally binding will, revocable trust, power of attorney, and healthcare directive
- Collaborate with me (your advisor) or your attorney in real-time
- Update your plan anytime life changes — marriage, kids, new home, inheritance, etc.
- Store all of it securely in a digital vault you can access 24/7
And when you complete your plan, you don’t lose access or have to start from scratch when life changes. You get lifetime access and a downloadable plan that travels with you.
Why Most People Don’t Finish Their Estate Plan
After years of advising clients, I’ve noticed four recurring reasons people delay estate planning:
- It feels overwhelming
- They think it’s only for the ultra-wealthy
- They’re unsure where to start
- They assume they have time
But here’s the truth:
- If you don’t decide who takes care of your kids, the state will
- If your assets aren’t properly titled, they can get stuck in probate
- If your wishes aren’t documented, they can be ignored
And all this can lead to unnecessary stress, family conflict, and lost wealth.
Wealth.com solves these problems by making it easy, intuitive, and accessible. In fact, most families I work with finish their estate plan in less than a week.
5 Reasons Wealth.com Is the Best Estate Planning Tool You’re Not Using Yet
1. It’s Modern, Clear, and Actually Makes Sense
When I say this platform was built with regular people in mind, I mean it. You don’t need a law degree to understand the flow or your documents. The platform walks you through:
- Who you want to inherit your assets
- Who should care for your kids
- What medical choices you’d want if you couldn’t speak for yourself
And it does it in plain English.
Summary:
- No legalese
- No office visits
- No guesswork
2. You’re Not Alone — I Help Guide the Process
One of the most underrated features of Wealth.com is advisor integration. With your permission, I can:
- Review your documents for accuracy
- Align your estate plan with your investments, insurance, and tax strategies
- Help you think through decisions like trustees, guardians, and healthcare proxies
Pros:
- Holistic advice
- Alignment with your full financial plan
- Ongoing support as life changes
Cons:
If you're strictly DIY, you might miss key coordination insights
3. It’s Not “One and Done” — You Get Lifetime Access
This is one of my favorite parts to share with clients.
Once your estate plan is completed through Wealth.com, it doesn’t get locked in a drawer or hidden behind a law firm’s paywall. You have lifetime access to:
- Your documents in secure PDF form
- A digital dashboard to make updates
- The ability to add notes, updates, or beneficiaries as life changes
You own your plan. It evolves with you.
Pros:
- Always up to date
- Easy to revisit for life events
- Saves money vs. paying an attorney for every update
4. Real Families Use It — Not Just people with trusts
Let me give you a quick case study.
A couple in their 40s with two kids came to me with no plan at all. In one week, they:
- Created legally valid wills
- Established a revocable trust
- Set up guardianship instructions
- Completed their healthcare directive
They shared access with me, and we made sure it aligned with their investments and insurance policies. The peace of mind they felt? Immediate.
Summary:
- Fast and family-friendly
- Advisor-coordinated
- Future-proofed for changes
5. It Complements Every Other Part of Your Plan
Estate planning is not a separate topic — it’s the capstone of your wealth strategy.
Think about it:
- Your investments? Need beneficiaries.
- Your insurance? Needs alignment with your estate.
- Your tax plan? Your trust can protect your heirs from overpaying.
- Your retirement? Needs a plan to distribute income and legacy.
Wealth.com connects all these dots — and with advisor collaboration, we make sure nothing gets lost between the lines.
Pros:
- Fully integrated
- Supports long-term wealth transfer
- Builds confidence and clarity
Where This Fits Into Your Broader Financial Life
In my experience, the best financial plans don’t stop at “How much will I retire with?”
They go further:
- What happens if I’m incapacitated?
- Who makes decisions for my kids if I’m gone?
- Will my wealth bless my family or burden them with decisions?
Wealth.com is the bridge from strategy to security.
Conclusion: Estate Planning, Simplified and Strengthened
Estate planning is one of the most powerful tools in your financial toolkit — and Wealth.com makes it easier than ever to use. It’s:
- Digital
- Secure
- Legally sound
- Advisor-friendly
- Future-ready
Whether you’re protecting young kids, planning for your spouse, or organizing your legacy, this platform gets you there faster and more confidently.
Let’s stop putting this off. Estate planning is no longer about complexity — it’s about clarity, control, and peace of mind.
Want to learn how to retire without the worry of running out of money in retirement? Click here to watch this video
FAQs
Is Wealth.com only for wealthy families?
Not at all. It’s designed for families at every stage of life — whether you’re starting with your first home and kids or managing seven-figure assets.
Do I still need an attorney?
For complex estates, yes — and Wealth.com gives you access to legal experts if needed. But for most families, the platform provides everything you need to build a compliant, complete plan.
Can my advisor (you) view and help manage my estate plan?
Absolutely. With your permission, I can review your plan, coordinate it with your financial goals, and help you keep everything aligned.
What is UPL (Unauthorized Practice of Law)?
UPL occurs when an unlicensed individual applies the law—including statutes, case law, or legal principles—to a specific client’s situation.
UPL does not include discussing goals, objectives, family dynamics, or general legal principles. Clients are allowed to apply the law to their own situations, such as drafting their own wills or trusts.
How does Wealth.com help avoid UPL?
Wealth.com is designed to keep advisors compliant by:
Advisor-Client Firewall - Separate dashboards ensure clients make legal decisions independently. Advisors can’t access or modify clients’ private legal choices directly.
Can advisors help clients choose estate planning tools on Wealth.com?
Yes—but only in an educational or goals-based context.
Wealth.com uses a Goals-Based Approach, guiding clients through decisions with clear, goal-oriented questions. Advisors can discuss the implications of various options in general terms but should avoid customizing legal language for a specific client’s situation.
What happens if a client needs legal advice beyond Wealth.com’s templates?
Wealth.com offers Multi-Layered Support, providing:
• State-specific guidance from estate planning experts
• The option to request consultations with licensed attorneys
Why is the “firewall” so important?
The Advisor-Client Firewall protects both clients and advisors:
• Clients maintain control over their legal documents
• Advisors avoid inadvertently engaging in UPL
• Both parties stay compliant with state-specific regulations
What can advisors safely discuss without crossing into UPL?
Advisors can safely discuss:
• Family goals and dynamics
• General estate planning concepts
• The pros and cons of estate planning tools in broad, educational terms
• The importance of legal documents like wills and trusts
They should not:
• Draft legal documents on behalf of clients
• Customize legal clauses for a specific client
• Provide case-specific legal interpretations
Is Wealth.com a replacement for an attorney?
No. Wealth.com complements attorneys rather than replacing them. For complex estate needs, clients should consult licensed legal counsel.
What’s the biggest UPL risk for advisors?
Advisors risk UPL if they apply laws directly to a client’s facts or help draft specific legal language. Using Wealth.com’s structure helps advisors remain safely in the realm of education and guidance, not legal practice.
Key Takeaway
Wealth.com stays within UPL boundaries by:
• Keeping advisors and clients on separate dashboards
• Using a goals-based, educational approach
• Offering expert legal support for state-specific issues
• Ensuring clients, not advisors, make final legal decisions
Used properly, it’s a powerful tool for integrating estate planning into financial conversations without crossing the line into the practice of law.
Disclaimer: Case studies are hypothetical and do not relate to an actual client of Lock Wealth Management. Clients or potential clients should not interpret any part of the content as a guarantee of achieving similar results or satisfaction if they engage Lock Wealth Management for investment advisory services.