Plan Your Legacy, Not Just Your Portfolio
Smart investing protects your money while you’re here. Legacy planning makes sure it goes exactly where you intend when you’re not.
Schedule a ConsultationWhy This Matters
The share of Americans who currently have a will — down from 33% just three years earlier, per Caring.com’s 2025 Wills and Estate Planning Study.
More than half of Americans have no estate planning documents of any kind — no will, no trust, nothing on file.
Say having an estate plan is important, per Trust & Will’s 2026 Estate Planning Report — most simply haven’t done it yet.
Of people without a will say they’ve simply “not gotten around to it” — not that they’ve decided against it.
The Basics Everyone Needs
A will directs who receives what, names a guardian for minor children, and names an executor to carry it out.
Beneficiary designations on your IRAs, 401(k)s, and life insurance override your will. An outdated designation — an ex-spouse, a parent who’s since passed — is one of the most common, and most avoidable, estate planning mistakes.
Trusts can avoid probate, keep your estate private, and control how and when heirs receive assets — useful for minor children, special-needs beneficiaries, or blended families.
Power of attorney and a healthcare directive cover decisions if you’re incapacitated, not just after death.
When to Review Your Plan
- Marriage, divorce, or a new child or grandchild.
- The death of someone named as a beneficiary, executor, or guardian.
- Retirement, or a major change in account values or custodians.
- Simply not remembering the last time you checked — beneficiary forms are often filled out once, when an account is opened, and never looked at again.
Life Insurance as a Legacy Tool
A life insurance death benefit generally passes to your beneficiaries income-tax-free and outside of probate — making it one of the most direct ways to fund a legacy goal: an inheritance, a charitable gift, or liquidity so other assets don’t have to be sold quickly to cover estate costs.
As a licensed insurance consultant and insurance producer, Jason can review these strategies with you. Life insurance policies are issued by insurance companies and offered through his insurance agency, Sandos Life Inc.
How We Help
Review Your Beneficiary Designations
We audit what’s actually on file at your custodians today — not what you assume is still there.
Coordinate With Your Estate Attorney
We build the investment and insurance side of your plan to match the will or trust your attorney drafts — we’re not a substitute for one.
Explore Life Insurance for Legacy Goals
Through Sandos Life Inc., we review whether a death benefit can efficiently transfer wealth or cover estate costs for your family.
Organize your estate’s essential life-planning documents with Legacy Shield
Clients of Sandos Financial can use Legacy Shield, an online vault for organizing and sharing financial, insurance and estate planning documents with family and advisors, at no charge.
Create your Legacy Shield accountLegacy Shield is owned by SBLI, a life insurance company. Jason Sandos pays for a subscription to provide this tool to his clients. He sells life insurance through several insurance companies, including SBLI. If you create estate planning documents through the Estate Guru link inside Legacy Shield, SBLI pays him a referral fee. This is a conflict of interest. You are not required to use Legacy Shield, and you may use any attorney or service you choose.
Make Sure Your Plan Works the Way You Intend
Schedule a ConsultationThis page is for general education only and is not individualized legal, tax, or estate-planning advice. Wills and trusts require a licensed estate-planning attorney in your state. Statistics cited are from Caring.com’s 2025 Wills and Estate Planning Study and Trust & Will’s 2026 Estate Planning Report. Life insurance is issued by insurance companies and offered through Sandos Life Inc., an insurance agency, or by Jason Sandos as a licensed insurance producer. The insurance company pays a commission to him or to Sandos Life Inc. if you buy a policy, which creates a conflict of interest. You may buy insurance through any agent you choose.