IWP created a Non-Lawyer Estate Planning System ^sm/tm which addresses the estate planning elements which a lawyer won’t or can’t provide, for  those who want to:

• change existing estate plans
• ameliorate the consequences of unwinding estate planning tools,
• cut back commitments 
• switch the focus to "you first " 
• mitigate present certainty, flexibility, or preferability deficiencies
• be extricated from bad or failed arrangements
• or retrofit existing insurance portfolios

Estate planning elements which a lawyer won’t or can’t provide, including:

• Addressing nontax considerations, such as: avoiding will contests, equalizing bequests to children 
• Maintaining probate-free assets, such as: to assure privacy from other family members (when favoring/disinheriting heirs), or as a safe harbor against spousal election (in some states) 
• Minimizing ultimate family conflicts, as “implicit guarantors” /“problem preventers”   
• Guaranteeing a lump sum on death, or a set monthly income distribution to an heir 
• Using scalability solutions, such as:
  • testamentary vehicle alternative 
  • an update vehicle when clients don’t want to change underlying plan documentation , such as: a buy/sell agreement , or prenuptial agreement  
  • non-lawyer planning (such as: replacing existing tools, vehicles, and arrangements)
• Discounting wealth-preservation expenses/taxes/fees  

The non lawyer estate planning and solutions can be applied in any of the following:

1. lawyer INCLUSIVE estate planning (team approach to estate planning), as a standalone or working with the Trusts and Estates Attorney , or:
2. lawyer-only estate planning (lawyer as the centerpiece, minimizing the role of non-lawyer estate planners) as a standalone or working with the Trusts and Estates Attorney, to supplement the planning, or:    
3. non-lawyer estate planning, for those items a lawyer won’t or can’t provide as a standalone or working with the Trusts and Estates Attorney

Ways in which Non- Lawyer Estate Planning and Non-Lawyer Solutions are applied:

1. for people who want to cut back, or reconfigure to “you first”:
   
   (re) configuration of “legacy replacement vehicles,” defined as: coverages intended to make legatees whole, or:
   
   (re) configuration of  “trade down alternatives,” defined as: lower cost coverages , equivalents of the more valuable or desirable policies, which have fewer frills, lower value, and at a lower premium level, or:  
   
   (re) configurations of “Wealth Preservation Coverages” , allowing clients to keep wealth-preservation options open, including “zero-tax” plans (using “ replacement” versus “liquidity”  strategies; replacement defined as: making legatees whole such as:  replacing assets that have been or will be gifted or left by bequest to nonfamily heirs; liquidity defined as: providing funding to pay the tax), and paying some tax on the “first death”;
   
   Exclusive “wealth-preservation-configured coverages” are: “custom configured coverages that are used to synchronize plans with the client’s prescribed wealth preservation plan parameters, such as: appropriate prioritization, acceptable tradeoffs, risks willing to accept, comfort zone with consequences and methods, nonmonetary considerations (time and action), and monetary budget.”
   
   These coverages are used to fortify and augment plans with greater certainty, flexibility, and preferability in tandem; and can operate as a standalone or can be husbanded with an estate planning tool, strategy, or scheme.
   
   
2. for those who want to be extricated from estate planning tools , or retrofit insurance portfolio:
   
   (re) configuration of “unwinding vehicles” , defined as: coverages used when disentangling from overly engineered estate planning instruments, or:
   
   (re) configuration of “program completion vehicles” , defined as:  coverages which replace failed or incomplete estate planning instruments , such as: Grantor Retained Annuity Trusts, equalization programs, or gift giving programs.
   
   
3. for those who want to gain greater certainty, flexibility, and preferability in tandem : 
   
   providing simple solutions first, and preventing the need to be driven by tax considerations first:
   
   managing /transferring risk, contingency planning, and hedging, including:
   • Bottom- up planning : guaranteeing a minimum bequest to an heir, or shepherding and subsidizing an asset to a named heir
   • Ensuring that if the estate planning tools /schemes /vehicles/ entities fail, the heirs will get the same results as if the dispositive intent had worked out
     
     
   scaffolding/bracing initially, before all the wealth-preservation details have been decided;
   
   contrasting the relative suitability of an estate planning tool category , or relative suitability of a tool within the same category;
   • optimizing an estate planning tool by adding another issue into the cost benefit analysis to tip the scale, or ameliorating potential side effects
   • providing the “adaptor” that brings all the components in line with the plan