You’ve poured time, effort, and sacrifice into building your business. But without a clear estate plan, all that hard work could unravel in the hands of tax rules, legal confusion, or family conflict. At Freeman Group Private Wealth Management, we help business owners develop estate plans that protect their legacy, provide clarity for loved ones, and ensure wealth is passed on with purpose—not problems.
Whether your wealth is tied to a corporation, real estate, or investment portfolio, our estate planning strategies for business owners are designed to reduce risk, minimize tax, and deliver peace of mind.
More than a will: Planning with precision
Wills are important, but they’re only one part of the puzzle. Small business estate planning needs to go further. You need to plan how, when, and under what terms your wealth—and your business—will be transferred.
Will your family take over the business? Should it be sold? Do you want your grandkids receiving an inheritance outright, or should it grow under the guidance of a trust?
Our role is to turn those questions into a clear, flexible strategy. We build estate plans that map your intentions in detail and evolve with your life, so nothing is left to chance.
Tax-smart estate planning for business owners
No one wants to see their estate eroded by taxes. Yet, without proper planning, that’s exactly what can happen. Capital gains, probate, and other liabilities can eat away at what you’ve spent a lifetime building.
Freeman Group specializes in tax-efficient estate planning for business owners. We use trusts, insurance, holding companies, and gifting strategies to reduce the tax burden on your estate—so more of your wealth goes where you want it to go.
Life insurance: A strategic tool, not just a safety net
Life insurance for high-net-worth individuals is a powerful estate planning tool. Its tax-free payout can provide much-needed liquidity at exactly the right time—when your estate is facing taxes, debt, or complex transitions.
Whether it’s used to:
- Pay capital gains taxes on real estate or private shares
- Equalize inheritances between children
- Support a surviving spouse
- Fund a buyout for a business partner
Life insurance ensures your family and business have the financial support they need—without forcing the sale of assets.
Wealth that empowers, not overwhelms
A sudden inheritance can create as much confusion as it does opportunity. That’s why we build estate plans that focus not only on transferring wealth, but preparing heirs to receive it.
By incorporating trusts and staged distributions, we help protect beneficiaries from financial missteps. More importantly, we encourage conversations that build understanding and financial literacy across generations—so your legacy isn’t just money, but meaning.
Charitable giving as part of your legacy
Estate planning is also an opportunity to reflect your values. Through charitable giving strategies—like donor-advised funds or gifting securities—you can reduce your taxable estate and leave a lasting impact on the causes you care about.
Whether you’re passionate about education, health, or community development, we help you give back in ways that are both strategic and heartfelt.
ClearEstate
As part of our commitment to simplifying even the most complex transitions, Freeman Group clients have access to ClearEstate—a digital estate planning and settlement platform available through IG. ClearEstate helps families navigate probate, documentation, and executor responsibilities with ease, offering a centralized tool to manage tasks, timelines, and legal requirements. This added layer of support helps reduce stress, prevent delays, and ensures your estate is handled exactly as you intended.
Estate planning that grows with you
Life changes. So should your estate plan. As your business evolves, your family expands, or your goals shift, we revisit and refine your plan to make sure it still fits.
At Freeman Group, estate planning is never a one-time task. It’s an ongoing process designed to adapt as your world does—keeping your intentions intact no matter what comes next.
Your estate quarterback
We don’t work in isolation. We coordinate with your accountant, lawyer, and other professionals to ensure every part of your estate plan is aligned and optimized. As your financial planning quarterback, we bring all the moving parts together, so nothing slips through the cracks.
We manage the details. You focus on the big picture—knowing your family, business, and legacy are protected.