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The Blueprint For Estate Planning (2026)

Estate planning has never been more complex. This guide walks you through the most effective strategies to maximize your Estates in retirement while minimizing your tax burden. Whether you are five years out or already retired, these strategies can help you keep more of what you have earned.

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Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., a SEC Registered Investment Advisor. Theorem Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.

WHAT'S INSIDE

What You Will Learn Inside

A chapter-by-chapter breakdown of the strategies covered in this guide

CH. 01

UNDERSTANDING ESTATE PLANNING

Learn what estate planning is, and why it can be beneficial.

CH. 02

THE CORE ESTATE PLANNING DOCUMENTS

What documents are most common when doing estate planning.

CH. 03

PROBATE, TRUSTS, AND HOW ASSETS TRANSFER

How will assets transfer to beneficiaries.

CH. 04

ESTATE TAXES AND WEALTH TRANSFER STRATEGIES

Learn about high value transfer strategies.

CH. 05

HOW PLANNING CAN REDUCE RMD TAXES

How to plan for taxes alongside estate planning.

CH. 06

COMMON ESTATE PLANNING MISTAKES

What common mistakes is there in estate planning.

WHO THIS IS FOR

This Guide Is Written For You If…

Age 50+ with meaningful assets (home, investments, retirement accounts)

Has not created or updated a will, trust, or beneficiary designations

Wants to ensure assets are passed efficiently to heirs

Concerned about taxes, probate, or legal complications

Has dependents, a spouse, or complex family dynamics (blended family, etc.)

Interested in minimizing taxes and maximizing what heirs receive

ABOUT THE AUTHOR

Written By the Team Behind Theorem Wealth

Theorem Wealth Management was founded on a simple premise: that the decisions made in the five years before and after retirement matter more than almost anything that comes before them. Our advisors have spent years working with clients navigating exactly this transition and this guide distils what we’ve learned into a framework you can apply to your own plan.

Fee-only fiduciary wealth management

Specialising in retirement transition planning

CFP® professionals with 20+ years combined experience

Published research in retirement income sequencing

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Get your copy of the Theorem Retirement Timing Guide and discover the five strategies that can protect your wealth in the critical decade before and after retirement.

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The Blueprint For Estate Planning (2026)

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Frequently Asked Questions

Estate planning is the process of organizing your assets and legal documents to ensure your wishes are carried out and your wealth is transferred efficiently after death.

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Yes, even modest estates benefit from having clear instructions, avoiding probate issues, and protecting loved ones.

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A will outlines how your assets are distributed, while a trust can manage and distribute assets during and after your lifetime, often avoiding probate.

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Your state’s laws will determine how your assets are distributed, which may not align with your wishes.

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Probate is the legal process of distributing assets after death, it can be time-consuming and costly, which is why many plans aim to minimize or avoid it.

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Want a Personalized Estate Planning Review?

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