What you leave behind should arrive exactly as you intended.

SERVICES · LEGACY PLANNING

I help families use life insurance and annuities to pass on what they’ve built, to the right people, without confusion or delay.

Schedule a Beneficiary Review

You
Your savings & policies
Spouse
Primary
Children
Contingent
Grandkids
Next in line

START HERE

The simplest part of a legacy is also the most overlooked

Life insurance and annuities pass directly to the people named on the form, not through your will. That makes them powerful, but only if the forms are current.

Bring your policies and we’ll walk through this list together.

The 5-minute beneficiary check
Is a former spouse still listed?
Forms don’t update themselves after a divorce.
Do you have a backup beneficiary?
If your first choice passes first, a contingent keeps things simple.
Did you name “my estate”?
That can send money through probate.
Is money going directly to a minor?
A court may need to step in to manage it.
Does it match your will or trust?
Beneficiary forms usually override what your will says.

Book a free policy review

HOW I CAN HELP

Three ways to pass it on

I
Life insurance for your heirs
A death benefit that is generally paid income-tax-free, directly to the people you name. It can replace income, cover final expenses, or create an inheritance.
II
Annuity death benefits
Many annuities let you name beneficiaries, so any remaining value passes directly to them and typically avoids probate.
III
Beneficiary reviews
A regular look at the beneficiaries on your life insurance and annuity policies, so they always match your wishes.

FAIR-SHARE INHERITANCE

One farm. Three kids. A fair way forward.

When a home, land or family business goes to one child, the others can end up with much less. Life insurance can help you leave something of similar value to everyone, without selling what you’ve built.

Hypothetical example

Child 1 · Family farm$600,000

Child 2 · Life insurance$600,000

Child 3 · Life insurance$600,000

For illustration only. Not based on any actual client. Coverage amounts, costs, and eligibility depend on underwriting and your individual situation.

GOOD TIMES TO CHECK IN

When life changes, your beneficiaries should too

Marriage or remarriage
Divorce
A new child or grandchild
Loss of a loved one
Retirement
Every few years

Your attorney writes the plan. I help make sure your policies follow it.

PART OF YOUR TEAM

I’m glad to coordinate with your estate attorney and tax professional so everything points in the same direction.

Schedule a Free Review

Graham Financial LLC does not provide tax, legal, or estate planning advice. Please consult your attorney or tax professional about your specific situation.

Or call (405) 609-7255