Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moMost people delay estate planning because it feels morbid — the result is probate, family disputes, and avoidable taxes. PeakWorth folds the four core documents and a gifting strategy into your plan so what you've built reaches your heirs cleanly, not the courts.
Modeled 10-yr gifting reduction (per heir)
$190K+ moved tax-free
Annual gift tax exclusion
$19,000/recipient
Cost of basic will (DIY)
$0–$200
Cost of revocable living trust
$1,500–$3,500
1) Will — names guardians for minors and distributes assets. 2) Durable power of attorney — lets someone manage finances if you can't. 3) Healthcare power of attorney + living will — medical decisions. 4) Updated beneficiary designations on every account (these override your will).
A will goes through probate (public, can take 6–18 months). A revocable living trust avoids probate, keeps things private, and lets assets transfer immediately. For estates over $500K or with real estate in multiple states, a trust usually pays for itself.
You can gift up to $19,000/yr per recipient (2026) without tax consequences. A married couple can gift $38,000/yr to each child, grandchild, or other beneficiary. Over a decade, this is a powerful estate-reduction tool for high-net-worth families.
PeakWorth projects your net worth to age 95, so you can see what's likely to remain at the end of the plan — the estate your documents will actually govern — and model a systematic gifting strategy against it inside the same simulation.
Because a couple can move $38,000/yr per recipient tax-free, a decade of gifting can shift $190K+ to each heir while you're alive, lowering a future taxable estate. PeakWorth shows that drawdown and the remaining legacy, turning estate planning into numbers rather than a someday checklist.
Generic articles can only go so far. PeakWorth runs every scenario against your real income, expenses, and goals — so you see the dollar-and-year impact of every decision before you make it.
Often yes — to avoid probate. Especially if you own a home or have significant assets in multiple states.
Within 30 days of marriage, divorce, birth of child, or death of a beneficiary. Outdated beneficiaries override even the most carefully drafted wills.
Every 3–5 years, or after any major life event.
Most won't — the 2026 federal estate exemption is $13.99M ($27.98M for couples), and inherited assets often get a stepped-up basis. The bigger risks are probate delay and outdated beneficiary designations, which override your will. PeakWorth helps you see the likely estate so you can plan gifting before it's an issue.
$19,000 per recipient in 2026 ($38,000 from a married couple) under the annual exclusion — with no effect on your lifetime exemption. Over a decade that's $190K+ per heir moved out of a future taxable estate, which PeakWorth can model against your projected net worth.
Calculators, true-cost pages, and audience playbooks across the PeakWorth network.
Built for
PeakWorth for age-gap couples
One retires first — the ACA, SS, and withdrawal math.
Built for
PeakWorth for divorced & widowed planners
A new financial life — built carefully, from here.
Decision guide
Buying a home
Rent vs buy, down payment, true cost — by the numbers.
Decision guide
Career & income decisions
Job change, equity, side income — the wealth math.
Built for
PeakWorth for life transitions
Marriage, kids, job change, inheritance — model every scenario.
Built for
PeakWorth for dual-income households
Joint planning, two careers, one optimal strategy.
PeakWorth is the financial decision engine for households — your Personal Financial Strategy OS, a real-time engine that calculates every decision's impact on your future. The Decision Hub, an AI advisor, and a live projection that show you exactly how each move shapes your wealth and your FI Age.
