Preservation Across Generations
Estate planning is often viewed as a legal exercise or concern for the ultra-wealthy. At Armbruster Capital Management, we see it as a necessity. Legacy planning is something anyone with even a modest amount of assets needs to revisit occasionally. Our role is to help ensure that the wealth you have built over your lifetime is transferred according to your values, maximized and protected for future generations, fulfills your charitable contributions, and that your heirs are not saddled with hefty estate taxes. We work alongside your legal counsel and tax advisors to help build and execute a process that protects your beneficiaries and honors your intent.
Navigating the New Estate Planning Landscape (OBBBA 2026)
The passage of the One Big Beautiful Bill Act has reshaped the estate-planning landscape for many families. With the federal estate tax exemption now elevated and indexed for inflation, our attention shifts from traditional tax avoidance to a more thoughtful, long-term stewardship of wealth. State-level estate taxes may still be a consideration based on your residence, but the broader focus is now on preserving your family’s legacy and intent.
Protecting Your "People," Not Just Your Assets
At its core, estate planning is designed to care for your loved ones and support organizations that embody your values. It ensures that your wishes are followed. As part of the process, we facilitate difficult but necessary conversations, including:
Guardian and trustee selection
Helping identify the right individuals or institutions who are best suited to carry out your intentions.
Heir preparedness
Supporting the next generation and educating them on the responsibilities of stewardship through family wealth.
The Fiduciary Standard in Legacy Planning
As a fiduciary, we do not sell life insurance or legal documents. We are legally responsible for acting in our clients’ best interests and executing your individual plan. We serve as the long-term “financial memory” for their family, providing continuity and clarity during sensitive life transitions.
Frequently Asked Questions
How does the One Big Beautiful Bill Act (OBBA) affect my estate plan?
The OBBA includes several tax law changes, including a higher standard deduction for many taxpayers. While those changes may affect your annual tax filing, estate planning should remain focused on protecting assets, providing for loved ones, and preserving your legacy. A review of your estate plan can help determine whether any updates are appropriate based on the latest tax rules.
Do I need estate planning if I'm not ultra-wealthy?
Yes. Estate planning isn’t just for the wealthy. Anyone with assets, dependents, or specific wishes for how their affairs should be handled can benefit from having a thoughtful plan in place.
Can you help me choose a guardian or trustee?
Yes. We help facilitate those conversations and evaluate who is best equipped to carry out your plans.
Do you draft wills or trusts?
No. As fiduciary advisors, we do not provide legal services or draft legal documents. Instead, we work closely with your estate planning attorney to help ensure your financial and legal strategies are aligned.
How do you prepare heirs to handle what they inherit?
We help educate the next generation about the responsibilities that come with wealth, not just the wealth itself. Our goal is to promote stewardship, informed decision-making, and confidence.