Estate and Legacy Planning in Massachusetts
Estate planning isn’t just about wills and paperwork—it’s about protecting the people you care about. In Massachusetts, where home values are high and estate taxes kick in earlier than most folks expect, it’s especially important to plan ahead.
At Breakwater Capital, we help families across the Commonwealth build plans that reflect their values, reduce tax burdens, and provide peace of mind.
Massachusetts Estate Planning
Here’s something a lot of people don’t realize: Massachusetts has its own estate tax, and the threshold is only $2 million. That might sound like a lot, but between your house, retirement accounts, and life insurance, it adds up faster than you'd think. Without a solid plan, your estate could face taxes that reduce what your loved ones receive.
Whether you live in the city or out in the suburbs, estate planning here is less about wealth and more about intention.
Estate and Legacy Planners Massachusetts
We’ve worked with families across Boston, Brookline, Wellesley, and the Cape—some with complex assets, others with simple wishes. But the common thread is always the same: people want to make sure their family is taken care of, their values are respected, and things don’t get messy after they’re gone.
Whether it’s helping you set up a trust, name a guardian for your kids, or think through charitable giving, we’re here to walk you through it all, without the overwhelm.
What to Look For When Estate Planning
A good estate plan should be more than just a binder full of documents. It should be something that evolves with your life and helps you sleep better at night.
You want someone who understands the state-specific laws in Massachusetts, especially how the estate tax might impact your family. You also want someone who listens—who takes the time to understand your goals and explains your options clearly.
The best time to plan is before you need it. But it’s never too late to start.
Breakwater Capital Estate and Legacy Planning
At Breakwater Capital, we bring experience, empathy, and a steady hand to a topic that’s often filled with stress. We help you think through the big decisions—who inherits what, how to minimize taxes, and how to avoid family conflict later on.
We’re not just here to check boxes. We’re here to build something that lasts, just like the legacy you want to leave behind. If you’ve been putting off estate planning, that’s okay. Let’s make it easier, together.
Let's Get to Work
If you’re in search of innovative wealth management solutions or are starting a new chapter in your financial life, let’s connect.