Estate and Legacy Planning in New Jersey
Let’s talk about something nobody really wants to talk about: what happens to everything you’ve built after you're gone. It’s not fun, but it’s important. You have been successful because you are pragmatic and focused, but this may not be something you have been willing to embrace. But it’s always time, life can be predictable and plans are by design. Estate planning isn’t just for the ultra-wealthy—it’s for anyone who wants to protect their family, avoid conflict, minimize fees and taxes and make sure their wishes are followed.

And in New Jersey, it’s pretty nuanced, so you really want a plan that’s more than just having the proper beneficiaries listed on your accounts. What about your real estate, your personal property and perhaps the extension of your principles after you are gone.
New Jersey Estate Planning
Here’s the deal—New Jersey doesn’t have an estate tax anymore, but it does have an inheritance tax. And depending on who you’re leaving things to, that could be a big factor. Add in probate rules, blended families, real estate across state lines... and it gets complicated quickly.

If you’ve got a home in Bergen County, a summer place in Ocean or Monmouth County, and/or two or three kids with very different goals? Yeah, we should probably talk.
Estate and Legacy Planners New Jersey
We work with families up and down the state—people in Princeton, Ridgewood, Westfield, and beyond—who want to make sure their assets are protected and passed on the right way. Some just need a basic will. Others need trusts, business succession plans, or strategies to reduce taxes for their heirs.

There’s no one-size-fits-all here. That’s why we sit down, talk it through, and build a plan that actually reflects your values and your life.
What to Look For When Estate Planning
Estate planning is more than legal documents. It’s thinking through what really matters. Who should make decisions if you can’t? What do you want to happen to your business? Who takes care of your pets? (Yes, that’s a real question we’ve handled.)

You want someone who doesn’t rush you. Someone who explains things clearly and listens more than they talk. A solid estate plan should protect your family, reduce confusion, and leave a legacy you can feel proud of.
And don’t wait. We’ve had too many people come to us after something has happened, and there may have been some important steps or missed planning opportunities along the way.
Breakwater Capital Estate and Legacy Planning
At Breakwater Capital, we bring both strategy and heart to the table. We understand New Jersey’s estate laws, yes—but more importantly, we understand people. We’ve helped parents, partners, widows, and business owners figure out what comes next and how to make sure their wishes are honored.
Whether you’ve got a complex estate or just want to make sure your kids are taken care of, we’re here to help you get it done—without the overwhelm. No pressure, no confusing lingo, no checkbox planning.
If you’ve been meaning to get your plan in place, now’s a good time. We’ll walk you through it, step by step.
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.