Estate Planning to Protect Your Loved Ones
By Copper Financial | Retirement Education
September 1, 2025
Planning for your family’s future is an opportunity to help ensure their financial security and peace of mind. An estate plan is a powerful tool that allows you to provide lasting financial protection for your family. By working with a trusted advisor, you can navigate the complexities of estate planning with confidence, knowing that your unique family needs will be thoughtfully addressed.
There are many variables to consider when planning for your family’s future. A well-crafted estate plan should focus on your specific goals and circumstances. Life insurance, along with a will or trust that guides the distribution of your assets, are essential tools in the estate planning process. With the right guidance, you can create a plan that reflects your values and leaves a legacy that ensures your family’s financial peace of mind.
Wills
A will is an essential document that specifies how assets will be distributed after death. It allows you to appoint an executor to carry out your wishes or appoint a guardian to care for your children and manage any financial assets left to them.
If you don’t have a will in place, the court system will divide your money, property and other assets among your heirs. This could result in your assets being divided in a way that goes against your wishes.
Trusts
A trust is an effective way to manage and protect your assets for your surviving family members. This powerful tool enables a third party, called a trustee, to manage your assets according to your instructions.
There are two primary types of trusts – revocable and irrevocable. A revocable trust allows you to retain control over your assets and make changes as needed, making it a flexible tool for estate planning. Irrevocable trusts, while offering significant tax benefits, require you to give up control over the assets. Both types of trusts still ensure that your assets are distributed according to your wishes.
Other specialized trusts can be set up to address specific needs, such as caring for a loved one with special healthcare requirements or providing for children from previous relationships.
When Should You Start Planning?
Estate planning is often prompted by a major life event such as marriage, the birth of a child or a health concern.
Contrary to common belief, you don’t need a large amount of money to begin the estate planning process. The key to a successful estate planning process is to have a plan in place to protect your family.
Take the Next Step
Estate planning begins with a simple conversation. Copper Financial is here to support you as you plan for your family’s financial future. We will help you find the best solutions for your family, giving you financial peace of mind today, and for years to come.
Begin Building Your Estate Plan: Talk to one of our Wealth Advisors to help plan for your legacy. We will analyze your estate and consider ways to allocate your assets in a way that protects your family and carries out your wishes.
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Disclosures
Neither Copper Financial nor its associated persons are attorneys or tax advisors and cannot offer legal or tax advice. Consult with an attorney before making any changes to your estate plan and speak with a qualified tax professional for tax advice.
Securities and advisory services offered through Copper Financial Network, LLC (“Copper Financial”), a broker-dealer and SEC registered investment adviser. Member FINRA/SIPC. United Nations Federal Credit Union (“UNFCU”) has contracted with Copper Financial to make non-deposit investment products and services available to its members. Representatives are registered with Copper Financial. UNFCU is not a broker-dealer or investment adviser and is not affiliated with Copper Financial. UNFCU Advisors, LLC (“UNFCUA”) is also not affiliated with Copper Financial. All Copper Financial written communications, forms, and literature are required to be in English.
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Copper Financial accounts are subject to the fees outlined in the applicable Advisory Brochure, Regulation Best Interest Disclosure and/or Brokerage Fee Schedule available on our website.
*Not all Copper Financial products and services are available in all locations. You may be referred by UNFCU to an unaffiliated independent financial advisor outside of the United States based on your location and the type of account you are interested in.
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Copper Financial Network, LLC (“Copper Financial”) has an agreement with United Nations Federal Credit Union (“UNFCU”) whereby Copper Financial offers investment products and services to members of UNFCU that are referred to Copper Financial by UNFCU or its affiliates. UNFCU and its affiliates are not clients of Copper Financial. In exchange for the referrals from UNFCU and its affiliates, Copper Financial pays UNFCU a referral fee, which represents a portion of the commissions and fees generated from investment advisory accounts, brokerage accounts, and insurance contracts opened and maintained by members of UNFCU. The referral fee is paid to UNFCU as long as your accounts are open with Copper Financial and UNFCU and Copper Financial maintain their agreement. Contact compliance@cu.financial to obtain the specific range of the referral fee paid by Copper Financial to UNFCU. The financial professional who recommends investment products and services to you is an employee of Copper Financial and the amount of compensation the financial professional receives is determined by Copper Financial.
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