Blog

<h3>Why Education Still Matters</h3> Although 82 percent of Americans say estate planning is essential, only 32 percent actually have a plan in place, and the rate fell six percentage points this past year (Caring.com, 2024). The predominant reason cited? Most people acknowledge that they “don’t know where to start.” Our seminars solve that problem in ninety focused minutes.<figure id="figure-vxzu2i8gbemdf48ssu"><iframe id="vxzu2i8gbemdf48ssu" src="https://www.youtube.com/embed/RnOhJ7TtHFg" class="w-full bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9" allow="autoplay; encrypted-media" allowFullScreen="" data-url="https://youtube.com/shorts/RnOhJ7TtHFg?si=FJ1oMGnhVgPAJt_u" data-corners="default" data-fullWidth="false"></iframe></figure><h3>The High Cost of Waiting</h3> Legal fees: Even straightforward Arizona probate cases typically cost $2,000–$5,000 in attorney fees alone (Trust &amp; Will). Time: A routine probate cannot close in less than five months and often drags on for a year or more. Privacy: Probate filings are public record, meaning anyone can read the details of your estate. A living trust, powers of attorney, and proper asset titling can help bypass most of those headaches, but only if families take action before a crisis occurs.<h3>How Seminars Bridge the Knowledge Gap</h3> At RJP, our Seminar workshops allow you to listen to an expert, ask questions in real-time, and leave with actionable next steps. That interactive setting turns intimidating jargon into a practical plan. Your questions can be answered, and your plan can start being prepared.<h3>What Makes RJP’s Seminars Different?</h3><ul><li>Frequency: Complimentary, 90-minute sessions every Tuesday and Thursday (we move to once a week, June–July).</li><li>Curriculum: Wills vs. living trusts, powers of attorney, probate myths, tax-efficient transfers, and asset-protection strategies.</li><li>Locations: Multiple Phoenix- and Tucson-area venues, so you’re never far from a seat. <a data-mce-href="https://rjpestateplanning.com/seminars/" href="https://rjpestateplanning.com/seminars/" target="_blank" rel="noopener">Check out our website for the various cities we cater to</a></li></ul><figure id="figure-xj63av82egmbtpwiuu"><img id="xj63av82egmbtpwiuu" src="https://cdn.durable.co/blocks/1dZHI3qXkJCv5yAhRFoyH8clECGdOnP7OZVaPlmxvhzYVe13Baw87AvZSRJH5OKE.png" alt="" title="" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 3/2; object-position: center center;" data-corners="default" data-aspect="3:2" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/1dZHI3qXkJCv5yAhRFoyH8clECGdOnP7OZVaPlmxvhzYVe13Baw87AvZSRJH5OKE.png" data-mce-style="aspect-ratio: 3/2; object-position: center center;"></figure><h3> A Proven Track Record</h3> Over 45,000 Arizonans have started their estate-planning journey with us during the past three decades. Many began with the very seminar you’re considering. Our care for our clients for over 30 years proves that one informed conversation can change a family’s financial future.<h3>What You’ll Take Home</h3><ul><li>Clarity about which documents your situation actually requires.</li><li>Personal Roadmap in the free private consultation that follows.</li><li>Peace of Mind knowing your legacy plan is finally in motion.</li></ul><figure id="figure-pnhz6hflvmbtpwz72"><img id="pnhz6hflvmbtpwz72" src="https://cdn.durable.co/blocks/27QOfRbKZ6efcOmzJsvYmzYeEnb9JJs3OsglTDbwGCeEq9psiGMaN45FUbTnCnSX.png" alt="" title="" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/27QOfRbKZ6efcOmzJsvYmzYeEnb9JJs3OsglTDbwGCeEq9psiGMaN45FUbTnCnSX.png" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure><h3> Reserve Your Seat</h3> Call (480) 947-7447 or <a data-mce-href="https://rjpestateplanning.com/seminars/" href="https://rjpestateplanning.com/seminars/" title=" visit the Seminar Calendar " target="_blank" rel="noopener">visit the seminar calendar </a>to register. Bring a spouse or friend and your most pressing questions—we’ll handle the rest.Note: RJP Estate Planning is not a law firm.<h3><a data-mce-href="https://rjpestateplanning.com/?utm_campaign=gmb#typeform?service=Schedule%20a%20Free%20Consultation&amp;description=Planning%20Ahead%20Is%20a%20Gift%20to%20Your%20Family&amp;description2=Let%E2%80%99s%20Make%20It%20Easy%20%E2%80%94%20Schedule%20Your%20FREE%20Consultation%20on%20Trusts,%20Wills,%20and%20Avoiding%20Probate." href="https://rjpestateplanning.com/?utm_campaign=gmb#typeform?service=Schedule%20a%20Free%20Consultation&amp;description=Planning%20Ahead%20Is%20a%20Gift%20to%20Your%20Family&amp;description2=Let%E2%80%99s%20Make%20It%20Easy%20%E2%80%94%20Schedule%20Your%20FREE%20Consultation%20on%20Trusts,%20Wills,%20and%20Avoiding%20Probate." target="_blank" rel="noopener">Contact us!</a></h3>By Jordan Rivera – RJP Estate PlanningCaring.com. (2024, April 2). 2024 Wills and Estate Planning Study. Caring.com. https://www.caring.com/resources/2024-wills-survey/ caring.com DBF Law. (n.d.). The Cost of Probate in Arizona: What You Should Expect. DBF WC Legal. https://www.dbfwclegal.com/the-cost-of-probate-in-arizona-what-you-should-expect/ dbfwclegal.com Moulton Law Offices. (n.d.). Benefits of Attending an Estate Planning Seminar. https://www.moultonlaw.com/benefits-of-attending-an-estate-planning-seminar/ moultonlaw.com RJP Estate Planning. (n.d.). Free Arizona Estate-Planning Seminars – Learn How to Protect Your Assets. https://rjpestateplanning.com/seminars/ rjpestateplanning.com+4rjpestateplanning.com+4rjpestateplanning.com+4 Trust &amp; Will. (n.d.). Arizona Probate Cost: Fees for Estate Lawyers and Attorneys. https://trustandwill.com/learn/arizona-probate-fees trustandwill.com

The Importance of Estate Planning Seminars: What You Need to Know

<h2>Understanding the Basics of Estate Planning</h2>Estate planning isn’t just paperwork—it’s about ensuring your wishes are honored and your loved ones are protected. In Arizona, where community property laws and changing family dynamics can complicate estate matters, avoiding common mistakes becomes essential. RJP Estate &amp; Financial Planning guides families through these challenges with clarity, legal insight, and ongoing support.<h3>&nbsp; 1. Neglecting to Review or Update Your Plan</h3> Life evolves—marriage, divorce, births, or new assets all demand revisions. Failing to update your estate plan can create confusion, unintended inheritances, or legal challenges. Experts recommend reviewing your plan every 3–5 years or after significant life events (Kiplinger, 2025; azlegal.com, 2025). At RJP, we proactively schedule periodic reviews to ensure your documents always reflect your current wishes (RJP Estate &amp; Financial Planning, n.d.-a).<h3>&nbsp; 2. Overlooking Beneficiary Designations</h3> Retirement accounts, life insurance policies, and transfer-on-death assets bypass wills—with the designations taking legal precedence (Kiplinger, 2025; Investopedia, 2016). Outdated or overlooked beneficiary forms can lead to unintended heirs or force assets through probate. RJP’s checklist-based planning ensures beneficiary records are accurate and regularly updated.<h3>&nbsp; 3. Misunderstanding Arizona Community Property Laws</h3> Arizona is a community property state—half of all assets acquired during marriage belong to each spouse (Investopedia, 2005; Dana Law Group, 2024). Without proper planning, community property laws can override your intentions, especially after marriage, divorce, or death. RJP integrates community property analysis into every estate plan and recommends solutions like prenuptial agreements or tailored trust structures when appropriate (RJP Estate &amp; Financial Planning, n.d.-b; Turner Law, 2024).<h3>&nbsp; 4. Failing to Use Living Trusts for Probate Avoidance</h3> Relying solely on a will exposes your estate to probate—a public, costly, and time-consuming process. Arizona allows smaller estates to bypass probate, but most families exceed that threshold. Including revocable living trusts in your plan can protect beneficiaries from delays and fees (Kiplinger, 2025; dbfwclegal.com, 2025). RJP offers full trust planning and funds trusts to ensure seamless asset transfer.<h3>&nbsp; 5. Appointing an Unsuitable Executor or Trustee</h3> Naming a close relative who is disorganized or unwilling to take on executor duties can derail your plan. The role requires organization, legal understanding, and availability (Kiplinger, 2023). RJP helps you choose the right executor or offers professional trustee services to safeguard smooth administration.<h3>&nbsp; 6. Ignoring Special Circumstances: Minor Children, Digital Assets, Pets, and Special Needs</h3> Estate plans often overlook:<ul><li>Minor guardianship: Not naming a guardian leaves decisions to courts (dbfwclegal.com, 2025).</li><li>Digital assets: Failing to detail passwords or instructions complicates access (Kiplinger, 2023).</li><li>Pets: Planning for their care requires trusts, not wills (Kiplinger, 2025).</li><li>Special needs heirs: Direct inheritance could disqualify them from government aid unless structured through a Supplemental Needs Trust (Kiplinger, 2025). </li></ul>RJP incorporates all these contingencies, ensuring your plan covers every aspect of your family’s future (RJP Estate Planning).<h3>&nbsp; 7. Overlooking Tax Impacts and Asset Titling</h3> In Arizona, community property affects tax basis and capital gains. When assets are held inappropriately—such as joint tenancy or mis-titled trust deeds—it can trigger probate or costly taxes (mazzaniro.com, 2023; azlegal.com, 2025). RJP reviews asset titling and tax structure and advises on grantor trusts or gifting strategies to minimize tax implications.<h3>&nbsp; 8. Using a “Do-It-Yourself” Plan Without Legal Oversight</h3> DIY wills or online templates often miss critical details—lack of legal formalities, improper document signing, or missing essential clauses (Kiplinger, 2023; investopedia.com, 2015). RJP’s estate planning team ensures legal compliance, creates customized documents, and regularly updates plans in response to law changes.<h3> </h3><figure id="figure-qon9miahfmmdf34zx7"><iframe id="qon9miahfmmdf34zx7" src="https://www.youtube.com/embed/sKmvuDrktN8" class="w-full bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9" allow="autoplay; encrypted-media" allowFullScreen="" data-url="https://youtube.com/shorts/sKmvuDrktN8?si=gDDnlgIvdNW4sHsr" data-corners="default" data-fullWidth="false"></iframe></figure><h3> How RJP Helps Arizona Families Avoid These Mistakes</h3> RJP Estate &amp; Financial Planning delivers a comprehensive and proactive approach:Structured Consultations: Thorough discovery sessions uncover life circumstances and legal complexities (RJP Estate &amp; Financial Planning). Document Suite: Clients receive wills, trusts, durable powers of attorney, healthcare directives, beneficiary reviews, and more (RJP Estate Planning). Education &amp; Events: Free seminars help families learn about Arizona probate, community property, and why updated estate documents matter (RJP Estate Planning). Ongoing Reviews: Scheduled updates and life-event tracking ensure plans adapt over time (RJP Estate Planning). Execution Support: RJP guides executors and trustees through the legal process, reducing stress and administrative errors (Next.rjpestateplanning.com).<h3> &nbsp; In Summary</h3> Effective estate planning is much more than drafting a will—it’s a living strategy that evolves with your life, addresses Arizona’s legal nuances, and shields your family from confusion, delay, and unnecessary costs. RJP Estate &amp; Financial Planning brings legal acumen, structured follow-through, and personalized care—helping families in Scottsdale, Tucson, Maricopa County, and beyond safeguard their legacies with confidence.&nbsp; ReferencesDana Law Group. (2024, October 23). How Arizona’s community property laws affect your estate plan. https://danalawgroup.com/blog/how-arizonas-community-property-laws-and-their-impact-on-estate-planning/Investopedia. (2016, October 6). Do retirement accounts go through probate? https://www.investopedia.com/articles/personal-finance/100616/do-retirement-accounts-go-through-probate.aspInvestopedia. (2005). Community property. https://www.investopedia.com/terms/c/communityproperty.aspKiplinger. (2025, May). The basics of estate planning. Kiplinger.Kiplinger. (2025, May). 10 things you should know about estate planning. Kiplinger’s Retirement Report.Kiplinger. (2025). 10 things you should leave out of your will. Kiplinger.Mazzani, R. (2023). Common estate planning mistakes. Mazzaniro.azlegal.com. (2025, January 9). Avoid top estate planning mistakes in Arizona.dbfwclegal.com. (n.d.). Estate planning in Arizona: Top 10 things to avoid.RJP Estate &amp; Financial Planning. (n.d.-a). Home. https://rjpestateplanning.com/RJP Estate &amp; Financial Planning. (n.d.-b). Estate planning. https://rjpestateplanning.com/estate-planning/RJP Estate &amp; Financial Planning. (n.d.-c). Smart estate planning in Arizona made simple. https://rjpestateplanning.com/smart-estate-planning-in-arizona-made-simple/

Avoiding Common Estate Planning Mistakes: Tips for Arizona Families

<h3>Introduction: Why Women Need a Financial Plan on Their Terms</h3>Women now control or influence over half of U.S. household wealth, yet they remain less likely than men to have a structured financial and estate plan in place. Longer life expectancy, persistent wage gaps, and caregiving responsibilities amplify the need for strategies that preserve income, protect assets, and direct wealth on a woman’s own terms. At RJP, proactive planning is a critical step toward financial independence and generational security.<figure id="figure-17xb9324c8ma2vrpma"><img id="17xb9324c8ma2vrpma" src="https://cdn.durable.co/blocks/17q6qu9pBW70p0khAc6Bo8lyGVjkyO9hiDFWh7wcwUJh1ZYjctd2wrI01ZT0zMut.png" alt="women financial planning" title="women financial planning" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: 45% null%;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="45%" data-positiony="null%" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/17q6qu9pBW70p0khAc6Bo8lyGVjkyO9hiDFWh7wcwUJh1ZYjctd2wrI01ZT0zMut.png" data-mce-style="aspect-ratio: 16/9; object-position: 45% null%;"></figure><h3>Why Comprehensive Planning Deserves a Women‑First Lens</h3>Women already oversee or influence most household wealth (McKinsey &amp; Company, 2020), but longer life expectancies (Centers for Disease Control and Prevention [CDC], 2024), career interruptions that reduce lifetime earnings and Social  Security benefits (U.S. Bureau of Labor Statistics, 2024), and other persistent factors make proactive, comprehensive planning especially important. Longevity data show that a woman retiring at age 65 can expect to manage her finances for two decades or more, often alone (CDC, 2024). Research further indicates that women, though highly capable investors, tend to hold larger cash balances and allocate less to growth assets, limiting long‑term compounding (Fidelity Investments, 2024). Finally, women are more likely than men to inherit twice, first from parents, later from spouses, creating the need to resolve outdated beneficiary designations or probate challenges at moments of greatest stress (New York Life, 2023). These factors raise the stakes for a coordinated financial and estate blueprint.<h3>Taking the Lead: RJP’s Women‑Centered Approach to Financial &amp; Estate Security</h3>At RJP, our team is committed to supporting women through personalized financial planning. Grounded in the lived experience of our owner, Deb Placet, who co‑led RJP with her late husband and, after his passing, assumed sole responsibility of post‑loss legal and financial complexities, giving our team a comprehensive understanding of the emotional and logistical burdens widows and single women often encounter. That experience provides well-grounded foundations for our firm’s advisory framework: every advisor and case manager is prepared to anticipate the complexities clients face after losing a partner, from reconciling beneficiary designations to structuring dependable, long‑term income streams. By addressing the distinct priorities of women at each life stage, our process delivers a 360‑degree view of their financial landscape while honoring individual goals. We prioritize education, collaboration, and strategic planning, fostering confidence and encouraging leadership among women clients. Transparency and open communication are at the core of the philosophy that guides our advisors: we invite women to share their concerns in small‑group workshops, one‑on‑one strategy sessions, and live Q&amp;A forums. We then respond with clear, accessible guidance and actionable next steps. It is a true partnership built on listening first, so that every woman feels informed, respected, and fully supported through what can be an already difficult time. <figure id="figure-5yn87u9r5ma2vrpma"><img id="5yn87u9r5ma2vrpma" src="https://cdn.durable.co/blocks/3aOSIsPuq3RpqW8JwWiDmmUqZnzeubPn7TDrAzluJ51PgLg9BKU0rA6t9OapfYKZ.png" alt="financial education" title="financial education" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="null" data-positiony="null" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/3aOSIsPuq3RpqW8JwWiDmmUqZnzeubPn7TDrAzluJ51PgLg9BKU0rA6t9OapfYKZ.png" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure><h3>Women Setting the Standard for Early Financial and Estate Planning </h3>By 2030, an estimated $30 trillion in U.S. assets will be in women’s hands, making them the fastest‑growing segment of wealth owners (McKinsey &amp; Company, 2020). Yet structural gaps persist:<ul><li>Retirement readiness. <ul><li>Women retire with roughly 30 % less income than men, a disparity driven by smaller account balances and reduced Social  Security benefits (U.S. Treasury, 2024). Fidelity’s 2024 Women &amp;  Investing Study echoes this, finding women have 30 % less saved for retirement despite rising market participation (Fidelity Investments, 2024).</li></ul></li></ul><ul><li>Impact of Caregiving on Savings.&nbsp; <ul style=""><li>Caregiving responsibilities can significantly constrain women’s ability to save. In a 2024 national survey, 64 % of sandwich-generation women reported that caregiving reduced their savings capacity, and 57 % cut back on paid work hours as a result (Edward Jones, 2024).</li></ul></li></ul><ul><li>Longevity risk.&nbsp; <ul><li>Women live about six years longer than men, so portfolios and income streams must stretch further (Fidelity Investments, 2024),</li></ul></li></ul><ul><li>Wealth‑transfer complexity.&nbsp; <ul><li>Multiple inheritances—first from parents, later from spouses—require careful coordination of beneficiary designations and estate documents (U.S. Treasury, 2024).</li></ul></li></ul>Starting the planning process early helps women plan accordingly to ensure their security. The takeaway is clear: early, intentional planning enables women to proactively manage financial risks and secure long-term stability. Delaying this process only compounds the effects of career interruptions, care responsibilities, and extended longevity. Each year of delayed planning compounds the effects of longer life spans, interrupted earnings, and unpaid care work. A disciplined strategy, cash‑flow modelling, risk management, updated estate documents, and periodic reviews let women convert today’s challenges into long‑term security and inter‑generational impact.<h3>Supporting Women Through Strategic, Long-Term Planning</h3>RJP approaches financial and estate planning with a long-term, strategic lens, recognizing that true prosperity requires sustainability, adaptability, and a comprehensive understanding of women’s evolving needs. Through structured, goal-oriented strategies, women are accelerating pathways to safeguard their financial futures, respond to life’s uncertainties with resilience, and make decisions with clarity and confidence.Our approach honors the many roles women hold across their lifetimes. We acknowledge your experiences as daughters managing inherited responsibilities, mothers providing for future generations, and widows navigating financial life after loss. Whether addressing the complexities of caregiving, legacy planning, or wealth transfer, RJP supports women in making informed decisions that reflect their values and the relationships that matter most.As women continue to expand their economic influence, they secure their financial well-being and shape the financial planning profession’s trajectory. RJP remains committed to advancing this momentum, continuously refining its methodologies to deliver responsive, relevant planning frameworks that reflect the complexities and ambitions of modern women. Our approach allows for a comprehensive scope of support across life stages and family dynamics, empowering women to lead with intention and plan with enduring purpose.<h3>Strategic Priorities for Supporting Women’s Financial Advancement</h3>At RJP, we prioritize integrating intentional strategies to support women in proactive leadership over their financial lives. These components ensure that each client’s experience is not only personalized but also grounded in clarity, confidence, and long-term stability:<ul><li>Financial Education<ul><li>Through targeted resources, workshops, and one-on-one consultations, RJP enhances financial literacy, enabling women to make informed decisions and achieve greater independence.</li></ul></li><li>Values-Based Goal Setting<ul><li>Women are encouraged to articulate personal and financial priorities, creating a clear roadmap of achievable, purpose-driven milestones.</li></ul></li><li>Individualized Planning Frameworks <ul><li>Each financial plan is tailored to reflect a woman’s unique circumstances, needs, and aspirations, accounting for factors such as career transitions, caregiving responsibilities, or long-term legacy planning.</li></ul></li></ul> Together, these strategies foster knowledge, clarity, and the strategic foresight women need to confidently shape their financial trajectories.<h3>Core Building Blocks of a Women‑Centered Plan</h3><figure id="figure-crtspfji3bmax4o5ax" data-full-width="" class=""><img id="crtspfji3bmax4o5ax" src="https://cdn.durable.co/blocks/7eCiQY6g3alp28A8I4qXjZYppbmUJeZVqgyFn7qRFjQoe0kzAIcQyiik5hnWwixe.png" alt="" title="" class="object-cover bg-gray-100" style="aspect-ratio: 16/9; object-position: 50% undefined%;" data-corners="no-rounded" data-aspect="16:9" data-caption="" data-positionx="50%" data-positiony="undefined%" data-fullwidth="true" data-mce-src="https://cdn.durable.co/blocks/7eCiQY6g3alp28A8I4qXjZYppbmUJeZVqgyFn7qRFjQoe0kzAIcQyiik5hnWwixe.png" data-mce-style="aspect-ratio: 16/9; object-position: 50% undefined%;"></figure> <h3>Building Financial Confidence with RJP</h3>At RJP, we understand that financial confidence is cultivated, not assumed. The path to clarity can be complex for many women, particularly those navigating caregiving roles, life transitions, or economic disruption. Our planning environment is designed to be both supportive and intellectually rigorous, where questions are welcomed and education is prioritized.Through individualized consultations, group workshops, and strategy sessions, we guide women in building the knowledge and clarity needed to make informed, values-aligned decisions. This engagement facilitates lasting confidence and control. In addition to one-on-one consultations, we offer various women focused workshops and events. These programs align with our mission to provide accessible, values-based financial education in a collaborative setting.By tailoring guidance to each woman’s unique goals and circumstances, RJP transforms planning into a meaningful process that empowers women to lead with intention and plan with purpose.<figure id="figure-y56z8o9q2mdev8j6n"><iframe id="y56z8o9q2mdev8j6n" src="https://www.youtube.com/embed/OQuI3Es1ZXE" class="w-full bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9;" allowfullscreen="" data-url="https://www.youtube.com/shorts/OQuI3Es1ZXE" data-corners="default" data-fullwidth="false" data-mce-src="https://www.youtube.com/embed/OQuI3Es1ZXE" data-mce-style="aspect-ratio: 16/9;"></iframe></figure><h3>Turning Intent into Action: Five Essential Steps for Women to Turn Their Strategy into Security</h3>Clarify Priorities: Write down life goals, anticipated expenses, and the legacy you want to leave; a clear vision anchors every subsequent decision.Assemble the Facts: Gather recent account statements, insurance policies, real‑property deeds, and existing estate documents to prevent oversights.Test Multiple Scenarios: To identify vulnerabilities early, evaluate how your plan holds up under differing market climates, inflation paths, and health‑care costs.Draft or Update Key Documents: Ensure your living trust, will, and powers of attorney reflect current wishes and beneficiaries, and coordinate them with asset titling. RJP can help guide you through all of these processes. Commit to Periodic Reviews: To keep the plan current, schedule at least an annual check‑in or sooner after significant life events such as marriage, divorce, or inheritance.&nbsp;<h3>Advancing Women’s Financial Futures with Purpose</h3>Financial and estate planning for women is not simply about managing assets. This process is about creating clarity, autonomy, and multi-generational impact. Progress begins when women are equipped with the knowledge, tools, and personalized strategies needed to take ownership of their financial futures confidently.At RJP, our mission is to deliver more than advice. We provide a collaborative, client-centered experience where women’s financial goals are prioritized, their concerns addressed with care, and their success made measurable. Through education, ongoing support, and values-based guidance, we help women plan and lead purposefully. By Jordan Rivera, RJP Estate PlanningReference ListBank of America. (2023, June 28). BofA data finds men’s average 401(k) account balance exceeds women’s by 50 percent [Press release]. https://newsroom.bankofamerica.comCenters for Disease Control and Prevention, National Center for Health Statistics. (2024, December). Mortality in the United States, 2023 (NCHS Data Brief No. 521). U.S. Department of Health and Human Services. https://www.cdc.gov/nchsEdward Jones. (2024, September 16). Caregiving responsibilities leave half of American women lacking confidence in their ability to save for the future [Press release]. https://www.edwardjones.comFidelity Investments. (2024, October 3). 2024 Women &amp; Investing Study. https://www.fidelity.comMcKinsey &amp; Company. (2020, July). Women as the next wave of growth in US wealth management. https://www.mckinsey.comNew York Life. (2023). Wealth Watch—The great wealth transfer [Research report]. New York Life Insurance Company. https://www.newyorklife.comUBS Investor Watch. (2024). Own your worth: Women and the path to financial well‑being [Research report]. UBS AG. https://www.ubs.comU.S. Bureau of Labor Statistics. (2024). Women in the labor force [Data tables]. U.S. Department of Labor. https://www.bls.govU.S. Department of the Treasury, Office of Consumer Policy. (2024, September 20). Spotlighting women’s retirement security. https://home.treasury.gov

What Every Woman Should Know About Building Her Financial Legacy

<h3>Understanding Your Financial Goals</h3> The foundation of effective financial planning begins with clarity around your goals. Are you aiming to build retirement income, save for a home, or launch a business? Identifying both short-term and long-term objectives allows you to select advisors and firms prepared to meet those goals.RJP Estate &amp; Financial Planning uses a structured discovery process to uncover your unique aspirations and current financial snapshot. This personalized evaluation ensures that any recommendations, whether retirement planning, investment strategies, or debt management, are aligned with what matters most to you (RJP Estate &amp; Financial Planning).<figure id="figure-4ajw9y0n7dmdeqxqq2"><img id="4ajw9y0n7dmdeqxqq2" src="https://cdn.durable.co/blocks/35pXLA8EUbwH5K4MRwPM3izhnjwYNhzvZRmd2NZ53bVYDfjXLJJIvVZ9UBzrwsYb.png" alt="" title="" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: 50% 50%;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="50%" data-positiony="50%" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/35pXLA8EUbwH5K4MRwPM3izhnjwYNhzvZRmd2NZ53bVYDfjXLJJIvVZ9UBzrwsYb.png" data-mce-style="aspect-ratio: 16/9; object-position: 50% 50%;"></figure><h3>&nbsp; Researching Potential Firms</h3> Once goals are set, the next step is vetting firms. Take a multi-pronged approach:Ask for referrals from friends, family, or colleagues whose financial planning experience has been positive (Kaplinger, 2025). Read online reviews and check regulatory status via sources like FINRA BrokerCheck or the SEC’s Form ADV to ensure no disciplinary history (The Week, 2025). Explore firm websites to assess their services, expertise areas, certifications, and fiduciary standards (Kaplinger, 2025). RJP offers transparent licensing and service information covering retirement, estate, insurance, and investment planning to help prospects evaluate fit before committing (RJP Estate &amp; Financial Planning).<h3>&nbsp; Evaluating Experience and Credentials</h3> Depth of experience matters. Certified Financial Planners (CFPs) are the industry gold standard: they complete rigorous education, pass a comprehensive exam, gather years of experience, and maintain ethical commitments (Certified Financial Planner Board, 2025; CFP Board, 2021).Research shows CFP® professionals build financial plans more efficiently and with greater consistency than non-CFP advisors (CFP Board, 2018; Kitces, 2018). Choosing an advisor with a CFP credential ensures both competency and fiduciary alignment (CFP Board, 2018; FPSB).RJP’s advisors include CFP professionals who bring decades of Arizona‑specific planning experience to every engagement (RJP Estate &amp; Financial Planning).<h3> </h3><figure id="figure-4agdcytksmder0ije"><img id="4agdcytksmder0ije" src="https://cdn.durable.co/blocks/37liuaFxZrzo32qEXLsIrmAy5dTA5SEDee2tN5W9ztwudluYlhviPu3JNoDiIUhQ.png" alt="" title="" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 1/1; object-position: 0% 40%;" data-corners="default" data-aspect="1:1" data-caption="" data-positionx="0%" data-positiony="40%" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/37liuaFxZrzo32qEXLsIrmAy5dTA5SEDee2tN5W9ztwudluYlhviPu3JNoDiIUhQ.png" data-mce-style="aspect-ratio: 1/1; object-position: 0% 40%;"></figure><h3> Assessing Communication</h3> Selecting an advisor isn’t just about credentials; it’s about alignment. A strong advisor:Listens actively and responds clearly to questions Explains complex financial strategies in plain language Communicates with transparency and invites open dialogue RJP offers free initial consultations, allowing clients to evaluate rapport and clarity before moving forward (RJP Estate &amp; Financial Planning).<h3> </h3><figure id="figure-ms6avhfmkkmdeuj0h6"><iframe id="ms6avhfmkkmdeuj0h6" src="https://www.youtube.com/embed/-MZJE0lxXZk" class="w-full bg-gray-100 rounded-lg md:rounded-xl lg:rounded-2xl" style="aspect-ratio: 16/9;" allowfullscreen="" data-url="https://www.youtube.com/shorts/-MZJE0lxXZk" data-corners="medium" data-fullwidth="false" data-mce-src="https://www.youtube.com/embed/-MZJE0lxXZk" data-mce-style="aspect-ratio: 16/9;"></iframe></figure><h3> Understanding Fee Structure</h3> Fee transparency is essential. Common models include:Fee-only: paid directly by clients (hourly, flat, or AUM) Commission-based: Paid via product sales (Kiplinger, 2025; The Week, 2025) RJP employs a hybrid approach, offering transparent, flat fees for services and fee-only or commission-based structures for products such as insurance or investments. They disclose all costs upfront, minimizing surprises (RJP Estate &amp; Financial Planning; WSJ, 2025).<h3>&nbsp; Checking References and Background</h3> RJP is transparent about its long-standing history, spanning over 30 years, and has a client count exceeding 40,000, which adds confidence in its reliability (RJP Estate &amp; Financial Planning).<h3> </h3><figure id="figure-6zdivzc16hmder1x56"><img id="6zdivzc16hmder1x56" src="https://cdn.durable.co/blocks/3bojE4QI4ktaT7TGnX2ucT7vELISYb11p7ywFfek9ZW2M5zcfupjvqQWOral1YMD.png" alt="" title="" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: 0% 50%;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="0%" data-positiony="50%" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/3bojE4QI4ktaT7TGnX2ucT7vELISYb11p7ywFfek9ZW2M5zcfupjvqQWOral1YMD.png" data-mce-style="aspect-ratio: 16/9; object-position: 0% 50%;"></figure><h3> Making the Final Decision</h3> After a thorough review, reflect on which firm aligns best with your goals and values. Consider discussing your choices with trusted friends or family. A financial planning decision isn’t one to rush; it can shape your financial trajectory for years.<h3>&nbsp; Why RJP Matters</h3> RJP Estate &amp; Financial Planning integrates all recommended best practices:<ul><li>Clear goal‑based discovery framework</li><li>CFP professionals with deep experience</li><li>Transparent, flexible pricing structures</li><li>Fiduciary commitment to clients’ best interests</li><li>Seamless integration of estate, retirement, investment, insurance, and tax strategies</li></ul> Their complimentary introductory meetings and client-first orientation embody the research‑based principles of professional financial planning.&nbsp; References Certified Financial Planner Board. (2021). CFP® Certification: The must‑have credential for advisors. CFP.net.Certified Financial Planner Board of Standards, Inc. (2025). Research and resources. CFP.net.Capabilities description: CFP Board identified improved efficiency, 32 hours for CFPs versus 41 hours for non‑CFP professionals, indicating higher effectiveness (CFP Board, 2018).Financial Planning Standards Board. (n.d.). Value of CFP certification.Kaplinger, R. (2025, July 10). 8 rules for choosing the right financial adviser. Kiplinger.Kitces, M. (2018). The Cerulli Edge. U.S. Advisor Edition (2Q 2018).RJP Estate &amp; Financial Planning. (n.d.-a). About RJP. Next.rjpestateplanning.com.RJP Estate &amp; Financial Planning. (n.d.-b). Menu of services. Rjpestateplanning.com.RJP Estate &amp; Financial Planning. (n.d.-c). Contact information. Rjpestateplanning.com.The Week. (2025, May 16). How can you find a financial adviser you trust?Wall Street Journal. (2025, July 10). How to choose a financial advisor.

How to Choose the Right Financial Planning Firm for Your Needs

<h3>Understanding the Importance of Life Insurance</h3>Life insurance is a critical component of long-term financial security. Having prepared your life insurance in a state like Arizona is crucial, where intergenerational wealth preservation and family-centered planning are top priorities. At its core, life insurance offers a financial safety net, replacing lost income, covering outstanding debts, and ensuring that your loved ones can maintain financial stability in the event of your passing. It is not just a policy, it is a commitment to protect the people who matter most.<figure id="figure-kz7dvcjw99mbqw9iua"><img id="kz7dvcjw99mbqw9iua" src="https://media.gettyimages.com/id/1970770756/photo/family-with-little-daughter-celebrate-relocation-day.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=XRvDvHV8zf1HjR79fkEn4t_TQRdEDgS6Vo1EkK4heD0=" alt="family finances" class="object-cover bg-gray-100" style="aspect-ratio: 16/9;" data-mce-src="https://media.gettyimages.com/id/1970770756/photo/family-with-little-daughter-celebrate-relocation-day.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=XRvDvHV8zf1HjR79fkEn4t_TQRdEDgS6Vo1EkK4heD0=" data-mce-style="aspect-ratio: 16/9;"></figure><h3>Types of Life Insurance Policies</h3>There are two primary categories of life insurance policies, each serving different planning objectives:<ul><li>Term Life Insurance &nbsp;Term policies offer coverage for a fixed period (typically 10 to 30 years) and are designed to provide high-value coverage at affordable rates. This option is particularly beneficial for families seeking to protect financial responsibilities like mortgages, dependent care, or education costs during their working years (Insurance Information Institute, 2023).</li></ul> <ul><li>Whole Life Insurance &nbsp;Whole life policies provide permanent coverage and include a cash value component that grows tax-deferred over time. These policies are structured to pay out a guaranteed death benefit while also building financial value that can be leveraged during the insured’s lifetime (Investopedia, 2023).</li></ul> Some policies also include hybrid features—such as long-term care riders or flexible premiums—creating opportunities to align life insurance with estate and retirement planning goals. <h3>Life Insurance Benefits for Arizona Families </h3>When thoughtfully selected and structured, life insurance offers Arizonans several tangible advantages:<ul><li>Income Replacement: A properly calculated policy can replace decades of lost income, ensuring your family’s daily expenses, housing, and education needs are sustained.</li></ul> <ul><li>Debt Protection: Proceeds can be used to pay off mortgages, medical bills, credit cards, or auto loans, removing financial burdens from surviving family members.</li></ul> <ul><li>Estate Liquidity: Life insurance can provide immediate, tax-free liquidity to cover estate taxes or probate expenses, ensuring that family assets don’t have to be sold under pressure (Arizona Department of Insurance and Financial Institutions, 2024).</li></ul> <ul><li>Legacy Planning: Policies may be used to fund trusts, support charitable giving, or equalize inheritances between beneficiaries.</li></ul><figure id="figure-a7zp4itmm7mbqw9iua"><img id="a7zp4itmm7mbqw9iua" src="https://media.gettyimages.com/id/2172316443/photo/multiethnic-family-housing-concept.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=UldWFtGTkmyZSaPhHQk1qZZZp1cWdHRK3OVKTVj8AQ0=" alt="family protection" class="object-cover bg-gray-100" style="aspect-ratio: 16/9;" data-mce-src="https://media.gettyimages.com/id/2172316443/photo/multiethnic-family-housing-concept.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=UldWFtGTkmyZSaPhHQk1qZZZp1cWdHRK3OVKTVj8AQ0=" data-mce-style="aspect-ratio: 16/9;"></figure><h3>RJP’s Life Insurance Services: A Strategic Planning Tool </h3>At RJP Estate &amp; Financial Planning, life insurance is never treated as a one-size-fits-all product. Our team incorporates life insurance into broader estate and retirement strategies, tailoring solutions to your specific needs and goals. RJP offers:Comprehensive Policy Reviews: If you already have a policy, our advisors evaluate whether it still aligns with your financial situation, coverage needs, and legacy intentions. Policy Selection Guidance: We help clients compare term, whole, and hybrid products, ensuring affordability, performance, and strategic alignment with estate and tax goals. Tax-Efficient Structuring: RJP can help structure ownership through irrevocable life insurance trusts (ILITs) or align policies with long-term care and Medicaid planning to maximize protections (RJP Estate &amp; Financial Planning, 2024). Integrated Financial Planning: Unlike firms that only sell insurance, RJP uses life insurance as a coordinated tool, bridging retirement income, legacy creation, and trust-based planning. <h3>Why Life Insurance Matters in a Place Like Arizona </h3>Arizona residents benefit from state-level consumer protections, including grace periods for missed premiums and regulations ensuring prompt payout of benefits. But more importantly, Arizona families tend to prioritize legacy and property, making life insurance an effective tool to secure home equity, support heirs, and fund living trusts.With RJP’s help, clients in Maricopa County and beyond have used life insurance to:<ul><li>Shield surviving spouses from losing the family home</li><li>Provide tax-free inheritance to children and grandchildren</li><li>Fund special needs trusts for dependent family members</li><li>Bolster retirement accounts without increasing taxable income </li></ul><figure id="figure-sq2hlfostmbqw9iua"><img id="sq2hlfostmbqw9iua" src="https://cdn.durable.co/blocks/1eMPRICZxgc90xgozRvnj06SIpFO1qBaPBZb0mf95XvbL4l2uenDxkHRVUVrGErX.png" alt="financial advisor" title="financial advisor" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="null" data-positiony="null" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/1eMPRICZxgc90xgozRvnj06SIpFO1qBaPBZb0mf95XvbL4l2uenDxkHRVUVrGErX.png" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure><h3>When to Act </h3>Life insurance is most cost-effective when purchased earlier in life and ideally reviewed every few years. Major life events, such as marriage, the birth of a new child, home purchases, or changes in income, are strong indicators that it’s time to reassess your coverage.<h3>Conclusion: A Critical Piece of a Complete Plan </h3>Life insurance, when integrated properly, is more than a financial buffer. It’s a bridge between your current life and the legacy you want to leave. At RJP Estate &amp; Financial Planning, we understand the nuance of both financial and emotional security. Whether you’re building your plan from scratch or adding life insurance to your existing estate strategy, our team is ready to help you protect what matters most.<a data-mce-href="https://rjpestateplanning.com/#typeform?service=Schedule%20a%20Free%20Consultation&amp;description=Planning%20Ahead%20Is%20a%20Gift%20to%20Your%20Family&amp;description2=Let%E2%80%99s%20Make%20It%20Easy%20%E2%80%94%20Schedule%20Your%20FREE%20Consultation%20on%20Trusts,%20Wills,%20and%20Avoiding%20Probate." href="https://rjpestateplanning.com/#typeform?service=Schedule%20a%20Free%20Consultation&amp;description=Planning%20Ahead%20Is%20a%20Gift%20to%20Your%20Family&amp;description2=Let%E2%80%99s%20Make%20It%20Easy%20%E2%80%94%20Schedule%20Your%20FREE%20Consultation%20on%20Trusts,%20Wills,%20and%20Avoiding%20Probate." title="Contact us today to schedule a complimentary planning session." target="_blank" rel="noopener" data-mce-selected="inline-boundary">Contact us today to schedule a complimentary planning session.﻿</a> References Arizona Department of Insurance and Financial Institutions. (2024). Understanding life insurance policies in Arizona. https://difi.az.govInsurance Information Institute. (2023). Life insurance basics. https://www.iii.org/article/what-life-insuranceInvestopedia. (2023). Whole life insurance: How it works, pros and cons. https://www.investopedia.com/terms/w/wholelife.aspRJP Estate &amp; Financial Planning. (2024). *Insurance and retirement planning

How Life Insurance Can Secure Your Family’s Future in Arizona

A person holding a compass on a wooden boardwalk.

<h2>Introduction to Successor Trustees</h2>In the realm of estate planning, the role of a successor trustee is pivotal. Successor trustees are appointed to manage and administer a trust when the original trustee can no longer fulfill their duties, whether due to incapacity or passing. Understanding the responsibilities and support needed by successor trustees is crucial for ensuring a seamless transition and effective management of the trust.<h3>What Does a Successor Trustee Actually Do?</h3>When it’s time to settle a trust, the successor trustee steps in. Their main tasks include gathering and protecting assets, paying any outstanding bills or debts, handling paperwork, and making sure everything goes to the right people according to the trust.Most successor trustees have never done this before. It can involve a lot of details, deadlines, and decisions. That’s why it’s easy to feel overwhelmed or worry about making a mistake.The good news is you don’t have to go it alone. That’s where our support makes the difference.<figure id="figure-u4o5ggla5imdalph4i"><img id="u4o5ggla5imdalph4i" src="https://media.gettyimages.com/id/1473200586/photo/middle-aged-asia-people-old-mom-holding-hands-trust-comfort-help-young-woman-talk-crying.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=8DISbnJPoZas2SXLothlztlu1L9L5NLIrWWL0bcZ760=" alt="Middle aged asia people old mom holding hands trust comfort help young woman talk crying stress relief at home. Mum as friend love care hold hand adult child feel pain sad worry of life crisis issues." title="Middle aged asia people old mom holding hands trust comfort help young woman talk crying stress relief at home. Mum as friend love care hold hand adult child feel pain sad worry of life crisis issues." class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9; object-position: undefined undefined;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://media.gettyimages.com/id/1473200586/photo/middle-aged-asia-people-old-mom-holding-hands-trust-comfort-help-young-woman-talk-crying.jpg?b=1&amp;s=2048x2048&amp;w=0&amp;k=20&amp;c=8DISbnJPoZas2SXLothlztlu1L9L5NLIrWWL0bcZ760=" data-mce-style="aspect-ratio: 16/9; object-position: undefined undefined;"></figure><h3>How RJP Estate Planning Supports Your Successor Trustee</h3>With every RJP estate plan, successor trustee support is included at no extra charge. When your family needs help, we are there. We sit down with your chosen trustee, walk them through every step, answer all questions, and make sure nothing gets missed.Your loved ones can call, visit us, or meet virtually. We are the steady shoulder to lean on, guiding your family from start to finish. With RJP, your trustee never faces this alone. We stay by their side until your wishes are carried out and your family feels at peace.<h3>Ready for Real Support?</h3>Set up your estate plan with RJP and make sure your family gets the guidance they need, right when they need it. Book your free consultation today. We will answer your questions, walk you through your options, and help you protect your legacy. Your family deserves a partner they can trust. Start the process with RJP Estate Planning.<a title="Free Consultation" href="https://next.rjpestateplanning.com/blog/understanding-successor-trustee-support-with-rjp-estate-planning#typeform?service=Living%20Trust%20Consultation&amp;description=We%20can%20help%20you%20understand%20how%20a%20Living%20Trust%20can%20protect%20your%20assets%20and%20loved%20ones.&amp;description2=Our%20team%20will%20guide%20you%20through%20the%20process%20of%20setting%20up%20these%20essential%20documents." data-mce-href="https://next.rjpestateplanning.com/blog/understanding-successor-trustee-support-with-rjp-estate-planning#typeform?service=Living%20Trust%20Consultation&amp;description=We%20can%20help%20you%20understand%20how%20a%20Living%20Trust%20can%20protect%20your%20assets%20and%20loved%20ones.&amp;description2=Our%20team%20will%20guide%20you%20through%20the%20process%20of%20setting%20up%20these%20essential%20documents.">Free Consultation</a>Want to learn everything you need for a solid estate plan, close to home? Join one of our upcoming free estate planning workshops in your area. Spots fill fast. Reserve your seat now. &nbsp; <a title="Upcoming Estate Planning Seminars" href="https://next.rjpestateplanning.com/events/trust-estate-seminars#seminars" data-mce-href="https://next.rjpestateplanning.com/events/trust-estate-seminars#seminars">Upcoming Estate Planning Seminars</a> &nbsp; <figure id="figure-i0po0w6k4pmdaldbfc" class=""><img id="i0po0w6k4pmdaldbfc" src="https://cdn.durable.co/getty/20Ppo6VExv60gVviYL841XlzlJL5ZGji4VK8SSrSdBHuUWlRLEaK3OGJnpr6jspW.jpeg" alt="financial planning" class="object-cover bg-gray-100 rounded-sm md:rounded-md lg:rounded-lg" style="aspect-ratio: 16/9;" data-mce-src="https://cdn.durable.co/getty/20Ppo6VExv60gVviYL841XlzlJL5ZGji4VK8SSrSdBHuUWlRLEaK3OGJnpr6jspW.jpeg" data-mce-style="aspect-ratio: 16/9;"></figure>

Understanding Successor Trustee Support with RJP Estate Planning

RJP Estate & Financial Planning

Overview: RJP Estate and Financial Planning is a female-owned firm with over 40 years of experience and 40,000+ clients. Specializing in risk management, RJP helps protect and grow the value of estates while addressing client-specific goals. The company offers a comprehensive approach to estate and financial planning, solving risks such as probate, lawsuits, market volatility, and long-term care needs.

Core Services:

Estate Planning: Trusts, wills, powers of attorney, and probate solutions.
Financial Planning: Tax-efficient retirement income, wealth management, and safe investment strategies.
Insurance Solutions: Long-term care, life, health, disability, and final expense coverage.
Legal Document Guidance: Works with attorneys to draft estate documents at discounted rates.
Risk Management: Customized solutions, including annuities and asset protection.
Key Differentiators:

Proven Experience: Decades of service with solutions informed by real-life client outcomes.
Genuine Care: A compassionate team with personal experiences tied to estate planning challenges.
Longevity: A succession plan ensures continuity for current and future clients.
Aftercare & Ongoing Services:

Trust funding reviews and realignment.
Document amendments through Arizona Trust & Title.
Annuity reviews and upgrades.
Risk and funding reviews tailored to client goals.
Structure:

RJP Estate and Financial Planning: Primary division for estate planning and financial services.
Arizona Trust & Title: Legal document preparation, including amendments, deeds, and estate documents.
RJP Wealth Management, Real Estate, and Mortgages: Currently marketing arms, with plans to license RJP Wealth Management.
Philosophy: RJP Estate and Financial Planning integrates legal, financial, and insurance expertise to deliver holistic plans tailored to client needs. The firm prioritizes education, equipping clients to make informed decisions and offering continuous support to secure their legacy through every stage of life.

RJP Estate & Financial

Blog

The Importance of Estate Planning Seminars: What You Need...

Avoiding Common Estate Planning Mistakes: Tips for Arizon...

What Every Woman Should Know About Building Her Financial...

How to Choose the Right Financial Planning Firm for Your ...

How Life Insurance Can Secure Your Family’s Future in Ari...

Understanding Successor Trustee Support with RJP Estate P...