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11/03/2026

Think trusts are only for families with $10 million estates?
That misconception can be expensive.
In The Estate Planning Mistakes Manual, Rick White shares the example of a family with approximately $895,000 in assets whose estate spent 14 months in probate and incurred $28,600 in probate fees.

A properly structured and funded trust may help certain assets avoid probate, providing families with greater privacy, efficiency and control.
The question isn’t:

“Am I wealthy enough for a trust?”
The better question is:

“Would a trust help protect what I’ve spent my life building?”

Estate planning isn’t reserved for the ultra-wealthy. It’s for anyone who wants a plan for what happens next.

Rick uses this case to illustrate why trusts can be relevant well below ultra-high-net-worth levels and stresses that simply creating a trust is not enough—it must also be properly funded.

https://estate-planning-mistakes.tiiny.site/

09/30/2026

Creating an estate plan isn't the finish line.
Keeping it current is.

Think about how much can change in 5, 10 or 15 years:
✅ Your family.
✅ Your assets.
✅ Your business.
✅ Your state of residence.
✅ Your beneficiaries.
✅ Your trustees.
✅ The tax laws.

Yet many families create a will or trust, put it in a drawer... and assume the job is finished.

Rick White shares an example in The Estate Planning Mistakes Manual of an estate plan created in 2007 that hadn't been reviewed for 16 years. By then, the family circumstances, trustee situation and tax environment had changed.
Having an estate plan isn't enough.

You need an estate plan built for the life you have today—not the life you had when you signed it.

When did you last review yours?

Rick's book uses this real-world example to illustrate why ongoing plan maintenance is one of the eight major estate-planning mistakes families should address. Estate Planning Mistakes

09/23/2026

You created a will.
So your estate plan is handled... right?

Not necessarily.

Assets such as IRAs, 401(k)s and life insurance commonly pass according to the beneficiary designation on the account—not simply according to instructions in your will.
That creates a potentially expensive problem:
When was the last time you actually checked yours?
Marriage. Divorce. Children. Grandchildren. Deaths. New accounts.

Your life changes—but an old beneficiary form doesn't automatically rewrite itself to reflect your current wishes.
Rick White's The Estate Planning Mistakes Manual explores the beneficiary mistakes he's seen families encounter and the steps you can take now to uncover potential gaps.

Don't spend a lifetime building an estate only to let an outdated form decide where it goes.

Rick's book specifically highlights beneficiary designations as one of eight preventable estate-planning mistakes and explains that these designations can control retirement accounts and life insurance independently of a will. Estate Planning Mistakes

09/16/2026

Your advisor recommends Roth conversions.
Great.

But then comes the question that can dramatically affect your retirement wealth:

Where will the money come from to pay the taxes?
Most people are told to use cash or non-retirement investments.

But those dollars have value beyond today's tax payment.
They could have remained invested.
They could have continued compounding.
They could have remained part of your family's wealth.

The Zero-Tax IRA Strategy was designed for qualified pre-retirees with substantial retirement assets who want to explore a different approach to funding those conversion taxes.

The tax liability doesn't magically disappear.
The strategy is about changing where the money used to pay it comes from.

If you're considering a multi-year Roth conversion, don't create a conversion plan without creating a tax-funding plan too.

09/10/2026

You’ve spent decades building your retirement assets.
So why would you want to drain your other investments just to pay the taxes created by a Roth conversion?

Consider someone converting $150,000 from an IRA with an effective tax rate of 30%.
That’s a $45,000 tax bill.

Do it year after year, and hundreds of thousands of dollars that could have remained invested may instead be used to pay conversion taxes.

The Zero-Tax IRA Strategy asks a different question:
What if, after the initial funding period, there were another way to fund those tax payments without continually reaching into your personal savings?

For the right candidate, a properly structured strategy may help preserve the assets outside your IRA while still pursuing the goal of tax-advantaged retirement income.
Your Roth conversion strategy shouldn’t stop at how much should I convert?

It should also answer:
How am I going to pay the tax?

09/07/2026

Happy Labor Day! 🇺🇸

Today, we celebrate the hard work, dedication, and determination of workers who help keep our communities and country moving forward. Whether you're spending the day relaxing, gathering with family, or enjoying a well-earned break, we wish you a safe and wonderful Labor Day!

08/26/2026

Every year you pay taxes from your investment portfolio...
You're not only losing today's dollars.

You're losing every future dollar those investments could have earned.

That's the hidden cost many affluent retirees never calculate.
Great tax strategies don't just reduce taxes.

They preserve the assets that continue building your family's wealth.

Because keeping your money invested often becomes just as valuable as lowering your taxes.

www.patriotbc.com

08/19/2026

There are two types of retirees.
The first says...

"How much tax do I owe this year?"
The second asks...

"How can I legally structure my retirement so I owe less over my lifetime?"

That's the difference between tax preparation...
and tax planning.

When you're converting seven figures from an IRA, lifetime tax strategy matters far more than one year's tax return.
Smart retirement planning isn't about reacting.

It's about designing your outcome.

www.patriotbc.com

08/12/2026

Most advisors explain:

✔ Why Roth conversions are beneficial.
Then they hand you the tax bill.

But here's the question almost nobody asks...

Where should the money come from to pay those taxes?

Because every dollar coming from your investment account isn't just paying taxes...

It's losing years of future compounding.

Sometimes the smartest retirement strategy isn't changing the Roth conversion.

It's changing how it's funded.

That's where real tax planning begins.

www.patriotbc.com

08/05/2026

If you have a $1.5 million IRA...

Your biggest retirement expense may not be healthcare.
It may not be inflation.

It may not even be the stock market.

It could be the taxes you voluntarily pay during Roth conversions.

Most affluent retirees accept those tax bills as unavoidable.
But what if they aren't?

The wealthiest families don't just ask...

"How do I pay less tax?"
They ask...
"Is there a better way to fund the tax altogether?"
That's a very different conversation.

And it could make a six-figure difference over retirement.

www.patriotbc.com

Address

4350 Lassiter At North Hills Avenue Suite 330
Raleigh, NC
27609

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm

Telephone

+19193224114

Website

http://patriotbc.com/

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