The Last Financial Move That Defines Your Legacy
Skip Probate. Preserve Power.
What Is Probate?
Probate is the legal process where a court verifies your will and oversees the distribution of your estate after you die. Sounds fair. In reality, it’s often a nightmare:
- 6–18 months of delays
- Legal fees that eat 3%–7% of your estate
- Public records airing your financial life
Translation: You lose control. Your family loses time. Lawyers win.
Why You Want to Avoid It
You built your life to create options. Probate strips them away.
- No privacy: Your will becomes public record
- No speed: Banks, real estate, and business accounts are frozen
- No control: The court—not your family—calls the shots
If you care about your business, your kids, or your peace of mind, you should care about avoiding probate.
The Playbook to Skip It
You don’t need a trust fund. You need a plan. Here’s how every American can sidestep probate:
1. Use a Revocable Living Trust
This is the gold standard. You create a private document, transfer your key assets to it, and name who gets what. When you die, your successor trustee takes over—no court, no delays.
Put in the trust:
- Your home
- Business ownership
- Bank accounts
- Investments
This is how we structure legacy at Alejos Capital Group. It’s not complicated. It’s just uncommon.
2. Add Beneficiaries to Everything You Can
Known as POD (Payable on Death) or TOD (Transfer on Death), this simple form on your bank or brokerage account lets you name who gets it, skipping probate entirely.
3. Own Assets Jointly with Right of Survivorship
This works well for married couples. If one spouse passes, the other gets the asset immediately.
4. Use Life Insurance and Retirement Accounts Wisely
These are outside the will. The beneficiary form wins. So make sure yours are up to date. You’d be shocked how many people forget.
What If You Do Nothing?
The state decides what happens. Your loved ones wait months for access. Your estate shrinks.
Skipping probate isn’t about hiding money. It’s about preserving your intent. It’s the difference between a reactive mess and a controlled handoff.
Who Should Do This?
You. Right now.
- Whether you’re a homeowner, entrepreneur, or parent
- Whether you have $50,000 or $5 million
- Whether you’re 30 or 70
If your name is on anything and you care who receives it—you need to skip probate.
Legacy Shouldn’t Be a Lawsuit
Probate is the court’s way of closing your life. A Trust is your way of controlling the outcome.
At Alejos Capital Group, we don’t wait for disruption. We structure around it.
You don’t build legacy through wealth alone. You build it by protecting how it’s transferred.