A legacy isn't measured in millions.
It's measured in the people you protect. We help families of every size put the right life insurance, will and trust in place, thoughtfully and without the law-firm price.
Two parts of one plan
Begin with either. They are strongest together.
Estate planning
Soon you'll be able to create your complete plan online in a private client portal, with guidance whenever you'd like it.
Life insurance
Coverage that replaces your income, keeps the home in the family and funds the future you've planned.
Everything your family needs, in one place.
Our online estate planning platform is on its way. Here is what it will include.
Join the waitlistFree healthcare directives and powers of attorney
Name who makes medical and financial decisions for you if you can't. These documents will be free for every client and take only minutes to create.
Wills and trusts for a fraction of attorney costs
State-specific estate planning documents, created online for much less than a traditional law firm charges. No office visits and no hourly fees.
A secure digital vault for documents and assets
Wills, policies, deeds, account details and final wishes all live in one encrypted account, so nothing gets lost in a drawer.
Easy access for the people who need it
Choose the trusted family members or executors who can access the right information when it matters, so your loved ones aren't left searching.
Simple to start and easy to update
Guided questions walk you through each step in plain language. Change your plan anytime as life changes: a marriage, a new child or a new home.
Join the waitlist
Be the first to know when estate planning opens. No cost and no obligation.
Your life insurance names a beneficiary. Your trust decides what happens next.
Without a plan, a payout can pass to a child who cannot legally manage it, or wait while a court decides. Together, the two make sure what you leave reaches the people you intended.
Discuss both with HeatherThree unhurried steps
A conversation
Take the quiz or book a complimentary call to talk through your family and what matters to you.
Your options, explained
Heather reviews what you need and walks you through your coverage options in plain language.
Covered, and reviewed
Put your coverage in place, then review it together as your family and your life change.
Without a plan, someone else decides.
Who raises your children
A will lets you name the guardian you trust, so the choice is never left to a judge.
Who speaks for you
A healthcare directive and power of attorney name the person who decides if you cannot.
What becomes of your home
A trust can spare your family a long and costly probate process.
Questions, answered plainly
Do I need to be wealthy to need a trust?
No. If you have a home, savings or children, a plan decides who receives what and who is in charge, and can help your family avoid probate.
What is the difference between a will and a trust?
A will names who inherits and who raises your children, and usually passes through probate court. A trust can transfer assets directly to your family and can remain private.
What does it cost?
Life insurance quotes and consultations are complimentary. Estate planning pricing will be announced when the online platform opens, and healthcare directives and powers of attorney will be free.
Is this legal advice?
No. Heather is not an attorney. The estate planning service, coming soon, will give you access to an online platform with her guidance. For complex situations, she will recommend an estate planning attorney.
Can I update my plan later?
Yes. A marriage, a new baby, a new home: update your plan and beneficiaries whenever life changes.
How protected is your family, really?
Five quick questions show where your family stands today and what, if anything, is missing. Your results arrive in under a minute.
Take the quiz