We help clients create high-net-worth estate planning strategies that reduce taxes, simplify transfers, and provide peace of mind.
More than a will
Estate planning for high-net-worth individuals requires more than a simple will. Wills designate heirs, but they don’t address how or when wealth should be transferred. Should a small business pass to children now, or be sold later? Should an inheritance be released immediately, or structured over time through a trust? Our Windsor estate planning team takes these questions and builds answers that fit your life and your family. From liquidity planning to tax optimization, we design solutions that keep your intentions intact and your family protected.
Estate simplicity through tax-smart strategies
One of the biggest risks to your estate is taxation. Capital gains, probate fees, and estate taxes can erode wealth if left unmanaged. We use proven strategies to safeguard your estate, including trusts, insurance solutions, and corporate structures. Our goal is to simplify complexity and reduce the tax burden so more of your wealth transfers directly to your loved ones. With estate planning strategies for high-net-worth families and small business estate planning tools, we ensure every dollar works toward your long-term vision.
Protecting business owners
For many clients, a business is their largest asset. Estate planning for business owners must consider succession, tax strategies, and continuity. We help create estate transfer solutions that protect both the business and the family. Whether you plan to sell, pass it down, or prepare management for ownership, we make sure your estate plan includes the right exit strategy.
Life insurance as a planning tool
Life insurance is one of the most effective estate planning tools. Proceeds are tax-free and provide liquidity when your estate needs it most. For high-net-worth life insurance strategies, this means covering final tax bills, maintaining business continuity, and ensuring your heirs inherit assets without financial stress. In many cases, life insurance allows estates to avoid forced sales of property or businesses, preserving both wealth and family legacy.
Preparing the next generation
Inheritance is more than transferring assets—it’s transferring responsibility. Trusts, structured payouts, and family governance plans help ensure wealth is received with guidance and purpose. Estate simplicity is achieved not just by reducing paperwork, but by preparing the next generation to manage what they inherit. Our Windsor estate planning approach ensures heirs are supported and empowered, not overwhelmed.
Philanthropy and giving back
Many of our clients want their legacy to extend beyond family. Through charitable giving strategies such as donor-advised funds or private foundations, we help integrate philanthropy into estate planning. This not only reduces taxes but creates lasting impact in the community. Estate planning becomes more than wealth transfer—it becomes a reflection of your values.
A trusted Windsor partner
Clients choose Mastroianni & Associates because of the trust we’ve built over decades in Windsor. We collaborate directly with accountants and lawyers, ensuring every estate plan is legally sound, tax-efficient, and strategically aligned. This combination of technical expertise and personal attention gives families the confidence that their estate planning is in safe hands.