Three sets of documents. Different authors. Years apart.
Your attorney wrote the estate plan. A different attorney wrote the operating agreement when you formed the company. An insurance agent sized the policies years ago. Nobody’s job was to make them agree.
The checkup looks at the overlap, where one document assumes something another one never says.
- The will leaves shares to a trust the operating agreement doesn’t allow
- The buy-sell says $3M; the insurance behind it pays $1.5M
- The power of attorney never mentions the business
Eight places a business and an estate plan come apart
One short question each. No scores, no 60-page report. Each area comes back as one of three answers:
About five minutes. Nothing saved or sent.
Start with your situation
Each page answers one question and puts a number on it.
Find the gap. Put a number on it. Fix it with your team.
Take the checkup
See what looks clear, what needs review and what’s unknown. Your result stays on your screen.
Check my plan →Read the documents together
Bring your agreements and estate plan. You leave with the questions for your attorney and CPA, whether or not we work together.
Book a 30-minute call →Coordinate the fix
Morrowgate Private Wealth works alongside your attorney and CPA until every document says the same thing.
How we work →Built to inform you, not to sell you
Nothing you enter is saved or sent
The checkup and calculators run in your browser. You see your full result without giving an email address.
Education, not legal advice
Every page ends with questions for your attorney and CPA. We never draft documents or tell you your plan is wrong.
A planning firm behind it
Published by Morrowgate Private Wealth, the firm behind the WealthPlannerPro calculators, and written by its founder, Greg Garone, CEPA®.
Morrowgate Private Wealth
Financial planning and wealth management for business owners, individuals and families facing consequential decisions. Based in Rochester, NY, and working with owners across the country by video. Your conversation is with founder Greg Garone, CEPA®, whose background is in wealth advising, with a finance education from SUNY Oswego and service as a medic in the U.S. Air Force Reserve. We don’t draft documents or give legal advice; we work alongside your attorney and CPA.
Questions owners ask us
All calculators →All owner questions →Before you start
Is the checkup really free?
Yes. You see your full result on screen without giving an email address. Emailing it to yourself is optional.
Will this replace my attorney or CPA?
No. We don’t draft documents or give legal or tax advice. The checkup gives you better questions to bring to them, and we coordinate with them if you want help.
Do you sell insurance?
Greg doesn’t. When a gap needs insurance, we refer you to a licensed insurance professional and check the numbers against your documents.
What does it cost to work with you?
The checkup and the first conversation are about whether there’s a gap worth fixing. How Morrowgate is paid is set out in its Form ADV and client agreement, and Greg will walk you through it before you decide anything.
Who is this for?
Owners of closely held businesses, usually where the company is most of the family’s net worth: solo owners, partners and family businesses anywhere in the U.S. We meet by video, and in person around Rochester, NY.
Five minutes to see where you stand
Free, no email needed for your result, nothing saved or sent.
Check my planCPA or attorney?
Send clients the checkup. They come back to you with three questions, not a list of fixes.
For CPAs and attorneys →