Your legacy deserves more than a signature on a document. It deserves a coordinated defense. Morgan Legal Group, led by Russel Morgan, Esq., helps families across New York — from New York City and Long Island to Westchester, the Hudson Valley, and Upstate — lock in protections that last.
What a Secure New York Estate Plan Covers
A complete plan coordinates four interlocking documents so no gap leaves your family exposed:
| Document | Authority | Core protection |
|---|---|---|
| Will | EPTL §3-2.1 | Controls asset distribution; without one, EPTL Article 4 intestacy rules decide for you |
| Trust(s) | EPTL Article 7 | Revocable trust avoids probate; irrevocable trust protects against estate tax, creditors, and Medicaid’s 5-year look-back |
| Durable Power of Attorney | GOL §5-1513 (2021 form) | Authorizes a trusted person to manage finances if you cannot |
| Health Care Proxy | NY Public Health Law Art. 29-C | Appoints an agent for medical decisions — separate from your financial POA |
The 2026 New York Estate Tax Cliff
New York’s estate tax exclusion is $7,350,000 for deaths in 2026. Estates exceeding 105% of that threshold ($7,717,500) lose the entire exemption — taxed from dollar one at rates up to 16%. An irrevocable trust, timed correctly, can shield assets before New York’s 3-year gift look-back applies. The window to act is now.
Start Protecting What You Have Built
Every week without a plan is a week your estate is exposed. Schedule a 30-minute strategy call with Russel Morgan, Esq., and leave with a clear roadmap to secure your family’s future across New York State.
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Further reading from Morgan Legal Group: how trusts fit an estate plan.