Let’s
compose
a future
worthy
of your
story.
Different services for different paths.
Our goal is to help you achieve yours.
As a fiduciary, we act in your best interest. That means you always have a seat at the table with guidance shaped to your ambitions.
We help you always stay two steps ahead.
Who Pays the Tax on Your Trust?
A kingdom once taxed its farms twice: once at harvest, once at the gate. That old parable maps neatly onto trust taxation today. Discover who actually pays your trust's income tax, and whether its structure still earns its keep.
HEMS: The Four Words That Make a Trust Work
Every trust seems simple until someone asks for something unusual. Four words: health, education, maintenance, and support quietly govern countless trustee decisions. This "ascertainable standard" balances flexibility with protection, letting trustees adapt to life's surprises.
You Can Have the Exclusion or the Step-Up. You Rarely Get Both.
Estate planning has a hidden trade-off: shed the estate tax or keep the step-up in basis. You rarely get both. The best choice depends on your federal exposure, your state's rules, and whether you're in a community property state.
Meet our Team
Composition Wealth is a collective of advisors and industry professionals dedicated to helping you achieve your financial goals and life ambitions.
