# Swoopr Investment: Estate Planning
# Scoped content manifest for LLM agents and web crawlers.
# Generated: 2026-10-09
# 13 pages in this section.
# Root index: https://www.getswoopr.com/llms.txt

## Estate Planning for Investors

- [Estate Planning for Investors: Accounts](https://www.getswoopr.com/estate-planning/) ([Markdown](https://www.getswoopr.com/estate-planning.md)): Coordinate investment accounts, beneficiaries, titling, cost-basis records, liquidity, inherited assets and private holdings with an evidence-first investor checklist.
- [Beneficiary Designations in Practice](https://www.getswoopr.com/estate-planning/beneficiary-designations-in-practice-worked-example-and-portfolio-context/) ([Markdown](https://www.getswoopr.com/estate-planning/beneficiary-designations-in-practice-worked-example-and-portfolio-context.md)): A complete beneficiary designation audit for a blended family with a $2.8 million portfolio: IRA, 401(k), Roth IRA, taxable brokerage, and life insurance. Identifies gaps, quantifies the SECURE Act income tax cost, and sets out corrective actions.
- [Beneficiary Designations](https://www.getswoopr.com/estate-planning/beneficiary-designations-key-alternatives-and-tradeoffs/) ([Markdown](https://www.getswoopr.com/estate-planning/beneficiary-designations-key-alternatives-and-tradeoffs.md)): Compare the key beneficiary designation alternatives: spouse vs children, individual vs trust, traditional IRA vs Roth for non-spouse beneficiaries, charitable remainder trusts, and how the SECURE Act shapes the optimal choice for each account type.
- [Beneficiary Designation Risks](https://www.getswoopr.com/estate-planning/beneficiary-designations-risks-failure-modes-and-common-mistakes/) ([Markdown](https://www.getswoopr.com/estate-planning/beneficiary-designations-risks-failure-modes-and-common-mistakes.md)): The most common beneficiary designation mistakes: naming a minor child directly, a former spouse on an old IRA, no contingent beneficiary, the estate as default, and failing to update after divorce. Learn what goes wrong and how to prevent it.
- [Beneficiary Designations](https://www.getswoopr.com/estate-planning/beneficiary-designations-tod-account-titling/) ([Markdown](https://www.getswoopr.com/estate-planning/beneficiary-designations-tod-account-titling.md)): A will is only one part of how investment assets move after death. Retirement accounts commonly transfer according to beneficiary designations, brokerage...
- [Beneficiary Designations: What They](https://www.getswoopr.com/estate-planning/beneficiary-designations-what-it-is-and-why-investors-care/) ([Markdown](https://www.getswoopr.com/estate-planning/beneficiary-designations-what-it-is-and-why-investors-care.md)): Beneficiary designations control who inherits your IRAs, 401(k)s, life insurance, and annuities, and they override your will entirely. Learn how they work, primary vs contingent beneficiaries, per stirpes vs per capita, and SECURE Act changes to inherited IRAs.
- [Estate Transfer in Practice](https://www.getswoopr.com/estate-planning/estate-transfer-in-practice-worked-example-and-portfolio-context/) ([Markdown](https://www.getswoopr.com/estate-planning/estate-transfer-in-practice-worked-example-and-portfolio-context.md)): A complete worked example of estate transfer planning for a $3.5M estate: identify transfer mechanisms for each asset, calculate step-up in basis savings on a brokerage account, perform a beneficiary designation audit, and assess state estate tax exposure.
- [Estate Transfer: Key Alternatives](https://www.getswoopr.com/estate-planning/estate-transfer-key-alternatives-and-tradeoffs/) ([Markdown](https://www.getswoopr.com/estate-planning/estate-transfer-key-alternatives-and-tradeoffs.md)): Compare estate transfer alternatives: will vs revocable living trust, joint tenancy vs transfer-on-death, outright gift vs trust distribution, inherited IRA stretch vs lump sum, and irrevocable life insurance trusts for large estates.
- [Estate Transfer Mechanics: What They](https://www.getswoopr.com/estate-planning/estate-transfer-mechanics-what-it-is-and-why-investors-care/) ([Markdown](https://www.getswoopr.com/estate-planning/estate-transfer-mechanics-what-it-is-and-why-investors-care.md)): How assets transfer at death through wills, beneficiary designations, trusts, and joint ownership; why probate matters; federal estate tax exemption; and the step-up in cost basis that eliminates embedded capital gains.
- [Estate Transfer Risks, Failure Modes](https://www.getswoopr.com/estate-planning/estate-transfer-risks-failure-modes-and-common-mistakes/) ([Markdown](https://www.getswoopr.com/estate-planning/estate-transfer-risks-failure-modes-and-common-mistakes.md)): The most common and costly estate transfer mistakes: stale beneficiary designations, unfunded trusts, IRAs naming the estate, missing state estate tax on multi-state property, title errors, and the TCJA sunset planning gap.
- [How to Evaluate Beneficiary Designations](https://www.getswoopr.com/estate-planning/how-to-evaluate-beneficiary-designations-a-swoopr-decision-framework/) ([Markdown](https://www.getswoopr.com/estate-planning/how-to-evaluate-beneficiary-designations-a-swoopr-decision-framework.md)): A step-by-step framework for auditing and updating beneficiary designations on IRAs, 401(k)s, and other accounts. Covers how to identify accounts that need designations, primary vs contingent strategy, per stirpes election, and SECURE Act considerations.
- [How to Evaluate Estate Transfer Options](https://www.getswoopr.com/estate-planning/how-to-evaluate-estate-transfer-a-swoopr-decision-framework/) ([Markdown](https://www.getswoopr.com/estate-planning/how-to-evaluate-estate-transfer-a-swoopr-decision-framework.md)): A five-step framework for evaluating estate transfer options: inventory assets, identify transfer mechanisms, calculate estate value vs thresholds, evaluate tax cost of each path, and review beneficiary designations. Includes a worked $2M estate example.
- [Inherited Investments, Cost Basis](https://www.getswoopr.com/estate-planning/inherited-investments-cost-basis-step-up/) ([Markdown](https://www.getswoopr.com/estate-planning/inherited-investments-cost-basis-step-up.md)): For many assets inherited from a decedent, U.S. tax basis is generally reset to the asset’s fair market value on the date of death, or to another permitted...