Expert services to meet your needs

Estate planning is for everyone, regardless of age and economic status. Without it, your wishes regarding asset and property distribution after your death may not occur.  Plus, with proper estate planning, you can protect your spouse and heirs with provisions that take into account your long-term healthcare needs and any liabilities or tax obligations. 

Because there are many important family issues and tax matters that must be addressed during estate planning, you need an ally that can help you navigate through the process and guide your team of advisors in the right direction so that your estate plan is a living plan that effectively carries out your wishes now and into the future.

Let Kilbourn Associates be your guide.

Mike Kilbourn, CLU, ChFC, CCIM, AEP, MSFS, president of Kilbourn Associates, has over 30 years experience as a family wealth transfer planning specialist and holds over 15 professional designations. Under his thoughtful guidance, you and your family will discover options to protect and grow what took you a lifetime to earn. 

Primary Services

Estate Planning Design:
Risk Management Planning:
  • Revocable Living Trust
  • Durable Power of Attorney
  • Living Will
  • Health Care Surrogate
  • HIPAA document
  • Life Insurance
  • Asset Protection
  • Disability Insurance
  • Long-Term Care Insurance
  • Deferred and Immediate Annuities
Life Insurance Audit:
Retirement Audit:
  • Better guarantees than on an existing insurance policy
  • Lower premium for the same or greater coverage
  • Larger death benefit for the same premium
  • Converting to a new policy that allows tax-free access to the full death benefit, while you are alive, for long-term care
  • Sell a policy in a “life settlement” for more than the current cash value – some percentage of the death benefit
  • Are you going to outlive your money?
  • Can you live the lifestyle you want to live in retirement?
  • Will you be able to manage increasing health care costs?
  • Can you share your money with your loved ones while you are alive?
  • Will you have financial assets remaining to leave to your loved ones?

Additional Services

Longevity Planning:
Florida Domicile Planning:
  • Long-term Care Insurance
  • Longevity Insurance
  • Dynasty Trusts
  • Health Care resources
  • Life Settlements
  • Steps to prove intent
  • Tax planning
  • Homestead Exemption
  • Information sources
  • Resources