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52 Chestnut Street, Suite 204, Rutherford, NJ 07070

nuno@pereirawm.com
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Build the LegacyYou’ve Worked a Lifetime to Create

You’ve spent decades building something meaningful — a business, a family, a life’s work. Estate planning is how you can make sure it endures. At Pereira Wealth Management, Nuno Pereira brings specialized expertise as a Certified Trust and Fiduciary Advisor (CTFA) to help you craft a plan that protects what matters most — and helps ensure the people you love are taken care of for generations to come.

What Is a CTFA?

The Certified Trust and Fiduciary Advisor (CTFA) designation is awarded by the American Bankers Association to wealth management professionals who demonstrate advanced knowledge in trusts, estate planning, financial planning, tax law, and ethics. It is one of the most respected credentials in the field of wealth transfer and fiduciary services.

Your Wealth Advisor & Your Attorney: Better Together

Pereira Wealth Management’s Role in the Process:

•  Collaborate with your estate planning attorney from day one

•  Translate complex legal structures into plain-language financial strategy

•  Ensure your investment accounts, retirement assets, and insurance align with your estate plan

•  Coordinate beneficiary designations across all accounts

•  Review and updates your plan as life changes

Think of Pereira Wealth Management as the quarterback of your estate planning team — making sure every player is working from the same playbook, so nothing falls through the cracks.

Estate Planning Services

Wills & Trusts

Pereira Wealth Management works alongside your attorney to make sure your will and trust structure reflects your financial reality — from account ownership to beneficiary designations — so your wishes are carried out exactly as intended.

Beneficiary Planning

The wrong beneficiary designation can override your will entirely. we review every account, retirement plan, and insurance policy to ensure the right people receive the right assets — at the right time.

Tax-Efficient Wealth Transfer

From gifting strategies to trust structures and charitable planning, we identify opportunities to reduce estate taxes and maximize what you pass on to your heirs and the causes you care about.

Legacy & Values Planning

A true legacy goes beyond dollars. We help you articulate and encode your values — through family governance conversations, ethical wills, and philanthropic vehicles — so your influence lives on.

Why Estate Planning Matters — No Matter Your Stage of Life

Many people assume estate planning is only for the ultra-wealthy or the elderly. In reality, it’s one of the most important financial steps anyone can take — whether you’re accumulating wealth, raising a family, running a business, or approaching retirement.

Without a plan, the state decides:

  • Who inherits your assets
  • Who raises your children
  • Who makes medical decisions on your behalf
  • How much your heirs pay in taxes and legal fees

Pereira Wealth Management helps you take control of those decisions — protecting your family, honoring your wishes, and leaving the legacy you’ve always envisioned.

We Help Clients Navigate:

  • Blended families and complex family dynamics
  • Business succession and ownership transfer
  • Caring for a loved one with special needs
  • Charitable giving and family foundations
  • Sudden wealth events: inheritance, sale of a business, or retirement
  • Multi-state estate considerations
Creating a Comprehensive Estate Plan

Creating a Comprehensive Estate Plan

What does it take to create or update your estate plan? Here's a 7-step Estate Planning Checklist to help you get started.
Learn More
Why Everyone Needs an Estate Strategy

Why Everyone Needs an Estate Strategy

Do you have an estate strategy? You should.
Learn More

Frequently Asked Questions: Estate Planning

Q: Do I need an estate plan even if I’m not wealthy?

Absolutely. Estate planning isn’t just about distributing assets — it’s about making sure the right people make decisions for you if you can’t, that your children are cared for by the people you choose, and that your wishes are honored. Everyone over 18 benefits from at least a basic estate plan.

Q: What’s the difference between a will and a trust?

A will directs how your assets are distributed after death and must go through probate — a public court process that can be time-consuming and costly. A trust holds assets on behalf of your beneficiaries, often avoids probate entirely, and can provide more control over when and how assets are distributed. Pereira Wealth Management works with your attorney to help you understand which structure best fits your situation.

Q: If a CTFA isn’t an attorney, what exactly do they do?

A CTFA can handle the financial coordination that sits alongside your legal documents — ensuring your accounts, retirement plans, insurance policies, and beneficiary designations all align with your estate plan. He or she collaborates directly with your attorney, prepares financial analysis, and helps ensure nothing slips through the cracks. Your attorney drafts the documents; your CTFA makes sure the financial picture supports them.

Q: What happens if I die without an estate plan?

Your estate will be distributed according to your state’s intestacy laws — which may not reflect your wishes at all. Courts will decide who raises your minor children, and your heirs could face a lengthy probate process, higher taxes, and unnecessary legal fees. Planning ahead prevents all of this.

Q: How do beneficiary designations work, and why do they matter?

Beneficiary designations on retirement accounts, life insurance, and certain bank accounts pass assets directly to the named person — bypassing your will entirely. An outdated or incorrect designation can override years of careful planning. Pereira Wealth Management reviews all designations as part of the estate planning process to make sure they’re current and coordinated.

Ready to Leave a Lasting Legacy?

Contact Us Today

Estate planning doesn’t have to be complicated or overwhelming. It just needs to start. Whether you’re putting a plan in place for the first time or updating one that no longer fits your life we are here to guide you every step of the way — from that first conversation to the moment your plan is signed, sealed, and in place.