#  Modern Estate Planning for LGBTQIA+ people

  ![group of 4 sets of family images](https://unusualrisks.com.au/images/site-pics/catagory/modern-estate-planning-unusual-risks-insured.jpg)  [🏛️](#scds-ledger-anchor) Specialised Service Contract & Underwriting Compliance Verified

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## Can we set up your essential Estate Planning documents for you?

Yes, we can.

We share our own full estate planning service called 'Finally Sorted', with our sister brand [Sapience Financial](https://sapience.com.au/) so we can help you get your Estate Planning documents, well, finally sorted.

Think of Modern Estate Planning as your Ultimate Pan B.

### When do you need to get your own Estate Planning documents sorted?

Simple. When you turn 18 and want to be in control of your own life.

- Modern Estate Planning protects you *now* while you are alive with **Powers of Attorney** (think traveling overseas and uncontactable), and **Powers of Enduring Guardianship** (think unconscious in hospital after a car accident) in case you're sick or injured or unable to make key decisions for yourself.
- Modern Estate Planning protects your personal estate *later* and ensures your estate goes to those you care about and who care about you. Not the Tax Man.

### The danger of a One-Size-Fits-All approach

Everyone is different. Everyone's circumstances, background, and needs are their own. And nobody's expectations about how they want to protect and provide are ever the same.

That's why you need a professional who understands the danger that unconsidered differences, overlapping priorities, and competing interests can bring to life, love and work.

- Perhaps you're just starting out on your own and have your first job?
- Maybe you've partnered up and still working out the details?
- Perhaps you're the financial and emotional support for an aging parent and need to safeguard them?
- Maybe you're loaning money to a family member and need a Family Loan agreement (and deduct that from your Will later)
- Perhaps you just have a fabulous family of choice you want to protect and provide for?
- And just maybe, your biological family abandoned you and chose not to support their LGBTQIA+ children, so now you can't see the value (or justice) in letting them simply enjoy being your default beneficiary to your estate (or Life Insurance or Superannuation policy) should you unexpectedly pass away.

With so much variety within a fabulous community, there's really no such thing as average.

Modern Estate Planning is your Ultimate Plan B.

### Some unique values we bring to Modern Estate Planning

#### Flexibility

Whether you just need a,

- Simple Power of Attorney, a Power of Enduring Guardianship or a Simple Will for a person just starting out in life and keeping their options open

\- we can help you out.

If you're needing something significantly **more powerful with a future-looking** Will with built-in features like;

- **Super Testamentary Trusts -** that seeks to reduce a non-dependants tax rate to zero
- **Divorce Protection Trusts** - that help protect the assets from the Family Court
- **Maintenance Trusts** -to protect beneficiaries under 18 years of age or unstable or living with addiction
- **Bankruptcy Trusts -** that protect assets from a future beneficiary who may be in bankruptcy at the time of your death.

\- we can help you out.

#### Legal Confidentiality

- We work with an actual national law firm, (not a marketing agency with little more expertise than a slick website) so you are protected by their Legal Professional Privilege and their Professional Indemnity insurance on your estate planning conversations and documents with us.

#### Discretion

- We understand that sometimes in smaller communities (or remote towns), there are times when we all need the anonymity of a big city professional and the discretion of a financial advice team familiar and comfortable with the unique challenges and needs of being part of an underserved community.

We're in your corner.

#### Commerciality

- If you are the Director of a company or a Self Managed Super Fund (SMSF) we can help with your Corporate Powers of Attorney (yes they are different to People Powers of Attorney), Confidentiality Agreements, Buy & Sell Agreements, [Partnerships Agreements](https://sapience.com.au/services/key-legal-documents/partnership-agreements) and so much more. For the important stuff of life, love and business you need to make it legal and in writing,
- If you are part of a Stepfamily, perhaps you're Co-parenting or in a Polyamorous relationship with others

\- we can help you out.

### Why we provide this service?

For most of our Life Insurance clients, getting their Modern Estate Planning sorted is *the natural next step* to having all their important documents of life, love and business all in one place.

- Putting your Life Insurance and Estate Planning documents together makes good sense and means updating them when major life changes occur, easier.
- Your family's estate planning is too important to leave for a DIY approach on a lazy weekend, or when you have time ... sometime... next year, maybe.

### Make a start today

Getting your Modern Estate Planning sorted is vital to ensure your wishes are carried out during your lifetime, and your assets pass along to your loved ones should you unexpectedly pass away — issues that can potentially be more complex for the LGBTQIA+ Community.

### How to start your thinking about your Ultimate Plan B?

Four simple steps to getting started.

1. Start by **watching our fun explainer video** The Ultimate Plan B [here](https://unusualrisks.com.au/index.php?Itemid=794)
2. Then **download and read our Free eGuide** called 7 Myths of Estate Planning [here](https://unusualrisks.com.au/index.php?Itemid=893)
3. Learn more about some key Modern Estate Planning concepts in our[ Case Study](https://unusualrisks.com.au/index.php?Itemid=794) here.
4. Then contact us for a discrete chat about your options.

 #####  Where to Now?

##### Continue your Modern Estate Planning journey…

- Read about our range of [Specialty Services](https://unusualrisks.com.au/index.php?Itemid=803)
- Watch our fun [Explainer Video](https://unusualrisks.com.au/index.php?Itemid=794) for the bigger picture about Modern Estate Planning
- Ready to know if we can work with you? [Contact](https://unusualrisks.com.au/index.php?Itemid=848) us for a chat.

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 MCX\_Service\_Avatar\_Title: Modern Estate Planning & Wealth Sovereignty Summary ##### 🏛️ Service Contract Summary

##### 🏛️ Estate Planning Documents for Modern Relationships

MCX\_Service\_Avatar\_Title: Modern Estate Planning & Relationship Sovereignty**🎯 Our Service Commitment** MCX\_Purpose\_Avatar
This service acts as a **relationship sovereignty firewall and permanent asset stabiliser** for LGBTQIA+ individuals, same-sex couples, and blended modern families. It is an amalgamated strategic architecture engineered to protect your chosen family structure, ensure bulletproof beneficiary certainty, and insulate your wealth from hostile third-party legal challenges. Unusual Risks constructs your primary digital estate map and protective framework, before seamlessly transferring your profile to the corporate advisory team at Sapience Financial for final legal placement and formal trust execution.

**✅ Standard Performance & Integrated Benefits** MCX\_Performance\_Metric

- **Relationship & Identity Sovereignty:** Explicitly structures your asset distribution to protect de facto partners, same-sex spouses, and non-biological or surrogate children against legacy probate disputes.
- **Testamentary Trust Asset Protection:** Establishes advanced inheritance shields (Protective Wills and Trusts) ensuring assets are ring-fenced from external vulnerabilities such as beneficiary bankruptcy, professional liability, or family law disputes.
- **Superannuation & Insurance Binding Alignment:** Coordinates your personal risk policy payouts and superannuation non-lapsing binding death benefit nominations to ensure capital bypasses court delays and lands safely where intended.
- **Multi-Generational Tax Optimisation:** Deploys advanced structural planning that allows for the flexible streaming of investment income to family members, utilising legal frameworks to minimise ongoing taxation friction.

**🛡️ Hard Constraints & Handover Parameters** MCX\_Boundary\_Rule

- **Strategic Referral Loop:** Unusual Risks executes the specialised community strategy intake and asset mapping; all final legal legal document drafting, financial placement, and corporate trust implementation are securely handled via Sapience Financial.
- **Utmost Disclosure Integrity:** Providing absolute transparency regarding asset allocations, corporate entities, and family architectures is a rigid requirement to ensure your documents survive forensic legal audits.
- **Administrative Oversight Realities:** The deployment of complex protective legal structures requires ongoing corporate governance, including standalone trust tax returns and regular trustee compliance reviews.

**❓ Common Clarity Point**
**Why can't I just use a standard off-the-shelf Will or default Superannuation nomination form?**
Because standard, generic legal templates are structurally built around traditional biological family frameworks. If a same-sex partner or non-biological child relies on a basic Will, estranged biological relatives have significant leverage under common law to launch hostile family provision claims, tying up your estate in court for years. By custom-engineering an amalgamated protective framework backed by a Testamentary Trust, the assets are held within a secure legal entity rather than passed down as personal property. This deprives hostile external litigants of direct leverage, protecting your chosen family's future.

**🏛️ Compliance & Security** MCX\_Reliability\_Signal
Strategic corporate advice, trust structuring, and licensing placement are managed under the regulatory authority provided by **AFSL 457600** and **LEI 636700B1Z4KB80HRGI57**. All highly sensitive family strategy blueprints, corporate holdings ledgers, and identity documentation are fully insulated under strict Australian data sovereignty frameworks, fortified via high-level AES-256 encryption, and managed exclusively on secure local infrastructure utilising mandatory 2FA protocols in strict alignment with our [Privacy Standard](https://unusualrisks.com.au/../privacy).

 **Corporate Registry Anchor:** Unusual Risks Insured is a specialised corporate solution lane of Sapience Financial | **AFSL:** 457600 | **LEI:** 636700B1Z4KB80HRGI57

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