How LearnLux Supports Employees with Estate Planning

What is estate planning as an employee benefit?

Estate planning as an employee benefit gives employees the guidance and the documents they need to decide who makes decisions on their behalf, who cares for their children, and where their assets go. With LearnLux, it starts with a conversation with a fiduciary financial planner and continues through creating the documents themselves, inside the financial wellbeing program employees already use. LearnLux Estate Planning is available to employees in the United States.

Why do most employees put off estate planning?

Only 50% of US adults have an estate plan. Among US adults, 56% believe they do not have "enough assets" to justify one. An attorney-drafted plan commonly runs $1,000 or more out of pocket. Most employees also do not know which documents apply to their situation, and that is a question a blank form cannot answer. LearnLux members report the same gap: 74% say they need to get estate planning documents in place. Employees complete estate documents when someone helps them understand which ones they need and why now.

How does LearnLux help employees create an estate plan?

An employee meets with a LearnLux Certified Financial Planner^® professional who explains what each document does and how it fits their full financial picture. LearnLux planners are salaried, in-house fiduciaries, acting in the employee's best interest, never commissioned and never selling a product. Employees work with the same planner over time, in an ongoing relationship rather than a capped or rotating one, so the estate planning conversation builds on everything the planner already knows about their situation.

From there, employees create their documents in a structured digital experience built by attorneys, at no cost to them. Interactive lessons and live webinars cover the fundamentals in plain language, so employees arrive at the planner meeting with context and the conversation starts further along. Employees can opt in to additional attorney support, plus optional printing and shipping services, for a fee.

What estate planning documents can employees create through LearnLux?

Employees create wills, trusts, powers of attorney, and healthcare directives. Documents are easy to update as life changes, so a will stays current as a family grows.

Signing is not always the last step. A plan that includes a trust may still need the trust funded, beneficiary designations updated, and assets retitled. An employee's LearnLux planner explains what remains and when to handle it, so a signed document can be fully implemented.

When does estate planning come up for employees?

Most employees do not book a planning call to talk about estate planning. The conversation starts elsewhere. A new baby raises guardianship. Marriage, remarriage, or a blended family changes who should inherit and who is named on accounts and property. Buying a home raises questions about ownership structure. Equity compensation vesting is the moment to get beneficiary designations and estate documents aligned. Employees caring for an aging parent often hold power of attorney conversations for someone else first. Employees in later working years frequently hold documents drafted for a household that has since changed.

Each of these brings an employee to a planner for another reason, which is why estate planning works best inside the financial wellbeing program rather than beside it.

What results do employers see?

One estate plan produces two sets of outcomes. Employees know their wishes will be followed and their families will be cared for, and organized assets, named guardians, and documented wishes strengthen their financial footing.

Employers get a workforce that is prepared, focused, and more likely to stay. Employees spend less time worrying about the future and more time focused at work. Prepared employees handle family responsibilities with less disruption, which cuts emergency leave and unplanned absences. Estate planning is still uncommon as an employee benefit, and offering it signals long-term investment in the people who work there.

I used LearnLux to complete our estate planning documents. This has brought me and my family so much peace of mind.

LearnLux Member, High Growth Technology Company

What's inside the guide?

The guide covers estate planning fast facts, the six things that move an employee from intention to a finished plan, the life events that bring estate planning forward, how LearnLux delivers it, and what a completed plan makes possible for employees and employers. It pairs well with the Benefits Decision Assistance guide for benefits teams evaluating how financial wellbeing connects to the rest of the benefits ecosystem.

Estate planning FAQs

‍

Is estate planning part of a financial wellbeing program?

Yes, estate planning is part of a holistic financial wellbeing program. It covers the same financial life as budgeting, benefits elections, equity compensation, and retirement, and the questions surface during the same planning conversations. A program that stops before estate planning leaves employees without guidance at one of the moments they most want it.

Does LearnLux provide legal advice?

No, LearnLux does not provide legal advice. LearnLux provides education and guidance from Certified Financial Planner^® professionals, and the document platform is built by attorneys. Neither replaces an attorney for a complex estate, and employees are told so before they begin. Attorney consultation is available for complex situations.

Do employees pay for estate planning through LearnLux?

Employees create their estate planning documents at no cost to them. Optional services carry a fee, including additional attorney support, professional printing, and shipping.

How is this different from a group legal plan?

A group legal plan gives employees access to documents. LearnLux adds the part that comes first: a fiduciary planner who explains which documents an employee needs, why now, and how they fit the rest of their financial picture. Access and completion are different problems, and the planning conversation is what moves an employee from one to the other.

What if an employee has a complex estate?

Employees with complex situations can opt in to attorney consultation, and there is a referral path for anyone whose situation exceeds the platform. Contested matters, business succession planning, trust funding execution, and tax-driven estate strategy for high-complexity estates sit outside the program.

Which estate planning documents does an employee actually need?

Which documents an employee needs depends on their family, their assets, and what they want to happen. A will, a financial power of attorney, and a healthcare directive apply to most employees regardless of net worth. Whether a trust belongs in the plan is one of the questions a Certified Financial Planner^® professional works through with the employee before any documents get created.

How do employers add estate planning to their LearnLux program?

Estate planning is part of the LearnLux program for employers whose plan includes it. Request a demo to see how it fits alongside the rest of your benefits offerings.