Premium Planning for Families Near Cranbrook and the Country Club
Strategic Estate Planning in Bloomfield Hills, MI (2026)
Shield your IRA from the 40% tax trap and your home from long-term care costs. Experience our high-touch process at our Woodward Ave office or through our white-glove virtual service.
2026 Bloomfield Hills Planning Brief
High-Touch Expertise. Modern Accessibility.
Our Bloomfield Hills headquarters serves as the tactical hub for families navigating complex SECURE Act tax liabilities and Medicaid Look-Back rules.
We invite you to join us in our private professional suite on Woodward Ave (featuring dedicated private parking) or utilize our seamless virtual workflow. Both paths lead to the same result: A 'Done-For-You' Asset Shield™ that coordinates your legal and financial goals.
Our Location
Bloomfield Hills
Premium Asset Protection
Legal Segmentation for Your Life’s Work
We don't just draft documents. We organize your savings, properties, and business interests into protected entities. This 'Done-For-You' approach ensures your shield is active and your legacy is probate-proof.
- Tax-Efficient Trusts :
- Shield your IRAs and 401(k)s from immediate 40% taxation when passed to heirs.
- Portability & Exemption Strategy :
- Leverage the 2026 $15.0M exemption to ensure spouses maintain maximum tax protection.
- Done-For-You Funding :
- We handle the retitling of your Bloomfield Hills home and brokerage accounts into your trust.
"I had a trust, but my financial advisor told me it wasn't updated for the newest tax laws. My kids would have lost 40% of their inheritance."
The Strategy
Sophisticated Protection for High-Value Estates.
In 2026, Bloomfield Hills families are facing a "Perfect Storm." The sun-setting of prior tax exemptions and the rising cost of long-term care ($12,216/mo) can wipe out a generation of growth.
We specialize in Asset Protection Strategy that coordinates with your CPAs and Wealth Managers. We ensure your $15.0 Million exemption is fully leveraged, while shielding your lifestyle from the "Outside-In Trap" of lawsuits and care costs.
Our **Proven Process** is designed for your busy schedule. We provide white-glove virtual consultations, dedicated on-site parking at our Woodward Ave office, and a "Done-For-You" funding service that guarantees your plan is active.
- Retirement Tax Rate
- Up to 40%
- Federal Exemption (2026)
- $15.0M
- Penalty Divisor (2026)
- $12,216
- Assets Protected
- $2B+
Risk Analysis
Proactive Shield vs. Leaving Wealth Exposed
Compare the long-term impact of a fortified Asset Shield™ against a traditional 'document-only' approach.
Tax Protection
The Rutkowski Shield: Strategic mitigation of the 40% Retirement Tax Trap
Traditional Will/Trust: Heirs may face massive immediate tax bills on IRAs
Privacy
The Rutkowski Shield: Fully private — details stay within the family
Traditional Will/Trust: Public — filings open to anyone in Oakland County
Asset Funding
The Rutkowski Shield: Done-For-You — our team moves the assets for you
Traditional Will/Trust: DIY — you are responsible for moving assets yourself
Timeframe
The Rutkowski Shield: Weeks — smooth private distribution
Traditional Will/Trust: 6-14 Months — standard probate delay
Trusted by Over 450 Clients with a 4.9 Star Rating
The Rutkowski law firm is amazing. I got notified that I had to deploy and recently had a daughter. They listened to my wife and I’s situation and did everything to take care of us. 1 month after talking with them I had my trust signed and ready to go right before I had to leave. They are amazing and Im glad I was able to work with them! Highly recommend anyone that’s interested to talk with them!
My family was in what I had thought was a crisis. We scheduled an appointment and learned we were not! Angela, Chris, Gail and Lea have so much knowledge and compassion. I’m certain they have saved us and our home. Don’t hesitate to put your trust and family in their hands.
The Rutkowski Process: Designed for Bloomfield Hills
We bridge the gap between high-level legal strategy and empathetic family care. In person or virtually.
Initial Discovery Consultation
- Meet with our team virtually or at our Woodward Ave office in Bloomfield Hills.
- Discuss your high-value assets and family goals in detail.
- Determine which Asset Shield™ plan best meets your specific tax and protection needs.
Design & Architecture Meeting
- Work with a Bloomfield Hills attorney to design a tax-efficient estate structure.
- Identify and mitigate tax liabilities in your IRAs and ensure proper legal segmentation.
- Review documentation to ensure your plan is fortified against Michigan probate.
Professional Partnership Review
- Collaborate with your existing wealth managers and CPAs to align your legal and financial plans.
- Ensure estate tax portability is locked in for surviving spouses.
- Finalize the strategic funding plan to shield your accounts.
The Signing Ceremony
- Finalize your documents in our Bloomfield Hills office or via our secure virtual signing process.
- Review every detail to ensure it matches your family’s vision.
- Execute your plan with a Michigan notary to make your protection legally binding.
Done-For-You Trust Funding
- We perform the heavy lifting. Our team funds your trust for you.
- We coordinate the retitling of your home and financial accounts with your institutions.
- Verify that your assets are officially inside the shield and out of harm’s way.
Annual Legacy Review
- We review your strategy every year to account for life changes and new legislation.
- Stay updated on changes to Federal Tax exemptions and Michigan Medicaid laws.
- Ensure all new assets are properly titled to keep your legacy out of Oakland County Probate Court.
Estate Planning Guide
Estate Planning is an essential process that will protect your assets and ensure you’re your estate is distributed according to your wishes after your death.
Many people make mistakes when creating their estate plan, which can lead to unnecessary stress, confusion, and costly legal battles for their loved ones. Below, our estate planning team put together the top 10 and most common mistakes we see in estate planning.
Bloomfield Hills Planning FAQ: 2026 Edition
Guiding the Firm, Protecting Families
Whether you need a will, trust, asset protection plan or are in need of medicaid crisis planning, our team is here to help! We are dedicated to providing you with the best legal representation possible. Call us today to book your consultation.
Meet the Whole Team
Estate Planning for Michigan Families
Don't leave your family with a useless binder.
Most firms hand you a template and expect you to do the work. We provide a Done-For-You process that handles Trust Funding and Asset Protection.
We specialize in protecting your home from the 5-Year Medicaid Look-Back, ensuring your house stays in your family and out of the state's hands. Plan now so you never become a burden to those you love.
For a Call Back: Pick a time for a quick, 15-minute phone call with our intake team. They will gather your basic details and schedule your strategy session with our Customer Success Director. No tech degree or legal preparation required.
Our Offices
Is your home the "anchor" holding up your family's inheritance?
Why real estate often causes the longest probate delays and how to bypass the bottleneck.
Founder / Attorney
The deed-transfer trap you might be walking into
Why adding your child’s name to your home title could create more problems than it solves.
Founder / Attorney
Is your estate plan built for the life you live today?
Why a calendar-based review is outdated—and the three questions that will tell you if your plan is actually working.
Founder / Attorney