About The Estate Gap
Estate & Legacy Planning in Plain English
I'm Bill Rice. I've spent 30+ years in lending and financial services, and I built The Estate Gap to help everyday families plan their estates and protect what they have worked a lifetime to build.
My Story
After three decades in lending and financial services, I've worked with thousands of families on some of the largest financial decisions of their lives. That experience gave me a clear view of where households are well prepared — and where they quietly leave their families exposed.
The pattern I kept seeing: capable, hard-working families with real assets but very little margin. They had built something worth protecting, yet their estate plan was incomplete, out of date, or missing entirely. And the information online was either too superficial to be useful or too salesy to be trusted.
The Estate Gap is my answer to that problem. It explains wills, living trusts, beneficiaries, and the rest of estate and legacy planning in plain English. Every guide and glossary term comes from wanting to build the resource I wish more families had before they needed it.
Why I Built The Estate Gap
The families who are best protected are the ones who understand the basics — what a will does and does not cover, why beneficiaries override a will, how probate works, and where a typical plan falls short. I wanted to give every family access to that same level of clarity, without the jargon and without a sales pitch.
So I started writing plain-English guides and explanations of the terms that matter most, and publishing articles that go deeper than the surface-level advice you find everywhere else.
This isn't a company trying to sell you a course or a subscription. It's one person with decades of financial-services experience who wants to help families close the gaps in their plans with confidence.
Background & Credentials
30+ Years in Lending & Financial Services
Three decades of experience in lending, underwriting, and financial services — a deep understanding of how families build, hold, and pass on wealth.
AFOSI Special Agent
Former Special Agent with the U.S. Air Force Office of Special Investigations (AFOSI). Air Force Academy graduate (B.S., 1992).
BRSG Founder
Founder of Bill Rice Strategy Group (BRSG), bringing strategic thinking to estate and legacy planning education and content.
What You'll Find Here
Estate Planning Guides
Plain-English guides on wills, living trusts, beneficiaries, and protecting what you have built.
Articles
Clear, practical writing on estate and legacy planning topics, published regularly.
Plain-English Glossary
Estate and legacy planning terms explained simply, with practical examples.
Free Resources
Checklists and tools to help you organize your documents and take the next step.
Newsletter
Plain-English estate planning guidance delivered to your inbox.
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Plain-English estate and legacy planning guidance from someone who's spent 30+ years in financial services. Free, no spam.