Estate Readiness & Settlement Management

Significant estates settled. Executors relieved. Every detail managed, start to close.

Ridgeline Estate Operations is a dedicated estate readiness and settlement partner for estate owners, named executors, individual trustees, and the advisors who serve them — building the foundation before death and driving the full settlement process after, so nothing falls through the cracks and no one carries it alone.

The Gap

Execution falls to everyone — and no one.

When someone dies with a significant estate, every professional has a defined role. But no single professional owns the full process.

The executor is expected to coordinate everything — while grieving, while figuring it out for the first time, while managing the rest of their life.
1,000+ hours
The average burden shouldered by executors settling an estate over $5M without dedicated operational support — the equivalent of roughly half a year of full-time work. (EstateExec)
Attorney

Legal guidance — ensures estate is legally compliant and protected. Addresses key legal & estate tax filings and issues as they arise. Focused on legal determinations — not operational coordination.

CPA / Tax Advisor

Tax compliance and filings — files all tax obligations accurately, on time, and with optimal outcomes. Executes filings and tax strategy — not managing the process.

Financial Advisor / RIA

Financial guidance — protects and manages estate investments throughout the settlement process. Not structured for operational execution.

Named Executor or Individual Trustee

Expected to drive and coordinate everything — managing all parties, tasks, and timelines while making every key decision. Often inexperienced and unfamiliar with the estate's details. Always overwhelmed and grieving.

The Execution Gap

No central plan or coordinated project. No single professional driving the process from start to close. Executor left holding every piece together.

Ridgeline fills this gap — ensuring executor readiness and driving the process end to end, while full decision-making authority stays where it belongs.
Our Services

From pre-death readiness to final distribution

Ridgeline offers two complementary services, each valuable on its own — and together, most powerful. The Blueprint becomes the operational foundation that makes settlement faster, better organized, and significantly less stressful for everyone involved.

Pre-Death — Estate Readiness
The Settlement Blueprint™
A comprehensive, executor-ready plan built while the estate owner is alive — organized, current, and ready to mobilize immediately at death
  • Estate Snapshot — the complete operational picture of the estate, built and organized for handoff
  • Financial, physical, and digital assets fully inventoried
  • Key contacts, documents, and obligations all mapped and located
  • Executor Orientation — named executors briefed on the estate and their role before the moment arrives
  • Process understood, key contacts in place, no cold start at death
  • Activation is one call away
  • Settlement Project Plan — a sequenced, estate-specific plan ready to mobilize at death
  • Critical first-two-week actions spelled out
  • Key dependencies and milestones flagged throughout
  • Updated annually — or whenever material changes occur
Post-Death — Settlement Management
Estate Settlement Management
A dedicated Estate Navigator — an experienced professional — activates within 24 hours and drives everything to close
  • Estate Navigator — one dedicated professional organizing and driving the full process, from day one through final distribution
  • Single point of contact; activates within 24 hours of death
  • Manages every workstream simultaneously — nothing stalls, nothing falls through the cracks
  • Executor Experience — the executor stays in control without carrying the operational burden
  • Decisions batched and presented clearly — approve in minutes, not hours
  • Real-time updates via online portal — always know exactly where things stand
  • Full Professional Coordination — every task, key decision and estate resource kept aligned and moving
  • Persistent follow-up across every institution, account, asset and obligation
  • Attorney and CPA engagements supported — organized information, not chaos
  • Physical assets, estate expenses, and tax deadlines all managed throughout.

You remain the executor — and the decision-maker. Your attorney and CPA focus on what they do best, because everything is organized before it reaches them. Ridgeline handles the rest.

The Process

Every phase, driven end to end — Blueprint to final distribution

Estate settlement unfolds across six phases. Ridgeline drives every phase — organizing, coordinating, and executing from activation through final distribution. Whether you engage pre-death through the Settlement Blueprint or come to us at activation, the same structured process guides your estate to close.

The milestones below represent key phases in a highly detailed process. Each engagement involves hundreds of individual steps, decisions, and coordination touchpoints — all driven by your Estate Navigator, and many in close coordination with your attorney, CPA, and financial advisors.

0
Pre-Death
Build the Settlement Blueprint™
Pre-death estate readiness — the most powerful way to prepare
Complete asset registry built — financial, physical, and digital — with every institutional contact documented
Settlement project plan drafted and maintained annually — ready to engage with attorneys and advisors at activation
Executor oriented before they need it — process understood, key contacts in place, no searching at death
1
Day 1–7
Mobilize & Align
Critical actions taken immediately — no delays, no guesswork
Attorney engaged as first call — legal authority established, probate initiated and/or Trust Certification prepared, Letters Testamentary tracked
Week-one priorities identified, sequenced, and assigned — executor guided through the activation checklist step by step
Critical advisors and institutions notified within 48 hours — estate portal opened, communication cadence established
Immediate liquidity needs and time-sensitive obligations flagged and actioned
2
Week 1–4
Understand & Stabilize
Real stabilization actions taken across every asset category
Financial assets systematically discovered and reconciled — managed accounts, retirement plans, forgotten accounts, and unclaimed property databases searched
Physical assets secured — real estate protected, insurance continuity confirmed, property management coordinated
Digital assets inventoried — online accounts identified, access pathways documented, personal photos, videos, and sentimental content located and preserved
Ongoing obligations identified — mortgage, insurance, utilities, and subscriptions reviewed for continuation or cancellation
Estate checking account and EIN established — all income, expenses, and obligations tracked from day one
3
Month 1–12
Administer & Execute
The operational core — Ridgeline drives every workstream simultaneously
Every institutional transfer coordinated, tracked, and followed up — nothing stalls without escalation
Physical assets managed through to disposition — property maintained, personal property organized, estate sale coordinated
Recurring estate obligations managed and paid on schedule from estate account
Decisions batched and presented clearly — approval requests organized so the executor decides efficiently, not constantly
Weekly status reports issued — executor and advisors always know exactly where things stand
4
Month 6–18
Prepare & File
Financial records compiled, organized, and delivered — professionals can move efficiently
All financial documentation compiled and organized for CPA and attorney review — income, expenses, asset values, and transaction records delivered in structured format
Appraisals coordinated for real estate, business interests, and personal property requiring formal valuation
Tax deadlines tracked and managed — Form 1040 (final return), Form 706, portability election, Form 1041, and state filings all monitored with advance alerts
5
Month 12–24
Distribute & Close
Every distribution coordinated, every obligation resolved, case formally closed
Distribution schedule prepared and coordinated with attorney and CPA — cash and in-kind distributions executed
Beneficiary receipts collected, all obligations cancelled, probate formally concluded
Complete case summary delivered — close-out meeting conducted with executor, advisors, and attorney
Partnering with Investment Advisors

Help your clients prepare. Be there when it matters most.

Estate settlement is one of the most operationally demanding moments a client family will face — and one of the highest-risk moments for an advisory relationship. Ridgeline gives financial advisors a dedicated operational partner to extend their service offering, deepen client relationships, and remain present at the moments that matter most.

01
Complete your service model
Your clients expect comprehensive support across the full arc of their financial lives. Estate settlement execution is the capability most advisory practices can't provide in-house — and the gap is visible at exactly the wrong moment. Ridgeline fills it cleanly, without adding to your team or your workload.
02
Build the next-generation relationship before the transfer
The Settlement Blueprint's executor orientation brings adult children into a structured conversation — with you present — while the client is still alive. Not a referral introduction at the moment of crisis. A real relationship, built before it's needed, with you at the center.
03
Stay engaged at the moments that matter
Settlement is when advisory relationships are most vulnerable — executors are overwhelmed, decisions happen fast, and outside voices fill the vacuum. Advisors who are embedded from the start stay informed and relevant at key decision points. The ones who aren't often hear from the executor months in, after important decisions have already been made.
04
A structured annual touchpoint built into the relationship
The annual Blueprint refresh isn't a maintenance task — it's a dedicated forum with your client centered on something that matters deeply to them. Every update is a reason to engage. Every conversation reinforces the relationship.
Who We Serve

Built for significant estates. Designed for every stakeholder.

Ridgeline serves estate owners preparing ahead, the executor or trustee at the center of settlement, and the professional advisors who work alongside them and their families.

Estate Owners

You've built something significant. The Settlement Blueprint gives your executor the foundation they need before the moment arrives. Ridgeline's Settlement Management gives you peace of mind that the people you trust will have the operational support they deserve.

Named Executors & Individual Trustees

You've been named to manage a significant estate — often as a family member or close friend, often for the first time, always while grieving. Ridgeline can help take the operational burden off your shoulders so you can focus on decisions, not logistics. A dedicated Estate Navigator drives the process from day one, decisions are consolidated and presented clearly, and you always know exactly where things stand. You remain in full control — without carrying it alone.

T&E Attorneys and CPAs

Ridgeline handles the operational layer — institutional coordination, document and data consolidation, asset management, and end-to-end process coordination — so you can focus on what you do best. All legal determinations and tax advice remain exclusively yours; fiduciary boundaries are reinforced throughout. Your clients arrive organized, and your engagements run cleaner and faster.

About

Why Ridgeline exists

Ridgeline was founded by Andy Sheehan, who spent over two decades at Experian and Mastercard building businesses sharing a common purpose: take something overwhelming and make it navigable. Mortgage underwriting, car buying, small business payments, credit score improvement — complex, high-stakes processes that families and businesses deserved to have simplified.

The idea for Ridgeline came from lived experience. When Andy and his wife navigated the settlement of her mother's estate, they found themselves surrounded by capable professionals — and yet somehow still felt on their own. Each advisor played their part. No one owned the full picture. The weight fell entirely on the family. And in hindsight, even just a few more hours of preparation in advance would have made everything that followed dramatically easier. That insight became the Settlement Blueprint.

Ridgeline pairs genuine human guidance with modern, secure technology — because families navigating significant estates deserve both.

The moment someone is named executor, the weight of it lands immediately. Ridgeline is built to help carry that weight.

Careers

We're building the team. If you have a background in estate or trust administration and are motivated to raise the bar for how executors are supported through the process, we'd like to hear from you.

View open role →
Get in Touch

Let's have a conversation

Every estate settlement is different. Whether you're navigating one, planning ahead for one, or advising on one — we'd welcome the conversation.

Serving
Larger estates (typically $3M+)
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