What Happens After a Personal Injury Settlement?
A legal settlement is supposed to bring relief, not keep you up at night. But for many families, it raises more questions than it answers. As a family navigating life after a personal injury lawsuit, you might be:
- Trying to figure out what comes next now that the settlement funds are on the way.
- Wondering how to make the money last and afraid of making a costly mistake.
- Needing a plan that covers everything, including special needs trusts, taxes, and investments.
- Hoping that after everything, your loved one can maintain the care they need.
At Ironhorse Investments & Estate Planning, we help families face the post-settlement decisions you never expected to make. We walk you through the financial and legal questions so you can move forward with confidence.
We Help Make Your Settlement Work
for Your Family’s Future
Our goal is partner with you to:
Structure Funds for Today and Tomorrow
Your settlement is organized to help provide immediate income while planning for long-term needs, with coordinated tax, legal, investment, and estate strategies built in.
Shift Your Focus Back to Caregiving
You can spend your energy where it matters most, caring for your loved one, with a
team handling the financial details alongside you.
Know the Plan Is in Place
Our mission is to give you clarity about your settlement and peace of mind that
your loved one is provided for.
How It Works
1
Discovery Meeting
We learn the full picture: the settlement details, your financial situation, and what’s keeping you up at night.
2
Clear Choices
We walk through your options together, including your tax, legal, and investment decisions.
3
Mutual Commitment
Once the plan feels right, we put it into action, including drafting a trust and funding accounts.
4
Progress Monitoring
We check in for a 45-dayreview to make sure the plan is on track, and stay with you from there.
Services
Our objective is to provide you with:
FINANCIAL PLANNING
A comprehensive plan
tailored to your settlement.
INVESTMENT MANAGEMENT
Strategies balancing immediate
income with long-term needs.
ESTATE PLANNING
Trusts and legal documents
coordinated with your plan.
SPECIAL NEEDS PLANNING
Guidance on trusts,
guardianships, compliance, and
fund usage.
TAX PLANNING
Tax-aware strategies integrated
into every decision.
CASH FLOW & BUDGETING
Clarity on monthly
income and expenses.
Steven D. Kaestner, JD, CPA, CFP®, CAP®
Financial ADVISOR, ATTORNEY & CERTIFIED PUBLIC ACCOUNTANT
Jamie Kaestner
FINANCIAL ADVISOR
About Ironhorse Investments & Estate Planning
Ironhorse is a family-owned wealth management firm built around a simple idea: one plan, one team, everything working together. For families navigating life after a legal settlement, that means your special needs trust, guardianship, investment strategy, tax plan, and estate documents are all handled in one place by people who know your name and your story.
Ironhorse founder Steven D. Kaestner, JD, CPA, CFP®, CAP®, has spent more than 35 years working at the intersection of law, tax, and personal finance. Steve brings legal, tax, and financial perspective to every decision as an attorney, Certified Public Accountant, CERTIFIED FINANCIALPLANNER™ professional, and Chartered Advisor in Philanthropy®. Steve, daughter and Financial Advisor Jamie Kaestner, and the rest of the Ironhorse team come together to complete in-depth forecasting on fund longevity, build comprehensive financial plans, and manage your investments, special needs trusts, and guardianship documents, all under one coordinated strategy.
Based in Edmond, Oklahoma, with an office in Minneapolis, Minnesota, Ironhorse serves families throughout the United States. As a multi-generational firm, Ironhorse is here to help your family now and in the years ahead.
Our Goals for You in the First 90 Days
In the first 90 days of working with you, here's what we focus on:
LEGAL DOCUMENTS
IN PLACE
Estate planning and special
needs trust drafted and finalized.
A CLEAR
FINANCIAL PLAN
Income, expenses, and fund
longevity mapped out.
ANSWERS TO THE
HARD QUESTIONS
What the funds can be used for
and how much income is available
Is Ironhorse Right for You?
We may be a good fit if you:
- Are a family navigating a legal settlement and seeking clarity on how to manage, invest, and protect the funds for the long term.
- Have settlement funds of $500,000 or more.
- Want one team coordinating your trust, investments, and tax strategy instead of juggling multiple professionals.
Contact us today to take the first step toward a plan that puts everything in place for your loved one's care.
Ready to Take the Next Step?
If you're tired of lying awake wondering whether the money will
last, we're here to help. Schedule an introductory call and start
getting the answers your family needs.
Memberships & Associations
Oklahoma Bar
Association
American Institute
of CPAs
Oklahoma Society
of CPAs
Financial Services
Institute
CFP Board
Oklahoma Association of
Charitable Gift Planners
