Infinite Wealth Builder
Strategy Pillar

Legacy & Protection

Protect Your Family, Not Wall Street

70% of wealthy families lose their wealth by the second generation. Build a legacy that survives taxes, lawsuits, and market crashes.

The Threat

The 70% Statistic

You've worked a lifetime to build it. But without protection, it can disappear in a generation.

  • The IRS: Income taxes on IRAs/401Ks, Estate taxes
  • Creditors: Lawsuits, medical costs, nursing homes
  • Divorce: 50% of marriages end in divorce
  • Unprepared Heirs: "Shirtsleeves to shirtsleeves in three generations"

Traditional estate planning focuses on documents. We focus on systems.

Inheritance Math ($1M Asset)

401(k) / IRA
Ordinary Income (High)
~$650,000
Brokerage
Step-up Basis (Low)
$1,000,000
Life Insurance
Tax-Free
$1,000,000+

*Estimates based on typical tax scenarios.

The Solution

Four Pillars of Protection

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Tax-Free Transfer

Death benefit passes 100% income tax-free. Avoid the tax bombs of inherited IRAs.

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Asset Protection

Dynasty trusts and ILITs protect wealth from creditors, lawsuits, and divorce.

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Living Benefits

Access benefits if you become chronically or terminally ill—protecting assets from nursing home spend-down.

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Generational Systems

Pass on not just money, but a Family Banking System and financial values.

Tailored Strategies

Legacy Planning by Situation

Business Owners

Succession planning, liquidity for estate taxes (so business doesn't have to be sold), and equalization for non-business heirs.

Blended Families

QTIP trusts, separate property designations, and specific beneficiary planning to prevent disinheritance.

High Net Worth ($13M+)

ILITs, Dynasty Trusts, and gifting strategies to minimize federal estate tax exposure.

Living Too Long

Hybrid long-term care/life insurance policies to protect assets from nursing home spend-down.

Questions

Legacy Q&A

Schedule Legacy Assessment
Legacy needs differ from income replacement. Consider estate tax liability, equalization for heirs, and generational wealth goals. Often $2-10M+ for legacy purposes.
The federal estate tax exemption is high ($13.61M in 2024) but scheduled to drop in 2026. State estate taxes can kick in much lower. Life insurance in an ILIT can provide liquidity to pay these taxes without selling assets.
Assets left in trust (like a Dynasty Trust) are generally protected from your heirs' future divorces and creditors. Direct cash inheritances are often commingled and lost.

Build a Legacy That Lasts

Schedule a Legacy Planning Assessment to evaluate your current estate plan, identify tax gaps, and explore generational wealth systems.