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)
*Estimates based on typical tax scenarios.
The Solution
Four Pillars of Protection
Tax-Free Transfer
Death benefit passes 100% income tax-free. Avoid the tax bombs of inherited IRAs.
Asset Protection
Dynasty trusts and ILITs protect wealth from creditors, lawsuits, and divorce.
Living Benefits
Access benefits if you become chronically or terminally ill—protecting assets from nursing home spend-down.
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
Build a Legacy That Lasts
Schedule a Legacy Planning Assessment to evaluate your current estate plan, identify tax gaps, and explore generational wealth systems.