How we can instantly Increase a Client’s Legacy By a Tax-free $680,000

Most people assume legacy planning means “leaving whatever is leftover.” That assumption can be costly.

We have a new client who has $400,000 in tax-deferred retirement assets that they will never personally need in retirement. Their goal with this money isn't retirement income — it's ensuring their two children receive the maximum possible benefit.

Here’s what most people don’t take into account:

If those assets were simply inherited as is, their two children wouldn’t receive $200,000 each. Instead, it would be closer to $130,000, after taxes.

So we explored two advanced planning strategies.

OPTION ONE:

The $400,000 can be repositioned into an income-producing financial vehicle. Simultaneously, the client will take out a life insurance policy with a $680,000 death benefit.

The income the financial vehicle produces will directly cover the premiums on the $680,000 tax-free life insurance benefit.

The result:

• The original $400,000 remains tax-deferred.
• $680,000 is added — tax-free
• ​Total legacy value: $1,080,000 on day one!

Each child will receive substantially more, immediately.

OPTION TWO:

If insurance approval weren’t available for him, there's an alternative strategy that will instantly increase the $400,000 to $600,000 and continue to grow from there. The growth each year will be credited 200% annually, and it locks the gains every year — still dramatically improving the legacy outcome.

In both cases, the beneficiaries’ position improves on day one, not years later.

This is advanced legacy planning — and it’s an area most financial professionals aren’t trained to address. The client didn't have to do anything other then tell us he had a goal of giving his children more money than he had saved up already. That's it. He didn't have to know all this existed beforehand. He didn't have to have some superior financial education. Our team brought that to the table.

If you’d like to understand how advanced financial strategies can work for you, we can have a short discovery meeting to determine if there's a strategy that will work for you.

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