personal

WEALTHCO RISK MANAGEMENT

TAX STRATEGIES

ESTATE BOND STRATEGY

There are significant points in everyone's life that set them on the path to success.

There was a significant moment in your life that set off a series of monumental achievements to bring you where you are today - there have also been monumental sacrifices and compromises. Points that lead many to quit - you made it through.

Rare is the ability to leave the legacy you have earned through your life's work -
because of this, giving up your ice cream is not an option.

The Estate Bond uses life insurance as a tax-planning vehicle that can increase your return on your investments, provide continued access to capital and maximize the after tax value of your estate.

We help forward thinking clients succeed through tax strategies that reward hard work with financial security.

MAKE AN APPOINTMENT WITH A RISK SPECIALIST

HOW DOES IT WORK?

THE LOGISTICS

Surplus capital is deposited into an exempt insurance policy in excess of amounts required to pay policy charges.

Cash value is created and accumulates on a tax deferred basis.

Additional paid up insurance may be purchased with re-invested dividends/bonuses.

DIVING DEEPER

THE STRATEGY IN ACTION

The following chart is based on a couple aged 57 (male) and 54 (female). The investment is $100,000 per year for the next 10 years at a rate of 4%.

Current Investment

(2% after tax)

$100,000/year - 10 years.

Estate Bond Strategy (4% current)

$100,000/year - 10 years.

$1.5 MILLION

$2.1 MILLION

$1.8 MILLION

$3.1 MILLION

IMMEDIATE DEATH BENEFIT

INVESTMENT VALUE AT 25 YEARS

DEATH BENEFIT AT 25 YEARS

NET ESTATE VALUE

THE BOTTOM LINE

THE ESTATE BOND STRATEGY CAN MULTIPLY YOUR SAVINGS AND HELP PROVIDE A LARGER TAX FREE LEGACY FOR FUTURE GENERATIONS

IT'S NOT 30% LESS ICE CREAM - IT'S 100% POSSIBILITY.

Was there a lesson learned in losing our ice cream?

Absolutely.

The thought of losing accumulated wealth for your estate and legacy led many in our industry to seek a tangible solution - and we found it. The Estate Bond Strategy has proven its worth and effectiveness many times over, and the benefits offer immediate and long lasting effects.

LIVING BENEFITS

The policy can be used as collateral for a third party loan to provide a tax efficient income stream.
Personal tax reduction for allocating funds to a tax-deferred life policy.
Provide liquidity should you require access to your wealth.

DEATH BENEFITS

Life insurance proceeds are paid tax free to your beneficiaries.
Life insurance proceeds are paid tax free to your preferred charities directly through your estate.
Immediate and guaranteed estate value exceeding the worth of assets in a taxable portfolio.

WHO QUALIFIES?

THE MOMENT OF TRUTH

More often than not, tax strategies seem too good to be true.

In the case of the Estate Bond, this couldn't be further from the truth,

however there are qualifications that should be met in order to reap the benefits of the strategy.

The following questionnaire will determine your eligibility, and allow you to ask yourself if you would like to move forward with your trusted advisors and explore your options.

With the benefits this tax strategy offers - You have nothing to lose unless you don't try.