Investment Needs

Legacy Planning

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Legacy Planning

Our Legacy Planning solutions address three primary risks or exposures for investors: 1.) Principal Risk, 2.) Taxes, and 3.) mismanagement by heirs.

On-board features like the Restricted Stretch provision, and optional Return of Premium rider (ROP) available in our retirement investments give your clients the flexibility, transparency and control they need to plan for the transfer of their wealth, without the cost and complexity of traditional legacy planning instruments.

For a client whose goals include providing a legacy for their children and grandchildren, protecting their hard-earned investment from loss of principal may be a top priority.

The optional Return of Premium feature available in our simplified, low-cost Investment-Only Variable Annuity guarantees that your client will never lose their initial investment, no matter how the market behaves. It's like an insurance policy for their legacy–delivering peace of mind that their loved-ones are provided for financially.

For a client whose goals include providing a legacy for their children and grandchildren, protecting their hard-earned investment from loss of principal may be a top priority.

The optional Return of Premium feature available in our simplified, low-cost Investment-Only Variable Annuity guarantees that your client will never lose their initial investment, no matter how the market behaves. It's like an insurance policy for their legacy–delivering peace of mind that their loved-ones are provided for financially.

When estates are settled, the heirs who inherit the wealth face tough decisions about how to transfer the assets.

Lump sum, 5-year payout, annuitization...Each of these payout options comes with its own set of problems, from tax exposure to mismanagement by heirs, and lack of control. The Restricted Stretch provision, available with our low-cost IOVA, allows owners to control distributions to heirs and minimize the tax burden of a large inheritance by spreading the tax burden out over their beneficiaries' lifetimes, without complex structures and expense. Owners have many options for controlling how the money is distributed, and to whom, which may help provide for heirs over very long investment horizons—when the compounding power of tax deferral becomes very valuable.

Distributions from trusts over $12,500 are taxed at the highest rate, which can negatively impact a trust investment.

This unnecessarily negative impact can be mitigated by locating that trust structure in a low-cost Investment-Only Variable Annuity like Monument Advisor. A VA structure allows those distributions to be re-invested where they may compound and grow, without the tax-drag that may hinder NIMCRUTs, Charitable Remainder Trusts, and other trust structures.

Ensuring the smooth transfer of wealth to charities of choice is an important legacy planning component.

Locating assets ear-marked for charities in a low-cost Investment-Only Variable Annuity may enable those assets to accumulate and grow tax-free, until distribution, so that your clients can maximize the impact of their charitable giving. And if tax-exempt charities are named as beneficiaries in the VA contract, those assets are transferred tax free, as the owners wish, without the hassle of probate and legal processes.

Meet Joan

Retired

Joan

Meet Tom

Commercial Real Estate Broker

Tom

Meet Don

Oil Executive

Jerry

Meet PATRICIA AND HARRY

Wealthy Benefactors

Tom

When estates are settled, the heirs who inherit the wealth face tough decisions about how to transfer the assets.

Lump sum, 5-year payout, annuitization...Each of these payout options comes with its own set of problems, from tax exposure to mismanagement by heirs, and lack of control. The Restricted Stretch provision, available with our low-cost IOVA, allows owners to control distributions to heirs and minimize the tax burden of a large inheritance by spreading the tax burden out over their beneficiaries' lifetimes, without complex structures and expense. Owners have many options for controlling how the money is distributed, and to whom, which may help provide for heirs over very long investment horizons—when the compounding power of tax deferral becomes very valuable.

Meet Tom

Commercial Real Estate Broker

Tom

Distributions from trusts over $12,500 are taxed at the highest rate, which can negatively impact a trust investment.

This unnecessarily negative impact can be mitigated by locating that trust structure in a low-cost Investment-Only Variable Annuity like Monument Advisor. A VA structure allows those distributions to be re-invested where they may compound and grow, without the tax-drag that may hinder NIMCRUTs, Charitable Remainder Trusts, and other trust structures.

Meet Don

Oil Executive

Jerry

Ensuring the smooth transfer of wealth to charities of choice is an important legacy planning component.

Locating assets ear-marked for charities in a low-cost Investment-Only Variable Annuity may enable those assets to accumulate and grow tax-free, until distribution, so that your clients can maximize the impact of their charitable giving. And if tax-exempt charities are named as beneficiaries in the VA contract, those assets are transferred tax free, as the owners wish, without the hassle of probate and legal processes.

Meet PATRICIA AND HARRY

Wealthy Benefactors

Tom

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