Transform Tax-Deferred Wealth Into Tax-Free Legacy
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​Multiply What You Leave Behind
If you have large tax-deferred retirement accounts (IRAs, 401(k) balances, etc.), you may be facing two hidden tax burdens: first income tax when you withdraw, then potential estate tax when you pass wealth to heirs. But what if you could both eliminate the tax on conversion and engineer a tax-free legacy for your family?
At Oakwood Summit, we utilize advanced planning strategies, enabling you to:
Move funds from tax-deferred accounts into tax-free status
Use pre-tax dollars and plan structures to offset taxes
Create a leveraged life-insurance death benefit that passes tax-free to heirs
Multiply your legacy, while reducing your current tax burdens
The Problem: Two Tax Traps on Retirement Wealth
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Most owners know that qualified accounts are “tax-deferred,” not tax-free. When you withdraw, you pay income tax; if you leave them to heirs, the value may be further diminished by estate or income tax.
Challenges:
Large IRA/401(k) balances convert at ordinary income rates.
Heirs may receive distributions under accelerated-tax rules (e.g., 10-year rule).
Estate tax or generation-skipping tax may further reduce legacy.
Without planning, your retirement plan becomes a tax bill—not a gift.
Why This Strategy Works So Powerfully
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The Legacy IRA strategy uses premium-financed life insurance combined with advanced retirement strategies to turn tax-deferred assets into a leveraged tax-free legacy.
If you hold a large tax-deferred account (IRA/401(k)) earmarked for inheritance
Using our plan/design strategies, we can effectively replace the tax-deferred account with a tax-free legacy, magnifying the after-tax value passed to heirs.
Key Benefits
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Convert tax-deferred to tax-free: Instead of paying income tax on withdrawals, you re-engineer the process so heirs receive wealth free from income tax
Leverage boosts value: With premium-financed life insurance, each dollar converts into multiple dollars of legacy benefit
Estate tax efficient: Properly structured, the death benefit can avoid estate and generation-skipping taxes
Legacy for generations: Rather than leaving heirs a big tax liability, you leave them, tax-free asset
Next Steps: Build Your Tax-Free Legacy
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Schedule Your Legacy Strategy Session – We’ll review your tax-deferred accounts, business structure, and legacy goals.
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Model the Strategy – We’ll show you how converting assets, leveraging life insurance, and deploying business-plan design can deliver after-tax wealth to heirs.
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Implement the Plan – We coordinate with your CPA, retirement plan actuary, and legal counsel—while Lionsmark handles the premium financing/insurance structure.
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Execute & Monitor – We monitor performance, ensure plan compliance, review funding, and adjust as needed to protect your legacy.
Book Your Tax-Free Legacy Assessment Now
Discover how much tax-deferred wealth you can convert into tax-free legacy value for your family.