As a shareholder, ensuring the smooth transition of your estate is crucial. Without proper planning, a significant portion of your wealth could be lost to taxes, leaving your heirs with far less than you intended. The good news? Strategies like Loss Carryback and Pipeline Planning—combined with insurance solutions—can dramatically reduce your tax burden and maximize the after-tax estate you leave behind.

The Cost of No Planning: A 60% Tax Hit

The numbers speak for themselves. Without any estate planning, an estate worth $10 million could see 60% of its value lost to taxes, leaving only $3.98 million for your beneficiaries. This means the government takes more than half of what you've worked hard to build.

However, proactive estate planning can significantly reduce the tax impact, preserving your wealth for the next generation.

Proven Strategies to Protect Your Wealth

The table below outlines the effectiveness of two key estate planning strategies:

  1. Loss Carryback: Using capital losses to offset gains and reduce taxes.

  2. Pipeline Planning: A tax-efficient method to transfer wealth while minimizing double taxation.

Strategy

No Planning

Loss Carryback (No Insurance)

Loss Carryback (Insurance)

Pipeline (No Insurance)

Pipeline (Insurance)

Pre-Tax Estate

$10M

$10M

$10M

$10M

$10M

After-Tax Estate

$3.98M

$6.38M

$7.08M

$7.6M

$8.08M

Effective Tax Rate

60%

36%

29%

24%

19%

The Best Approach: Pipeline Planning + Insurance

By combining Pipeline Planning with Insurance, the effective tax rate drops to just 19%, ensuring $8.08 million remains for your heirs. This is twice as much as an unplanned estate!

Why Time is of the Essence

Estate planning isn’t just a good idea—it’s urgent. With constantly changing tax laws and economic conditions, delaying your plan could result in:

  • Higher tax liabilities in the future

  • Limited options as regulations tighten

  • Financial strain on your heirs

Furthermore, as an advisor, my capacity to assist a large number of clients is limited. If you want to secure the best possible outcome for your estate, the time to act is NOW.

Let’s Protect Your Legacy

At Do Financial, we specialize in estate planning strategies that preserve and maximize your wealth. Whether you’re looking to implement Loss Carryback, Pipeline Planning, or insurance solutions, we can tailor a plan to meet your unique needs.

Book Your Consultation Today

Don’t leave your estate to chance. Take action now to ensure your hard-earned wealth is passed on efficiently and effectively.

Contact Do Financial today to secure your legacy before it's too late.