Legacy Planning

Throughout your life you have worked extremely hard to create a
secure financial future for your family and loved ones. It is critical that
you take the proper steps necessary to conserve your estate and
financial security after you pass away.

If you fail to plan properly your assets could be distributed according
to state and federal laws when you die, as opposed to how you truly
want your estate to be handled. If you have minor children, a guardian
would be appointed by the court without regard for your personal

Now is the time to make choices about your estate and personal
affairs and how they will be administered in the event of your death or
disability. You must decide how and to whom you would like your
assets distributed at death, before it is too late. It is also vital to
incorporate strategies to minimize the impact of estate taxes, income
taxes, and other settlement costs that could severely diminish the
value of your estate.

Optimal Wealth Strategies specializes in estate conservation. We will help you develop a plan to ensure you are remembered the way you want to be.

What makes up your Estate

  • Real Estate
  • The value of your personal property
  • Individual or group life insurance benefits
  • Investment Accounts, such as, savings, cash, gold, stocks, bonds, annuities and other
  • The value of your ownership interest in a
  • Retirement savings accounts
  • Mortgages or other debts owed to you

Emergency Builder

Liquidity is important for those unexpected yet expected events. Not having enough emergency funds can cause inefficiencies in your investments and income if those emergencies are having to be taken care of out of them.

Revenue Replacer

Revenue Replacer looks at what happens when sources of income are lost. This may be the loss of pension, social security, and other sources of income when a loved one passes away. It’s important to have a strategy in place to replace that income, so that the lifestyle going forward isn’t compromised.

Income Optimizer

Income is the foundation of a financial plan. Income optimization makes sure you’re taking income the most tax efficient way. It also ensures that you have enough guaranteed income source for certainty in your financial life. Predictable income allows you to be spontaneous with your lifestyle for the things you enjoy doing, and living the retirement you dreamed of.

Asset Builder

Once you have your income optimized and you know that you have your income and where their sources are coming from, you have your emergency builder set up so you have liquidity. You have your revenue replacer taken care of so you’re taking care of your loved ones. Now’s the time to start to finally start building your assets, not just for short-term and long-term. Using the asset builder process, we are able to structure assets strategically utilizing intelligent portfolio design hoping to enhance the most amount, or get the most amount of your money that’s possible.

Legacy Enhancer

Legacy Enhancer focuses on growing your assets for your future, and those that you want to leave your money to. The right balance of risk and reward can be found by developing an investment policy statement for your financial plan to ensure you’re not taking on too much risk, and that your goals can have a higher likelihood of success.

Tax Planner

With tax planning everyone understands that whether you pay $5 or $50,000 to the IRS, everyone loathes paying money to the tax world. Realizing that taxes are a fee that can have a negative income, not just short term, but also long term with your investment plan is very serious business. During the tax planner module we look to see how taxes impact everything. All the way from your income, to your assets, to your estate, and your legacy. We stress the tax importance so people understand the net rate of return for their investments rather than the gross.

Legacy Defender

Legacy Defense is important for protecting your money from other people. You’ve worked hard to get where you are. We live in a litigious society. This analyzes where your investments & assets might be vulnerable to lawsuits and creditors & then makes recommendations on how better to protect yourself.

Dynasty Creator

Dynasty Creator assesses where your estate is now, and how better to optimize what you leave behind. It’s not only important what you leave behind, but how you leave it. There are 3 places your assets can go when you pass: Your Loved Ones, Charities, & the IRS. No one wants to leave it to the IRS. A properly structured financial plan will include legacy strategies to leave assets the most tax efficient way.

An Effective Estate Plan will ensure that

  • You are remembered how you want to be remembered
  • Your dependents have the resources they need to carry on
  • You minimize estate & income taxes and other transfer costs
  • You avoid lengthy probate and the expense associated with it
  • Your estate is distributed in the manner in which you intended
  • Your minor children are cared for by the guardian you select
  • If you become incapacitated, it is clear how and by whom your
  • personal care, finances and health care decisions will be made

Common Tools for Estate Planning

If you have any questions, please call Optimal Wealth Strategies today. We will answer all of your questions and help
you develop a proper estate plan.

Investment Advisory services provided by individuals as Investment Advisory Representatives of Motiv8 Investments, LLC, a Registered Investment Adviser.  Motiv8 Investments does not provide insurance, tax, or estate planning services.  Such services, if provided, are provided by individuals affiliated with Motiv8 Investments in their separately licensed capacities.