Have You Explored This Overlooked Way to Boost Your Wealth — Even into the Next Generation?

One of our clients recently increased their intergenerational wealth by 200% — and they didn’t have to sell a single asset to do it.

If you’re a business owner approaching retirement, have you considered how your estate and succession plans could impact your family’s financial future? Do you know what tools can minimize taxes, unlock liquidity, and even provide you with tax-free retirement income?

Let’s explore a strategy that many overlook — but one that’s becoming increasingly valuable in today’s complex financial landscape.

What Happens to Your Business When You’re Gone?

For most entrepreneurs, the business is the largest part of their estate. But here’s the problem: when an owner passes away, their shares are considered sold at fair market value for tax purposes. That can create a major tax liability — even if the business stays in the family.

Did you know there are ways to protect against this without selling off assets or burdening your heirs with unnecessary taxes? Strategic financial tools (including permanent policies) can cover these obligations, helping preserve your business’s full value — and your family’s peace of mind.

Can You Use a Life Insurance Policy to Fund Your Retirement?

Absolutely. While many see insurance purely as protection, certain types can also be used as a source of tax-advantaged income. Over time, permanent policies build cash value — an asset you can access through policy loans or withdrawals.

Imagine having a tax-free stream of income in retirement while still keeping coverage in place for estate planning purposes. That’s the kind of financial flexibility more business owners are now leveraging.

How do You Keep the Peace Among Heirs?

Let’s say one child works in the business and another doesn’t. Who gets what? Without a clear plan, this is where disagreements — and even lawsuits — can start. But with thoughtful planning and smart funding tools, you can ensure fairness and clarity, keeping family relationships intact.

Build a Plan That Works for Your Legacy

Passing on your business shouldn’t come down to selling off parts to cover taxes or leaving your family in conflict. With the right strategy, you can:

• Minimize taxes on your estate
• Ensure fair treatment of all heirs
• Unlock tax-free income in retirement
• Provide a clear succession pathway

Have you reviewed how your current plan stacks up? Talk to your CAPCORP advisor to explore personalized strategies tailored to your business, your retirement, and your legacy goals.