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Estate Amplification for Clients with $25M+ Net Worth
Red Oak PFS serves individual and business clients with financial solutions to address everything from complex income and estate challenges to short-term risk mitigation. Through working with our valued carrier partners, we have developed proprietary solutions which we believe have shaped the entire industry. Among the most compelling and meaningful of those is The Red Oak PFS Solution.
Program Overview
For those clients who qualify financially and philosophically, the The Red Oak PFS Solution may enable them to acquire up-to $400M estate protection, while having the option to finance premiums and interest. The proceeds of the The Red Oak PFS Solution are likely paid income tax-free and potentially estate tax-free. The underlying asset acquired is designed to be volatility protected; which is intended to help further protect the client's financial interests.
Collateral posted by the owner of the policy can typically be cash, managed assets (generally 70% of their value) or a letter of credit. If the client chooses to post securities and/or equities the strategy generally permits them to remain invested and managed by the client’s existing RIA, and funds do not need to move.
Due to the unique, proprietary structure that finances premium and interest, the client should not need to use much, if any of their gift tax exemption capacity to secure the benefits of a The Red Oak PFS Solution.
The Red Oak PFS Solution offers a very well-established structure for helping ensure multi-generational wealth transfer, enhanced philanthropic giving and/or additional passive tax-free income.
The Red Oak PFS Solution Benefit Analysis
Estate Tax-Mitigation
Principal Protected Growth
Likely Income Tax Free and Potentially Estate Tax Free
Flexible Collateral Options
Potentially No Impact to Lifetime Gifting Capacity
Unlock Your Financial Potential
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