Endowment Logic.
Managing non-periodic USVSST windfalls into a sustainable multi-generational legacy.
Rolling Distribution Capture
Architecting Accumulation Trusts to capture sporadic bursts of capital (like the 2026 Sixth Distribution), preventing lifestyle creep and immediate tax exposure.
Download Case StudyDouble Step-Up Basis
Leveraging community property maneuvers to reset cost basis on inherited portfolios, erasing decades of embedded capital gains liabilities.
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Irrevocable structures that provide spouse flexibility while excluding principal from gross estates, shielding against the 40% federal estate tax.
Download Case StudyBenefit Collision.
Navigating the zero-sum landscape of VCF & USVSST awards and local pension offsets.
SECURE 2.0 Carve-Out
Utilizing the Age 50 / 25-Year Service rule to access retirement funds penalty-free for health-related career transitions.
Download Case StudySeparate Interest QDRO
Partitioning pensions into independent life annuities so responder income survives the death of an ex-spouse.
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Systematic Roth conversions during "Gap Years" to lower Provisional Income and protect Social Security from double taxation.
Download Case Study| Award Component | Strategy A: No Private Coverage | Strategy B: High Private Coverage | VCF Award Impact |
|---|---|---|---|
| Gross VCF Award | $2,000,000 | $2,000,000 | Baseline |
| Private Life Ins. Offset | $0 | ($500,000) | Dollar-for-dollar reduction |
| Disability Pension Offset | $0 | ($300,000) | Based on present value calc |
| Net VCF Payout | $2,000,000 | $1,200,000 | $800,000 Net Family Loss |
Preservation Protocol.
Integrating the Thrift Savings Plan (TSP) and VA benefits into civilian wealth building.
TSP "Stretch" Rollover
Protecting the legacy from massive accelerated tax hits by utilizing IRA rollover flexibilities under the SECURE Act.
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Utilizing non-countable Cash Value Life Insurance (0% weighting) to maximize eligibility for federal student aid grants.
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Utilizing the $190,000 Super-Annual Exclusion to protect non-citizen survivors from federal estate tax cliffs.
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