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Estate Planning & Intergenerational Wealth

Affluent families have been achieving substantial reduction to their future estate tax bills for years. We offer the kind of estate preservation once implemented by families such as the Mellons, the Rockefellers, the Carnegies and the Kennedys.

To follow in the footsteps of America's wealthiest families, and fully leverage estate preservation opportunities, consider whether your existing plan is designed to accomplish the following:

Client Centered
  • Continue the income tax deferral in your retirement plan, even when transferring the assets to a non-spousal beneficiary.
  • Take full advantage of the income tax deductions your children are entitled to upon taking distributions from the retirement plan you've passed to them.
  • Maximize the opportunities in your Trust documents to allow a surviving spouse to maximize all estate tax reduction and estate freeze techniques while helping to protect assets from creditors, divorce and bankruptcy in perpetuity through your grandchildren's generation.
  • Ensure that assets transferred to your intended beneficiaries remain within your bloodline from generation to generation.
  • Perform a Zero Estate Tax Plan that allows you to help decide how much to leave to your heirs, charity or Uncle Sam, at any time during your lifetime.
  • Retain ownership of and control over an asset for income tax purposes while transferring control for estate tax purposes.

Family Income Trust

The Family Income Trust is an irrevocable trust designed to provide maximum flexibility for trustee and family members, while offering the greatest allowable accessibility to the trust corpus and deferring estate taxation for over 100 years. That is quite a statement. The Family Income Trust is not just another irrevocable trust. It is intended to do far more than just hold life insurance policies, which is the case with most irrevocable trusts. In fact, it is so versatile that it can be used even in strategies that do not necessitate the purchase of life insurance. In short, if your goal is to keep your wealth in your family – not just for your children, but for grandchildren and great grandchildren as well – the Family Income Trust is the one strategy which you must consider. 


As with most irrevocable trusts, the funds held in the Family Income Trust may be used after your death to buy assets from your taxable estate, or the Family Income Trust funds can be loaned to your estate to provide liquidity to pay the often oppressive estate taxes which are due within nine (9) months of death.
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While flexibility and creditor protection are necessary, they are of little use to your family if they are denied access to the property in the Family Income Trust. The Family Income Trust is designed to provide your children and grandchildren with nearly complete access to the Trust assets.
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Tax Deferral

While the flexibility and accessibility available through the Family Income Trust are important provisions, perhaps the single most important aspect of the Family Income Trust is the incredible estate tax savings which it can afford your family.
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Private Wealth Planning

Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.