Generational Wealth Architecture · JW Tax & Consulting
Your Business Built the Wealth.
Now Make Sure the IRS
Never Touches It Again.
Most $500K+ earners have a will. Almost none have a legacy structure. The difference is measured in millions — and it shows up the moment you're gone.
Two Outcomes. One Decision.
What happens to your wealth depends entirely on the structures you build today
❌ No Legacy Structure
Estate taxed at 40% above the exemption — millions lost at death
Business forced into a fire-sale to cover the estate tax bill
Assets exposed to creditors, lawsuits, and divorce at every generation
Capital gains tax hits heirs on every appreciated asset inherited
No charitable strategy — appreciated assets taxed twice before giving
Wealth dissipates within 2–3 generations with no governance structure
VS
✦ Legacy Architecture in Place
Dynasty Trust compounds wealth across 3+ generations — never re-enters the estate tax system
ILIT removes life insurance from the taxable estate entirely
GRATs freeze estate value today — all future appreciation transfers tax-free
Family Bank funds heirs through private loans without gift tax
CRT converts appreciated assets into lifetime income — zero capital gains
Family Foundation puts your family in control of philanthropy — forever
The Legacy Architecture
Every layer serves a specific wealth transfer function — hover any node to understand what it does
👨👩👧
The Client
You & Your Family
$500K+ revenue · Business owner · Generational wealth builder
🏛️ Family Limited Partnership
Centralized ownership · valuation discounts · creditor protection
Dynasty Trust — The Cornerstone
Wealth compounds across 3+ generations — never taxed again at transfer. One structure. Permanent protection. The foundation every legacy plan is built on.
Generational Core
Estate Reduction Vehicles
ILIT
Life insurance death benefit passes to heirs completely outside the taxable estate
Estate Shield
GRAT
Freeze estate value today — all future appreciation transfers to heirs gift-tax-free
Growth Freeze
GRUT
Variable-return asset freeze — percentage payout, additional contributions allowed
Asset Freeze
SLAT
Remove assets from estate — spouse retains full discretionary access for life
Spousal Shield
QPRT
Transfer your primary residence at today's discounted value — all appreciation tax-free
Real Estate
Wealth Destination & Control Entities
Family Bank
Private loans to heirs at IRS minimum rates — wealth transfers without gift tax, interest stays in the family
Capital Access
Family Office
Centralized investment, tax strategy, and family governance — fees deductible across all entities
Command Center
Family Foundation
Donate appreciated assets tax-free — avoid capital gains, immediate deduction, family controls philanthropy permanently
Charitable Layer
Section 1202 QSBS
Hold C-Corp stock 5+ years — exclude up to $10M in capital gains from federal tax on exit
Exit Layer
Charitable Remainder Vehicles — Convert Appreciated Assets Into a Lifetime Income Stream
CRT
Donate appreciated assets tax-free · receive lifetime income · partial deduction today
Income + Legacy
CRAT
Fixed income for life · immediate deduction · zero capital gains on transfer
Fixed Income
CRUT
Variable income tied to portfolio growth · inflation hedge · open to new contributions
Variable Income
Millions
In Estate Taxes Eliminated — When Every Layer Is Properly Structured
For a $5M–$20M estate, a fully executed legacy architecture routinely eliminates $2M–$8M in estate taxes that would otherwise be collected at death. This isn't planning for the end — it's building a financial fortress that outlasts you, protects your family, and compounds across generations.
Your Next Move
Find Out What Your Estate
Is Actually Worth to Your Heirs
One strategy session maps your current estate tax exposure and identifies exactly which legacy layers apply to your situation — before it's too late to implement them.
Book a Legacy Strategy Call →No obligation · Plano, TX & Fort Lauderdale, FL · 25+ years structuring generational wealth for business owners