Capital Gains Solution

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Capital Gains Solution

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Capital Gains Solution

What is Capital Gains Solution?

Properties and businesses can appreciate tremendously in value over time. An investment property purchased for $1 million in 1990 is probably worth in excess of $1,600,000 today, leaving the estate with a future tax bill for the $600,000 gain. In fact, when you adjust for inflation and other market variables, the capital gains on the property could be significantly higher than that!

Upon the death of the owner, the property (or business) will be deemed to have been sold at market value, leaving someone in the highest tax bracket owing the government approximately $150,000 in capital gains taxes.

Without a plan, it may not be possible to leave the property intact to ones heirs as desired, since they might not have the funds available to cover the taxes owed on the gains.

A permanent life insurance policy can solve this problem, since it is guaranteed to pay out the tax-free sum contracted for upon your death, whenever it occurs. The premiums can vary depending on your age, sex, health, smoking habit and the amount of coverage you require.
What kind of costs are we talking about?

A guaranteed $1,000,000 paid-up policy (after 10 years) could cost a healthy non-smoking male approximately $34,000 annually. If starting at age 55 it is closer to $43,000 and it rises to $58,000 per year for someone aged 63.

Although this is not cheap, it is one of the best options available.

However, for those that can qualify, I have a legal strategy that can result in your obtaining the same coverage mentioned above for pennies on the dollar.

If you are interested, please click on the link below and I will be happy to set up a meeting with you to help keep your assets in your family’s hands, rather than the government’s.

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