InKnowVision May 2012 HNW Technical Webinar - Note to Charity

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Over the last several years we’ve developed an interesting strategy that involves making a significantly impactful gift to charity as well as helping our wealthy families reduce taxes to the lowest amount possible. This alternative to a TCLAT can be very attractive in the right situation. Join us to see how the idea might be useful for your high net worth clients Learn more at www.inknowvision.com

Economia e finanças Negócios

Technical Webinar

©2012. InKnowVision LLC. All rights reserved. www.inknowvision.com

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www.InKnowVision.com © 2012

 October
 Survey being sent

InKnowVision 3

 Zero estate tax
 Money to charity
 Delayed inheritance to kids
 Unknown exemption amount
 Reference session on our web site

InKnowVision 5

Transfer
$5M Residual $5M
Estate Above TCLAT
Exemption

$334k for
25 Years
Assumptions
Term 25 Years
Rate 6.69%
AFR 4.2% Charity

TCLAT

25 years of Assumed
Growth at 7% $5.9M

Heirs

 Reduce estate tax
 Solution for Illiquidity
 Solution for uninsurable clients
 Increase assets to heirs
 Accelerate assets to heirs
 Gifts to charity

InKnowVision 8

Sale of assets
Parent(s) Trust for Heirs

Promissory
Note to
Parents

Not
Note
e

InKnowVision 9

Parent(s)
Trust for Heirs
Not Buys Insurance
e

Who can be insured?
Life Insurance Co

InKnowVision 10

Parent(s) Trust for Heirs

Note
100% Charitable Deduction

•Reduce estate tax
Charity •Use disclaimer
•Use TCLAT

InKnowVision 11

Parent(s) Trust for Heirs

Promissory
Note
Paid with Life Insurance Co
Charity Insurance
Proceeds
Note

InKnowVision 12

 $40M estate
 $36.5M is illiquid commercial real estate
 Real estate is:
◦ Devalued
◦ Distressed
◦ Needs updating
◦ Needs rent increases
◦ Liability issues everywhere
 Clients are 88 (and dying) and 85 and
uninsurable
 If they die, estate tax of $9M-$16M
 What should they do?

InKnowVision 13

Sale of RE assets
Parent(s) Trust for Heirs

$27M Note
Not
Note
e

Assets were owned in a holding company
Recapitalized and sold at a 25% discount.

InKnowVision 14

Parent(s) Trust for Heirs
Buys Insurance
Not on
e
child/children
Cash flow pays note
payment and insurance
premium
Life Insurance Co

InKnowVision 15

Parent(s) Trust for Heirs
Owns
Real Estate
Pays Premium

Note
100% Charitable Deduction

•Reduce estate tax
Charity •Use disclaimer
•Use TCLAT

InKnowVision 16

Parent(s) Trust for Heirs
Owns all assets
less cost of
insurance

Promissory
Note
Paid with Life Insurance Co
Charity Insurance
Proceeds
Note

InKnowVision 17

 Charity holds note from estate
 Long term
 Interest accrues
 Low interest rate
 Collateralized?
 What is value of note
 How much would charity take for cash today?

InKnowVision 18

 Design
 Illustrations
 Insurance
 Documents
 Know how

InKnowVision 19

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InKnowVision May 2012 HNW Technical Webinar - Note to Charity

3.  October  Survey being sent InKnowVision 3

4. Note to Charity InKnowVision® May, 2012

5.  Zero estate tax  Money to charity  Delayed inheritance to kids  Unknown exemption amount  Reference session on our web site InKnowVision 5

6. Transfer $5M Residual $5M Estate Above TCLAT Exemption $334k for 25 Years Assumptions Term 25 Years Rate 6.69% AFR 4.2% Charity

7. TCLAT 25 years of Assumed Growth at 7% $5.9M Heirs

8.  Reduce estate tax  Solution for Illiquidity  Solution for uninsurable clients  Increase assets to heirs  Accelerate assets to heirs  Gifts to charity InKnowVision 8

9. Sale of assets Parent(s) Trust for Heirs Promissory Note to Parents Not Note e InKnowVision 9

10. Parent(s) Trust for Heirs Not Buys Insurance e Who can be insured? Life Insurance Co InKnowVision 10

11. Parent(s) Trust for Heirs Note 100% Charitable Deduction •Reduce estate tax Charity •Use disclaimer •Use TCLAT InKnowVision 11

12. Parent(s) Trust for Heirs Promissory Note Paid with Life Insurance Co Charity Insurance Proceeds Note InKnowVision 12

13.  $40M estate  $36.5M is illiquid commercial real estate  Real estate is: ◦ Devalued ◦ Distressed ◦ Needs updating ◦ Needs rent increases ◦ Liability issues everywhere  Clients are 88 (and dying) and 85 and uninsurable  If they die, estate tax of $9M-$16M  What should they do? InKnowVision 13

14. Sale of RE assets Parent(s) Trust for Heirs $27M Note Not Note e Assets were owned in a holding company Recapitalized and sold at a 25% discount. InKnowVision 14

15. Parent(s) Trust for Heirs Buys Insurance Not on e child/children Cash flow pays note payment and insurance premium Life Insurance Co InKnowVision 15

16. Parent(s) Trust for Heirs Owns Real Estate Pays Premium Note 100% Charitable Deduction •Reduce estate tax Charity •Use disclaimer •Use TCLAT InKnowVision 16

17. Parent(s) Trust for Heirs Owns all assets less cost of insurance Promissory Note Paid with Life Insurance Co Charity Insurance Proceeds Note InKnowVision 17

18.  Charity holds note from estate  Long term  Interest accrues  Low interest rate  Collateralized?  What is value of note  How much would charity take for cash today? InKnowVision 18

19.  Design  Illustrations  Insurance  Documents  Know how InKnowVision 19

InKnowVision May 2012 HNW Technical Webinar - Note to Charity

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InKnowVision May 2012 HNW Technical Webinar - Note to Charity