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Legacy Growth Plan — Coordinated, Active, And Compounding.
An ongoing wealth coordination engagement for $3M–$15M households and business owners across Maryland, the DMV, and nationwide.
Built For Families Still In Active Build Mode.
By the time a household passes $3M in net worth, the questions stop being which 401(k) fund to pick and start being which entity should own the new real estate, how to structure the Roth conversion ladder, whether to fund the IDGT this year, and how to reduce next year's tax exposure on the business.
Legacy Growth Plan is the ongoing engagement designed for that stage. We coordinate tax, investments, estate, entities, and (where relevant) the business — quarterly, not annually — so wealth compounds with strategy behind it rather than in spite of it.
Ideal Client
Legacy Growth Plan Is Right For You If…
Your household net worth is $3M–$15M and still actively growing.
You own a business, real estate, or significant equity compensation.
Your effective tax rate keeps climbing and your CPA only files returns.
You have basic estate documents but no advanced trust or gifting strategy.
You hold investments across multiple entities and accounts with no unified strategy.
You're 5–15 years from a likely liquidity event or retirement transition.
What's Included
Inside The Legacy Growth Plan Engagement
Coordinated Tax Strategy
Entity-level optimization, Roth conversion modeling, real estate strategy, charitable structures, and year-round coordination with your CPA.
Investment Coordination
Unified investment policy across all entities and accounts. Asset location, tax-loss harvesting, concentration management, and private investment review.
Advanced Estate Architecture
Trust selection (IDGT, GRAT, SLAT, dynasty), funding strategy, lifetime gifting design, and beneficiary/funding verification — coordinated with your estate attorney.
Entity & Business Oversight
Entity structure review, owner compensation, retirement plan design, and basic CFO-level oversight for the business or real estate portfolio.
Risk & Asset Protection
Insurance review (property/casualty, umbrella, life), entity-based protection, and coordination with attorneys on structural protection.
Quarterly Engagement
Quarterly strategy meetings, twice-yearly tax projections, annual estate review, and on-demand coordination throughout the year.
Expected Outcomes
What Active Coordination Delivers
Tax savings typically 5–6 figures annually for households at this complexity level.
An estate plan that matches the wealth — not the wealth you had when you signed the documents.
Unified investment strategy across every account and entity, with tax considerations built in.
Entity structure that protects the business and the family balance sheet.
A trusted quarterback coordinating CPA, attorney, custodian, and insurance broker.
A 12-month strategy refreshed quarterly — not a binder that ages on a shelf.
Free Guide
The Coordinated Wealth Blueprint
7 costly financial planning mistakes affluent families make — covering tax planning, estate planning, retirement, asset protection, trusts, business succession, and generational wealth transfer.
What This Looks Like
A Typical Legacy Growth Plan Engagement
Situation: A business owner couple in Anne Arundel County, ages 51 and 49, $6.2M net worth. Operating an S-Corp generating $850K/year, owners of three rental properties, two 401(k)s, a brokerage account, and a 2018 estate plan written before the business doubled.
What we did: Restructured S-Corp owner comp and added a cash balance plan (saved $112K in year-one tax), modeled and began a four-year Roth conversion ladder, repositioned the rentals into an LLC holding structure, coordinated estate counsel on an IDGT funded with non-voting S-Corp shares (removing ~$2.1M from the estate), and set up a donor-advised fund for the family's giving.
Outcome: Six-figure annual tax reduction, estate freeze on growth assets, asset protection layered through entity structure, and quarterly coordination keeping all of it current.
Investment
Investment In Legacy Growth Plan
Legacy Growth Plan is priced as a flat planning retainer or hybrid fee, disclosed in writing before engagement and scaled to complexity and entities involved.
For households who want integrated investment management, an asset-based fee structure is available — fully disclosed before any engagement.
Fee-based engagement. We do not earn commissions on investment recommendations.
Frequently Asked Questions
Common Questions
The Legacy Wealth Brief
One high-impact wealth strategy, delivered every week.
Insights on tax planning, estate planning, retirement income, business ownership, and generational wealth.
Compound With Strategy Behind You.
Schedule a complimentary 30-minute fit call. We'll confirm fit and walk through what coordinated would look like for your situation.