Managing the Threats That Could Affect Your Retirement

We integrate risk management assessment into a comprehensive life stewardship plan.

Two of the central tenets of our planning process are diversified construction of each client’s savings portfolio with risk management.

We believe that thinking and acting for the long-term is absolutely essential, and it is at the heart of our client service and savings portfolio stewardship process.

We expend considerable energy and time with our clients to help them transform their anxieties and fears into trust-driven behaviors and decision-making with their investments and savings. If we can help them think long term in their goals and develop the discipline of utilizing “time arbitrage” and wise risk management to their advantage, we believe we have served our clients well.

 

Our planning process and the software we use encompasses all of this. To see more, watch this video:

 

With a constant focus on risk management integrated with life stewardship goals, we consistently help our clients balance shifting short-term fears with longer-term needs and objectives. This helps our clients develop the discipline to stay on track and committed to their plans.

Clients who practice BRS’s planning fundamentals find that they have greater success in reaching their goals than those who act on their emotions or make frequent changes based on current events of the day and shifting tides in the markets.

We help our clients consistently integrate risk management with their planning goals. We have designed a savings, investment, and risk management approach that allows our clients to focus and leverage on the long-term, without allowing volatility and the inevitable drops and rises in the markets to interfere with our clients’ decision-making processes.


We at BRS believe stewardship is about relationships. Careers, reputation, financial stability, and personal goals are all important pursuits. However, none should come above our relationships with family, friends, and our community. Our relationships are the cornerstone by which we leave a positive impact and lasting legacy.

Put Relationships First

Using the Tax Controlled Savings Plan to Leverage Your Legacy

Imagine knowing that your ReHirement is fully funded from your tax free bucket or through a combination of your currently taxable and tax free buckets.

Not only are you free from worries about future tax rate hikes and certain that you have enough in savings to fund your living expenses through death, you are also free to leverage your stewardship legacy by strategic giving from your before tax bucket.

The wise, patient application of BRS’s TCSP is how you get there.

There are a variety of different strategies for leveraging your legacy using before tax savings, and each depends on the client’s particular facts.

One strategy is to make current gifts from your before tax bucket and utilize distributions or Required Minimum Distributions (RMDs) to fund life a second to die life insurance policy on a husband and wife in an Irrevocable Life Insurance Trust (ILIT) for your heirs.

The proceeds from the policy in the ILIT will go to your heirs income and estate tax-free.

 

This allows you to do your “giving while you’re living so you’re knowing where it’s going” and at the same time know that you are replacing or even multiplying the wealth transferred to charity with the life insurance.

When you pass away, the remainder in your before tax bucket can be giving to charity. Those funds never incur any tax burden related to the Income with Respect to Decedent Tax (IRDT), gift, or estate tax (if you have a taxable estate).

Furthermore, you enjoy knowing that you have been a good steward by efficiently utilizing the tax code to allow you to take charitable contribution deductions using pre-tax money and at the same time the  And the great thing about it is that the money has never paid tax (except for any RMDs or withdrawals used to fund the ILIT).


We at BRS believe stewardship is about relationships. Careers, reputation, financial stability, and personal goals are all important pursuits. However, none should come above our relationships with family, friends, and our community. Our relationships are the cornerstone by which we leave a positive impact and lasting legacy.

Put Relationships First