Max Generational Legacy Planning
Maximizing Retirement & Estate Planning
WHEN SUCCESS CREATES RISK
The Hidden Threat to Your Legacy
You’ve spent a lifetime building wealth. Don't let poor liquidity, valuation surprises, and unnecessary taxation dismantle it.
This is not a wealth problem. It is a liquidity, valuation, and strategy problem—and it is exactly what MAXGLP was built to solve.
THE ESTATE IS BIGGER — AND MORE TAXABLE — THAN MOST PEOPLE REALIZE
Most people think of an estate as only what they “own” at death. But estates also include income earned but not yet received, often referred to as income in respect of a decedent.
Common examples include:
- Final paycheck or bonus
- Deferred compensation
- Accrued interest
- Rental income
- Retirement accounts, IRAs, and annuities
This income is often taxed once to the estate and again to the beneficiary, reducing what heirs ultimately receive.
Without proper strategy, even families with strong balance sheets can see large portions of their wealth lost to unnecessary taxation and poor liquidity planning.
THE “ASSET RICH, CASH POOR” TRAP
"Heirs often inherit assets—but not the cash to keep them. Without a clear, funded strategy, businesses may be forced into quick sales, and estate plans that exist on paper fail in execution."
The 3 Risks
Forced Liquidation
Businesses or real estate sold at a discount to cover immediate taxes.
Valuation Surprises
Assets valued higher than expected at death, spiking tax exposure.
Family Conflict
Disputes arise when liquidity isn't available to equalize inheritances.
OUTCOME-DRIVEN LEGACY STRATEGY
Legal documents alone do not solve liquidity problems. MAXGLP designs strategies that protect wealth at the exact moment it is most vulnerable—during transition.
What We Do
MAXGLP designs strategies that protect wealth at the exact moment it is most vulnerable — during transition.
- Provide immediate liquidity to heirs.
- Prevent forced sales of business or real estate.
- Equalize inheritances (Business vs. Non-Business heirs).
- Fund trusts properly to ensure execution.
- Mitigate "Income in Respect of a Decedent" taxes.
We work alongside your attorneys and tax professionals to ensure your legal plan is financially executable, not just legally complete.
This is not product-driven planning.
This is outcome-driven legacy strategy.
TAXING TIMES
2025–2026 Strategic Wealth Transfer Alert
In 2025, the annual gift tax exclusion is $19,000 per recipient ($38,000 for married couples splitting gifts), allowing you to make tax-free transfers without any IRS reporting. Amounts exceeding this limit reduce your lifetime exemption, which for 2025 stands at $13.99 million ($27.98 million for couples)—the total amount you can transfer across your lifetime or at death without triggering federal estate or gift tax.
Looking ahead to 2026, the annual exclusion remains at $19,000 ($38,000 for couples), but the lifetime exemption is set to increase to $15 million per individual ($30 million for married couples). Any gifts exceeding the annual limit reduce this lifetime "pool" and must be documented via IRS Form 709. Understanding these shifting thresholds is critical for protecting your legacy from unnecessary tax drag and ensuring your wealth stays where it belongs—with your family.
SPECIALIZED STRATEGIES FOR HIGH-STAKES WEALTH
Business Owners & Families
