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A summary of how 22 goals can be achieved through a combination of 12 planning tools

1Adapt to changing goals, tax laws, and asset values
2Use optimal planning tool mix
3Model lifetime cash flow
4Time distributions to charity
5Reduce estate taxes
6Fund favorite charities
7Diversify assets tax-free
8Protect assets from creditors
9Generate income tax deduction
10Maximize tax-free compounding
11Earn income from assets outside the estate
12Leverage transfers to heirs
13Accumulate assets outside the estate
14Let parents control gifts to children
15Train heirs to manage investments
16Discount estate tax liabilty
17Equalize estate distributions
18Minimize transfer taxes
19Enhance security of surviving spouse
20Keep wealth within bloodlines
21Minimize capital gains tax
22Reduce asset management fees
23Reduce loss from active management
24Reoptimize plan automatically as assets change
25Avoid taxes from portfolio turn-over
26Create Investment Policy Statement
27Optimize portfolio allocation
28Create "what if" analyses
29Reduce investment volatility
30Diversify closely-held stock
31Acquire assets tax-efficiently
32Liquidate assets from exchange funds
33Harmonize goals within family
34Evaluate grant-making policies
35Buy insurance with pre-tax dollars
36Review effectiveness of supported charities
37Coordinate estate distributions
38Create Monte Carlos based on lifetime cash flow
39Defer taxable income
40Liquidate annuities tax-effectively
41Generate tax-favored income
42Generate income offshore
43Implement grant-making policy
44Establish a trust protector
45Leverage qualified plan assets
46Establish a captive insurance company
47Freeze property values
48Invest in private equity
49Liquidate QRP tax free
50Maximize legal control over assets

51Distribute employer securities from 401(k) tax-free
52Manage family business succession
53Cancel debt obligations at death
54Carry-back operating losses to earlier years
55Maximize control over social capital
56Examine tax-efficient business merger options
57Motivate key employees
58Equip future family business leaders
59Minimize IRD taxes
60Control long-term care expenses
61Sell an unneeded life insurance policy
62Fund long-term care costs
63Re-organize a family business
64Monetize illiquid assets
65Circument Rule Against Perpetuities
66Provide stewardship training
67Create amendable irrevocable trusts
68Pursue aggressive tax planning
69Increase inheritance for heirs
70Fund a buy-sell agreement
71Manage business in tax-free environment
72Reduce estate expenses and delays
73Optimize an annuitiy arbitrage
74Evaluate complexity threshold
75Evaluate Tenant in Common funds
76Evaluate risk tolerance
77Provide incentives for heirs
78Terminate a split dollar agreement
79Make tax-efficient transfers to heirs
80Facilitate a 1035 exchange
81Avoid taxes on deferred compensation
82Plan for a non-citizen spouse
83Facilitate multi-state probate
84Evaluate performance attribution
85Facilitate a 1031 exchange
86Avoid unnecessary IRA payments
87Develop a pre-nuptial plan
88Accelerate inheritances to children tax-free
89Fund college educations tax-efficiently
90Compare 6166 installment sales to alternatives
91Transfer IRA assets to heirs
92Create a post-nuptial agreement
93Sell business tax-free
94Maximize non-qualified plan deductions
95Enhance retirement plan returns
96Mediate conflicts regarding wealth
97Convert ordinary income into capital gains income
98Step-up the basis of assets before sale
99Avoid taxes on trust income
100Maintain liquidity for emergencies
U.S. Treasury Circular 230 requires that this firm advise you that any tax advice provided was not intended or written to be used, and cannot be used by you, for the purpose of avoiding penalties that the IRS could impose upon you.