"Rates of return are not guaranteed and are for illustrative purposes only"
Roney and Company GSD (Generational Split Dollar) Roney and Company THE DISCLAIMER This presentation is designed to be educational in nature and is not intended to provide tax or legal advice. Consult with your tax advisor and/or legal counsel for suitability for your specific situation. Rates of return assumed in this discussion are hypothetical --as are the related projections implied by these numbers. Rates of return are not guaranteed and are for illustrative purposes only. Projected rates do not reflect the actual or expected performance within any example or financial product. Roney and Company GENERATIONAL GIFTS A RECENT SURVEY OF SPLIT DOLLAR WITH AN INSURED HEIR Roney and Company WHAT CAN THE GSD PLAN PROVIDE? • The conveyance of substantial family wealth • Time value of money benefits on current assets • Minimization of generational, gift and transfer taxes • Control of assets given to children or grandchildren • Survivor protection for younger family members Roney and Company THE STATISTICS • Many grandparents have sizable estates and face significant transfer taxes at death • It is often too costly to obtain transfer tax leverage with aging grandparents or for those in poor health • As a result, many grandparents need alternative solutions for transferring their assets generationally • Children and grandchildren often have their own estate planning needs and can benefit from GSD Roney and Company THE PURPOSE • Tax-free growth occurs inside the GSD plan • Plan provides liquidity for taxes on a child’s estate • Survivor benefits can be income and estate tax-free • Grandparent’s estate will be reimburse much later • Grandparent’s estate will receive a tax savings Roney and Company For more information call the offices of J. Michael Roney and Company at (626) 795-9590