"Protecting your income, minimizing taxes, maximizing charitable impact & seamless transfer"
Our planning has evolved across three key meetings, each building on the last to create a comprehensive, integrated strategy:
Liquidity event & initial allocation (no DST)
Annuity details, brokerage growth, estate map intro
Refined income (~$195K+), layered annuities, tax harvesting urgency, charitable focus
$180K+ replacement income, disruption-free
Brokerage engine for legacy and access
Oregon/federal exposure reduced strategically
Wildlife/nature focus, Ara-controlled foundation
~$4M losses offset gains → essentially tax-free
Losses eliminate deferral benefit — simplifying the entire strategy
Pie: Cash | Annuities | Brokerage | Private Investment
Target: $180K–$195K+ reliable, disruption-free income — built from layered, protected sources.
Layered 5/7/10-year FIAs providing a protected floor — no downside, ~7% target, 10% free withdrawal annually
e.g., PDF-like vehicle at 15% on $500K → ~$75K/year in high-yield income
Strategy: Staggered 5-year, 7-year, 10-year FIAs (~$2M total) — designed so liquidity windows open progressively, never leaving income exposed.
The laddered structure ensures that as each window closes, the next tier is maturing — providing continuous access without disrupting the income floor.
Target: 10%+ aggressive growth — US heavy, international, emerging, mid/small cap, possible ESG/green alignment
Liquidity: Quick access, no income disruption
Legacy/Step-Up Basis: Inheritance buffer for heirs
No ongoing AUM fees: Build once, passive
Projection: ~$4.7M in 12 years at 10% growth
~$4M proceeds strategically split across three vehicles — each with a distinct job in the plan:
Income stability & longevity — the protected floor
Growth & liquidity — the "rocket fuel" for legacy
High yield (~15%) — draw first alongside annuities
With ~$30–$32M in real estate (fractional/wholly owned, southern WA/Portland), the estate faces significant exposure without proactive action:
~$2–$5M+ potential exposure at 10–16% rates
At/near exemption (~$30M now), with sunset risk on the horizon
Without structure: probate nightmares, forced sales, capital gains on sale
A multi-layered structure designed to consolidate, protect, discount, and transfer wealth efficiently — with Ara in control of the charitable mission.
The foundation is not just a tax tool — it is Ara's platform to direct lasting impact toward the causes that matter most: nature, wildlife preserves, and refuges.
Minimize taxes while maintaining full control over the direction of giving — nature/wildlife preserves/refuges
5% annual distribution (admin + grants) — Ara as President with full governance authority
Tax deductions, no cap gains on gifted assets, and a lasting family impact that outlives the estate
High-gain assets transferred directly to the foundation eliminate capital gains entirely — turning a tax liability into a philanthropic legacy.
We are committed to being a true holistic partner — not just an advisor, but a collaborator in every phase of this plan's execution.
Annuities (no direct fees), brokerage setup, estate coordination, charitable optimization — all under one roof
Commissions on insurance, waived AUM if planning — aligned with your outcomes, not our revenue
Happy to attend attorney meetings, foundation board sessions, and ongoing reviews — as a true partner
Thank you for the trust — we are committed to your security, your legacy, and your passions.
"The path forward is clear — protected income, a growing legacy, and a charitable mission that reflects who you are. We're honored to walk it with you."
Questions? Updates? Call or text anytime. We are here for every step — from the next attorney meeting to the next generation.
Meeting Recaps, Strategy Roadmap & Next Steps | Updated 03/03/2025