Survivorship Life Insurance
The best permanent life insurance to fund a special needs trust or estate tax liability
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Tax Saving Strategies to Maximize your Lifestyle & Legacy
Tax Saving Strategies That Work for You
At Triathlon Partners, we specialize in advanced tax saving strategies designed to defer or eliminate tax liability—helping you preserve and grow more of your wealth.
Unlike traditional advisors who rely solely on tax-deferred accounts or ROTH IRAs, we take a more strategic and personalized approach. By leveraging tools like the Deferred Sales Trust, profit sharing plans, and survivorship life insurance, we optimize your financial plan using the full power of the tax code.
Our experienced team works closely with business chiefs, executives, and high-net-worth individuals to implement customized, forward-looking solutions.
Keep more. Build more. Pay less in taxes.
Deferred Sales Trust: Defer Capital Gains and Create Tax-Efficient Income
Are you a business owner or someone holding a highly appreciated asset? When you sell that asset, you could face a significant capital gains tax bill—often at the highest marginal tax rate.
A Deferred Sales Trust (DST) is a powerful alternative to a 1031 exchange (commonly used by real estate investors). With a DST, you can defer taxes on the sale of your business, real estate, or other assets. Instead of paying taxes upfront, 100% of the sales proceeds are invested, and the annual interest is paid to you as income.
Think of it like your 401(k) or IRA: you don’t pay taxes when the assets are sold—only when you start receiving distributions. A Deferred Sales Trust gives business owners the tax-deferral advantage traditionally reserved for retirement accounts.
✅ Defer taxes on the sale of your business or appreciated assets
✅Create a tax-efficient income stream to replace your business’s cash flow
✅Pay taxes only as income is distributed (and when the trust ends)
✅Control your tax brackets and potentially reduce your marginal tax rate
Profit Sharing Plans: Turn Taxable Assets into Tax-Free Wealth
If you’re a business owner, you have flexibility in choosing your retirement benefit plans. While many default to a 401(k), it’s not always the best option.
A Profit Sharing Plan offers significantly more flexibility—it can hold everything a 401(k) can, plus life insurance. This matters because when funds are withdrawn from a 401(k), they’re taxed as income. But with a properly structured life insurance policy, withdrawals can be tax-exempt, and the death benefit is also tax-free.
By converting taxable retirement assets into tax-exempt life insurance benefits, you can build a stronger legacy and gain more control over your tax exposure.
✅Transform taxable investments into tax-exempt income and legacy benefits
✅Enhance retirement planning with survivorship life insurance
✅Receive up to 250% of your 401(k)’s value—without taxes
✅Reduce taxable income and manage your tax brackets
CHEIFS: Unlock Home Equity Without Loans or Debt
CHEIFS (Cornerstone Home Equity Insurance/Investment Funding Solutions) is a revolutionary way for homeowners who are house-rich but cash-poor to unlock home equity without a loan or reverse mortgage.
Here’s how it works: You sell a portion of your home’s equity in exchange for tax-exempt cash—which is then used to fund your retirement with guaranteed solutions. This is not debt; you never make loan payments or accrue interest. Instead, your sold equity portion increases annually but is capped at 49.5%.
You stay in your home as the majority owner and maintain full residency rights. When the home is eventually sold, all equity owners receive their respective shares—regardless of the market value.
✅Receive cash today by selling equity—not borrowing
✅Retain majority ownership of your home
✅Enjoy retirement in your home, with the funds to support your lifestyle
Estate Planning with Survivorship Life Insurance
Survivorship life insurance (also called second-to-die insurance) is a smart, cost-effective estate planning tool—especially for families with estate tax exposure, special needs planning, or legacy goals.
This policy insures two people (typically spouses) and pays the benefit upon the death of the second person. Because the insurance covers two lives, premiums are lower and you can purchase up to 40% more coverage for the same cost.
This makes survivorship life insurance ideal for:
✅Paying estate taxes at a fraction of the actual bill
✅Funding special needs trusts
✅Creating a powerful legacy for heirs or charitable goals
✅Most cost-effective permanent life insurance solution
✅Get 40%+ more benefit for the same premium
✅Ensure liquidity for taxes and trusts when it matters most
More information on Tax Saving Strategies
Survivorship Life Insurance
The best permanent life insurance to fund a special needs trust or estate tax liability
Deferred Sales Trust
The Deferred Sales Trust allows you to defer taxes on the sale of highly appreciated assets. This strategy enables you to invest the proceeds from a sale, generate more income, and pay taxes later, helping you retain more of your wealth while utilizing advanced tax savings techniques.
Hedge Your Portfolio: Earn Interest when the market dips
Do you love paying more than 50% of your wealth to the government? Current estate tax rates start at 40%, add income, estate, payroll, capital gains tax your legacy can be 35% of the pre tax value. Thanks a lot Grandpa!
More information on Tax Saving Strategies
Deferred Sales Trust
The Deferred Sales Trust allows you to defer taxes on the sale of highly appreciated assets. This strategy enables you to invest the proceeds from a sale, generate more income, and pay taxes later, helping you retain more of your wealth while utilizing advanced tax savings techniques.
Learn MoreHedge Your Portfolio: Earn Interest when the market dips
Do you love paying more than 50% of your wealth to the government? Current estate tax rates start at 40%, add income, estate, payroll, capital gains tax your legacy can be 35% of the pre tax value. Thanks a lot Grandpa!
Learn More