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The word familial has to do with all things relating to family. A familial gathering is one in which family has come together. A familial bond is a strong connection between family members. It's easy to spot the Latin root familia meaning "family" in the word familial.
Scott
Keystone Group
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This site provides a general overview and general information for a specific product. This site is not a substitute for professional legal or tax advice. Consult with your legal or tax professional, or both, on how this will be apply to your specific financial situation.
Family Funded Income Plans
Creating Multigenerational Funding
Familial Responsibility
Maybe you want the money to go to their college education or to help buy their 1st house, you decide! You decide what the money is for and when they can access the funds!
Other key aspects of the program include; A protective structure that allows you to appoint a trusted overseer,
tax-deferred growth until retirement age or an age you choose, flexible contribution options after the initial contribution.
But it must be in the right investment type of account and you need to do it NOW in order for the time value of money to work its magic!
I would welcome the opportunity to discuss how this program might fit into your family's legacy planning. Every
family's situation is unique, and I'd be happy to explore specific options that align with your goals. If you know
others who might benefit from this information, please feel free to share it with
( Disclaimer; In these examples there is no way an investment will return exactly 5% or 6% or any one amount for 60+ consecutive years, but we have to use something as an interest rate to show you an example of how this works. )
There is a growing concern that future generations, our kids, grandkids and great grand kids, nieces and nephews and beyond won't have the standard of living enjoyed by this generation. A recent article in Advisor News Wires highlighted that children born today may need as much as $2 million for their retirement - a staggering figure that reflects our rapidly changing economic landscape
Many people have expressed interest in helping secure their children's and grandchildren's, nieces or nephews financial future. With traditional pensions becoming rare and employment patterns shifting due to technological advances, the retirement landscape our children and grandchildren will face looks very different from what we've known.
But it doesn't have to be that way... There is something you can do to change this for future generations! It doesn’t
require a lot of money, it requires Action... Action Today!
By using a forgotten concept used by our parents and grandparents, called the time value of money, you can change the future for future generations.
How?? By setting aside a sum of money TODAY, that can grow untouched for 40-50 or 60 years. The money you set aside today will grow exponentially into a huge sum of money that can throw off enough interest to make a huge difference in someone's future standard of living.
For Parents or Grandparents, Aunts or Uncles that are financially comfortable consider the following charts…
What makes this program unique is its focus on long-term retirement security rather than just college savings.
In a world where career paths are becoming less predictable, this kind of financial foundation could make a
meaningful difference in someone's future.
The program begins with an initial contribution of $10,000, and you can make additional contributions as small
as $100 whenever you choose. You can establish separate accounts for multiple people, each with its
own protective features.
This program offers a structured way to help secure your someone’s retirement future while maintaining control
over how the funds are used.
If you gifted $10,000 and let it grow over time, this is what your child, grandchild, niece or nephew could end up
with at 65 years old or any age you choose... That’s how you leave a lasting legacy!
This chart shows you an example of how compounding interest works for you over a long period of time.
Example: So lets start on January 1st, If your grandkid is 3 years old and you want him or her to have the money when they become 65 years old. Subtract 3 from 65 and you get 62. So they will be 65 in 62 years, so the amount next to 62 would be the hypothetical amount they would get, at the end of the year, if the product used returned 5% every year for all 62 years, or any age you choose to let them have access to the funds. Which we know won't happen, read the disclaimer. This example is to show you how a small amount of money saved TODAY can make a huge impact in the future of your family.
Your legacy can continue on for generations to come...
If you invested the 2025 Gift Tax limit of $19,000 this would be the result... and you can add additional money at any time in the future. For a married couple you each get to gift up to $19K in 2025 for a total of $38,000
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