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Welcome to Chestnut Capital's Tax-Free Income Planning
Future taxes are going to be higher due to outside forces beyond our control! The US national debt has been increasing over the years and is a topic of concern for many. As of the latest data available, the US national debt stands at a significant level. The debt can be influenced by various factors such as government spending, economic conditions, and fiscal policies. The aging of the Baby Boomer generation will further exacerbate the issue because of the reliance on social security, Medicare and Medicaid programs. Rather than sit idly by, now is a great opportunity for high net worth families to create a tax-free income plan.
Affluent families are using life insurance as a planning tool for increasing income taxes for several reasons:
1
Tax-Deferred Growth: Cash value life insurance policies allow for tax-deferred growth of the cash value component. This can be beneficial for high net worth individuals looking to grow their wealth without immediate tax consequences.
2
Tax-Free Death Benefit: The death benefit of a life insurance policy is typically paid out tax-free to the beneficiaries. This can be a valuable estate planning tool to provide liquidity to pay estate taxes and other expenses without creating a tax burden for the heirs.
3
Estate Tax Planning: Life insurance can be used as a way to provide liquidity to pay estate taxes upon the passing of the policyholder. This can help preserve the family's assets and prevent the need to sell assets to cover tax liabilities.
4
Income Tax-Free Loans: Policyholders can access the cash value of a life insurance policy through tax-free loans. This can be a source of supplemental income without triggering income taxes.
Overall, life insurance can be a versatile financial tool for wealthier families to mitigate the impact of increasing income taxes and plan for their financial future. Chestnut Capital, LLC can help you find out which are the highest performing life insurance policies available on the market, and the advance strategies on how to use them to accelerate your wealth.
See Why Successful Families Are Adding a
Tax-Free Finance LIRP Plan
Would you rather have the income of Client A, Client B or Client C?
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Testimonial
Meet James Petrinovich
Founder of Chestnut Capital
At the age of 4, Jamie unofficially began his career by helping his father put together marketing folders. Now, after being licensed for over 20 years, Jamie has become a seasoned veteran and has a deep desire to provide his clients with the best possible solutions. He has dedicated his career to assisting high net worth families in planning for a brighter future. Jamie can also aid businesses in rewarding and retaining their top-performing employees using sophisticated planning techniques.
Not only does Jamie take pleasure in working with his own high net worth clients throughout the nation, but he also shares his cutting-edge solutions with other advisors across the country. By empowering other advisors with the necessary tools and knowledge, Jamie and his team are ensuring the continued success of their most valuable clients.
As a former member of the distinguished Forum 400, Jamie’s production has also qualified him for the Million Dollar Round Table. He has forged relationships with some of the preeminent thought leaders and producers in the industry. Jamie continues to stay active in the industry by hosting and attending invitation-only peer group meetings from coast to coast, in an effort to continuously grow as an industry leader. For that reason, he has been nominated and serves on the advisory board for one of the country’s largest life insurance carriers.
Meet James Petrinovich
Founder of Chestnut Capital
Meet the Team
Ron Petrinovich
Seth Gagnon
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FAQ
Why should I consider life insurance after a liquidity event?
A liquidity event—whether from selling assets, an inheritance, or other
windfalls—boosts your wealth but also raises new challenges. Life insurance can
protect your fortune, provide cash for estate taxes, secure your family’s future, fund
charitable goals, or generate tax-free income streams for years to come.
How can Chestnut Capital, LLC help me with life insurance planning?
We specialize in guiding HNW individuals like you through the complexities of newfound
wealth. After your liquidity event, we assess your financial picture, pinpoint top-tier life
insurance options, and craft strategies to optimize tax savings, wealth preservation, and
long-term growth.
What types of life insurance are best for me as a high net worth individual?
Permanent policies like whole life or universal life are often ideal, offering tax-deferred
cash value growth and guaranteed death benefits. We customize these to fit your
needs—whether you’re focused on estate planning, wealth transfer, or creating a
financial safety net.
How can life insurance reduce my estate tax burden?
If your estate exceeds the 2025 federal exemption ($13.61 million per individual), estate
taxes could erode your wealth. Life insurance proceeds provide instant liquidity to cover
these taxes, and with proper structuring (e.g., trusts), we can keep those proceeds tax-
free and out of your taxable estate.
Can life insurance provide tax-free income after my liquidity event?
Absolutely. Policies with cash value allow you to access funds tax-free via loans or
withdrawals, supplementing your finances without added tax liability. We’ll design a plan
to maximize this benefit based on your lifestyle and goals.
What sets Chestnut Capital apart from other financial advisors?
We’re experts in life insurance for HNW individuals post-liquidity event, working with all
top carriers to secure the best options for you. Our focus is on personalized, high-
performance solutions that protect and grow your wealth, tailored to your unique
circumstances.
How much life insurance coverage do I need?
It depends on your goals—covering estate taxes, replacing income, or leaving a legacy.
We analyze your assets, liabilities, and aspirations post-liquidity event to recommend
the perfect amount, ensuring it fits seamlessly into your financial plan.
How do I get started with Chestnut Capital?
Reach out for a no-obligation consultation. We’ll dive into your financial situation,
explore your priorities, and present a tailored life insurance strategy. For a head start,
download our free guide, “Life Insurance Strategies for HNW Individuals Post-Liquidity
Event.”
What risks should I be aware of with life insurance?
Premium costs, policy performance, and interest rate fluctuations can affect results. We
minimize these risks by choosing policies from highly rated insurers and aligning them
with your comfort level, ensuring reliability and value over time.
Where can I find more information?
Download our comprehensive FAQ PDF, “Life Insurance for High-Net-Worth Individuals
After a Liquidity Event,” below. It includes detailed insights, examples of how we’ve
helped clients like you, and next steps to protect your wealth.
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