IFR Module 250 -- Estate & Legacy Planning Tool
How your estate flows from gross assets to what heirs actually receive.
The federal estate tax exemption is $13.61 million per individual in 2024 (scheduled to drop to approximately $7 million in 2026). Estates exceeding the exemption are taxed at 40%.
Click each strategy to explore how it can improve your legacy transfer efficiency.
Your home equity can serve multiple purposes in retirement and legacy planning.
A Home Equity Conversion Mortgage allows homeowners 62+ to access home equity without selling. The loan is repaid when you move, sell, or pass away.
A revolving credit line secured by your home. Interest-only payments during the draw period. Maintains full ownership and legacy value.
Sell the home, capture the equity, and move to a smaller/less expensive property. The difference becomes liquid assets for retirement or legacy.
Estimated net legacy value under each strategy scenario.