Personal Financial Planning
At Wealth Legacy Group, we are proud to offer the highest quality personal financial planning service with an outstanding team support to all of our clients. R. J. Kelly has been in the financial services industry since 1977. He is a Chartered Life Underwriter, Chartered Financial Consultant and Retirement Income Certified Professional®, has a Masters in Financial Services with an emphasis in taxation, and is an Investment Advisor Representative of Wealth Legacy Group®, Inc., a Registered Investment Advisor.
Estate Planning:
Our comprehensive estate planning process goes beyond simply maximizing the transfer of wealth and the family business. Our results typically provide you with more spendable income while alive, greater asset protection, elimination of estate/gift/capital gains taxes, reduced income taxes, intentional philanthropy to support the causes you believe in, and greater family harmony. The unique Lasting Legacy Retreat™ helps families identify their core virtues, values and life purpose. It dramatically increases the likelihood that the family will thrive and remain intact for generations to come.
Asset Protection Planning:
Is your current asset structure leaving you vulnerable to frivolous lawsuits, judgments & liens?
Have you put adequate protections in place against creditors and/or divorce?
Let us share comprehensive techniques to improve your privacy and asset protection.
Tax Planning For Individuals:
Paying too much in taxes or setting the stage for higher estate taxes for your heirs? Let us review your tax situation. Or perhaps convert ‘involuntary philanthropy’ (i.e. taxes) to ‘voluntary philanthropy’ through charitable planning.
Capital gains taxes are … wait for it … voluntary. Federal estate taxes are … voluntary. Generation skipping, gift tax, and so forth are … voluntary. You don’t have to pay them as long as you support the social well-being of the country in a way that is, as said, in alignment with what is important to you … which could be your own family foundation.
Are you taking advantage of the opportunities to opt out of the “involuntary philanthropy”? You can direct the money you would have paid in these taxes towards “voluntary philanthropy”… supporting those organizations, causes and missions that you feel can make the best impact on the lives of other Americans.“Zero tax planning” approach is simply utilizing the rules that are already in the tax law, but which only a fraction of advisors discuss with their clients, and even fewer clients are aware that these opportunities exist.
Insurance Planning:
Insurance is one of the best ways to protect yourself, your family and your business from unexpected losses. We review your insurance policies to ensure that you have the correct types of coverage in place for your unique situation… including life, long term care, disability, critical illness and umbrella liability coverage.
We analyze the benefit of keeping long-held existing coverage vs. exchanging for newer, more efficient contracts, or selling your contract(s) on the secondary market for cash … even if you only have term life insurance in effect.
We can help you explore the benefit of utilizing a “Private Placement” insurance contract – either domestic or international – and its application as a “wrapper” for holding current or future personal investments such as stocks, bonds, mutual funds and even real estate. In addition to providing a tax-free environment for appreciation of assets, there can be substantial asset protection benefits provided through this structure.
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R. J. Kelly holds resident insurance license number #0697059 (DBA Wealth Legacy Insurance Services) in the state of California as well non-resident insurance licenses in a number of different states. He is an independent agent contracted with a variety of well-respected insurance carriers.
4540 Kearny Villa Road
Suite 114
San Diego, CA 92123
Office: (858) 569-0633
Fax: (858) 333-4942
info@wealthlegacygrp.com