Generational Wealth
Build wealth that outlives you.
The wealthy don't just build wealth. They build systems that keep it growing and pass it on intact. We show you how to do the same for your family.
Generational Wealth
Build wealth that outlives you.
The wealthy don't just build wealth. They build systems that keep it growing and pass it on intact. We show you how to do the same for your family.
The problem
Most wealth never makes it to the next generation.
Families work for decades to build something, then lose it in the handoff: to probate court, to taxes that could have been avoided, or to heirs who inherit money with no structure around it.
It doesn't happen because families don't care. It happens because they never had a plan for the handoff. The families who keep wealth for generations aren't luckier. They planned the handoff. Now you can too.
Your estate plan
A complete estate plan, not just a document.
Revocable Living Trust
The container for your home, your LLCs, and your bank and brokerage accounts. You keep full control while you're alive, and your family inherits privately, without probate. It also holds your business ownership, so your business doesn't stop if you do. Retirement accounts pass by beneficiary designation, coordinated with your trust.
Pour-Over Will
The safety net. Anything that never made it into your trust is directed into it. It's also where you name a guardian for your minor children.
Financial Power of Attorney
If you can't manage your affairs, someone you trust can step in immediately, without going to court.
Medical Directives
Your healthcare wishes are documented, and the people you choose can speak for you.
Trust Funding
A trust only works if your assets are actually in it. We give you a funding checklist and follow up until it's done, because an empty trust is the most common way estate plans fail.
Trust and Will Updates
Your plan should change when your life does. A new child, a new property, a divorce, or a move to another state can all call for updates. We flag when it's time during your quarterly check-ins, and our attorney partners prepare the amendments for a separate one-time fee.
For charitable families
Charitable Remainder Trust
Own an asset that has grown a lot in value, like a property or a business interest? A Charitable Remainder Trust can sell it without paying capital gains tax up front, pay you an income for years, and leave the remainder to a cause you care about. We'll tell you in your strategy session whether it fits. Prepared by our attorney partners.
All legal documents are prepared by our attorney partners.
Tax-advantaged accounts
The accounts that do the heavy lifting.
Solo 401(k)
The growth engine of your plan. Contribute up to $72,000 in 2026 as both employee and employer, depending on your salary. Choose traditional or Roth, and invest in real estate, private businesses, and more, not just the stock market.
Self-Directed Roth IRA, Supercharged
Using the Backdoor Roth strategy, even high earners who are "too rich" for a Roth can fund one every year. Invest it in the assets you know, and every dollar of growth comes out tax-free for you and your heirs.
Health Savings Account (HSA)
Tax-free going in, growing, and coming out for medical costs. Invested and left to grow, it becomes a second retirement account.
Roth IRAs for Your Kids
When your children earn real wages in your business, they can fund their own Roth IRA. Decades of tax-free growth, starting before they graduate.
Your accounts are held at Directed IRA, a licensed and regulated custodian. CITO Trust never holds your funds.
Self-directed rules
Your accounts stay powerful by staying compliant.
Self-directed accounts can hold real estate and private businesses. They also come with IRS rules. We keep you on the right side of them.
Prohibited Transaction Review
Before you close a deal inside your account, we review it, because one prohibited transaction can cost the account its tax benefits.
UBIT and UDFI Planning
Loans and active businesses inside an IRA can trigger a hidden tax. We plan around it, and a Solo 401(k) is generally exempt on real estate loans.
Annual Filings
We prepare your Form 990-T and 5500-EZ when your accounts require them, so you never face the steep penalties for a missed filing.
The handoff
What your family actually receives.
You control everything. You own nothing. And what you've built keeps growing for the people who come after you.
Set up once. Kept current for life.
One flat monthly fee covers your strategy, setup, and upkeep, year after year.
FAQ
Questions, answered.
Because your business is one of your biggest assets, and without a trust it can get stuck in probate right when your family and clients need it running. A trust lets someone you choose step in immediately, keep the business operating, and either continue it or sell it on your terms. The same applies if you're ever unable to work because of illness or injury.
Yes. A pour-over will catches any assets that never made it into your trust and sends them there. It's also the only place to name a guardian for your minor children. The two work as a team.
A legal, IRS-recognized way for high earners to fund a Roth IRA even when their income is above the Roth limits. It's one of the most powerful moves available to business owners.
Yes. With a self-directed account, you can invest in real estate, private companies, and more. There are strict rules about what you can't do, like using the property yourself, and we help you stay inside them.
In an IRA, a prohibited transaction can disqualify the entire account, making the full balance taxable that year. In a Solo 401(k), it triggers penalty taxes. That's why we review deals before you close, not after.
Most families won't. The federal estate tax exemption is $15 million per person in 2026 ($30 million for a married couple), and it adjusts for inflation each year. For most of our clients, the bigger threats are probate and income tax, and that's what this plan solves.
No. We show you how to use the tools. What you invest in is always your decision.
Start building what you'll pass on.
Take the 5-minute Wealth Scorecard to see where you're overpaying, where you're exposed, and what to do about it.
Free results call included. No obligation.
Dealing with the IRS? Our sister company, CITO Tax Resolution, can help.