Most people don’t realize this, but the IRS gives you a rare opportunity to redirect taxes you’re going to pay anyway into a structure that creates:

✔ Lifetime income for you or your spouse
✔ Tax-free inheritance for your children or other heirs.
✔ A meaningful gift to charity

All at the same time.

By combining a Charitable Remainder Trust (CRT) with an Irrevocable Life Insurance Trust (ILIT), you can:

• Eliminate or reduce the IRD and RMD tax bombs on retirement plans
• Convert highly taxed assets into tax-free lifetime income
• Provide your heirs with tax-free generational wealth (outside the estate)
• Support the charitable causes you believe in without reducing what your family receives
• Reduce estate taxes and preserve more of what you’ve built

This is one of the most powerful, IRS-approved wealth strategies available — yet most families are never shown how the pieces fit together.

If you’d like to see how this works for your own situation, I’m happy to walk you through it step by step.

Ph: 808 385 4550. Call me Now.

A LIRA isn’t an IRS-created account—it’s a strategy that uses a properly structured permanent life insurance policy (often IUL) to build “tax-free” retirement income, protected growth, and a permanent death benefit. Qualification is based on age and health, not income.

Who Benefits Most?

High-income business owners and professional earners who max out 401(k)s or don’t qualify for Roth IRAs.

People who want to create generational wealth while building a retirement fund.

Donors who want to contribute to charities.

People seeking low-risk, tax-efficient growth with no market-loss exposure.

Anyone wanting access before 59½ through tax-free withdrawals and loans and no IRS penalties.

Those who want a lifelong death benefit built into their retirement strategy.
Business owners who want flexible, non-qualified planning to attract and retain talent, with minimal reporting.

Is LIRA for everyone?

Maybe not. Are you a lower-income earner who needs only the upfront deduction of a traditional 401(k).
Investors seeking high-risk/high-return strategies—LIRAs are conservative. It can be used for balancing risk.
If you are unable to commit long-term (3+ years funding, 7–10 years growth), this should be approached with caution.

Key Considerations

Your health and age drive eligibility. Underwriting determines acceptance and rates.
A LIRA is “not” a 401(k) or IRA; it follows policy contract rules.
DM or call me now for free information.

Why This Matters Now

Major tax law changes are coming in 2026 that will dramatically reduce the benefits of charitable giving:

• The “Haircut”: Only donations exceeding 0.5% of AGI will be deductible.
• The “Shave”: High earners will receive only a 35% deduction benefit—even if taxed at 37%.
• Loss of appreciated asset deductions: Donating appreciated stock may no longer offer full tax advantages.

2025 is the final year to lock in full deductions and maximize charitable impact.

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Strategic Giving Tools: CRTs & DAFs

Charitable Remainder Trusts (CRTs) and Donor-Advised Funds (DAFs) allow donors to:

• Give now and capture 2025 tax benefits
• Structure future distributions
• Support causes they care about while reducing estate size

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Replace Wealth with Life Insurance

Donating assets can reduce what heirs receive—but life insurance offers a powerful solution:

• Wealth replacement: Use life insurance to restore donated value to heirs
• Tax-free legacy: Policies inside Irrevocable Life Insurance Trusts (ILITs) avoid estate taxes
• Generational planning: Create enduring wealth while supporting philanthropy

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My Role: Educator & Connector

I’m not a securities advisor, so I don’t manage assets—but I do help HNWIs, CPAs, and estate attorneys:

• Understand the urgency of 2025 giving
• Explore CRTs and DAFs with trusted professionals
• Implement life insurance strategies to protect and grow wealth

If you or your clients are considering charitable giving, let’s talk. I’ll help connect the dots and add value—without conflicts. Call me now at 1-808-385-4550.

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📩 Let’s Connect

Whether you’re a donor, CPA, estate planner, or advisor, I’d love to collaborate.

📧 standokmanus1@outlook.com
🌐 standokmanus.com
🔗 LinkedIn

Unlock Hidden Wealth When You Sell Appreciated Real Estate

Are you—or your clients—leaving six figures on the table at closing?
With strategic planning, a Charitable Remainder Trust (CRT) can transform a taxable sale into lifelong income, lasting legacy, and significant tax efficiency.

Most property owners never hear about this option before they sell.
That’s where I come in.

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💼 Who I Work With

I collaborate with:

• Real estate sellers who want to reduce or eliminate capital gains tax.
• Realtors who want to offer clients a smarter, more profitable exit strategy.
• CPAs and attorneys seeking advanced planning tools for high-net-worth clients.
• Bank and credit union professionals who want to enhance relationships with affluent members.

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🧩 What I Do

I’m not a tax advisor or attorney—I’m the strategic connector who assembles the right team to design and implement tax-smart wealth strategies before the sale happens.

I help sellers and their advisors:

• Defer or eliminate capital-gains tax through CRT and ILIT structures.
• Convert sales proceeds into reliable lifetime income.
• Create tax-free legacy wealth for family and favorite causes.

By coordinating tax, legal, and financial experts, I make sure the opportunity isn’t lost between disciplines.

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⚖️ Why It Matters

Every year, millions in potential wealth quietly transfer from families to the IRS—simply because the seller didn’t know there was a better way.
With a properly structured CRT, the IRS gets less, and your family and charities get more.

That’s not avoidance. That’s alignment with the tax code.

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📞 Let’s Work Together

If you’re a professional who wants to bring more value to your clients—or a property seller who wants to preserve your wealth and purpose—let’s talk.

📲 Call: 1 808 385 4550
📧 Email: standokmanus1@outlook.com
🌐 Learn more: standokmanus.com