Most high-income professionals and business owners already give to charity — but very few are doing it in the smartest, most tax-efficient way.

And that’s a missed opportunity.

When structured properly, charitable giving can reduce current taxes, increase cash flow, support causes you care about, and create long-term financial benefits for your family… all at the same time.

Yet most donors have never been shown how to do it.

Most rely on after-tax dollars.
Most miss out on key advantages Congress has already approved.
Most don’t realize that giving can actually strengthen their family’s long-term wealth.

For high-income earners, charitable giving isn’t just generosity.
It’s strategy.
It’s leverage.
It’s one of the few planning tools that can reduce taxes today, increase options tomorrow, and fund a meaningful legacy that lasts for generations.

The best part?

You don’t need complicated structures or risky moves.
You just need the right architecture — and the right guide.

If you’re earning $300K+, running a successful business, or sitting on appreciated assets, it may be time to explore how charitable giving can become the smartest “no-brainer” in your financial world.

You’ll support causes you believe in.
You’ll protect your family.
And you may uncover efficiencies and advantages you’ve never been shown.

I help professionals, business owners, and financially successful families structure their giving in a way that reduces taxes, enhances cash flow, and builds long-term security — using only IRS-approved strategies.

If you’re curious what this could look like for your situation, message me privately.
No pressure, no pitch — just clarity. I promise.

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.

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

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

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.

📩 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.

💼 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.

🧩 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.

⚖️ 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.

📞 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

After decades of working in the field of substance abuse counseling, criminal justice reform, and belief change therapy, I’ve seen a painful truth play out across families of all socioeconomic backgrounds — money can either fuel destruction or fund transformation.

In non-profits, I saw the constant scramble for funding — how mission-driven organizations are often bound by financial handcuffs. In for-profit treatment, I saw billing systems often take priority over real recovery. And in family systems, I witnessed something even more troubling: the destruction of generational wealth by addiction, criminal thinking, or untreated behavioral issues.

That’s when I realized: my financial roots, which I set aside years ago, were never meant to be left behind — they were meant to be merged with my life’s work.

Families don’t just need healing. They need protection. Not just from financial market volatility, but from internal threats: the heir who isn’t ready, the addict who could be manipulated, the relative with a history of impulsive behavior.

What happens when the inheritance lands in the wrong hands?

My work now focuses on solving that problem — helping families, especially those with vulnerable or high-risk loved ones, create smart, compassionate financial strategies that protect both people and legacies.

This includes:

• Building trusts with provisions that protect assets from manipulation and relapse
• Designing wealth transfers that incentivize positive behavior and personal growth
• Helping donors support treatment centers and causes they care about — efficiently and with impact

Whether you’re a parent worried about “what happens after I’m gone,” a non-profit leader seeking sustainability, or a treatment professional trying to preserve your mission — I bring something rare: a fusion of behavioral insight and financial design.

It’s not just about protecting money. It’s about preserving families.

Let’s talk about how we can align your values with your wealth — and protect what matters most.

Call me now to discuss what is important to you, your family and your legacy. 808 385 4550.

When most people think of life insurance, they picture family protection—not billion-dollar strategies. Yet among the ultra-wealthy, life insurance remains one of the most powerful financial tools ever written into the tax code. Why? Because it delivers what every brain craves: security, leveraged growth, and legacy.

At the highest levels of wealth, every deduction, trust, and charitable plan is already optimized. Or is it?

The CPA may say, “You don’t need life insurance.” But the strategist knows it isn’t about need—it’s about arbitrage. The IRS taxes investment gains, estates, and income, but it doesn’t tax the growth or death benefit inside properly structured life insurance. That’s a loophole the Rockefellers mastered generations ago. They didn’t buy life insurance for protection; they bought it for permanence—to replenish family trusts, replace charitable gifts, and ensure each generation began where the last one left off.

Who do you love more than the IRS?

Imagine converting $10 million of idle cash into $40 million of tax-free liquidity held in a dynasty trust. The family wins. The chosen charity wins. The IRS loses. Every dollar compounds in silence—no 1099s, no probate, no forced liquidation. When structured with a charitable trust or ILIT, the result is a seamless cycle of giving and growth—a living legacy that never dies.

In the end, life insurance isn’t about dying. It’s about winning—financially, emotionally, and generationally—by turning tax law itself into your most loyal ally. That’s why the truly wealthy never “believe” in life insurance. They own it.

As a substance abuse counselor who has seen many heirs blow the family fortune on drugs, I can tell you as an insurance expert, that this is the way to protect the fortune that you may have worked a lifetime to build.

Why not call me now to solve these problems! Ph: 808 385 4550.

If you are looking to benefit a charity by December 31, we better act fast. Look at the Pacific Whale Foundation for charitable donation ideas. They are a wonderful organization. Tell them Stan sent you.

But call me for creative ideas that you may not have explored yet.

Stan Dokmanus, CLU, ChFC, LUTCF, CSAC, CCJP, JCI Senator

“Service to Humanity, is the Best Work of Life.”

After decades of working in the field of substance abuse counseling, criminal justice reform, and belief change therapy, I’ve seen a painful truth play out across families of all socioeconomic backgrounds — money can either fuel destruction or fund transformation.

In non-profits, I saw the constant scramble for funding — how mission-driven organizations are often bound by financial handcuffs. In for-profit treatment, I saw billing systems often take priority over real recovery. And in family systems, I witnessed something even more troubling: the destruction of generational wealth by addiction, criminal thinking, or untreated behavioral issues.

That’s when I realized: my financial roots, which I set aside years ago, were never meant to be left behind — they were meant to be merged with my life’s work.

Families don’t just need healing. They need protection. Not just from financial market volatility, but from internal threats: the heir who isn’t ready, the addict who could be manipulated, the relative with a history of impulsive behavior.

What happens when the inheritance lands in the wrong hands?

My work now focuses on solving that problem — helping families, especially those with vulnerable or high-risk loved ones, create smart, compassionate financial strategies that protect both people and legacies.

This includes:

• Building trusts with provisions that protect assets from manipulation and relapse
• Designing wealth transfers that incentivize positive behavior and personal growth
• Helping donors support treatment centers and causes they care about — efficiently and with impact

Whether you’re a parent worried about “what happens after I’m gone,” a non-profit leader seeking sustainability, or a treatment professional trying to preserve your mission — I bring something rare: a fusion of behavioral insight and financial design.

It’s not just about protecting money. It’s about preserving families.

🔷 Call me now if you want or need more information. Stan Dokmanus, CLU, ChFC, LUTCF, CCJP, CSAC

Let’s talk about how we can align your values with your wealth — and protect what matters most.”

Wanberg, Milkman and Beck tell us that, “There will be no long-term behavior changes unless you change core, permission-granting beliefs first.”

When should we begin belief change work in treatment? Beck says, “As soon as possible.” How soon is that? The first hour? The first day? The first week?

What is your favorite belief change intervention? Some beliefs can be changed in as little as 15-20 minutes. Change agents may want to look into this ASAP. It can be a DIY change.

If nothing changes, nothing changes. That is just as true for counselors, therapists and treatment providers as it is for clients or AA.

If you don’t have a belief change strategy to use for yourself or offer your clients, you might be interested in my book: Belief Eye Movement Therapy. Amazon.com. You might consider becoming certified to do BEMT.

Belief change is the purest form of harm reduction.

What happened to Matthew Perry? Was it malpractice? Errors and Omissions?

Did he still have core, permission granting beliefs? If so, Why?
AI summary:

“…from Wanberg & Milkman’s emphasis on core beliefs, Beck’s focus on permission‑granting beliefs, Christ’s teaching on the power of belief, and Ellis’s REBT ABC‑DE framework—there’s a strong theoretical and clinical case for making belief identity and change a primary early goal in treatment.
Here’s why this aligns with both addiction science and criminal justice rehabilitation:
🔍 Why Belief Identity Matters First

Beliefs drive behavior
Wanberg & Milkman’s point is foundational: if someone’s core beliefs remain unchanged, any behavioral shift is likely to be temporary.
…If a client still believes “I’m destined to fail” or “I can’t cope without using,” relapse risk remains high.

Permission‑granting beliefs
Beck’s concept refers to the internal justifications that allow harmful behavior (“I deserve a drink…One hit won’t hurt”). These must be identified and dismantled early for R&R prevention.

Identity as a recovery anchor:
Research on addiction recovery shows that changing identities is a turning point. Without this shift, people often remain trapped in shame-based self-perceptions that fuel relapse.
🧠 How REBT’s ABC‑DE Model Fits

Ellis’s ABC‑DE framework gives a practical roadmap:
A – Activating event (trigger)
B – Belief about the event (often distorted or permission‑granting)
C – Consequence (emotional/behavioral outcome)
D – Disputation (challenging the belief)
E – Effective new belief (rational, empowering)
By targeting B first, treatment directly rewires the thought patterns that lead to destructive C outcomes.

In criminal justice and addiction treatment, focusing on belief change early:
Reduces criminogenic thinking (e.g., entitlement) and
builds pro‑social identity before reentry, which is a protective factor against recidivism.

It supports intrinsic motivation—people act in line with who they believe they are.
📈 Practical Treatment Sequence
Stabilization & Safety – Address immediate risks (detox, crisis management)
Belief & Identity Work – Identify and challenge core and permission‑granting beliefs; begin identity reconstruction
Skill Building – Coping, problem‑solving, emotional regulation
Behavioral Practice – Apply new beliefs and skills in real‑world scenarios
Maintenance & Relapse Prevention – Reinforce the new identity and belief system.

✅ Conclusion:
Yes—belief identity and change should be among the first therapeutic goals, after immediate safety and stabilization. Without this shift, later skills training and behavioral interventions rest on a shaky foundation. In both addiction recovery and criminal justice rehabilitation, the transformation of self‑belief is the pivot point from which lasting change grows.”
Thanks,
Best,
Stan
I developed Belief Eye Movement Therapy to help in these areas. Amazon.com