Charitable Remainder Trusts: Tax-Efficient Strategy for Appreciated Assets

Charitable Lead Trusts: Reduce Estate Taxes While Supporting Charity

If you have a large estate and want to support causes you care about while potentially reducing taxes for your children, a Charitable Lead Trust (CLT) may be worth exploring. In this episode, Tony Leonardi, CFP®, breaks down how Charitable Lead Trusts work, who they’re best suited for, and how they can help reduce the taxable value of assets passed to the next generation. You’ll learn: How a CLT flips the traditional trust structure — paying charity first, then passing remaining assets to your heirs A realistic example of a $42 million estate and how a CLT couldpotentially save $2M – $3.5M+ in estate taxes Key advantages, risks, and important considerations before moving forward Why this strategy is mainly an estate tax tool (not an income tax tool) This is an advanced planning strategy — not for everyone — but it can bevery powerful for the right family. Timestamps: 00:00 – Introduction to Charitable Lead Trusts 01:45 – How a CLT Works03:20 – Real Example: $42 Million Estate 06:10 – Potential Tax SavingsBreakdown 09:30 – Important Risks & Considerations 12:15 – Who ThisStrategy May Be Right For 14:00 – Next Steps & Smart Retirement Model Offer If you're concerned about estate taxes and want to explore smarter ways to support charity while protecting your legacy, this episode is for you. 👉 Ready to see how strategies like thiscould impact your plan? Book a complimentary 15-minute call and I’ll build yourSmart Retirement Model at no cost or obligation: →LeonardiFamilyWealthcare.com Free Resources: • Smart Tax Shield Legacy Playbook → • Roth IRA ConversionPlaybook 2026 → LeonardiFamilyWealthcare.com #CharitableLeadTrust #EstateTaxPlanning #LegacyPlanning#RetirementPlanning #TaxStrategy #CFP

Charitable Remainder Trusts: Tax-Efficient Strategy for Appreciated Assets

Tony Leonardi, CFP®, breaks down Charitable Remainder Trusts (CRTs) — an advanced planning strategy that may help individuals with appreciated assets potentially reduce capital gains taxes, generate lifetime income, and support charitable causes. In this episode, Tony walks through how CRTs work, shares a detailed example of a business owner comparing an outright sale versus using a CRT, and discusses important considerations including irrevocability and whether thisstrategy is a fit for your situation. This episode is designed for educational purposes. Any advanced planning strategy should be reviewed with your full advisory team.

Why Leave On Assets (Especially IRAs) Are So Tax-Inefficient – And Four Smarter Ways to Fix It

If you don’t need your IRA for living expenses, it canbecome one of the most tax-inefficient assets to leave your children. The IRS often takes two bites at the same dollars — once during your lifetime and again when your heirs are forced to withdraw over 10 years.   In this episode I show you the real cost with clear examplesand introduce four practical strategies under the Smart Legacy Tax Shield that let you pay tax once instead of twice.   Download the free Smart Tax Shield Legacy Playbook Book your no-cost Smart Retirement Model session →LeonardiFamilyWealthcare.com   #LeaveOnAssets #SmartLegacyTaxShield #RMD #TaxPlanning#LegacyPlanning #SmartRetirement

How to Minimize Taxes on Your Live On Assets in Retirement

Most retirees never separate their Live On assets (moneythey’ll spend) from their Leave On assets (money for heirs). This one mistake often leads to higher taxes, unnecessary risk, and a smaller legacy.   In this episode I walk through the simple way to calculatethe split and share the four most effective strategies to minimize taxes on the money you actually need to live on — including Roth conversions, QCDs, smart withdrawal sequencing, and proper asset allocation.   Download the free **Smart Tax Shield Legacy Playbook** → Book your no-cost Smart Retirement Model session →LeonardiFamilyWealthcare.com   #LiveOnAssets #RetirementTaxPlanning #RMD #QCD#SmartRetirement

Live On vs Leave On Assets: The Most Important Distinction in Retirement Planning

Last week we talked about paying tax once instead of twice.This week we go deeper: the critical difference between **Live On assets**(money you’ll spend) and **Leave On assets** (money for your heirs).   Most people treat all their retirement accounts the same way— but once you separate them into these two buckets, everything changes:investment strategy, tax planning, and withdrawal approach.   In this episode I show you: - How to calculate your Live On vs Leave On split - Why each bucket should be invested and taxed differently - A real client example where separating the bucketsimproved their probability of success from 78% to 94%   If you have substantial retirement savings and some of thosedollars are intended for the next generation, this could be one of thehighest-leverage planning steps you can take.   Download the new **Smart Tax Shield Legacy Playbook** (free)– link in description  Book your free Smart Retirement Model session →LeonardiFamilyWealthcare.com   #LiveOnVsLeaveOn #RetirementPlanning #AssetAllocation#TaxPlanning #LegacyPlanning #SmartRetirement