Legacy Planning2018-11-13T19:19:43+00:00

Legacy Planning & Preservation

Proper legacy planning and preservation is a cornerstone of any successful retirement plan.  It helps ensure that your wishes will be respected and your loved ones taken care of. Legacy Planning is a multifaceted process that can be used for a variety of purposes.  It can be used in helping to preserve your assets for future use to transferring your wealth.

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From the conservation of your assets to the transfer of them, comprehensive legacy planning helps ensure that the management of your assets will be dictated by your wishes throughout your life and may provide a variety of benefits to you and your family. When they are executed and implemented properly, legacy plans may help reduce family disputes and court bureaucracy, provide effective disability planning, appropriately utilize exemptions to minimize estate taxes, and provide certain asset protection benefits to beneficiaries.

There are many strategies and tools that can be utilized to help safeguard your wealth and make sure it is effectively transferred. A variety of legal documents, such as wills, revocable living trusts, powers of attorney, and advanced medical documents are beneficial to the legacy planning process. Life insurance, both term and cash value, is another valuable tool to consider.  It can be designed to serve several different functions. Life insurance policies can help address the financial harm caused by unexpected deaths of parents of minor children.  Policies can also minimize the wealth destruction of families who may need advanced estate taxation avoidance, or possibly even work as alternative savings or wealth generation tools.

Long-Term Insurance


Additionally, long-term care insurance helps protect your assets from the devastating costs of long-term care expenses and ensures that you live in reasonable housing during the last stages of your life. These policies provide a diverse range of coverage depending on the style you choose. There are more traditional policies as well as unique hybrid approaches that can generate enhanced long-term care benefits within certain types of life insurance or annuity contracts.

Legacy organization requires a coordinated and comprehensive approach that Heafner Financial is uniquely positioned to provide.

This material is not intended to replace the advice of a qualified attorney, tax advisor, financial advisor or insurance agent. Before making any financial commitment regarding the issues discussed here, consult with the appropriate professional advisor.

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Our Philosophy…

You may ask: What’s in a logo? We want our logo to represent our philosophy. Our logo is a lion in winter. We want you to be a lion in the winter of your life — leading an independent, abundant, and satisfying life — and finish strong! Bring as much passion and spunk to your winter years as you did during your spring, summer, and autumn years. This requires your passion and a great financial plan.

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Charlotte, NC 28277
(704) 552-1230
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Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors.
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