Estate Planning And Maximization

The Five Dimensions For Estate Maximization

Estate Maximization addresses the “gaping holes”, especially financial, that the typical estate plan almost always misses. Estate planning attorneys, accountants and other wealth industry professionals, though most good at what they do, have developed the habit of only addressing what we categorize as just a part of the “business side” of estate planning for their clients through the use of commodities (will and trust) only. While protecting high net worth is the most important in the eyes of most, there’s more to planning the business side and there are also four other dimensions for estate maximization that should also be addressed. Please understand that all of the five dimensions must be considered before you and those you care about can feel secure about having a smart and fully comprehensive plan.

Estate Maximization, Kubler FinancialIt’s the business of Kubler Financial, to properly position and mitigate your assets from the teeth of the U.S. Federal 40% estate tax rate, design thoughtful and effective wills and trusts, deliver and administer creative uses of available financial options, life insurance and premium financing, help with beneficiary decision-making, arrange for lawful gifting tax exemptions, other estate transfer arrangements, etc.

But estate strategy development and planning should not end there. When it does (usually the case), the byproduct is extreme levels of vulnerability for the estate holder, the estate holder’s family, and the assets themselves. If your strategy doesn’t consider each of the five dimensions (especially 1-4), then you’re probably living with a sure-to-fail estate plan and strategy.

It’s not incredibly complicated, but lack of attention to the entire picture will deliver catastrophic outcomes. If there’s one thing more important than the money, the assets and even affluence itself, it’s truly understanding and adjusting for the many effects that your wealth can have.

Equally as fervent as you are about managing and defending the measurable worth of your assets, it should also be high on your list to maximize the overall effects of your wealth. Collectively, this is how The Five Dimensions For Estate Maximization cures potential problems and accomplishes the results you desire. Certainly there is no discussion without the wealth, but the reality is that the effects and consequences of it, if not properly accounted for, will likely produce disastrous aftermaths.

Google: “disaster estate plans and see how commonplace tragedies are.

All different, yet extremely costly estate plan problems that would’ve been relatively easy to avert if properly handled prior to the owner’s passing. The list of lost legacies is long – some associated with household names, but most are not – and continues to grow unnecessarily.

It is my personal desire, and the mission of the Kubler Financial team to make people aware that costly gaping holes may exist and reveal strategies that enables the ability for you to direct and transition your assets in the most flawless way possible; to create successful family missions of wealth stewardship and a legacy of well-being for at least two generations after you, and longer if you desire.

Our clients receive all of the benefits from our “Five Dimensions For Estate Maximization.” I am 100% confident that you will gain significantly from understanding and committing to them too.

These are the “Five Dimensions For Estate Maximization”:

1)  The Business Side – Assets and Finances

Origination and implementation of a solid strategy for your estate that protects and increases the bottom line net worth of your collective holdings; so your accumulated assets, one day to be passed on to your family heirs, to charity or combination of both, reflects the absolute largest valuation possible. It includes anticipation and preparation for what happens after the wealth owner passes away with regards to estate taxes, avoiding probate and other unnecessary legal expenses, trusts and working with the IRS.

2)  Human Being – Emotional Elements & Your Legacy

Often the most troubling of all, this is an area where unintended, but emotionally severe consequences are widespread. Understanding, empathizing with and addressing your family’s dynamics and individuals regarding mindsets about affluence, feelings, levels of control, relationships with each other, rivalries, keeping the family together and alleviating the potential for personal suffering, agony, depression, other forms of devastation and even abandonment by members due to an estate plan’s lack of forethought and prediction. People themselves, their personalities, characters and value systems (low levels of integrity, loyalty, honesty, etc.) are a large cause for complications. Poorly thought-out estate plans cause incredible levels of emotional suffering. An ability for you to anticipate this dimension as a future problem area is key.

3)  Preparing Family Members & Other Heirs

The readiness level of family heirs determines much regarding the future of the estate and the fabric of the family itself. Has the long term mission with key players truly understanding what’s ahead, with roles defined and a strategy developed to accommodate it been developed and currently in progress? Is that important to you? To keep it in the family with members who have the aptitude and are prepared to properly manage it all when the time comes?

4)  Succession Planning For Generations – “Keeping It In The Family”

Long-term succession success can occur when most members share the values and attitudes that correspond with ambitions for that. Families must employ sound communications, espouse financial literacy  and positive mindset development about money within and throughout the family, inheritance and prudent decision making skills regarding wealth transitions. Do you want your grandchildren to receive some of the fruits from your life’s great work? Is developing that kind of a legacy of important for you?

5)  Philanthropic Desires – Other Charitable Giving

Philanthropy is the most discretionary of the five dimensions, but most of our clients have discovered great satisfactions associated with giving to charitable causes. Almost all donate or have created family foundations and have developed strong personal relationships between wealth, family, philanthropy and spirituality. In addition to being pleasurable and empowering, it also helps reinforce and remind givers that money usually carries its burden with it and can harm or unsettle the recipient if given without the right amount of caution.

Why Estate Maximization And Planning is so important to you…

Because the estate planning industry is failing its clients, and has been since its inception. It’s a global crisis, but not because of what you might think. The industry’s failure isn’t due to rampant incompetence or ill repute, but has more to do with the professionals taking a much too narrow view of the things that matter. Naturally, there are complexities associated within each of the five dimensions of estate maximization, but details didn’t create the quandary. Lack of consideration of all of the elements and not having the right person or firm quarterbacking the process is the root problem… 

This is also important for you. To avoid being a member of:

The 70% of the wealthy whose estates’ transitions fail; meaning involuntary loss of assets.

• Or of the 75% of the high net worth families, whose money is squandered or otherwise spent before the end of the second generation.

• Which by the end of the third generation 90% of families no longer have their wealth. 

A dismal 10% success rate.

I encourage you to think about the information you’re reading here and how it relates to your own situation. The statistics mentioned above are real and have confounded the estate planning industry forever. It’s simpler than they realize…

Please use the “Five Dimensions For Estate Maximization” as a checklist and a guide for yourself and ask how many of them are missing from your estate maximization strategy and the long term goals you have for your wealth.

Treat the few moments it takes to review this website as an important time for yourself. I would suggest that you read it more than once. Know that after you have adequately addressed each of the five dimensions, then you can begin feeling safe that your estate is truly maximized.

Why Estate Maximization? Because you should only have to create wealth once…

If you care about how your property is handled, you need an estate maximization plan.

I’m easy to reach and speak with and look forward to sharing more about our company and Estate Maximization with you. Estate Maximization, Kubler Financial, Jon Kubler

You can and should keep it in your family…


Jon Kubler

Phone: 310-335-1550 


P.S. The time you spend with me will be rewarded by ideas and perspectives that will help enable your family to preserve its wealth long into the future. It’s your wealth. You earned it and you deserve to keep it in your family!

To expand the bottom line value of your estate and also dictate where your assets go, you want an Estate Maximization Plan…

We don’t circumvent and we work well with in-place legal, accounting and all other advisor team members whenever requested or otherwise professionally and ethically appropriate.