Asset Location & Protection for Larger Estates

For larger estates, asset location can extend beyond taxable, tax-deferred, and Roth accounts. Trusts, family entities, and other structures may also play a role in tax planning, estate planning, and asset protection. In this video, Robert Yu, CFP® and David Haggard, CFA®, CFP® of Apollon Wealth Management cover: • How taxable, tax-deferred, and Roth accounts fit into a broader asset-location strategy • Why families with larger taxable estates may consider where future growth is held • How trust and entity planning may support both estate planning and asset-protection goals CHAPTERS 1. How should you think about asset location if you do not have all three account types? 2. What is the difference between Roth, qualified, and taxable accounts? 3. How can brokerage assets come from inheritances, real estate, or business sales? 4. How does asset location connect with forward tax planning? 5. When does estate planning become part of the asset-location conversation? 6. Why might larger estates consider moving growth outside the taxable estate? 7. How can trusts and family entities factor into asset protection? 8. Why might growth assets be located inside protected structures? COMMON QUESTIONS Q: What if I do not have access to a Roth IRA? A: Asset location can still begin with the accounts and assets you already have, including traditional retirement accounts and taxable brokerage accounts. The advisors explain that the broader goal is to coordinate those accounts with forward-looking tax planning. Q: What are qualified or pre-tax dollars? A: These are generally assets held in accounts such as traditional IRAs, 401(k)s, and certain employer or business retirement plans that have not yet been taxed. Withdrawals from these accounts are generally subject to ordinary income tax. Q: How does asset location change for larger estates? A: For families with substantial taxable estates, the conversation may extend beyond income-tax efficiency to estate-tax planning and where future asset growth occurs. Depending on the circumstances, trusts, family limited partnerships, or other structures may become part of that planning. Q: Why might someone want growth assets outside of their taxable estate? A: The advisors discuss situations where future appreciation may be better positioned in trust or family-entity structures rather than remaining entirely on an individual balance sheet. This type of planning is highly situation-specific and should be coordinated with qualified legal and tax professionals. Q: How does asset protection fit into this? A: Business owners and professionals with greater liability exposure may consider trust or entity planning as part of a broader asset-protection strategy. The advisors also discuss coordinating those structures with tax-efficient investment decisions. 📅 Talk to an advisor: https://apollonwealthmanagement.com/o... Apollon Wealth Management, LLC (“Apollon”) provides advice and make recommendations based on the specific needs and circumstances of each client. The information contained herein is intended for information purposes only and should not be considered investment advice. Market performance information and projections have been provided by third-party sources and, although believed to be reliable, have not been independently verified and its accuracy or completeness cannot be guaranteed. Any opinions, projections, forecasts, and forward-looking statements presented herein are valid as on the date of this material and are subject to change. Past performance is no guarantee of future performance. Please contact your financial advisor with questions about your specific needs and circumstances. This content is not intended as tax or legal advice. Please consult a qualified tax or legal professional regarding your individual situation. #EstatePlanning #RetirementPlanning #AssetProtection