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1322 Legacy Strategies

Holistic tax-savvy estate & retirement design for the 60–75 bracket

Credibility Narrative

Retirement’s first day can feel like stepping onto a high wire with no net. After decades of diligent saving, the game shifts from accumulation todistribution without erosion—a transition few are coached to win.

Brad Raschke serves as a financial architect for families in that “red-zone” decade. Rooted in Austrian-economics skepticism of inflation and guided by Proverbs 13:22, Brad blends tax mapping, trust architecture, and private liquidity tools (Infinite Banking isone of several) to build legacies that are durable, contractually certain, and values-aligned.

The result? A retirement plan that resists market whiplash, silent tax hikes, and sequence-of-returns risk—freeing families to focus on passing on values, not just valuables.

Are We a Fit?

We’re built for detail-oriented households who:

  • Have $500k – $10 M across IRAs, 401(k)s, brokerage, and real estate
  • Will begin—or have begun—Required Minimum Distributions within 10 yrs
  • Value biblical stewardship & multi-generational impact over flashy speculation
  • Prefer a single “general contractor” who quarterbacks CPAs, attorneys, and investment managers

Our 3-Phase Method

  1. Tax Mapping & Cash-Flow Design
    Run multi-year Roth-conversion scenarios, Social Security timing, and pension vs annuity trade-offs to minimize lifetime tax drag.
  2. Estate & Risk Architecture
    Coordinate revocable / irrevocable trusts, beneficiary forms, and long-term-care hedges; ensure assets bypass probate & family conflict.
  3. Liquidity Engineering
    Establish contract-based cash-value lines or structured credit so big purchases (roof replacements, business buyouts) never force a down-market asset sale.

Impact Metrics

AreaTypical Result
Tax Drag Reduction5- to 7-figure lifetime savings via Roth ladders & charitable trusts
Income CertaintyLayered risk-pooling covers “paycheck” needs before discretionary “playchecks”
Estate ClarityCourt-tested trusts + beneficiary sync = zero guesswork for heirs
Liquidity on DemandPolicy loans / credit lines fund major costs without taxable asset sales

Representative Client Stories

The Sequence-Proof Couple
Age 67 & 65, $2.1 M in IRAs/401(k)s ➜ Tax-map + partial Roth ladder cut projected RMD taxes by $408k; joint-life income annuity delayed both Social Security benefits to age 70.
The Blended-Family Trust Fix
Widow (72) remarried ➜ Testamentary CRT + ILIT balanced income for new husband & tax-free lump sums for children—court-tested and contest-proof.
The Business-Exit Safety Valve
Owner (64) selling HVAC firm for $4 M ➜ Installment sale + CRT + IBC pool erased cap-gains shock and funded a self-insured LTC plan.

Transparent Fees

Complementary. Our gift to your family.

Vision & Stewardship

Brad’s grandfather quietly funded nine grandchildren’s college educations through strategically designed life-insurance policies. The lesson was simple: contractual cash beats speculative flash. Today Brad teaches families the quiet power of a well-stewarded inheritance.

  • Launch an AI-indexed knowledge vault so clients get plain-English answers in seconds
  • Mentor five next-gen advisors in stewardship-based planning
  • Facilitate $100 M + in tax-efficient charitable gifts over the next five years

Ready to Stress-Test Your Retirement?

Schedule a complimentary discovery call below. We’ll know within 15 minutes whether we’re the right steward for your capital.

Book My Discovery Call