Our Client’s Story - Claire’s Blueprint: Honoring Heritage, Securing Generations
At 58, Claire stood at the crossroads of two worlds. A respected member of her Native community and a leader in Silicon Valley, she embodied balance:
- 🌟 $120k+/year income as a tech professional.
- 🌿 A $2.5M home in San Jose, where she hosted intergenerational gatherings.
- 🌱 $400k in stocks and $750k in her 401(k), resources she hoped to steward wisely for her children and family.
When her cousin faced $12k/month long-term care costs, Claire’s fears crystallized: “How do I protect my family’s future and honor our traditions?”
Here’s how she wove resilience into her legacy - in two steps:
STEP 1: Protecting the Circle with Asset-Based Long-Term Care
🔸 Challenge: She couldn’t touch her 401(k) until 59½, but her stock portfolio held answers.
🔸 Solution: She reclaimed $200k from stocks to fund an Asset-Based LTC Plan:
- $12k Care Fund per month: This will pay out as long as she needs care the rest of her life, ensuring she can age with dignity without burdening her family.
- Sacred Legacy: If care isn’t needed, the original $200k returns to her heirs “tax-free”, preserving her role as a steward for the next generation.
Home as Sanctuary: She shielded her land and home from liens, honoring her ancestors’ connection to place.
Claire’s reflection: “This plan isn’t just for me—it’s for my grandchildren and the elders who came before us.”
STEP 2: Lifelong Stewardship with a Fixed Indexed Annuity
🔸 Challenge: Her 401(k) needed to support her and her community.
🔸 Solution: At 59½, she rolled $600k into a Fixed Index Annuity product with a Double Confinement Rider:
- Growth in Harmony: Earned interest tied to market-linked growth - with interest credited based on trusted indices while safeguarding principal - like planting seeds without fear of storms.
Strength in Need: If she couldn’t perform 2/6 daily tasks ( eating, dressing, transferring, etc.), her income doubled, ensuring her wisdom could still guide her family.
- Endless Giving: At 60 or more, lifelong income began, funding for her lifestyle.
Claire’s words: “This ensures I walk in balance - caring for myself, and my family.
The Circle Complete: A Legacy Unbroken
✅ Today: Her care fund stands guard, a modern-day “medicine bundle” for her health.
✅ At 60+: Income flows like a river, nourishing her family’s dreams.
✅ Always: Her home remains sacred ground. The ALTC funds will be returned to her heir if care isn't needed.
Why This Speaks to All Cultures
Claire’s story transcends borders. Whether you’re rooted in ancestral traditions or building a new legacy, her blueprint teaches:
1. Honor Your Roots: Protect what your ancestors gifted you.
2. Grow with Courage: Let your resources thrive without risk.
3. Give Forward: Ensure your wealth uplifts those who follow.
Claire’s journey reminds us: True wealth is measured not in dollars, but in generations. 🌍✨