Smartgoal Financial Solutions
Affordable, Stress-Free, Proactive and Comprehensive Financial Planning
for Individuals, Families and Small to Very Large Businesses.
Affordable, Stress-Free, Proactive and Comprehensive Financial Planning
for Individuals, Families and Small to Very Large Businesses.
A couple with W2 of 210k and business income 400k-500k were frustrated with the amount of taxes they were paying and they had no estate plan or asset protection and future tax liability of $2.4M on sale of business. With the help of one of our Tax Planning Specialists, they were able to implement Tax planning, Asset Protection, Estate Planning and Cost Mitigation strategies and save 400k+ in tax savings, reduced future estate tax, protected their assets and got more clarity and peace around finances.
A government contracting firm of 90 employees and $30M+ annual revenue, $7.8M annual net income and owners earning $800k-$2M annual income worked with our Chartered Financial Consultant with specialization in Qualified Retirement Plans and implemented Cash Balance plan, Qualified Plan Restructuring, Life Insurance, Investment Accounts, Expense Mitigation and Risk Mitigation. With this, they were able to get 460k tax savings in year1, $4.2M tax savings over 9years, Tax-free income from the life insurance in addition to death benefits and living benefits and avoided DOL nightmare by restructuring the company’s Qualified Plan.
Client got a 500k Term policy with living health benefits from us in the Super preferred health category in 2019 and got diagnosed with Cancer 3 years later. After many treatments, it was considered Stage 4 and the client was declared terminally ill in 2025 and he couldn’t work too. Wife was working and handling treatments while raising 2 very young kids at home. In late 2025, wife filed claim for Accelerated Benefit for Terminal Illness and got approved for check valued at 60%-90% of the 500k policy. With a CPA’s help, we got mock taxes done to ensure there is no tax owed on 60% of 500k and she accepted that amount and it helped her run the family while caring for her husband. In May 2026, client passed away. Wife was eligible to file a claim for the remaining 40% of 500k and get it tax-free too. Accelerated living benefits helped this family tremendously during very tough times they were experiencing emotional distress.
Clients are a working husband and wife couple with one child. They both got Term insurance policies and locked their health. Wife’s health situation changed afterwards and she quit working. Yet, as health was locked, without a new medical exam, we were able to get this couple their IUL policies with a plan for college loan for their child and their retirement income eventually. And, as the wife already rolled over her previous employer’s 401k into annuity with our help, her retirement savings were fully protected and included insurance death benefit too. Wife wouldn’t have qualified for any life insurance if she waited and didn’t get it earlier with us. This proactive planning gave peace to this family and helped in planning for their child’s college education expenses without any uncertainty and financial strain.
Copyright© 2026, All rights reserved. Powered by A.T.A ANALYTIQ PVT.LTD