What it looks like when
everything works together.

A business owner wanted to transfer his closely-held company to his 21-year-old son over several years. The son lacked capital for an outright purchase. With no plan in place, the business would remain in the owner's estate — creating a liability of over $3 million in estate taxes and leaving succession entirely unresolved.

The client's CPA, recognizing this was beyond his expertise, brought in BPW.

BPW designed a structure that transferred the cash flow of the business to a trust while the owner retained voting control — removing future appreciation from his taxable estate. Insurance at the trust level protected his spouse by ensuring funds would be available to cover transfer costs.

The result: ownership passes to the son over time, estate taxes are neutralized, and the father remains operationally in control for as long as he chooses.

Eight years after executing an estate plan, a widow revisited her financial picture following her husband's death. She discovered that the $3 million life insurance policy obtained in Year 1 was non-guaranteed — it was about to expire unless significantly higher premiums were paid.

Her health had changed substantially, making a new policy at standard rates effectively unattainable. Without a solution, her estate tax coverage would disappear.

BPW leveraged its network of insurance specialists to secure a new, fully guaranteed policy at the same premium as the expiring one. Simultaneously, BPW arranged for the old policy to be sold on the life settlement market — where it fetched $400,000.

That $400,000 represented approximately 10 years of premiums on the new policy — effectively providing her with a decade of coverage at no cost.

A client needed to raise $2 million to invest in a commercial property. He called his investment advisor, who identified two fund options: Fund A (better long-term outlook, long-term capital gains) and Fund B (short-term capital gains). The advisor recommended liquidating Fund A — since the after-tax proceeds would require selling less overall, preserving more of the portfolio in dollar terms.

On the surface, this was reasonable advice. But it was based on incomplete information.

BPW reviewed the client's prior-year tax returns and discovered something the investment advisor had no visibility into: the client had significant capital loss carryovers that could fully absorb the short-term gains from Fund B.

With those carryovers applied, Fund B became the clearly superior choice — the client raised his $2 million while keeping the better-performing Fund A fully intact.