The Wealthy Don't Just Earn More.They're Structured Differently.
Roots & Wealth Group helps families and business owners build the legal and financial architecture that protects everything you've built, keeps more of what you earn, and passes it all forward — for generations.
A proprietary multi-layer strategy. Built around your life. Revealed in your strategy session.
- 37%→21%
- Tax Rate Drop
- $39K+
- Annual Tax Savings
- 100%
- Probate Avoided
- $0
- Capital Gains on Borrowed Wealth
The 7-Layer Wealth Structure
Revocable Living Trust
Layer 1Master container · Probate-proof · Private
Wyoming Holding LLC
Layer 2Fortress wall · Charging order protection
C-Corp · RE LLCs · IP LLC
Layer 321% flat tax · Property shields · Brand
IUL — Your Personal Bank
Layer 4Tax-free growth · Borrow tax-free · 0% floor
Family Bank · Foundation · Legacy
Layers 5–7Generational transfer · Rothschild model
THE PROBLEM
Most Families Are One Lawsuit, One Tax Bill, or One Generation Away From Losing Everything They Built.
Without the right structure in place, your assets are exposed. Your income is overtaxed. And when you're gone, what you built rarely survives to the next generation intact.
This isn't about how much you earn. It's about how you're set up.
The families who preserve and grow wealth across generations aren't smarter than you. They aren't luckier. They built their financial lives differently — with layers of legal protection most people never knew existed.
That's what we build for you.
Paying Maximum Tax
37%+ personal income tax rate on top of self-employment tax. Nearly half of every dollar you earn goes to the government — not because it has to, but because you have no structure to legally redirect it.
Zero Asset Protection
Everything in your personal name is exposed to every lawsuit, every creditor, every judgment. One angry client, one bad tenant, one car accident in a business vehicle — and everything you own is on the table.
No Borrowing Power
Without a documented structure, banks won't lend against your assets at favorable rates. You borrow at consumer rates while structured wealth holders borrow at prime minus — using the same assets you already have.
No Generational Plan
Without a trust, your estate goes to probate court — public, slow, expensive. Your family waits 1–2 years and loses 3–8% of everything you built to court fees. Then what's left goes to heirs with no protection from their own mistakes.
THE FORMULA
The Roots & Wealth Protection Formula
A proprietary multi-layer wealth architecture — engineered for protection, tax efficiency, and generational transfer.
Most people have a bank account, maybe a will, and hope for the best. Our clients have something different — a coordinated structure of legal entities, tax strategies, and wealth vehicles that work together as one system.
We don't offer cookie-cutter advice. We build a custom architecture around your specific assets, income, family situation, and goals.
The full details of your structure are proprietary to your engagement. What we can tell you is this — every client structure we build is designed around seven critical layers of protection, each one reinforcing the next. No layer stands alone. The power is in how they connect.
Asset Insulation
What you own is separated from what can be taken. Your personal name is removed from the target.
Entity Architecture
The right legal structures, in the right states, holding the right assets — coordinated to work as one unit.
Tax Repositioning
Legal strategies that reduce, defer, and in some cases eliminate taxes on income, growth, and transfers — the same strategies used by the country's largest family offices.
Life & Legacy Insurance
Wealth vehicles that grow tax-free, protect your family, and serve as your own private banking system.
Irrevocable Protection
Assets moved outside your estate — protected from creditors, lawsuits, and estate taxes — while still benefiting your family.
Generational Transfer
A structure designed so your wealth doesn't just survive you — it multiplies across generations with minimal tax consequence and maximum control.
Business & Brand Separation
Your business operations, intellectual property, and personal assets operate in separate, protected environments.
The complete blueprint for your structure is built during your engagement — not disclosed before it. Book your strategy session to learn what your specific situation requires.
THE NUMBERS
The Tax Gap Is Real. And It's Fixable.
The average American pays between 25% and 40% of their income in combined federal, state, and local taxes every year.
Our clients pay significantly less — legally.
Not through loopholes. Not through risk. Through structure.
The difference between paying full taxes and paying a fraction of them isn't illegal. It isn't luck. It's architecture. The right entities, the right accounts, the right timing — working together as a coordinated system.
We don't publish the specific strategies we use. That's by design. Your session is where we show you exactly what applies to your situation.
WITHOUT STRUCTURE
Total taxes paid
$63,156
WITH THE STRUCTURE
Total taxes paid
$23,894
Families who structure properly can legally reduce their effective tax rate by 30 to 60 percent
The average estate loses 40 percent of its value to taxes and legal fees when passed without a proper structure
Structured correctly, wealth can transfer to the next generation with near-zero tax consequence
WHY IT WORKS
Every Advantage This Structure Gives You
Total Lawsuit Protection
Every asset shielded behind layers of entities. A judgment on one property or business can never reach your others. Wyoming charging order protection means creditors may wait forever and collect nothing.
Dramatic Tax Reduction
C-Corp 21% flat rate. Deduct health insurance, retirement ($69K/yr), vehicles, equipment, and travel before you pay a dollar of tax. Legal, documented, and used by every major wealthy family.
Buy · Borrow · Die Strategy
Buy assets. Borrow against them tax-free using your IUL or securities-backed line. Live on the loan proceeds — which are not income. At death, heirs inherit at current market value with all capital gains permanently erased.
Zero Probate
Your Revocable Living Trust passes everything to your heirs immediately at death — no court process, no public record, no waiting. Saves 3–8% in fees and 12–24 months of your family's time.
Complete Privacy
Wyoming LLC membership is not public record. Your trust document is private. Your name, wealth, and holdings are legally invisible to the public — protecting you from predatory attorneys and identity theft.
Your Own Personal Bank
Your IUL grows tax-free, linked to the S&P 500 with a 0% floor. Borrow against cash value at near-zero net cost. The interest goes back to you, not a bank.
Institutional Borrowing Access
Securities-backed lines at prime rate. DSCR real estate loans with no W-2 required. SBA loans up to $5M through your C-Corp. Business credit independent of personal credit.
Brand & IP Protected Forever
Your IP LLC owns your trademarks, content, courses, and brand. No lawsuit can ever reach it. It licenses back to your business — keeping your most valuable assets in the safest entity you own.
Generational Wealth — Built to Last
Dynasty Trust lasts forever with no estate tax at each generation. Heirs protected from their own divorces and creditors. A Family Bank lends to them at below-market rates — keeping money in your bloodline.
Generational wealth was stolen from too many families through systemic barriers, redlining, and broken promises. The structure to rebuild it has always existed — it just wasn't made available to everyone. That changes now.
Our Mission
Built for Families Who Are Done Starting Over
The same strategies that wealthy families have used for centuries to protect, grow, and transfer wealth are not secrets. They were just never brought to the people who needed them most. Roots & Wealth Group exists to change that — for every family, in every community, ready to build something that lasts.
$124T
Wealth being transferred to heirs by 2048 — most without any structure
3 Gen
Average generations before family wealth disappears without a plan
40%
Federal estate tax on assets above exemption — paid by families with no trust
$0
Estate tax owed by families with a properly structured Dynasty Trust
WHO WE SERVE
This Is Built for You If...
Business Owners & Entrepreneurs
You've built income — now it's time to protect it. A C-Corp, Holding LLC, and IP protection layer will dramatically reduce your taxes and shield everything you've built from anyone who wants to take it.
Real Estate Investors
Every property you own in your personal name is a liability. One tenant lawsuit can unravel decades of equity. We build the LLC structure that contains every risk, protects every property, and keeps your portfolio growing.
Creators, Coaches & Brand Builders
Your brand, your content, your name, your courses — these are assets. Right now they're probably unprotected. An IP LLC separates what's valuable from what's at risk.
Families Building Generational Wealth
You want your children and grandchildren to inherit something real — not a probate court battle, not an estate tax bill, not a pile of unprotected assets. We build the structure that makes that happen automatically.
High-Income Professionals
Doctors, attorneys, consultants, and executives who are paying 37%+ in taxes, have no structure, and know they're leaving money on the table every year. The structure exists. You just haven't had someone build it for you.
First-Generation Wealth Builders
You are the first in your family to reach this level. You didn't have someone to hand this down to you — but you will be the one who hands it down. We build the structure that makes your family's wealth permanent.
INVESTMENT
Choose Your Starting Point
Three packages built for different stages of asset growth. All three coordinate every professional on your behalf — attorney, CPA, insurance broker, and more. You make one call. We handle everything.
Blueprint Package
one-time flat fee
Best for assets $50K – $300K
Your entry point into structured wealth protection. A full analysis of your current financial situation, a custom wealth structure blueprint, and a clear implementation roadmap — delivered in 14 days. What to do, in what order, and why. Built for you.
Get StartedFull Structure Package
one-time flat fee
Best for assets $300K – $2M
We don't just design it — we build it. Full coordination of your complete multi-layer structure, from initial formation through final activation. Every entity. Every account. Every connection. Done. Delivered in 60 days.
Book Strategy SessionYou will be asked a few brief questions before confirming your session.
Legacy Architecture
one-time flat fee + annual retainer
Best for assets $2M – $10M+
The complete picture — structure, generational transfer, charitable strategy, and long-term wealth management architecture. Designed for families building wealth that outlasts them. Delivered in 90 days.
Book Strategy SessionYou will be asked a few brief questions before confirming your session.
Annual Maintenance Retainer available: $1,200 – $6,000/yr · Ongoing compliance, structure updates & annual review
HOW IT WORKS
Your Path to a Protected, Tax-Efficient Wealth Structure
You focus on your business. We coordinate every attorney, CPA, insurance broker, and financial professional on your behalf.
Strategy Session
Step 1
A 60-minute deep dive into your current financial picture — your income, your assets, your goals, your gaps. We identify what's exposed, what's costing you, and what your structure should look like.
Your Custom Blueprint
Step 2
We design your personal wealth architecture — a multi-layer structure built specifically around your situation. No two blueprints are the same.
Full Implementation
Step 3
We coordinate the formation, filing, and activation of every layer in your structure — working alongside your legal and financial team or referring you to our trusted network.
Ongoing Support
Step 4
Your structure isn't set-and-forget. We provide ongoing guidance as your wealth grows, your life changes, and new opportunities emerge.
We do not disclose the specific strategies, entities, or structures used in client engagements until the engagement begins. This protects our methodology and ensures your blueprint is built for you — not copied from a template anyone can find online.
FAQ
Questions We Hear Every Day
Because your structure is built around your specific situation — not a menu of services. Every client engagement is different. The strategy session is where we assess what you need and design accordingly.
The individual components of a wealth structure are not secrets. What takes years to master is knowing which combination is right for your specific situation, how to sequence them correctly, and how to maintain them so the protection holds. A structure built incorrectly provides no protection at all — and can create significant legal and tax liability. We build it right, the first time.
Financial advisors manage investments. We build the legal and structural foundation those investments sit inside. Most financial advisors work on top of the structure — we build the structure itself.
The strategy session is specifically designed for that conversation. We assess your situation, explain what applies to you, and show you exactly what your structure would look like. The $250 session fee is credited toward your engagement if you move forward.
100% legal. Every strategy in this structure is documented in the US tax code and used openly by the wealthiest families and businesses in the country. This is not a loophole, not offshore, and not aggressive tax evasion. It is the standard practice of every major estate planning attorney and wealth management firm serving high-net-worth clients.
The foundation layers can be in place within 2–4 weeks. The full multi-layer structure typically takes 3–6 months to build correctly. We track every deadline and every filing so nothing falls through the cracks.
Structures need annual maintenance — registered agent renewals, annual reports, meeting minutes, and reviews as tax laws change. We offer ongoing retainer support so your structure stays current and effective as your wealth grows.
YOUR NEXT STEP
The structure that wealthy families have used for generations isavailable to you right now.
The only difference between the families who built generational wealth and the families who started over every generation is the structure. Book your strategy session today — we'll assess your full picture, show you exactly what your structure looks like, and tell you what it will cost. No pressure. Just clarity.
Strategy sessions are limited. Complete the intake form before booking to get the most out of your session.
GET IN TOUCH
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