Protect Your Family.Build Your Legacy.Own It Forever.
The same wealth-protection structure used by the Rothschilds, the Waltons, and the Gates family — now built for families ready to protect what they've earned, eliminate unnecessary taxes, and transfer wealth across generations.
- 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 people are one lawsuit, one audit, or one death away from losing everything.
Without a proper structure, everything you've worked for sits exposed — in your personal name, at maximum tax rates, with no plan for what happens next.
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 SOLUTION
The 7-Layer Wealth Protection Formula
A coordinated legal and financial structure that shields every asset, eliminates unnecessary taxes, unlocks institutional-level borrowing, and transfers wealth across generations. Built in phases. Coordinated by us.
DBAs / Operating Brand Names
What the public sees — the trade names your entities operate under. You never do business in your personal name.
Private Foundation / DAF
Donate assets, take immediate deductions, retain influence. Tax-free compounding. Generational mission and family legacy.
Irrevocable Trust / Family Bank
Removes assets from your taxable estate permanently. Lends to family at below-market rates. The Rothschild 200-year model.
IUL inside ILIT — Your Personal Bank
Tax-free growth linked to S&P 500. 0% floor — never lose in a down year. Borrow against cash value tax-free. Death benefit passes income-tax free.
C-Corp · Real Estate LLCs · IP LLC
21% flat corporate tax rate. One LLC per property — lawsuits are contained. IP LLC owns your brand and licenses it back to protect its value.
Wyoming Holding LLC
The fortress wall. Charging order protection means a creditor who wins a judgment against you can only wait on distributions — which you control. They may wait forever.
Revocable Living Trust
Your master container. Avoids probate entirely. Keeps your estate private. Transfers everything to your heirs immediately at death — no court, no waiting, no public record.
THE NUMBERS
This Structure Pays for Itself in 60–90 Days
Real numbers for a business owner earning $200,000 per year.
WITHOUT STRUCTURE
Total taxes paid
$63,156
WITH THE STRUCTURE
Total taxes paid
$23,894
$39,262 saved annually — The Full Structure Package is $7,500 · It pays for itself in the first 60 days of tax savings alone
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
- 2-hour strategy discovery session
- Personalized written wealth structure blueprint
- Attorney & CPA referrals with briefing
- Step-by-step setup checklist
- 30-day email support
- 1 follow-up call at Day 30
Full Structure Package
one-time flat fee
Best for assets $300K – $2M
- 3-hour deep-dive discovery session
- Complete 7-layer blueprint — all entities
- Concierge coordination of all professionals
- Entity filing tracking — start to finish
- IUL illustration review & carrier selection
- Business credit roadmap
- IP inventory & trademark coordination
- Asset re-titling checklist
- 60-day support + completion review
You will be asked a few brief questions before confirming your session.
Legacy Architecture
one-time flat fee + annual retainer
Best for assets $2M – $10M+
- Full family asset inventory & risk audit
- Dynasty trust + family bank design
- Private foundation feasibility analysis
- Buy-Borrow-Die implementation plan
- SBLOC lender introductions
- 12-month professional team coordination
- Quarterly strategy calls
- Estate tax projection + planning
You 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
From Discovery to Done in 3–6 Months
You focus on your business. We coordinate every attorney, CPA, insurance broker, and financial professional on your behalf.
Discovery
Week 1
Complete intake form. Deep-dive strategy session. Full asset inventory and risk assessment. We identify which layers to build first and why.
Blueprint
Week 1–2
Your personalized written structure plan — which entities, what states, what order, and projected tax savings. Professional team assembled and briefed.
Build
Weeks 2–8
Attorney files entities. CPA implements tax strategy. IUL designed and applied. Accounts opened, assets re-titled. We track every deadline.
Verify
Day 90
Completion review — every entity live, every account open, every title transferred. Annual maintenance plan set. Your structure is working.
FAQ
Questions We Hear Every Day
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 difference is that these strategies have historically only been available to people with millions in assets and access to top-tier advisors. Roots & Wealth Group makes them available to families at every asset level.
Yes — and the earlier you build it, the more powerful it becomes. Our Blueprint Package is designed for people with $50,000–$300,000 in assets or business income. The structure is built in phases — you start with what makes the biggest immediate impact and add layers as your wealth grows. Most clients see immediate tax savings that pay for the entire structure in the first year.
We are Wealth Structure Strategists and Concierge Coordinators. We are not attorneys or licensed financial advisors — which means we have no financial incentive to steer you toward any specific product, attorney, or firm. We design your personalized wealth structure blueprint, then coordinate every licensed professional needed to execute it. Think of us as the quarterback — we see the whole field, call the plays, and make sure everyone is executing the right strategy in the right order.
An estate attorney drafts your trust documents. A CPA handles your taxes. A financial advisor manages your investments. An insurance broker sells you a policy. None of them see the whole picture — and none of them coordinate with each other. Roots & Wealth Group builds the complete blueprint first, then coordinates all of those professionals to execute it as one cohesive structure. Most clients save more in the first year than they spend on all professional fees combined.
The foundation layers (Revocable Living Trust + Wyoming Holding LLC) can be in place within 2–4 weeks. The full 7-layer structure typically takes 3–6 months to build correctly. We track every deadline and every filing so nothing falls through the cracks. You will always know exactly where things stand.
The strategy session is 1–3 hours depending on your package. We review your intake form together, walk through your assets, income sources, and goals, identify the biggest immediate opportunities, and map out your personalized structure. You leave with absolute clarity on what needs to be built, in what order, and what it will cost. There is no pressure — the session is for your benefit.
Structures need annual maintenance — registered agent renewals, LLC annual reports, meeting minutes, and annual reviews as tax laws change. We offer Annual Maintenance Retainer packages starting at $1,200/year that handle all of this for you. Clients on retainer also receive priority access for questions, additional entity formation, and strategy updates as their 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
Have a Question Before You Book?
Not Ready to Book Yet? Send us a message and we will get back to you within 1 business day.