"My wife and I have successfully grown our property maintenance company from a small cleaning business to a thriving venture. At the age of 55, we both recognized the importance of making prudent financial decisions to optimize our earnings while preserving our accumulated wealth.

 

A trusted friend introduced us to Malcolm, and we felt confident in our tax situation with our advisor. For the past decade, our business has prospered, resulting in annual tax payments ranging from $60,000 to $100,000. The trust and its associated benefits resonated with me, despite my lack of financial expertise. The advisors demonstrated exceptional patience, guiding us through the establishment process and providing unwavering support.

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The full impact of this arrangement became evident when we did not incur any taxes this year (our most successful year in 36 years) and even received a credit! We also recognized the significance of including our rental properties within the trust, which resulted in a $40,000 savings when we sold one last year. Furthermore, the trust’s payment structure enabled us to reduce our monthly health insurance expenses by approximately $2,000. While the initial cost was unexpected, the benefits have proven invaluable, generating a return on investment that far exceeds its initial expense within the first year.

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Regrettably, we now acknowledge the importance of acting sooner. We delayed for nearly two years after our initial introduction, incurring multiple six-figure losses. These funds could have been rightfully ours, earned through hard work and dedication.

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Reflecting on the past 10-15 years, we recognize that we could have achieved full retirement by now had we taken advantage of the benefits we missed. We eagerly anticipate the future and the opportunities that lie ahead."