As you mature both in your personal and professional life and, as you develop a significant estate, your financial planning shifts to preserving that wealth for future generations. Our goal at The Monolith Group is to help you maintain or grow that estate and diminish the impact of the inheritance tax.

Who is

MONOLITH GROUP?

A Monolith is a very large stone or a very large and powerful organization that acts as a single unit.

Such is The Monolith Group.

The Monolith Group was created to provide an independent source for managing the wealth of successful individuals and preserving that wealth through estate planning. Traditional programs included insurance as the best tool for mitigating the impact of the estate tax but the large premiums would reduce liquidity and the size of the estate. Financing the premiums made good sense but introduced some potential risks.

The firm set out to build a more robust method and reduce as many risks as possible and developed the Monolith Funding Strategies TM plan. Because the Monolith Funding Strategies TM plan includes a finely orchestrated consortium of the best and largest financial institutions, leverage platforms, risk managers, legal experts, and tax specialists, it is the cornerstone of the prodigious organization appropriately named,

THE MONOLITH GROUP.

FORT WORTH, TEXAS
John Gasowski

1300 South University Drive
Suite 406
Fort Worth, Texas 76107
Phone: 817.335.6400
Fax: 817.870.2034

FORT WORTH, TEXAS
Mike Carlson

1300 South University Drive
Suite 406
Fort Worth, Texas 76107
Phone: 214-901-3638
Fax: 888-909-0031

What is the

MONOLITH FUNDING STRATEGIESTM

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In building the best program, THE MONOLITH GROUP chose to incorporate sound, basic business principles such as those you have used to attain your wealth. At the backbone of any business plan is the ability to take assets, capital in this case, leverage it, and generate a fund larger than your initial capitalization. The prudent business and as such, is the heart of the Monolith Funding Strategies TM program.
Here are the components
in this business plan:

One key method of providing tax free funds to pay inheritance tax is through Life Insurance. The Monolith Group works with many insurance companies to find the best insurance plan for your needs. Not all policies are the same but the professionals at The Monolith Group will find the best plan for your situation incorporating life insurance and capital appreciation.

Payment of premiums in life insurance policies of this size can tend to deplete the liquidity of the estate. We search for the lowest cost of capital and invest it conservatively to provide the best return with the lowest risk. During this process, we will also make premium payments while growing wealth. After a reasonable time, these productive revenues will grow to a level sufficient enough to repay our source capital obligation. All during this process, you will always have a life insurance policy in force in the event that its needed.

Why not use the same tools you used to build your estate when it comes to estate planning. Leverage capital for premium payments, not touching the estate, and only posting collateral in the early years. Your family can feel secure that funding for estate taxes will be available when its needed.

What risks are mitigated in
the Monolith Funding Strategies TM program?
  • Traditional bank financing locks the borrowing rate in for a year. The Monolith Funding Strategies TM plan utilizes capital with a 7 day variable rate much lower than bank financing. In the event that the client may wish to lock into a fixed rate at a later date, this program also allows for a swap.
  • Bank financing renews annually at which time you must re-qualify. The Monolith Funding Strategies TM plan is good for 20 years giving the client the security of knowing the funding will remain in place for that period of time.
  • The client will be asked to post some collateral early in the process under the Monolith Funding Strategies TM plan and only a limited guarantee is required..
  • In bank financing, there can be a delay between the time you make your payment at the end of the year and when your renewal is approved. In the meantime, you may have a premium payment that must be made.