Give tens of millions to charity, eliminate your capital gains taxes, and still leave your children 100% of their intended inheritance
Request a confidential Life Insurance & Legacy Assessment — a private review of whether your coverage still reflects your wealth, your estate strategy, and a tax landscape that could shift again.
If you can't say with 100% confidence that your family will keep the lifestyle you've built — without you — that's worth paying attention to. It's more common, and more expensive, than most business owners realize.
In 2026, the federal estate tax exemption jumped to $15 million per person ($30 million per married couple) under the new law, indexed to inflation. That sounds like the problem is solved. It isn't. That exemption is only "permanent" until the next Congress says otherwise — and it does nothing for state estate taxes, business succession, or the liquidity your family needs the moment you're gone.
Here's what a tax law can't fix: a 20-year study of 3,200 wealthy families found that 70% lose their wealth by the second generation, and 90% by the third. Not because of taxes. Because of missing plans, missing conversations, and missing liquidity. (Source: The Williams Group)
I'm Jonathan Codispoti. I've spent two decades in advanced estate planning for business owners and high-net-worth families. I don't believe in one-size-fits-all plans — every strategy is built around your business, your family, and your goals, with an eye toward minimizing taxes, probate costs, and legal risk.
That's exactly what the confidential Life Insurance & Legacy Assessment is built to do. We go over your current insurance and estate plan side-by-side with the new 2026 rules, and show you exactly where the gaps are — before they cost your family six or seven figures.
Consider a composite example based on clients we've worked with: a business owner who spent decades building a company, with most of his net worth tied up in the business and real estate — very little in liquid assets. Without a plan, that imbalance could have meant a forced sale, family disputes, or a tax bill his heirs couldn't cover. After a legacy assessment and the right insurance strategy, his transition plan was fully funded and both of his children were financially secure — no fire sale required. (Hypothetical example for illustrative purposes only; individual results vary.)
Worst case? I confirm you're already in a strong position. Either way, you walk away with clarity — request your confidential assessment below.