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Jeremiah Ramirez

@ricoramirez86

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#TheMarathonGroup🏁
Personal Finance Analyst

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Life insurance can be income-tax-free and still count toward the insured person’s taxable estate.

An ILIT, or irrevocable life insurance trust, can own a policy and manage its proceeds for beneficiaries. Proper structure and administration matter. It can coordinate with a living trust without needing a parent trust to own it.

An ILIT may help manage inheritance and provide liquidity, but it is not necessary for every family. Federal and state estate-tax exposure varies. No structure guarantees tax savings.

Term and permanent policies can serve different needs. Compare premiums, charges, guarantees and lapse risk. Indexed universal life illustrations are not promises of future growth.

Premium contributions may be gifts and require gift-tax planning. When annual gift-tax exclusions rely on beneficiary withdrawal rights, those rights need proper administration, including appropriate notices, a genuine opportunity to withdraw, and records. Discuss the process with your attorney and tax professional before funding.

Transferring an existing policy can raise a three-year estate-tax issue. This is not an automatic waiting period for every policy newly purchased by an ILIT.

Presented by @K2_finance and @ricoramirez86.

U.S. educational overview. Not individualized legal, tax, or financial advice. Work with an estate-planning attorney and qualified tax, financial and insurance professionals.
#estateplanning #trustplanning #wealthmanagement #financialfreedom by @ricoramirez86

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15 hours ago

Build wealth with a purpose. Create a legacy with a plan.

Andrew Carnegie’s legacy combined provisions for his wife and daughter with separate charitable trusts and foundations supporting education, community wellbeing, and international peace.

His approach offers a lasting lesson: decide who your wealth should support, who should manage it, and what you want it to accomplish.

For families and business owners, that conversation includes:

✅ Providing for loved ones
✅ Choosing trustees and successors
✅ Establishing clear instructions for managing assets
✅ Coordinating business succession and charitable goals

At The Marathon Group, we help coordinate financial strategies with estate attorneys and tax professionals so your family, business, and philanthropic priorities work together.

What purpose will guide your family’s legacy?

"themarathongroup.net" (https://themarathongroup.net)

#entrepreneur #wealth #money #business #family by @ricoramirez86

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17 hours ago

A family fortune needs clear instructions for ownership, income, and control.

Cornelius “Commodore” Vanderbilt’s original estate plan left most of his fortune outright to William Henry Vanderbilt, while separate trusts provided lifetime income or support for designated family members.

Trustees held the bond principal, and each trust specified who would receive that capital after the beneficiary’s death.

The details mattered:

▪️ Who controlled the assets
▪️ Who received the income
▪️ What restrictions applied to distributions
▪️ Who ultimately inherited the principal
▪️ Who continued managing the trusts when a trustee could no longer serve

For today’s families and business owners, these same questions deserve careful attention.

The Marathon Group helps coordinate estate planning, business succession, insurance, and family wealth strategies alongside your legal and tax professionals—bringing your intentions into a clear, organized plan.

Let’s discuss the structure behind your family’s legacy.

🌐 themarathongroup.net

#entrepreneur #wealth #money #family #business by @ricoramirez86

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2 days ago

A lasting legacy begins with a clear purpose—and people prepared to carry it forward.

Warren Buffett’s publicly disclosed trust framework names his three children as executors and trustees, requires unanimous decisions, and provides alternate trustees to maintain continuity. Its central purpose is charitable giving.

His July 2026 update sets a clear goal: donate all remaining Berkshire Hathaway shares to four family foundations by December 31, 2034, during his lifetime or after his death.

For business owners and families, the planning lessons are practical:

✅ Define what your wealth should accomplish.
✅ Choose and prepare the people who will oversee it.
✅ Establish succession provisions.
✅ Coordinate your family, business, and charitable objectives.
✅ Review your plan as circumstances change.

At The Marathon Group, we help families and business owners align their wealth strategies with their legacy goals, working alongside estate attorneys and tax professionals.

Give your legacy clear direction.
"themarathongroup.net" (https://themarathongroup.net)

#entrepreneur #wealth #money #family #business by @ricoramirez86

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3 days ago

Purpose. Governance. Impact.

Bill Gates’s publicly disclosed charitable structure shows how clearly defined roles support a shared mission:

The Gates Foundation Trust holds and invests donated assets.

The Gates Foundation uses funding for charitable programs, grants, and strategic investments.

Investment management and foundation governance have distinct responsibilities.

For business owners and families, the planning lesson is practical: define who manages the assets, who makes decisions, and what purpose your wealth should serve.

At The Marathon Group, we help coordinate wealth, legacy, and charitable planning with legal and tax professionals to align your structure with your goals.

This graphic covers the public charitable system, including the foundation’s planned 2045 closure. Private family and estate arrangements are outside its scope.

Start your planning conversation at themarathongroup.net

#entrepreneur #money #family #wealth #business by @ricoramirez86

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4 days ago

Build one strong business. Create a structure that can support many.

Berkshire Hathaway’s holding company model illustrates the value of centralized capital allocation, independently managed businesses, and disciplined reinvestment.

The Marathon Group helps business owners adapt those principles to their own scale by coordinating:

• Holding company and entity planning
• Separate operating, real estate, and investment entities where appropriate
• Cash flow, reserves, and acquisition planning
• Insurance, succession, and optional trust strategies
• Implementation with attorneys, CPAs, and licensed investment professionals

The goal is to connect today’s business success with a plan for expansion, continuity, and the next generation.

Start with your current business. Build the framework for what comes next.

"themarathongroup.net" (https://themarathongroup.net)

Educational illustration. Structure and tax treatment depend on individual circumstances. The Marathon Group is not affiliated with Berkshire Hathaway.

#entrepreneur #money #family #business #wealth by @ricoramirez86

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5 days ago

Your business success deserves a retirement and succession plan.

For business owners with predictable profits, a properly designed 412(e)(3) plan can provide retirement benefits funded by annuities, with optional life insurance within IRS limits. Employer contributions may be tax deductible.

Here’s how it can fit into a coordinated trust structure:

✅ Family trust: Holds eligible business interests and guides ownership succession.

✅ Operating business: Sponsors the pension plan and makes employer contributions.

✅ Qualified pension trust: Holds the insurance contracts for the owner and eligible employees.

✅ Beneficiary trust: May receive permitted death benefits when properly drafted and designated. Plan terms, spousal rights and required distribution rules still apply.

The Marathon Group can help coordinate the process—reviewing business cash flow, comparing carrier options and working alongside your CPA, pension administrator and estate planning attorney to align retirement funding with family goals.

📩 Message “PENSION” to begin a suitability review.
🌐 "themarathongroup.net" (https://themarathongroup.net)

Employee coverage and ongoing funding requirements apply. Retirement distributions are generally taxable. Insurance guarantees depend on the insurer’s claims-paying ability.

#entrepreneur #family #business #wealth #money by @ricoramirez86

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6 days ago

Build a legacy your family can carry forward.

This Rockefeller-inspired planning model connects trusts, business ownership, insurance, and family governance into a coordinated strategy for future generations.

Dynasty trust: Establishes rules for managing assets and supporting beneficiaries.

Holding entities: Organize business, real estate, and investment interests.

Trust-owned life insurance: Can provide liquidity and replenish trust capital when an insured family member passes away.

Family lending: Uses trustee-approved loans with documented terms and repayment obligations.

Governance and philanthropy: Prepare future stewards and align family decisions with shared values.

The strength of the structure comes from how these pieces work together—and how carefully they are funded, administered, and reviewed.

The Marathon Group helps families coordinate wealth strategies and insurance planning with their legal and tax advisors.

Start your family’s legacy conversation:
https://themarathongroup.net

Educational Rockefeller-inspired model; individual structures and outcomes vary.

#entrepreneur #wealth #money #family #business by @ricoramirez86

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7 days ago

🏛️ Your business structure should support the company you’re building.

Apple combines a publicly traded parent company, subsidiaries across jurisdictions, and leadership organized around specialized expertise. This graphic shows selected examples of how those pieces fit together.

For business owners, the takeaway is practical: give every entity and leadership role a clear purpose.

Consider:

✅ Who owns each business and its assets
✅ Which entity conducts operations and signs contracts
✅ How leadership makes and documents decisions
✅ How ownership supports future growth and succession

At The Marathon Group, we help business owners connect entity planning with their financial and succession goals, coordinating with legal and tax professionals to develop an appropriate structure.

Whether you’re launching a company, adding partners, expanding operations, or preparing for an eventual transition, thoughtful planning starts with understanding what you own—and how it all connects.

🌐 "themarathongroup.net" (https://themarathongroup.net)

#TheMarathonGroup #family #business #wealth #money by @ricoramirez86

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8 days ago

Your trust is signed. Now connect your assets to your plan.

Family Trust Series • Part 3: Funding Your Trust

For families building a legacy, the next step is following your attorney’s instructions to align suitable assets with your trust—and confirming each update is complete.

Your checklist may include:

✅ Coordinating appropriate property deeds and non-retirement account ownership changes.
✅ Keeping IRAs and 401(k)s individually titled while reviewing beneficiaries with legal and tax advisors.
✅ Reviewing insurance, annuities and business interests before making changes.
✅ Collecting recorded deeds, accepted forms and institutional confirmations.
✅ Keeping documents accessible to your successor trustee and reviewing the plan after major life changes.

The Marathon Group can help you move through the process. During a live planning session, we can organize your asset inventory, coordinate follow-up with counsel and financial institutions, and track outstanding steps and confirmations.

Start your trust funding review at "themarathongroup.net" (https://themarathongroup.net).

Save this checklist for your next planning conversation.

Legal advice and drafting are provided by licensed counsel. Requirements vary by jurisdiction.

#entrepreneur #business #wealth #family #money by @ricoramirez86

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9 days ago

Turn your family’s wishes into a clear, coordinated plan.

For homeowners, parents, retirees, and families building wealth, trust planning starts with understanding your assets, your priorities, and the people who depend on you.

When a trust is appropriate, these six steps help move the process forward:

✅ Organize your assets and family goals
✅ Choose the structure, trustees, and beneficiaries
✅ Have an attorney prepare the estate documents
✅ Complete the required review and signing
✅ Fund the trust and coordinate beneficiary designations
✅ Verify the details and keep the plan current

The Marathon Group can help you begin during a live planning session. Together, we can map your assets, clarify your wishes, identify planning gaps, and establish concrete next steps.

We then help coordinate the financial follow-through with your estate-planning attorney and tax advisor—including account updates, insurance reviews, and tracking trust funding. Licensed counsel handles legal drafting and advice.

Message “FAMILY TRUST” to start the conversation.
"themarathongroup.net" (https://themarathongroup.net)

Educational information only. Trust suitability depends on your circumstances and applicable law. A revocable trust does not itself provide tax savings or protection from your creditors.

#TheMarathonGroup #family #wealth #lifestyle #money by @ricoramirez86

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10 days ago

The right trust starts with the people it needs to serve.

A homeowner planning for incapacity, a parent supporting a loved one with disabilities, and a business owner preparing to transfer wealth may have very different planning needs.

This graphic highlights 16 common trust structures, their purposes, and the clients they typically serve.

Trust planning can help address:

✅ Probate avoidance and continuity during incapacity
✅ Structured inheritances and support for beneficiaries
✅ Planning for surviving spouses and blended families
✅ Life insurance ownership and estate liquidity
✅ Charitable giving and multigenerational wealth transfers

Choosing a structure means considering your assets, family circumstances, need for control, tax exposure, and the responsibilities of your trustee.

At The Marathon Group, we help connect your wealth, insurance, and legacy goals with planning coordinated alongside your legal and tax professionals.

Message “TRUST” to discuss your planning priorities.

Educational information only. Suitability and benefits depend on individual circumstances, proper implementation, and applicable law.

#TheMarathonGroup #entrepreneur #wealth #family #business by @ricoramirez86

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11 days ago