Makes Life Sales Easy
Whether you're positioning life insurance or a life/Roth blend, Legacy Done Right shows a clear, straight-forward analysis of the extra legacy your recommendation can generate.
Software
Legacy Done Right
IRAs are an inefficient way to pass legacy to the next generation. With Legacy Done Right, your client gets a clear, visual report showing the value of leveraging life insurance and even Roth accounts into their legacy planning. No jargon, just numbers that matter, presented to drive informed decisions.
With Legacy Done Right, You Can…
Enter tax assumptions and your chosen legacy structure. The software will generate a life insurance structuring guide for you, and a powerful strategy analysis for your client comparing their IRA to your recommended approach.
Legacy Done Right reports include
IRA vs. Tax-Free Account
Total after-tax legacy heirs can receive under current estate plan, vs. alternative life and Roth scenarios
Tax Analysis
Total taxes paid if keeping the IRA, reallocating to life insurance, or blending a Roth conversion with life insurance
IRMAA Surcharge Impact
Total IRMAA surcharges under IRA and tax-free scenarios
Break-Even Analysis
Year-by-year data for each account
Tax Change Modeling
The impact of Widow’s Penalty, 10-Year Tax Trap and other tax-bracket changes
Roth / Life Blend
Ability to blend life insurance and Roth accounts into a single client strategy
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Why Advisors
Choose Legacy
Done Right
Optimizes Life Structure
for Your Client
Legacy Done Right helps you maximize legacy values by analyzing the best life insurance structure to drive results.
Real Advisors. Real Results.
See how advisors are using Stonewood software to win larger cases and deliver better outcomes for their clients.
An advisor was working with a prospect who was a real "do-it-yourselfer" when it came to Roth conversions. The client was converting assets up their existing tax bracket – and hadn't considered any impact to IRMAA.
With Roth Done Right, the advisor was able to show an alternate pattern that sped up the conversion to 6 years. The new structure offered $30,000 savings in conversion taxes – a 20% reduction on the prospect's conversion tax bill. The report also showed hundreds of thousands of dollars in long-term tax and IRMAA savings from the converted assets – an amount the prospect hadn't been able to quantify on his own.
Outcome
A new client with $1M in new AUM, and a $1M FIA sale to fund the conversion process.
An advisor was working with a prospect who already had assets with Ken Fisher. Fisher's team presented a 5% systematic withdrawal projection, so the advisor needed a stronger way to frame the income conversation.
Using the Annuity Alpha report, the advisor showed how an annuity could deliver over 8% in annual cash flow with lifetime income, plus a long-term care doubler. The contrast was clear enough that the prospect moved forward.
Outcome
$1.5M placed and a $100K commission.
An advisor was working with a 58-year-old couple with an established, well-funded retirement income plan, leaving an additional $3M IRA to build out a legacy for the kids. The couple's existing advisor had no real additional plan for this money, other than to keep it in their managed account and grow that money as much as possible for the kids.
Using the Legacy Done Right report, the advisor showed the need for tax planning on this $3M IRA. According to the advisor, the simple analysis "opened up the wallet" to the Roth conversion story. The advisor then used the blended Roth/Life feature in the report to show a blend of Roth Conversion assets with some Life Insurance to help maximize the client’s legacy.
Outcome
$3M in motion. The advisor picked up a $1.5M FIA sale that will be converted to Roth. And the advisor also sold a 5-Pay Protection focused IUL policy at $225,000 of premium per year.
An advisor group incorporated the Total Tax Burden report into the strategy presentation for all new prospects. They ran the tax snapshot for every new client as part of their first meeting conversation, quantifying the growing tax burden of IRA money – and illustrating the kinds of tax savings possible when working with their firm.
Starting in January of 2023, this simple analysis was presented to every single prospect who walked in the door. The goal was to differentiate their practice and drive overall revenue growth through various Roth conversion strategies.
Outcome
From 2022 to 2025, new annual AUM rose from $5M to $50M. Annual FIA sales rose from $3M to $35M. And annual life premium rose from $50K to $1M.
How Advisors Use Legacy Done Right
High-Net-Worth Client Meetings
Show your client how to reduce taxes and IRMAA - for themselves and their heirs. Legacy Done Right puts life-based legacy plans into action.
Annual Reviews
Open the tax and legacy conversation with annuity and AUM clients to increase wallet-share and deliver higher value.
Centers of Influence Marketing
Share the report with CPAs and tax attorneys to increase referrals and build confidence in your practice’s legacy approach.
Pricing &
Getting Started
Legacy Done Right is available exclusively through Stonewood’s Premium+ Membership ($329/mo). Membership includes team licenses, coordinated marketing tools, 1:1 coaching, and both live and on-demand training.
Premium+
All Access
$329 /mo*
or $3,200/year SAVE 20%
Roth Done Right Software
Legacy Done Right Software
Annuity Alpha Software
Total Tax Burden Software
Retirement Tax Bill Lead Gen
All Marketing Toolkits
All Training Libraries & Resources
Access to Stonewood's complete suite of tools & software
*Monthly pricing includes a one-time set-up fee of $329
Frequently Asked Questions
Can I blend life insurance and Roth strategies in the report? −
Yes. Legacy Done Right allows you to compare your client’s IRA to a life insurance policy, or a blended strategy using life insurance and Roth accounts.
Is Legacy Done Right suitable for clients below the estate tax threshold? +
Absolutely. Legacy planning covers inheritance projections, gifting strategies, and beneficiary planning for clients at any wealth level. If your client has funds in an IRA or 401(k), Legacy Done Right can help.
Does Legacy Done Right work with different life structures? +
Yes. Whether you’re recommending a limited pay, lifetime pay or alternate life insurance structure, the Legacy Done Right report will evaluate the total after-tax wealth your client can generate.