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The Power of Estate Planning - Secvolt

The Power of Estate Planning: Strategies for Protecting and Transferring Wealth to Future Generations

Estate planning is the process of arranging for the transfer of an individual’s assets and properties after death in a way that complies with their preferences while minimizing taxes and legal problems.

Estate planning is important because it helps ensure that an individual’s assets and properties are distributed according to their wishes and that their loved ones are cared for after their passing. It can also help minimize taxes and legal complications, saving the beneficiaries time and money. Without proper estate planning, the distribution of assets may be subject to state laws, which may not align with the individual’s wishes and can cause unnecessary stress for the family members left behind.

In this blog, we will explore the importance of estate planning and the various strategies that can be used to protect and transfer wealth to future generations. We will delve into the tax implications associated with estate planning and discuss how individuals can minimize taxes and legal complications. Additionally, we will examine a real-life case study of successful estate planning implementation, highlighting the key lessons learned from this experience. By the end of this blog, you will better understand the power of estate planning and how it can help ensure that your assets are distributed according to your wishes while minimizing taxes and legal complications for your loved ones. So, let’s dive in!

Let us first see the strategies to conserve and transmit riches to future generations. 

Ways to Protect and Transfer Wealth to the Future Generation

Ways to Protect and Transfer Wealth to the Future Generation


Estate planning entails passing wealth to the next generation and safeguarding it for their future benefit. Following are some points to consider while protecting and transferring wealth to future generations:

  • Have a Will or Trust for Wealth Transfer- Make a will or a trust to specify how you want your possessions transferred after your death. According to a caring.com poll, just 32% of American adults have a will or other estate planning paperwork in place.
  • Transfer Assets to Reduce Taxable Estate- Consider transferring assets to your children or grandkids throughout your lifetime to decrease your taxable estate. The gift tax exclusion level for 2021 is $11.7 million per individual, which means you can donate up to this amount without incurring gift taxes.
  • Get Life Insurance- Life insurance offers financial security for your loved ones after you die. Life insurance can give tax-free income to your beneficiaries, and the death benefit usually is not taxable.
  • Use Estate Planning Mechanisms- Use estate planning mechanisms such as limited family partnerships or charitable trusts to transmit money to future generations while minimizing taxes. 
  • Consider Family-Limited Partnerships- A family-limited partnership can secure assets and transmit money to future generations while lowering estate and gift taxes. In 2021, the yearly gift tax exemption for transfers to family members through a family limited partnership was $15,000 per beneficiary.
  • Seek Professional Advice- Consult with a financial advisor or an estate planning attorney to ensure your plans are legally sound and correspond with your overall financial goals.

While estate planning can help protect and transfer wealth to future generations, it’s essential to be aware of the various tax implications that can arise in the process. So let’s talk about them in the next part. 

Various Tax Implications Associated with Estate Planning

Various Tax Implications Associated with Estate Planning


Following are some points to keep in mind regarding the tax implications of estate planning:

  • Estate Taxes- If the estate’s value exceeds specific criteria, estate taxes may apply to the transfer of assets after death. The federal estate tax exemption limit is $11.7 million per person, while several jurisdictions have lower estate tax thresholds.
  • Gift Taxes- Gift taxes may be imposed on lifetime gifts over the yearly gift tax exclusion threshold. The yearly gift tax exclusion level is $15,000 per recipient. However, some types of donations, such as those provided for medical or educational purposes, are exempt.
  • Income Taxes- When certain assets, such as retirement accounts or investment properties, are transferred to heirs, income taxes may be owed.
  • Capital Gains Taxes- When assets are sold, capital gains taxes may be required, reducing the estate’s overall worth. Capital gains taxes can be avoided or reduced by employing tactics such as stepped-up basis or charitable contributions. The top federal income tax rate on long-term capital gains and qualifying dividends is 20%.

Proper estate planning can assist in reducing these taxes and guarantee that more assets are handed down to future generations. Understanding the numerous tax consequences involved with estate planning is critical for successful implementation, as seen in the following case study of a well-executed estate plan. 

Case Study~ The Johnson Family's Successfully Implemented Estate Planning

Case Study~ The Johnson Family’s Successfully Implemented Estate Planning

The Johnson family had been in the business of manufacturing construction materials for over three generations. With each passing year, their wealth grew, and they became increasingly concerned about preserving their assets for future generations. They consulted an estate planner and developed a strategy for setting up a family limited partnership and a charitable foundation.

The family limited partnership allowed the Johnsons to transfer their business assets to their children and grandchildren without incurring estate or gift taxes. This helped reduce their taxable estate by approximately $5 million, which allowed them to pass on more of their wealth to their heirs.

Additionally, the Johnsons set up a charitable foundation, allowing them to make significant philanthropic contributions while receiving tax benefits. By donating a portion of their wealth to the foundation, the Johnsons were able to reduce their taxable income, which saved them approximately $1.5 million in taxes.

Overall, the Johnsons’ estate plan was successful in protecting and transferring their wealth to future generations. By implementing these strategies, they were able to reduce their estate and gift taxes while also making a positive impact on their community through their charitable contributions.

Thus, Johnsons is a classic example of a successfully implemented estate planning strategy. In the final section, let us look at another alternative that is also helping its clientele have a long-lasting legacy.  

The Bottom Line 


Estate planning ensures that an individual’s assets and properties are distributed according to their wishes while minimizing taxes and legal complications for their loved ones. Strategies for protecting and transferring wealth to future generations include making a will or trust, transferring assets during one’s lifetime to reduce the taxable estate, using estate planning mechanisms such as family partnerships or charitable trusts, and seeking professional advice. Understanding the various tax implications of estate planning is essential, including estate taxes, gift taxes, income taxes, and capital gains taxes. Proper estate planning can reduce these taxes and ensure more assets are passed down to future generations. A successful estate planning case study is presented, where the Johnson family used a family limited partnership and a charitable foundation to reduce their estate and gift taxes while also making a positive impact on their community through their charitable contributions.

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Ashish Verma

Ashish Verma is the founder and CTO of Secvolt, with close to 10 years of experience in the IT industry. He has been the technical backbone of the company and has worked tirelessly to make the technical infrastructure robust. He is a passionate entrepreneur who generates solutions that have the potential to bring change.

In order to ease the client’s interaction with Secvolt, he has strived to develop the business’s technological foundation and establish a user-friendly platform. Ashish has also contributed substantially to smoothening the company’s administration and ensuring that there are no lacunae in the broad structure of the organization. 

Early Years

Coming from a middle-class family, he was aware of the problems that people faced while using technology. He sought to create something that was simple to use yet had a powerful effect. As he studied computer science, he became eager to offer a solution to real issues. He began his professional career at Amdocs, where he gained expertise in client management while catering to more than 20 clients. Later, he moved to Citicorp, where he had exposure to the investment industry. His time at Amdocs and Citi enabled him to produce high-standard, efficient, and scalable technical infrastructure.

He left corporate jobs for his startup because he was passionate about working on the concept of a smart city platform. He expanded the concept internationally and even collaborated with Global Dignity-Kuwait. Things didn’t work out for him the first time. He states, “My failures didn’t stop me from experimenting and trying new things.” He rose from the ashes like a phoenix and founded FewerClicks, an End to End IT solution company.

He worked on the creation of Solster Finance, a decentralized financial platform based on the Solana blockchain. He created this platform single-handedly which has helped the team raise a $1M investment and a revenue of more than $5M within 6 months of launching. 

He has previously worked on many blockchain technologies and cryptocurrency ventures, which include Decentralized Finance Applications (Defi), Decentralized Applications (Dapps), File Contracts (SIA, record-keeper), Smart Contracts (rust, solidity), and NFT Development. His experience and effective communication have helped many team members understand Secvolt effectively and the underlying technology it is powered by.

He possesses the ideal combination of strategic thinking and excellent business insight. He is responsible for formulating technical aspects of the company’s strategy to guarantee alignment with business objectives. With his drive to experiment with new technologies, he has helped Secvolt achieve a competitive edge. Being in charge, Ashish never holds back in encouraging the different departments to make profitable use of technology, helping to grow as an unstoppable team at Secvolt!

Hanif Shaikh

Hanif Shaikh is the founder and CMO of Secvolt, with over 8 years of experience in the industry. He plays a crucial role when it comes to the growth of Secvolt. Since the beginning, he has acted as a mentor for each and every employee of the company, and he makes an effort to be accessible to his staff anytime they need him. 

Hanif first entered the Blockchain and Crypto world in 2016, and nothing has stopped him since. He views blockchain as a transparent platform that provides authority and accountability back to the people. He consistently believes that “overcommunication is better than miscommunication.” He has lived by this motto with his staff, clients, and networks.

Early Years

Hailing from Gujrat, a state in India, he is following his dream to contribute to making this world a better place. In the process, he has struggled, made some mistakes, and learned lessons from those mistakes to achieve success in life. His entrepreneurial attitude dates back to his childhood when he learned from his father’s business and aspired to have it all. He came from a humble background and had ambitions to succeed in life.

He has developed two successful businesses from scratch, and in the process, he has inspired young people to start their own businesses. He was an integral part of the Quora Mumbai Meetups and helped it become a great success in a short period of time. Later, he began organizing meetups to raise awareness about blockchain, cryptocurrencies, and their applications. He also shared his knowledge of ICOs, highlighted reputable ICOs, and established a small cryptocurrency community on WhatsApp groups.

He chose to go on a Blockchain Tour in India in 2019 and met some fascinating people. Throughout his journey, he has been able to build an extensive and robust network that has aided Secvolt’s growth. Because of his expertise and understanding of the Crypto Industry, he has been featured on several news channels and has advised the youth on the subject.

He is in charge of the company’s marketing operations and is responsible for developing its marketing strategy and vision. He oversees a group of passionate marketing professionals and plans promotional strategies with the goal of making  Secvolt a global brand. 

He is a perfect blend of a practical attitude and innovative business acumen. He believes in the ability of individuals to perform exceptionally well when given an environment to experiment and explore their passions; a culture that he has built at Secvolt.

Divakar Choudhary

Divakar Choudhary is the founder and CEO of Secvolt who has been trading for more than six years now. He started the business in 2018 with the conviction that if anybody could dominate the market, it was him. He poured all of himself into the business and turned Secvolt into a market-beating machine.

Divakar developed the fundamental quant models that perform risk management and capture alpha using his skills from the previous organization and his time spent in the market. In order to make the system effective, he backtested risk mitigation algorithms and worked on them for more than 4 years to produce results.

Early Years

He began his crypto journey in 2013 after getting his first gaming Laptop and melded in with the Blockchain community like sunbeams on the ocean. He created many YouTube channels at the age of 15 and businesses by the time he was 17. Technology has always piqued Divakar’s interest. He endeavored and succeeded at freelancing in his effort to achieve financial independence. However, he soon realized that freelancing would always keep him in the rat race, and the only way out would be to build a machine yielding generational wealth.

Soon, he started trading using his own capital but suffered a loss in the market. He says, “95% of people lose money & the rest 5% make money from the loss of those 95%.” He then began working on an effective technique to be included in this 5% after losing part of his own assets during the early stages of trading. He began evaluating quant strategies using statistical models.

With his methodology, he once produced a 20% ROI in a single month. With the zeal of creating something exceptional, he borrowed money from friends and family and generated decent returns for them using primitive quant models. Month after month, the system’s efficiency and the competence of the man behind it allowed for excellent market returns.

In the beginning, Divakar worked on his laptop for over 18 hours. It took every ounce of his energy as he executed about 530+ deals daily for 4 years to create this company from the ground up. In 2021, he increased his volume by 827%, trading a total of $52 million and hitting a single account.

In his words-

“What does becoming “THAT” GUY mean to you? Who did you need when you were young? Be that person!”

He is a perfect example of someone who followed his passion and made a fortune from it! He dreamt of creating generational wealth as a youngster, envisioned it as an adult, and is now making it a reality with Secvolt!