Estate Planning
Your Home Could Help Protect Your Family
You may have spent years building equity in your home. Discover how that value could provide immediate financial support for the people you love most - right when they need it.
A Valuable Estate Isn't Always Immediately Accessible
Your home, retirement accounts, and investments may represent significant wealth. But wealth on paper and cash in hand are two very different things. When a loved one passes, transferring or settling assets can take weeks, and sometimes months. Bills don't pause for estate proceedings.
What Your Family May Be Waiting For
Property Sale or Transfer
Real estate takes time to list, negotiate, and close. This can take up to 30–90+ days.
Retirement Account Distribution
Account transfers and beneficiary processing involve paperwork and waiting periods.
Estate Settlement
Probate and legal proceedings can delay access to inherited assets for months or longer.
The Costs That Can't Wait
🪦 Final Expenses
Funeral and burial costs, often thousands of dollars, due immediately.
🏠 Household Bills
Mortgage, utilities, and insurance don't stop during bereavement.
⚖️ Legal & Admin Costs
Estate attorneys, court filings, and fees add up quickly.
👶 Care for Dependents
Children, elderly relatives, or pets may require immediate care and funding.
Without a plan, loved ones may need to resort to credit cards or rushed financial decisions during an already difficult time.
The Solution
Introducing the Beneficiary Liquidity Plan + POINT
A Beneficiary Liquidity Plan bridges the gap between the moment of loss and the moment estate assets become accessible. For eligible homeowners, POINT offers a way to fund that plan using home equity already built - no monthly payments, no need to sell.
Your Home Equity as a Planning Tool
Most homeowners have spent years building equity and have real value locked inside the home. POINT offers eligible homeowners access to a portion of that equity today, without selling or taking on monthly loan payments.
The POINT Home Equity Investment
POINT provides an upfront lump sum in exchange for a share of the home's future appreciation. It is not a traditional loan - there is no required monthly payments during the term. Repayment typically occurs in a single lump sum when the home is sold, refinanced, or the term ends.
Key Advantages
Why Consider POINT?
Designed differently from traditional borrowing - for eligible homeowners, it may offer a more flexible way to access the value already built into their home.
No Additional Required Monthly Payment
Unlike a home equity loan or HELOC, POINT does not create a new monthly obligation. Repaid in a single lump sum, often when the home is sold or refinanced.
You Continue to Own and Control Your Home
POINT is not a co-owner. You continue living in, managing, and maintaining your home exactly as you do today.
Flexible Repayment Timing
You can generally settle during the agreement term. Typically when you sell, refinance, or choose to buy POINT out.
Alternative to Depleting Savings
Eligible homeowners may use a portion of their home equity rather than liquidating cash reserves or other investments.
Broader Qualification Considerations
POINT focuses heavily on the home and available equity, though credit, property, title, and lien conditions still apply.
Turn Equity Into a Living Planning Tool
Use a portion of your home's value today to strengthen the legacy you plan to leave tomorrow.
Don't Wait
The Best Time to Plan Is Before Your Family Needs the Money
Planning today can help your loved ones avoid searching for money during one of the most difficult moments of their lives.
Is This Strategy Right for You?
You Own a Home with Available Equity
You've built meaningful equity and would like to put a portion to work now.
You Want to Establish a Beneficiary Liquidity Plan
Your family may need immediate cash access, not just inheritable assets.
You Prefer Not to Deplete Cash Today
You'd rather preserve savings and liquid assets rather than fund the plan upfront.
You Don't Want Another Monthly Payment
POINT's structure: no required monthly payments may be a more manageable option than traditional borrowing.
Schedule Your Beneficiary Liquidity Review
Connect with your advisor to explore whether this strategy is right for your family and your legacy goals.
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Important Disclosures
A POINT Home Equity Investment is not a traditional loan. In exchange for upfront funds, POINT receives an agreed-upon interest in the home's future value or appreciation. Fees, closing costs, eligibility requirements, and other terms apply. POINT is available only in eligible geographic areas for qualifying properties and homeowners.
The Beneficiary Liquidity Plan and POINT Home Equity Investment are separate products. This brochure is for educational purposes only and is not an offer, legal advice, tax advice, or a recommendation to enter into any specific financial transaction. Consult your financial, legal, and tax professionals before proceeding.