How a Comprehensive Plan Saved This Dublin, OH Couple Thousands in Taxes

When it comes to securing your financial future, simply having a will or trust isn’t enough. A truly effective plan goes beyond just legal documents—it provides clarity, protection, and peace of mind for every aspect of your life and legacy.

At DuPont Law Group, we’ve reimagined estate planning by creating a holistic system that integrates legal, financial, and tax strategies. It’s called the 4D Estate Plan™.

The 4 Parts of the 4D Estate Plan™

1. Document

The first step is creating the essential legal building blocks of your estate plan. This includes wills, trusts, powers of attorney, healthcare directives, and more. These documents are the foundation of your plan, ensuring your wishes are clear and enforceable.

2. Defend

Here, we focus on defending your plan with your assets. This means making sure your property titles, 401(k)s, beneficiary designations, and other accounts are properly structured to avoid costly probate and reduce legal headaches for your heirs.

3. Discover

Financial and tax efficiency are critical—but often overlooked—in estate planning. We collaborate with financial planners to identify areas where you can save on taxes and optimize investment strategies. This step avoids overpaying Uncle Sam and maximizes your legacy.

4. Deliver

Finally, we ensure your plan isn’t a “one-and-done” solution. With a dedicated team and annual reviews, the 4D Estate Plan™ evolves with you. Whether you’re navigating major life events like retirement, marriage, or inheritance, we’ll adapt your plan as your circumstances change.

A Real Story: How the 4D Estate Plan™ Changed Everything for Mike and Linda

When Mike and Linda D. (names anonymized) first connected with our firm eight years ago, it was for a simple estate plan. They had been referred by a mutual acquaintance and needed basic documents — nothing complex.

Recently, when it came time to get serious about their long-term financial future, they turned to us again.

Mike, 51, and Linda, 49, were unsure about their long-term financial future. With no children and a modest but steady financial base of about $600,000 in assets, they wanted a simple, stress-free way to secure their future retirement and legacy.

Their financial picture included:

• Traditional 401(k) funds

• Roth 401(k) assets

• A lump-sum pension option

• Cash sitting idle in a money market account

What they didn’t have was a cohesive strategy to tie everything together. That’s where the 4D Estate Plan™ delivered.

Step 1 – Document

We updated the foundational documents Mike and Linda needed, including a trust and healthcare directives. This ensured all their wishes were legally documented.

Step 2 – Defend

We realigned their accounts—such as titling property directly into the trust—so everything was protected from probate. This step alone will save their heirs time, money, and stress in the years ahead.

Step 3 – Discover

The financial planning part of our engagement focused on three priorities:

1. Lock in guaranteed income streams (so they won’t outlive their money)

1. Preserve principal while supporting long-term growth

1. Build in tax efficiency with income diversity

Mike and Linda took advantage of:

1. Three fixed indexed annuities with lifetime income riders for principal protection and predictable retirement income (one of these annuities was funded with Roth dollars  — ensuring that roughly 37% of their future income will be tax-free)

1. A growth-focused equity fund allocation using part of their idle cash to reintroduce growth potential

No taxes were triggered during this transfer process.

Step 4 – Deliver

We structured their retirement income streams, ensuring principal protection and consistent growth potential.

The best part? Their plan will be regularly reviewed, adapting as they prepare for upcoming milestones.

Mike summed it up best when he said, “We’ve spent years worrying about whether we were doing enough. Now we don’t have to worry at all.”

How the 4D Estate Plan™ Benefits Ohioans

Our 4D Estate Plan™ isn’t just about documents—it’s about creating a fully integrated system that protects your family, your finances, and your peace of mind. Here’s what sets it apart from outdated, transactional approaches:

Comprehensive Coverage

The 4D Estate Plan™ leaves no stone unturned. Whether you need a basic will or advanced tax strategies, our framework streamlines every detail.

Tax Minimization

Don’t hand over more money to taxes than necessary. By aligning legal, financial, and tax expertise, we help to keep more money in your family’s hands.

Proven Asset Protection

From funding a trust to updating property titles, we ensure your assets are safeguarded against probate battles, lawsuits, and unnecessary red tape.

Lifetime Adaptability

Life changes, and so should your plan. The 4D Estate Plan™ includes regular updates to ensure your strategy always reflects your goals.

Efficient Process

With most plans completed in just two meetings, we’ll have you on the path to protection and peace of mind in no time.

Who Can Benefit from the 4D Estate Plan™?

The 4D Estate Plan™ is ideal for families, retirees, and individuals in the Central Ohio area who want to prevent complications and secure their legacy. Whether you’re a young family, navigating retirement, or managing an inheritance, DuPont Law Group’s proven system delivers a customized plan to suit your needs.

Take the First Step

Don’t leave your family’s future to chance. With the 4D Estate Plan™, you can rest easy knowing your legacy is secure—because estate planning shouldn’t just solve today’s problems; it should protect tomorrow’s possibilities.

Call DuPont Law Group today at 614-408-0529 to schedule your consultation and transform uncertainty into peace of mind, just like Mike and Linda.