Limited Spots – Book Now
WhatiFThenWhat.org
Helps protect what you’ve built, grow what you’ve earned, and pass on what matters.
Exclusively for Members Only,
Portal for RCFEXCOOP.org
The Challenge RCFE Owners Face
Running a Residential Care Facility is more than a job—it's a mission. But after years of licensing audits, staffing challenges, and razor-thin margins, one question remains:
"When I'm done caring for others, who will care for me?"
Without the right structure, a single lawsuit, tax hit, or market downturn can erode everything you've sacrificed to build.
Warren Edward Buffett phrased it best, "What If…Then What", his investment philosophy and risk management practices heavily incorporate the idea of considering potential scenarios and their implications.
Introducing the Legacy Shield™ Framework
A comprehensive four-pillar protection system designed specifically for RCFE owners that locks in asset protection, tax efficiency, insurance hedge, and lifetime income security.
LLC Protection
Liability Lock that separates personal assets from facility risks, protecting what you've built from lawsuits and creditors.
Trust Structure
Tax-Smart Transfer mechanism that bypasses probate, potentially reduces estate taxes, and ensures seamless wealth transfer.
IUL Strategy
Tax-Free Retirement fund with built-in life insurance, offering market-linked growth without downside risk.
Annuity Income
Guaranteed Cash-Flow for Life, providing predictable income regardless of market performance.
LLC: Your First Line of Defense
The Liability Lock for RCFE Owners; LLC.
A Limited Liability Company creates a legal barrier between your personal assets and your facility's operational risks.
  • Shields personal property from lawsuits & creditors
  • Flexible tax treatment (pass-through or S-Corp election)
  • Easier transition when adding partners or heirs as members
The perfect foundation for RCFE owners concerned about long-term asset protection.
Trust & IUL: Building Your Legacy
Trust Structure
Whether revocable or irrevocable, a trust ensures your assets transfer seamlessly to heirs while potentially reducing estate taxes.
  • Bypass lengthy probate processes
  • Keep control during your lifetime
  • Create privacy in wealth transfer
Indexed Universal Life
This powerful financial tool combines life insurance with tax-advantaged retirement funding.
  • Tax-deferred growth; tax-free loans in retirement
  • Built-in death benefit for heirs
  • Market-linked growth with downside protection
📊 Summary Comparison: Annuities vs. IUL
Meet Luis Gaurano, Co-Founder – QUALIFIED Coach
Extensive Experience
20+ years operating five (6-bed) & 49-bed facilities, bringing practical wisdom to every coaching session.
Impressive Credentials
MBA Graduate, 1st year Law School, MS in Real Estate Development, building (900+ Homes), and former DSS/CCL Advisory Board Member.
Financial Expertise
Licensed Financial Advisor over 20 yrs., & Insurance Broker in six (6) states, now fully dedicated to mentoring care home owners just like you.