Deluctus Insurance &
Financial Services

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Tax-Free & Tax-Efficient
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Deluctus Insurance &
Financial Services

Deluctus Insurance & Financial ServicesDeluctus Insurance & Financial ServicesDeluctus Insurance & Financial Services
Home
Our Mission
Our Expertise
Our Process
Strategic Retirement Plan
Living Benefits
Mortgage Protection
Final Expense
College Funding
Debt Elimination
Business Preservation
Business Strategy
Business Optimization
Business Debt Reduction
Key Person & Partnership
Executive Benefits
Non-Profit Financial
Tax-Free & Tax-Efficient
Non-Profit Staff Benefit
For-Profit Business
Charitable Remainder
Planned Giving
More
  • Home
  • Our Mission
  • Our Expertise
  • Our Process
  • Strategic Retirement Plan
  • Living Benefits
  • Mortgage Protection
  • Final Expense
  • College Funding
  • Debt Elimination
  • Business Preservation
  • Business Strategy
  • Business Optimization
  • Business Debt Reduction
  • Key Person & Partnership
  • Executive Benefits
  • Non-Profit Financial
  • Tax-Free & Tax-Efficient
  • Non-Profit Staff Benefit
  • For-Profit Business
  • Charitable Remainder
  • Planned Giving
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  • Home
  • Our Mission
  • Our Expertise
  • Our Process
  • Strategic Retirement Plan
  • Living Benefits
  • Mortgage Protection
  • Final Expense
  • College Funding
  • Debt Elimination
  • Business Preservation
  • Business Strategy
  • Business Optimization
  • Business Debt Reduction
  • Key Person & Partnership
  • Executive Benefits
  • Non-Profit Financial
  • Tax-Free & Tax-Efficient
  • Non-Profit Staff Benefit
  • For-Profit Business
  • Charitable Remainder
  • Planned Giving

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Charitable Remainder Trusts & Tax-Advantaged Legacy Planning

Multiply Your Impact. Minimize Your Taxes. Leave a Legacy That Outlives You.

Donors want to give generously—but not irresponsibly.


Families want to create legacy without sacrificing financial security.


And non-profits need long-term, reliable giving.


Charitable Remainder Trusts (CRTs) accomplish all three.


A CRT allows you to:

✔ reduce capital gains
✔ eliminate estate taxes
✔ create lifetime income
✔ bless the organizations you love
✔ protect family wealth
✔ avoid massive IRS burdens


It’s the strategy wealthy families use to create powerful impact with minimal sacrifice.

Charitable Planning Should Benefit BOTH You and the Mission

Most people think charitable giving means “give money away and lose access.”


Not with CRTs.


With DeLuctus-designed Charitable Remainder Trusts (CRT) strategies:

✔ You receive income for life
✔ You receive tax deductions immediately
✔ You avoid large capital gains
✔ Your charity receives the long-term benefit
✔ Your heirs can receive wealth replacement through life insurance


Everyone wins.

Our Charitable Solutions Include:

  • Charitable Remainder Trusts (CRTs)
  • Charitable Lead Trusts (CLTs)
  • Wealth-replacement life insurance
  • Charitable gift annuities
  • Tax-advantaged donation strategies
  • Advanced estate planning for high-net-worth donors

Your Legacy Should Extend Beyond Your Lifetime

We help you give more, save more, and impact more—without losing the wealth your family 

depends on.


Generosity becomes a strategy, not a sacrifice.

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