Emma’s Living Legacy

At 67, Emma had three grandchildren under 10 — and a concern. “I don’t think their parents will teach them about money,” she confided in her SaferWealth advisor.

Emma had watched her son and daughter-in-law struggle to stay afloat, often relying on credit. So, instead of leaving them a large lump sum in her will, she chose a life annuity with a twist.

She set up the annuity to pay a modest monthly amount for each grandchild, deposited into education savings accounts. She added a clause that would increase the benefit if the funds were used for post-secondary education, trade school, or even starting a business but not for consumer spending.

Spacious backyard serving as a calm space for thoughtful discussions about financial literacy.

The result? Her grandchildren grew up knowing their grandmother was still investing in their growth. They learned patience, budgeting, and how to match long-term goals with long-term funding.

And when Emma passed away in her early 80s, her strategic legacy plan continued without interruption teaching her family the value of planning over impulse.

Start early with a SaferWealth Advisor.