Wealth Transfer Strategies for High-Net-Worth Families in Arkansas | Louisiana | Texas | Florida | Georgia | Oklahoma
The Rockefeller Waterfall Method
The Rockefeller Waterfall Method: A Modern Approach to Generational Wealth
At SSG Companies, we help high-net-worth families across Louisiana and the Gulf South design plans that do more than transfer wealth—they preserve it for generations. Building true generational wealth takes more than savings—it requires strategy, foresight, and a structure that can grow stronger over time. The Rockefeller Waterfall Method is a strategy inspired by enduring family legacies, using trusts, life insurance, and disciplined planning to ensure assets are protected, replenished, and passed on with purpose.
If your goals include supporting future generations, avoiding unnecessary taxation, and creating a structure that lasts, this method offers a smart, scalable framework.
Built to Last: What Is the Rockefeller Waterfall Method?
The Rockefeller Waterfall is more than a financial strategy—it’s a mindset. It blends legal, financial, and family governance tools to build a self-sustaining system that protects wealth while empowering heirs.
How It Works
A SIMPLIFIED BREAKDOWN:
How the Method Works
Life Insurance as a Wealth Engine: Permanent life insurance creates both a death benefit and a growing cash value that can be accessed like a family bank.
Tax Advantages: Cash value growth and death benefits are structured to be income tax-free, making this one of the most efficient ways to transfer wealth.
Family Banking Concept: Families can borrow against the policy to fund education, investments, or retirement—while keeping money working in the market.
Estate Planning with Trusts: By holding policies in trusts, families maintain control, reduce estate taxes, bypass probate, and protect assets for future generations.
The Generational “Waterfall”: Wealth flows from one generation’s trust to the next, creating a continuous cycle of tax-advantaged growth and inheritance
Why It Matters
This approach not only safeguards a family’s financial foundation but also ensures that wealth continues to serve children, grandchildren, and beyond. It’s the same type of planning the Rockefeller family used to establish one of the strongest financial legacies in history.
Designed for Your Family, Not the Textbook
At SSG Companies, we don’t believe in cookie-cutter plans. Every family we serve—from energy business owners in East Texas to agricultural landholders in southern Arkansas—has a different set of goals, personalities, and priorities.
We help you design your own version of the Rockefeller Method—one that reflects your vision, serves your heirs, and withstands the test of time.
Want to See the Waterfall in Action?
Request a copy of It’s Your Moneyby John G. Griffin or schedule a consultation to explore how we tailor this strategy for clients with $30M+ in assets and complex family dynamics.
Let’s Build a Legacy That Lasts
If you’re ready to create a family structure that grows stronger with each generation, we’re here to guide the process. Let’s talk about how the Rockefeller Waterfall Method could work for you.