Build
Develop strategies around accumulation and long-term financial growth.
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WealthProtectionLegacyTrust
Build wealth.Protect what matters.Create legacy.
Truth Legacy Strategies helps individuals, families, entrepreneurs, executives, and organizations develop strategies designed to protect income, preserve wealth, and create long-term financial legacies.
20+
Years Experience
$1B+
Assets Protected
3,000+
Professionals Mentored & Led
Figures as reported by Truth Legacy Strategies.
Our Philosophy
Three movements of a lasting plan
Protect
Protect income, families, businesses and important financial relationships.
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Transfer
Prepare wealth to move efficiently from one generation to the next.
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Who We Serve
Planning shaped around your world
Every client carries different responsibilities. Select a profile to see the priorities we most often help with.
Families
Protecting the people who depend on you and planning for what comes next.
- Replacing income if a parent passes away or cannot work
- Paying off a mortgage and other debts
- Funding education and long-term goals
- Preparing assets to pass to children and grandchildren
Entrepreneurs & Business Owners
Protecting the business you built and the people who help it run.
- Keeping the business running if an owner or key person is lost
- Funding an agreement between co-owners
- Planning a future sale or succession
- Separating personal and business risk
Executives & Professionals
Making a high income work harder and protecting it along the way.
- Protecting a high income against illness or injury
- Saving for retirement beyond employer plan limits
- Understanding executive benefit options
- Coordinating bonuses and savings with a long-term plan
Creators & Entertainment Professionals
Planning for project-based income and a career built on your name.
- Smoothing out uneven, project-based income
- Protecting earning power tied to one person
- Key person coverage for productions and ventures
- Building long-term assets beyond the next project
Investors & Capital Partners
Bringing protection and liquidity planning into capital strategies.
- Protecting investments that depend on founders or talent
- Planning liquidity for estate costs and transfers
- Coordinating insurance with trusts and entities
- Reviewing protection across a portfolio
Strategy Library
Strategies, explained plainly
Twenty core strategies across four areas. Select any card for a short explanation, who it is often for and the questions worth asking.
Approaches focused on growing savings and turning them into dependable income over time.
4 strategies · Select a card to learn moreIn plain terms
A retirement income strategy is a plan for replacing your paycheck once you stop working. It looks at every source you may have, such as Social Security, pensions, savings accounts and insurance products, and organizes them so income arrives steadily and is designed to last as long as you need it.
Often considered by
- People within 10 to 15 years of retiring
- Anyone unsure how to draw down their savings
- Households without a pension
Questions to ask
- How long does my income need to last?
- What happens to my plan if markets fall early in retirement?
- How will inflation and taxes affect what I actually receive?
Educational overview only. Suitability depends on your circumstances, underwriting and product terms.
In plain terms
An annuity is a contract with an insurance company. You pay money in, all at once or over time, and in return the company can pay you income later, in some cases for the rest of your life. Common types are fixed, fixed indexed and variable annuities, and each has different features, costs and levels of risk.
Often considered by
- Pre-retirees who want a predictable income floor
- People concerned about outliving their savings
- Savers looking for tax-deferred growth
Questions to ask
- How long is the surrender period, and what does it cost to leave early?
- What fees and rider charges apply?
- Which features are guaranteed? Guarantees depend on the financial strength of the issuing insurer.
Educational overview only. Suitability depends on your circumstances, underwriting and product terms.
In plain terms
Some permanent life insurance policies build cash value alongside the death benefit. Over time, that value may be available through policy loans or withdrawals for goals like supplementing retirement. Loans and withdrawals reduce the cash value and death benefit, and the policy must stay properly funded to remain in force.
Often considered by
- People who want lifelong coverage
- Those who have maximized other savings options
- Business owners planning for future liquidity
Questions to ask
- What are the total policy costs, especially in the early years?
- How much premium keeps the policy in force?
- How would loans affect the death benefit?
Educational overview only. Suitability depends on your circumstances, underwriting and product terms.
In plain terms
Different accounts are taxed differently: some now, some later, and some potentially not at all when the rules are followed. Tax-efficient planning looks at where your money sits and how it will be withdrawn so more of it may keep working for you. We coordinate with your CPA or tax advisor, who should confirm any tax decisions.
Often considered by
- High earners
- People with savings spread across many account types
- Business owners and the self-employed
Questions to ask
- What mix of taxable, tax-deferred and tax-free savings do I have?
- In what order should I draw from my accounts?
- Has my tax professional reviewed this plan?
Educational overview only. Suitability depends on your circumstances, underwriting and product terms.
Two Divisions · One Platform
One strategy. Multiple layers of protection.
Truth Legacy Strategies protects the financial side of life and business. Truth Legacy Business Solutions, our commercial insurance division, protects operations, property and projects.
Financial / Life Risk
Truth Legacy Strategies
Protecting income, families, owners and the value a business depends on.
- Life Insurance
- Key Person Protection
- Legacy Planning
- Retirement Strategies
- Business Continuation Strategies
Operational / Property & Casualty Risk
Truth Legacy Business Solutions
Protecting operations, property, employees and projects.
- General Liability
- Business Owners Policies
- Workers’ Compensation
- Commercial Property
- Commercial Auto
- Professional Liability
- Entertainment & Production Insurance
The Truth Approach
Five steps. One clear plan.
A consistent process keeps every recommendation tied to your goals, not to a product.
- 01
Understand
Understand the client’s priorities, responsibilities, financial position and goals.
- 02
Analyze
Identify potential risks, protection gaps and opportunities.
- 03
Design
Develop strategies around the individual’s circumstances and objectives.
- 04
Implement
Present appropriate solutions and coordinate applications or financial implementation.
- 05
Review
Revisit strategies as finances, businesses, families and objectives change.
Executive & Strategic Partnerships
Strategies built for more than individuals.
We work with organizations, advisors and capital partners who want protection planning built into what they do.
Creator & Entertainment Partnerships
Working with creators, talent and production companies on the financial protection needs that come with project-based work.
Business & Corporate Partnerships
Key person, buy-sell and executive benefit strategies for companies and their leadership teams.
Professional Referral Partners
Collaboration with CPAs, attorneys and advisors who want a protection specialist working alongside their clients.
Institutional & Capital Partners
Protection and liquidity considerations for funds, lenders and capital providers backing people-dependent ventures.
Truth Legacy Strategies × IWP
Protecting the people behind the production.
Truth Legacy Strategies works alongside the IWP ecosystem to help creators and production organizations address the financial protection considerations that come with qualifying projects, from key person exposure to the long-term security of the talent involved.
IWP is an independent platform and project ecosystem. Insurance products are offered through Truth Legacy Strategies and licensed professionals, and are issued by insurance carriers subject to underwriting and state availability. Not every project will qualify, and coverage is not guaranteed. Disclosure language is placeholder and pending compliance review.
How it works
- 01Project SubmittedA qualifying project enters the IWP ecosystem.
- 02Insurance & Protection ReviewProtection considerations are identified early.
- 03Risk / Key Person AssessmentWho and what the project depends on.
- 04Strategy RecommendationAppropriate coverage options are outlined.
- 05Application / ReviewApplications are submitted for underwriting.
- 06Coverage CoordinationApproved coverage is coordinated with the project.
Legacy is a strategy.
WealthProtectionLegacyTrust
Itibari ZuluFounder
The Founder
Itibari
Itibari
Zulu
Founder · Truth Legacy Strategies
Founder biography · placeholder copy for review
Itibari Zulu founded Truth Legacy Strategies on a simple belief: families, business owners and creators deserve the same clear, long-term thinking that private wealth firms bring to their clients. Over more than two decades in financial services, he has helped clients protect income, plan for retirement and prepare wealth for the next generation.
Along the way he has mentored and led thousands of financial professionals, building teams around education, integrity and client-first service. That experience shapes how the firm works today: explain every option plainly, design around the person rather than the product, and stay involved as life changes.
20+
Years in financial services
$1B+
Assets protected
3,000+
Professionals mentored & led
The Philosophy Behind Truth
P
People
Protecting the people and families behind financial decisions.
P
Principles
Building strategies around clarity, integrity and long-term thinking.
P
Possibilities
Helping clients understand what may become possible when wealth and protection are planned together.
Insights
Clarity before commitment
Articles, videos and guides that explain financial protection in everyday language.
Private Consultation
Start with your strategy.
Tell us where you are today and what you’re working toward. A member of the Truth Legacy Strategies team will connect with you to discuss potential next steps.
Confidential conversation, with no obligation
A licensed professional reviews every request
A response within one to two business days