Invest with the Heart · Generational Wealth Series

The Million Dollar Baby Blueprint

A complete financial foundation built before your child takes their first steps — so they cross the finish line a millionaire by 18.

This is for the expecting parent who refuses to let their child start at zero. The parent who knows that 18 years is enough time — if you start right now, with the right plan, and the right person in your corner.

What's Included

Everything your child needs.
Built around you.

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Max-Funded IUL Policy
A whole-of-life strategy using an Indexed Universal Life policy — structured to build tax-free cash value your child can borrow against for college, business, or their first investment. The cornerstone of generational wealth.
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UTMA/UGMA Custodial Account Setup
A brokerage account in your child's name, managed by you. We identify the right index funds and ETFs to maximize compound growth over 18 years — with a strategy you can execute yourself.
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529 College Savings Strategy
Tax-advantaged education savings structured to reduce your taxable burden while building a future fund. We'll align this with your IUL so you're not doubling up — you're stacking.
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Parent Life Insurance Review
Your child's plan only works if you're there to fund it — or if your policy is structured to continue without you. We audit your current coverage and close any gaps in the blueprint.
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Family Trust Consultation
An introduction to how a revocable living trust protects the assets you build — keeping wealth inside the family and out of probate. Includes guidance on next steps with a trust attorney.
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18-Year Wealth Roadmap
A personalized, written milestone plan from birth to 18 — showing exactly what to fund, when, how much, and what your child's projected net worth looks like at each stage.
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Credit & Financial Identity Setup
A guide to establishing your child's financial identity early — including authorized user strategies and what to do when they turn 18 to unlock their credit history on day one.
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2 Private Strategy Sessions
Two 60-minute 1:1 sessions with Luxy — one to build the plan, one to review it 30 days later and ensure everything is in motion. Ask anything. Leave with clarity.

The Strategy

How we build a millionaire by 18

Milestone Roadmap

What the next 18 years look like

Birth — Year 1

The Foundation Is Poured

IUL opened, custodial brokerage funded, 529 established. Parent life insurance reviewed and secured. Trust consultation complete.

Ages 1 — 10

Compound Growth Does the Heavy Lifting

Consistent monthly contributions to all vehicles. IUL cash value builds. Index funds accumulate. Annual review to adjust for income changes.

Ages 11 — 15

Financial Literacy Begins at Home

Child is introduced to the plan. Lessons on credit, compound interest, and investing. Added as authorized user — credit history starts building.

Ages 16 — 17

The Handoff Is Prepared

Custodial account transitions reviewed. IUL policy explained and celebrated. 529 strategy confirmed for college or Roth rollover.

Age 18

They Arrive. Already Ahead.

A funded IUL with accessible cash value. A brokerage account with 18 years of index fund growth. A credit history. A plan. A head start no one can take away.

Investment

The Million Dollar Baby Blueprint

Complete generational wealth setup for expectant parents

$2,000

One-time. All-inclusive. Yours forever.

Book Your Strategy Session →

Secure your spot. Spots are limited each month.

"Nobody sat me down and showed me how money actually works. I'm not letting another generation start without that map. This is the blueprint I wish my parents had — and now I'm handing it to yours."

— Luxy Heart · Invest with the Heart