If your money that you want passed down is in a ROTH or something your beneficiaries can wait 10 years for distribution to get them another 10 years of tax free growth. 

@Kyle Trotman feel free to reach out. 

Feel free to inquire about their staff qualifications if it's a larger organization.2.

I would suggest checking it out!

You can easily look them up on https://nmlsconsumeraccess.org/If they are a commercial lender, you may want to check for google reviews

Chicago has plenty of opportunities for value-add projects, and I'd be happy to share some insights or introduce you to a few local investors I've worked with.Feel free to reach out if you want to talk strategy or specific neighborhoods!

If you’re open to it, I’d be thrilled to buy you a coffee and hear your story.Whether you specialize in residential, commercial, wholesaling, or anything in between, your insights would mean a lot to me as I navigate this journey.Please feel free to reply here or shoot me a message if you’re interested.

Even a weekend trip to scope neighborhoods can give you a feel for the area.Good luck building your portfolio, and feel free to ask if you have questions about getting started!

Check for transfer costs before doing so. 

Feel free to drop a comment or send me a message.