Leading your financial symphony, we orchestrate strategies to MULTIPLY, SAFEGUARD, and TRANSFER your assets.

Helping You Orchestrate Your Legacy

Your Financial Symphony

At Orchestrate Your Legacy, we've guided numerous clients in orchestrating the growth, access, and protection of their wealth through premier financial principles and strategies. Drawing on decades of experience, we deliver expert advice tailored to your individual needs, aspirations, and situation.


Our planning methodology ensures you receive dedicated attention from our team and access to sophisticated strategies that many advisors are unfamiliar with. Our wealth planning is specifically designed to assist you, your business, or your estate in creating wealth and income that will sustain you throughout your lifetime and be passed down as a enduring legacy.

Do you have a conductor for your financial orchestra?

At OYL, our advisors are seasoned professionals who serve as the guiding force in the wealth planning journey. Leveraging their expertise and insights, they craft and oversee comprehensive wealth plans, collaborating closely with clients to realize their financial objectives.

A sheet of music has a hole in the middle of it
A woman is playing a violin in front of a large orchestra.

What is a Financial Symphony?

About OYL

“Each player in the orchestra pays rapt attention to the conductor. At the beckoning of his baton, the string section and the woodwinds, the brass and the percussion are ready to join in perfect harmony. Without him, the performance would fall apart in discord. And why so? The conductor didn’t write the score. Even if he is able to play any of those instruments, he is probably not the best. But he has a perspective that the musicians lack from their positions of expertise in the ensemble. The conductor understands where the whole piece needs to go. He knows how all the instruments need to blend in rhythm and tempo for best effect. He coordinates the specialists and brings in whoever is needed at just the right time. It is a role that we certainly understand, though we are conductors of your money and legacy, not music.”


In the world of financial planning, much like an orchestra, each element of your financial portfolio requires precise attention and coordination to achieve harmony and success. At our firm, we serve as the conductors of your financial symphony, guiding each component — from investments and insurance to estate planning and tax strategies — to work together seamlessly. Just as a conductor understands the overall direction and rhythm of a musical piece, we provide a holistic perspective on your financial landscape. While we may not be the experts in every financial instrument or strategy, we possess the comprehensive vision to orchestrate a cohesive and effective plan tailored to your unique needs and goals. We coordinate with specialists and implement strategies at the opportune moment, ensuring that your financial performance resonates with stability, growth, and legacy-building for generations to come.

A book titled orchestrate your legacy advanced tax & legacy planning strategies

"Orchestrate Your Legacy"

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Orchestrate Your Legacy will show you how a fine-tuned team of professionals can give you the clarity to safeguard and control your assets now and into the future.

Products & Services

These are just some of the ways our team can help orchestrate your legacy.

Retirement Income Planning

Our expert advisors will craft personalized strategies to optimize your savings, investments, and focus on the retirement lifestyle your are hoping to achieve while ensuring a secure financial future.

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Tax-Minimization Strategies

Explore effective Tax Minimization Strategies with our expert guidance. Our seasoned advisors will assess your financial situation and implement tailored solutions to legally minimize your tax burden. 

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Annuity Maximization Planning

Our seasoned advisors will meticulously analyze your existing annuity contracts and develop tailored strategies to optimize your income streams and maximize your benefits.

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Life Insurance

Our experienced advisors will guide you through the process of selecting the right coverage to meet your needs, whether it's term life, whole life, or universal life insurance. With our personalized approach we are committed to excellence.

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Debt Elimination

It's simple: the sooner you can pay off debt, the more wealth you can accumulate. Our team uses an advanced tool that acts like a financial GPS that dramatically eliminates interest and reduces the payback period substantially. We offer a savings report customized to your debt structure.

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Foreign National Planning

If you are a foreign national who owns substantial assets in the U.S., then you may have unique exposure to more severe estate taxes on those assets. We can help provide strategies to minimize those taxes through proper planning.

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FAQS

Here are answers to some common questions. 

  • What does OYL do?

    A financial planner who orchestrates your legacy serves as a strategic partner in crafting a comprehensive plan to achieve your financial goals and leave a lasting impact. They begin by understanding your values, aspirations, and priorities, then develop personalized strategies to build and protect wealth, minimize taxes, and optimize investments. This includes creating retirement income streams, establishing estate plans, and implementing charitable giving strategies to reflect your legacy wishes. By providing ongoing guidance and monitoring, they ensure your financial plan evolves with life changes, empowering you to leave a meaningful legacy that aligns with your values and impacts future generations positively.

  • Who is the founder of OYL?

    Our founder, Tom Beno has spent years finding those missing experts to be part of his team.  When a client finishes the OYL Legacy Builder Process, they know they have a holistic solution.




    In the last 23 years, Tom has worked in almost every corner of the financial industry. He is a master educator and people connector. He has worked in banking, offshore asset protection, mortgage lending, securities sales, life and disability insurance sales and design, and retirement planning. Since much of this work starts with tax planning, Tom has expanded his team with a nationally renowned group of CPAs and Tax Attorneys focused on Proactive Tax Planning yielding huge savings for business owners.




    Tom holds a BS in Finance from Montana State University, and is co-author of the book “Orchestrate Your Legacy”. Legacy planning entails long-term tax planning and asset protection for the immediate and extended family.

  • What services does OYL offer?

    The OYL philosophy, has put together the finest team of experts that play their instruments very well. Coordinating the whole team to bring about the optimal solution for the client is what drives Tom’s whole business model. The key is finding the experts who are team players, and then introducing them to the process at just the right time.

  • What is the easiest way to get more information?

    Schedule  a discovery call!

  • Why should I schedule a discovery call?

    Top 10 Reasons people schedule a discovery call with Tom:

    You're a doctor who owns his/her own practice or a business owner, and you are very concerned about the tax consequences of selling your business in the future.

    You're a high earning person under age 50 who wants to learn how to use leverage to dramatically increase your after-tax retirement income.

    You're 50 or older and have a lot of money in an IRA and want to gradually move it over into a tax-free environment.

    You are a business owner and want a serious second opinion on your tax efficiency (73% of small business owners are currently looking for a new CPA/Accounting firm).

    You are concerned about the volatility of the stock market and want to explore ways of guaranteeing income later on.

    You have a need to structure a life or disability policy to fund a trust or buy/sell agreement.

    You do not have all your estate planning documents in place and want a better and different way of doing them.

    You want to find out how a charitable giving strategy might give everyone more and provide a significant tax write-off.

    You want to explore tax efficient alternatives to set up now so that you can avoid the massive tax hits in retirement.

    One of your children is a special needs child and you are very concerned about taking care of them after you pass away.

  • Is there any unique services that OYL offers?

    The OYL team will help you grow, access and protect your retirement income in the most tax-advantaged methods possible.

  • Do you have any branches overseas?

    Yes, call us to learn more!

Talk to us today!

Getting advice begins with a simple conversation.