Blog
Changes in tax laws, estate planning and insurance regulations and the general fluctuations in the marketplace can affect your investment strategies. Our blog will keep you current on everything you need to know to pursue your financial objectives.
Keep Assets Out of An Estate, But Within Reach with a Spousal Lifetime Access Trust (SLAT)
Many advisors are finding that their clients are not alone in failing to create an estate plan. Only 34% of adults in the U.S. have an estate plan, according to an October 2022 survey by D.A. Davidson & Co. In contrast,...
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The “UnSECURE” Act 2.0 for Those Focused on Wealth Transfer
The Setting Every Community Up for Retirement Enhancement (SECURE) Act 2.0 was signed into law on Dec. 26, 2022, as part of the Consolidated Appropriations Act, 2023. SECURE Act 2.0 (“Act”) made significant changes to...
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More Carrot, Less Stick: How the Right Executive Benefits Can Retain Top Talent
In January, the Federal Trade Commission (FTC) proposed a new rule that will likely be made final and will effectively prohibit non-compete agreements other than in very limited circumstances. The proposed rule, which...
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Baby Boomers Riding the Silver Tsunami Are Preparing to Successfully Exit Their Businesses
According to the economic research firm, ITR Economics, out of approximately 77 million baby boomers in the United States, an estimated 12 million have ownership in privately held businesses. Roughly 10,000 baby boomers reach...
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Protect Your Business with Life Insurance Solutions for Owners and Key Executives
Life insurance has long been a tried-and-true tool for protecting businesses against economic losses that can occur when a key person leaves the business. As a tax-efficient funding mechanism, businesses also take advantage of...
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Strategically Allocate Assets Today to Manage Future Taxes
The majority of savings tools Americans rely upon to accumulate funds for future income are tax-inefficient – either during establishment, during the accumulation phase, or at distribution. Figuring out where and how to...
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Plan and Prepare to Live Longer
Enacted in 1935, the Social Security Act was intended to pay retired workers aged 65 and over a continuing income. Back then, the average expected lifespan of women was 64 years and, for men, 60 years. Very few qualified...
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Split-Funded Cash Balance Plans Capture Massive Tax Deductions and More!
401(k) plans have become the standard for companies to help their employees save for retirement; however, the rules for participating present challenges for the owners and other executives of businesses who usually meet the definition...
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Estate Planning Clarity…Finally!
It has been more than two and a half years since presidential candidate Joe Biden released his tax plans, leading to uncertainty around personal tax rates as well as several common estate planning strategies and structures. ...
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What do Rising Interest Rates Mean for Your Life Insurance Policy?
Interest rates are climbing, and this has consumers studying the returns on their investments as well as the impact on their spending. The impact of rising interest rates can be directly correlated to the performance of many...
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Enhance Your Legacy Using Private Split Dollar
You are financially well off and have children – possibly even grandchildren – to whom you plan on passing a legacy. You understand that planning for the future is essential if you want to protect your legacy from erosion...
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Charitable Planning Using Life Insurance
Renowned artist Pablo Picasso said, “The meaning of life is to find your gift. The purpose of life is to give it away.” Giving to your community can provide many benefits and opportunities, both to the charitable...
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Do Not Let a Disability Due to Illness or Accident Disable Your Finances
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A Balanced Portfolio Includes Life Insurance as a Contingent Asset Class
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MAXIMIZE TAX DEDUCTIONS WHILE CREATING A SOURCE OF TAX-FREE RETIREMENT INCOME
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Take Control of Your Retirement Income with a Life Insurance Retirement Plan (LIRP)
Saving enough for retirement is increasingly difficult. The amount you can contribute to employer-sponsored qualified plans is limited and access to those funds is not only subject to income taxes, but before age 59 ½, it is...
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Shift the Risk of Your Long Term Care Expenses
It is likely you will need long term care. According to 2020 statistics from the U.S. Department of Health & Human Services’ Agency on Aging, turning age 65 today has an almost 70% probability of needing some type of long term...
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Recruit, Retain and Reward Top Talent with Executive Benefit Planning
You want to attract and retain top talent. So does your competition. But sometimes competitive cash compensation is not enough. Top leaders expect an executive benefit package that goes beyond salary and bonus potential. Here are four...
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A Gift from the IRS
Thanks to a new law, the IRS has made it even more compelling to use cash value life insurance to save for the future. In December 2020, Congress passed the Consolidated Appropriations Act, 2021 that changed the way the IRS defines...
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Five Strategies to Mitigate the Impact of Tax Increases with Life Insurance
Increases to personal, business, and estate taxes have been proposed and life insurance is a powerful, yet often overlooked tactic to replace income and protect wealth from being eroded by rising taxation. President Biden and Congress...
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Life Insurance Policy Review
A Review Will Tell You If Your Life Insurance Policy Is on Track. Your life insurance policy fit your needs when you purchased it, but as your life and other things have changed, it may no longer fit, creating gaps in coverage. Here...
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