A “Balanced” Approach to Accumulation IUL Case Design
Delivering superior consumer value and greater compensation than traditional accumulation designs.
A Buy-Sell Arrangement that Benefits the Living and the Dead
A Plan that Helps Business Owners Leverage Business Insurance Assets to Solve Their Need for Long-Term Care Coverage.
Asset Location: The Missing Piece of an Effective Asset Allocation Strategy
How to Integrate the Unique Tax Attributes of Life Insurance to Reduce Relative Risk in an Asset Allocation Model.
Avoiding the Tax Double Whammy
How to Plan for Increased RMDs and Potential Higher Tax Rates Coming with the Sunset of the TCJA.
Becoming an Insurtech Enabled Advisor
With insurtech solutions seemingly on every corner, it’s critical to have a strategy for matching advisors to the right solution with the right opportunity.
Can You Spend the Same Dollar Twice?
A Strategy that Solves the Erosion of Living Benefits that Occurs When Life Policies are also Used for Retirement Income.
Don’t Outgrow Your Business Insurance
An Approach to Key Person and Buy/Sell Coverage that Grows as a Company Grows.
Executive Benefits Strategy: A Fresh Approach
Offering a pleasingly different benefit to Key Executives via a 162 Bonus Plan.
Flexible Funding Strategies for ILITs
There’s More to the Trust Funding Story than Annual Exclusion Gifts, Particularly as the TCJA Sunset Approaches.
How to Use Your LTC Premiums to Reduce Your Tax Bill
Learn About the Multiple Tax-Advantaged Strategies for Individuals Paying Long-Term Care Insurance Premiums.
Indexed UL with an Exit Strategy
A Strategy that Offers Clients an Elegant Solution to Potential Future Reductions in Cap and Par Rates.
Making the Case for Annuity-Based Asset-Based LTC Products
Demonstrating how taxes could make an annuity-based product a superior ABLTC solution funded by an existing annuity.
Planning for a Long-Term Care Public Option
Helping advisors and clients make effective planning decisions around state level LTC legislation.
Rescuing a Bank Loan from Rising Interest Rates
Mortgages aren’t the only Loans Getting Swamped by Rising Interest Rates. Check out this Elegant Solution with Life Insurance.
Rightsizing Your Permanent Insurance in Retirement
Repurposing Permanent Single Life Policies to Fund Care Costs for Both Husband and Wife Without Paying a $1 in Taxes.
Shielding a Legacy from the Impact of the TCJA Sunset
A Strategy for Offsetting Estate Erosion when Estate Tax Exclusion Limits fall post TCJA Sunset.
Solving the Challenge of a Stretch IRA
A Strategy for Moving Gains from Inherited IRA Assets Out of the Tax System.
Solving the Executive Benefits Gap
Solving the “reverse discrimination” highly compensated executives encounter in typical employee benefits programs.
Strategic Income from Downside Protected Life Insurance
How to effectively integrate permanent cash value life insurance products into a retirement plan.
Succession Solutions for Single Owner Businesses
Businesses with a Single Owner Can Still Execute an Effective Succession Strategy, with or without a Known Successor.
The “Seasoned” Life Insurance Split Exchange
Repurposing life insurance assets to more directly address the needs of a retiree, including retirement income, funds to pay for care and leaving a legacy.
The Buy/Sell Cost Basis Conundrum
Estate tax payers are not the only business owners who should be wary of Stock Redemption Buy/Sell Agreements.
The Connelly Decision “Easter Egg”
The unanticipated elements of the Supreme Court’s decision in the Connelly case upends stock redemption buy/sell arrangements, suggesting the need for an updated approach to both the type of agreement on its ongoing management.
The Devil is in the Details in Case with Cardiac Complications
In this Case, Simple Human Error Regarding the Client’s Ejection Fraction was Identified and Resolved to Secure Key Person Coverage.
The Estate Planning Crawl In
A strategy for helping clients hedge the upcoming TCJA sunset with a minimum commitment of time and premium dollars.
The Long-Term Care and Estate Tax Legislation Hedge
Positioning Clients Today to Withstand Tomorrow’s Potential Changes to Long-Term Care and Estate Planning Legislation.
The Split Annuity Solution for Income and Care Planning
A balanced approach for retirees seeking to protect against the need for future increased, tax-efficient income and cost of care.
The Tax Time Bomb of Self-Funding Long-Term Care Costs
Clients Planning to Self-Fund their Long-Term Care Costs are Creating a Massive Future Tax Liability.