Expert Bruce Rothbard, CLU®, ChFC® answers questions on incorporating life insurance into estate plans How is life insurance utilized as an estate planning tool? Because both federal and state estate tax laws are ever-changing, liquidity is essential for HNW clients....

How life insurance can help increase value and allow more assets to pass to heirs What is a B Trust? A “B Trust” (or Credit Shelter Trust) is a common estate planning technique describing a trust designed to make maximum use of the estate tax exemption available. It...

Intra-Family Loans: A Way to take advantage of low AFR Rates In 2016, we saw a dip in Applicable Federal Rates (AFRs), which created a huge opportunity for high-net-worth clients to use intra-family loans and other strategies for wealth transfer. AFRs are the lowest...

A wealth management solution for small business owners Very often small business owners are looking for retirement planning options beyond a 401(k). They want a retirement plan that provides them, as the owner, substantial contributions for themselves, but also tax...

Have Clients Take Advantage of Low Rates Before Year End Applicable Federal Rates (AFRs) are the lowest rates clients can charge family members without causing a negative gift tax result when engaging in intra-family sales or making intra-family loans. Financial...