Importance of Policy Analysis

3 Reasons to Do A Policy Analysis/Review That You Likely Have Never Been Told 1. Almost 2 in 5 policies are “orphaned”. This means they have no one watching over their performance. This is dangerous because life insurance is an asset that needs managing, just like any...

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TIME FOR ACTION 

And now we take action, right?  What am I talking about?   I’m talking about (finally) taking action on your planning. For the past 2 years we’ve heard countless clients say, “Hey, I get it. I know I need to do my estate planning but I’m not doing anything until I see...

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Top 5 New Year’s Planning Resolutions

Going in to the holidays is a good time to start thinking about your New Year's Resolutions.  As the year ends, we reflect on all that we have accomplished.  We should then consider what goals to set for the coming year.  In 2018, make the decision to SURPASS your...

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Legacy Plan Assets in Today’s Investment Environment

Expert Dan Mythen, CEP, offers considerations for Legacy Plan Assets in today's investment environment What are the considerations in choosing an asset to pass on to heirs in today's environment? High net worth clients that plan to leave a legacy should consider how...

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Q&A: Life Insurance and Estate Planning

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....

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Advanced Strategy Spotlight: Leveraged B Trust

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...

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Success Story: Split Funded Defined Benefit Plans

SFDB Plan Success Story Highlights The clients made a $641,000 contribution gaining a $289,000 tax savings (45% tax bracket). The plan added $1.5 million of life insurance coverage. The financial advisor will receive at least $381,000 of new AUM each year for the life...

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Infographic: Applicable Federal Rates are Rising

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...

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