Author Archives: administrator

Tax Law Changes & Planning | The Power of Gifting

There is certainly a consensus that income tax rates are going up.  Many believe estate tax exposures will be higher as we move forward.  There are several options being discussed which include: lowering the exemption, raising the taxable rates and … Continue reading →

HNW Ideas, 2021 Tax Guide, CFP® CE Webinars and Roth Conversion Alternative

Many believe income taxes will be increasing and estate exemptions are likely to decrease.  This is not good for High Net-Worth clients.  For those with more than they need for a smooth retirement, there are smart estate planning considerations and … Continue reading →

AG 49, Part Deux | The New LTC Solution

AG 49, Part Deux Six years ago, Actuarial Guideline 49 went into effect to curb the abuse of indexed universal life illustrations.  It did not take long for carriers to creatively design their products to generate a better-looking ledger.  They … Continue reading →

3 Unique Insurance Designs

What do you do when “what if” becomes “what now”? Quality term is harder to find in the marketplace.  Many carriers have stripped down their coverage offering ala carte features.  You may now need to add an extension rider for … Continue reading →

Commission-Free & Underwriting Insight

Commission-Free Life Insurance:  Is it better for your client? Fee compression is happening everywhere.  In the life insurance industry, they are trying to eliminate commissions.  The reality is the “commission-free” universe is very small, and a major player recently pulled … Continue reading →

Playing the Long Game with Death & Taxes

Integrating Life Insurance into Retirement There is an old saying that the only things guaranteed in life are death and taxes.  The reality is some people do in fact evade taxes.  In fact, more people will be trying to evade … Continue reading →

COVID -19 Underwriting & Insurance Market Update

COVID-19 Underwriting Update   Insurance companies implemented changes to their underwriting & business practices due to the COVID pandemic.  Some carriers have communicated that these changes will continue through September.  Please see below for a quick recap on the more … Continue reading →

Safe money options add stability, flexibility, and peace of mind

Three alternatives to bank rates & bond exposure Times like these can certainly make planning more difficult.  Some clients have more fear than others and may do better if they raise their safety net.  We will look at Nelly a … Continue reading →

Income Protection | The Right Fit

Income Protection In today’s environment, we have certainly learned how important it is to have a paycheck.  Unfortunately, disability insurance can’t pay if you’re unemployed due to market forces.  The reality is people lose their paychecks every year due to … Continue reading →

Ed Slott’s Words of Wisdom | Life Insurance is the New Stretch IRA

C.A.L.L. I love acronyms and I have a slew of them in my head to help my thinking process at certain times.  I recently sat in on a webinar with guest speaker Ed Slott.  Ed discussed a few items and … Continue reading →