We provide technical assistance concerning the uses of life insurance policies for estate planning to the highly affluent, preferably via their attorneys. Common client goals include estate tax minimization and survivor needs. Proper uses of life insurance in business and estate planning can provide powerful, even unparalleled financial advantages. Because our principal and associates have high level skills and credentials in creating and assessing life insurance policies, our clients commonly realize cost savings (greater financial leverage) when exploiting life insurance as a financial planning tool. We also provide fee-only consulting for clients who may be considering the sale or termination of life insurance policies (seller beware).
Annuities: New Products, New Delivery Channels
In the post-crash era, the topic of annuities for retirement income has become popular. One reason is that some annuities offer advancements that make them far more attractive than those available just a few years ago. Another is that they are highly profitable "packaged solutions" for insurers and commissioned agents to sell. But wait: There are new, no-load annuities available. Some new annuity products can add a valuable dimension to retirement for the right investors. The absence of hefty sales commissions can be a game-changer in considering the appropriateness of an annuity in some cases. Since both annuities and life insurance policies tend to be complex, many seek us to provide guidance on a fee-only basis. We have know-how to fully evaluate any annuity product and to discern if one is right for you.
A Registered Investment Advisory Firm. Please see our Disclosure Page. Not available in all states. Telephone 301.263.1170