Financial Planning

Category Archives

2019 Numbers You Need to Know

2019 numbers you need to know

As you build your 2019 business plans, keep in mind the following inflation-adjusted figures that help to put planning strategies in context.


8 Year-End Planning Tips

The 2018 tax return will be the first tax season under the 2017 Tax Act.  Below are 8 tax tips to consider as you sift through opportunities to maximize tax savings.


Beware of the Average by Thomas R. Kestler, CFP®, CLU®, ChFC®, CMFC®

We hear it all the time.  Somebody will say, “The average return in the stock market is XX%” or “The Super Equity mutual fund had an average return of XX%.”  My first reaction to any comment using averages is skepticism.


Premium Financing

For many years Premium Financing was used by the Property & Casualty industry to allow employers to finance hefty commercial liability premiums. Fast forward to the last two decades and Premium Financing has evolved to fund a client’s large life insurance needs.

Premium Financing refers to the funding of premiums through a third-party lender, like a bank.

Clients who need a large life insurance policy to create liquidity for estate planning, wealth transfer or business succession may consider establishing a loan for the annual premiums through a commercial lender.  This type of loan is similar to other loans: the arrangement requires approvals from both the bank and the insurance company issuing the policy, a fair market rate of interest is charged, and collateral in the form of the life insurance policy and additional personal assets must be posted.


When Does A Non-Qualified Benefit Plan Make Sense?

Both business owners and executives can benefit from non-qualified benefit plans. When considering which options make the most sense, the questions revolve around:


Foreign Nationals Spent $153 Billion in 2017 on U.S. Residential Real Estate: 4 Ways to Identity Them

The Foreign Nationals market is a large one if its appetite for all manner of U.S. real estate is any indication of size.

Consider that foreigners spent $153 billion in 2017 on U.S. residential real estate, or approximately 285,000 properties; this represents 10% of all of the U.S.’s existing home sales in 2017.  The majority of home purchases by foreigners were made in Florida, California, Texas, New Jersey and Arizona, by buyers from China, Canada, U.K., Mexico and India.  


Top 5 Responsibilities of An ILIT Trustee: The Importance of Policy Reviews

An ILIT is an Irrevocable Life Insurance Trust, created primarily to own life insurance, and sometimes other assets. The trustee of an ILIT is the fiduciary of the trust assets. The trustee can be a family member (who is not the creator or ‘grantor’ of the trust), or an independent trustee at a bank, for example. Regardless of who is named trustee, the trustee has a fiduciary responsibility to manage assets for the benefit of trust beneficiaries.


Page 1 of 16123...Last