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:


Top 4 Ways Life Insurance Is Used for Business Planning

Business owners can use life insurance to protect their businesses and provide important benefits to their employees. Without proper planning and funding, many businesses fail to continue to the next generation.

Here are 4 ways life insurance is used in business planning:


June 2018 LTC Newsletter

LTC-Newsletter-Header-Blog

LTC in the News

The word is spreading. Major news outlets are letting the American people know the importance of long-term care planning. Are you? Here are a few recent third-party articles.


Estate Planning: The Cost of Waiting

Following the 2017 Tax Act, many advisors have asked how to respond to clients who say that there is no urgency in planning given the tax changes. To address this lack of urgency, consider the following:

  • the non-tax needs of the family–including liquidity to equalize gifts among heirs,
  • the preference heirs may have to buy each other out of unwanted assets, and
  • the desire to ensure long-term care for a special needs family member.

Robert W. Finnegan, J.D., CLU®, Published in Trusts & Estates Magazine

We are pleased to announce that the following article by Robert W. Finnegan, J.D., CLU®, AEP®, was recently published in the April Trusts & Estates.

Planning With Life Insurance in Uncertain Times
A holistic approach can help clients move forward


4 Charts to Help Navigate Planning for Foreign Nationals

Transfer tax planning for high net worth clients can be sophisticated. When the client is a foreign national, planning becomes even more complex due to the myriad of tax rules based on residence, citizenship, type and situs of property, and how the property is being transferred– as a gift during lifetime, or as a bequest at death.

Below are 4 general charts that help navigate through the rules. Treaty agreements between the U.S. and the non-citizen’s home country may alter or replace the general rules discussed herein.

 


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