Meet Advanced Planning Team Member, Michael J. Sapyta, CFP®, CLU®, Vice President, Advanced Planning


Non-Qualified Executive Benefits: Securing Business’s Most Valuable Assets Today

Business meeting photo

As the U.S. economy continues to improve, so too has the job market, creating greater competition for talent. Today there are 0.9 unemployed persons per job opening1, contrast that with 1.9 prior to the latest recession and 6.6 per job opening in July of 2009. The labor market is tight. As such, businesses are confronting increasing challenges to attract, reward and/or retain key personnel. If a business were to lose a key employee to death, disability, or the competition there is just not readily available talent waiting to walk through the door tomorrow. By undertaking thoughtful planning today, business owners can implement value added benefit programs to reward and retain existing key executives and, when necessary, successfully compete for new talent.

As one might expect, with the economy growing, business owners and executives are seeking out additional ways to save for their futures.

We can help!


Meet Advanced Planning Team Member Austin Jarvis, J.D., MBA, Vice President of Advanced Sales – Taxation


The Highland Advanced Planning Team

Who We Serve

First and foremost, we serve you, our independent producers, planners and representatives. In this role, we also assist your clients and their legal and tax, family office, trust, banking, investment and wealth advisors.


February 2019 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.


The Power of Leveraging Prior Gifts

 
Sometimes strategies can be so simple and basic, yet powerful.  For instance, leveraging prior gifts can go a long way in helping families plan for legacies and liquidity for their estate planning needs.

That is, clients who have taken advantage of making gifts to a trust in the past have an opportunity to leverage those gifts with life insurance, provided they can be underwritten medically and financially.


An LLC Buy-Sell? Powerful Simplicity

LLC Powerful Simplicity

Psst.

There’s a little-known buy-sell strategy that avoids many of the pitfalls of traditional arrangements.1

The LLC buy-sell combines the benefits of a cross purchase buy-sell and an entity buy-sell while eliminating many of the challenges business owners and their advisors typically face.

The owners of a successful business should plan for the transfer of the business to the next generation. Buy-Sell plans can make all the difference in a successful transfer of the business to surviving business owners in the event of a triggering event, such as the death, disability or retirement of one of them — all while protecting the financial interest of the surviving family members.


Life Insurance as an Alternative to a Non-deductible IRA – Reason #5: Maximizing Social Security Income

The coming tax season is a perfect time to help your high-income clients assess the options available for their additional savings.

In a series of 6 back-to-back blogs we illustrate 5 key reasons why cash value life insurance can be a powerful savings vehicle when compared to other retirement income sources, especially a non-deductible IRA:

  1. Replacing the Post-Retirement Income Gap
  2. Diversifying Taxes at Retirement
  3. Cushioning a Market Downturn
  4. Guarding Longevity
  5. Maximizing Social Security

Today we flesh out Reason #5


January 2019 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.


Life Insurance as an Alternative to a Non-deductible IRA – Reason #4: Guarding Longevity

 
The coming tax season is a perfect time to help your high-income clients assess the options available for their additional savings.

In a series of 6 back-to-back blogs we illustrate 5 key reasons why cash value life insurance can be a strategic savings vehicle when compared to other retirement income sources, especially a non-deductible IRA:

  1. Replacing the Post-Retirement Income Gap
  2. Diversifying Taxes at Retirement
  3. Cushioning a Market Downturn
  4. Guarding Longevity
  5. Maximizing Social Security

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