Our Firm
11 Ideas for 2011
Insurance Review Program85% of existing trusts could obtain a 40% reduction in premium costs for the same amount of insurance or, conversely, obtain 40% more death benefit for the same premium cost.
Generating Wealth with No Out Of Pocket or Opportunity Costs
IRS EnhancementFor clients who do not need to take distributions from their IRAs during their lifetimes and who want to maximize the tax free amount going to their heirs, the IRA Enhancement is an excellent alternative to converting their traditional IRAs into Roth IRAs.
Lucy and the FootballWill congress snatch away estate tax repeal?
Snared by an Empty Hook
Making Insurance Work at Older Ages by Using Increased BenefitsInsurance at older ages makes sense if structured correctly however significant changes in the insurance industry have made it very difficult to properly structure and place insurance at older ages.
Have Your Cake and Eat It TooMinimize transfer taxes while preserving income and protecting from significant decline in a concentrated stock position.
Tax Treatment for Sale of Cash Value Life Insurance Policies in the Life Settlement Market Before and After 8/25/09
Gone but Not ForgottenRecovering losses intended for heirs.
Go for the GuaranteeEvaluating existing policy performance in an environment of declining ratings and guaranteed contracts.
Life Insurance As An Alternative Asset ClassRestore children’s inheritance with an investment that is safe, tax advantaged, not correlated to the stock or real estate markets, and provides an attractive after-tax internal rate of return.
Restoring the PromiseHow to overcome significant losses in your variable life insurance.
Multi-Purpose PremiumsStretching premiums in turbulent times.
AIG Ratings DowngradeEnsuring that clients make prudent decisions about their coverage based upon the facts and not fear or rumor.
Finding AnomaliesWhile pricing anomalies are uncommon, the fact remains that older policies can often be improved upon.
Policy TransfersDuring the process of an insurance policy review, we’ve found that with 75% of the policies 5 years old and older that we can increase coverage 40% for the same premium dollar or decrease the costs for the same benefits.
Taking Advantage of Low Applicable Federal Rates To Economically Exit A Grandfathered Split Dollar Agreement
First to Die SolutionsDesigning a “synthetic joint first to die policy” to ensure that a client’s trust will have requisite liquidity at first death and dramatically reduce the premiums required to buy life insurance policies on both the husband and wife.
Second MarriagesUsing insurance to bridge the gap between needs of a younger spouse and children from the first marriage.
Establishing and Using Market Value of Overlooked Assets
Gifts and Sales to Intentionally Defective Grantor Trusts
Tax Free Supplemental Retirement IncomeUsing equity indexed high cash value life insurance to preserve principal, build tax-free retirement income and protect the family in the event of an untimely death. |