Our Firm

Insurance Review Program

85% 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

For 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 Football

Will congress snatch away estate tax repeal?

Snared by an Empty Hook

Fortune Strategies has joined the Art Succession Planning Council to assist clients with the preparation and implementation of optimal collectibles plans necessary to enjoy significant tax advantages during their lifetimes, assist in the disposition of artwork and avoid problems with the IRS.

Making Insurance Work at Older Ages by Using Increased Benefits

Insurance 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 Too

Minimize 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 Forgotten

Recovering losses intended for heirs.

Go for the Guarantee

Evaluating existing policy performance in an environment of declining ratings and guaranteed contracts.

Life Insurance As An Alternative Asset Class

Restore 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 Promise

How to overcome significant losses in your variable life insurance.

Multi-Purpose Premiums

Stretching premiums in turbulent times.

AIG Ratings Downgrade

Ensuring that clients make prudent decisions about their coverage based upon the facts and not fear or rumor.

Finding Anomalies

While pricing anomalies are uncommon, the fact remains that older policies can often be improved upon.

Policy Transfers

During 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 Solutions

Designing 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 Marriages

Using 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 Income

Using 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.