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As the Supreme Court prepares to decide the fate of the national health care bill, many businesses are taking advantage of a government approved plan that has been in effect since 2004.
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Charities have reported a record drop-off in donations. If you want to help, this is the time. Consider the donation of an insurance policy. It can benefit both you and your charity.
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The only constant in life is change. Everything around us seems to be a little bit different than it was yesterday. The same is true with your long-term health care.
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There are few guarantees in life other than death and taxes. You Should ask: Is my life guaranteed?
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Would you place this money in another short-term product at the end of an investment cycle, or consider diversifying your wealth to buy a product that protects your heirs upon your passing? Wise investors know the answer to the question.
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Americans closing in on or already in retirement are searching for ways to boost monthly income they once envisioned for their Golden Years. Annuities have long been a popular financial vehicle to protect your money, generate income and transfer wealth.
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There are hundreds of types of trusts that one can consider, but this article will limit those discussed to the irrevocable life insurance trust (ILIT), gifting trust, qualified personal residence trust (QPRT) and grantor retained annuity trust (GRAT).
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Right now it’s the talk of the town. Donald Trump is scheduled to moderate the December 27 Newsmax debate.
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Everyday, people make their estate plans to benefit their spouses, children, grandchildren and their favorite charities. However, life often throws us curveballs.
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It is sad that in today’s day and age, we have people who support the idea that what you don’t know won’t hurt you. Ignorance is not bliss, and things like cancer tend to get worse, not better, when left to their own vices.
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Many of us would agree that investment performance is not what it used to be. Stock yields are dismal, interest rates inch closer to zero, and consistent capital appreciation seems to be past history. But wait . . . there is some good news!
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In last year's so-called "lame-duck" session after the November elections, Congress passed The Middle Class Tax Relief Act. It addressed expired and expiring tax reduction laws created under the Bush Administration.
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It's amazing that something that sounds so restrictive called a "captive" can be so liberating.
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Under George Steinbrenner's watch, he took the New York Yankees baseball team from a $10 million value (in 1973 when he bought the team) all the way to a $1.6 billion valuation at the time of his death in 2010.
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How can you take advantage of the historically high exemption amount before it expires in 2012?
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When the 'two year' tax window shuts on December 31, 2012, will you be ready?
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You know how easy it is today to get absorbed in running your business. Years slip by. Your family and financial situations change. Suddenly, you realize that you have overlooked something important - keeping your business, family and estate protected.
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This Father's Day, why not turn the tables and provide your family a gift – a gift that will last a lifetime. A financial plan. Consider preparing a financial plan that focuses on protecting and providing for your family and their future.
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The Wellington Forum and Town Crier featured Clint Robertson, an Associate, in their newspapers. Clint Robertson is an Associate at Richard S. Bernstein and Associates, Inc., working with both life and group clients.
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Most wealthy families work hard accumulating their assets. So it makes sense that they would protect themselves and their heirs from unforeseeable events. Proper planning can protect, preserve and create wealth.
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While you may never completely replace the contributions of an individual who died or has become disabled, insurance coverage can help protect an image of stability for your company
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This past week I was honored to receive the Palm Beach "Ultimate CEO" award from the South Florida Business Journal along with nine others who have excelled in a myriad of areas.
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Today's headlines are really a harbinger of life. Uncertainty abounds. Tsunamis, nuclear energy plant radiation leaks in Japan, uprisings and civil wars in oil producing nations, including most recently Libya, rattle our daily lives.
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Today's advice for financial security can be described in one word: Diversity. Be it cash, a business, stocks and bonds, real estate or life insurance, no wise and wealthy investor loads his or her portfolio in a single asset.
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For many individuals of financial stature, there has always been a sense of independence and pride in their accomplishment. Yet these same individuals, when it comes to estate planning, do not always use the same acumen.
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To offset their financial indigestion, charities are increasingly coaching supporters to consider life insurance to sustain and stretch cash flows to hospitals, the arts, disease research and houses of worship.
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Insurance takes the worry out of how to invest and what to invest in to meet your goals of passing on your wealth to your children and charities.
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Richard S. Bernstein, of Richard S. Bernstein & Associates, Inc., was recently selected on March 4, 2011 by South Florida Business Journal as one of their Palm Beach County Ultimate CEO's
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As tempting as the now $5 million gift exemption sounds, free of all forms of tax through 2012, you and your children may be better off if you use a trust that can protect your lifestyle or future generations such as grandchildren and great grandchildren.
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Congress has provided a remarkable two-year window of opportunity to pass gifts of up to $5 million to children or charities before taxes ensue - gifts that could be embellished by life insurance and enveloped with trusts.
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When it comes to current estate planning, consider the Proverb "He who hesitates is lost," because certainly there are times where one can over think - and miss - a really good, long-term financial opportunity. And one of those windows is currently open.
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here are three top estate planning strategies to consider in 2011 to reduce or even eliminate your remaining assets from the taxable estate at death
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While some banks have been slammed for loose lending practices, you might be surprised to learn many banks often choose to make life insurance a significant percentage of their "top-tier" capital.
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On December 17, President Obama signed legislation that provides for very generous exemptions and unprecedented opportunities in multi-generational estate planning.
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Whitney had accurately predicted record breaking bank failures in 2010, and let loose with yet another end-of-year bombshell projection for 2011: Municipal Bonds were no longer an irrefutably safe investment instrument.
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In these difficult economic times, the need for charitable giving is greater than ever.
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After months of conjecture and debate, the House and Senate passed a law that will, in essence, keep income tax rates the same for the next two years.
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Most of our lives are spent building and acquiring every kind of asset; however, rarely do we stop to think about how those assets will help achieve our long-term financial goals.
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During the Depression, Penney kept J.C. Penney afloat by borrowing against his cash value life insurance policy.
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Less than a year after its passage, America's new health care reform bill may be in trouble.
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Life insurance has always provided a sound method of protecting heirs from estate taxes..
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There are very few "sure things" in life as the saying goes - with Death and Taxes being the prime examples. But here is a third one that ties back to the first two - life insurance
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But the Use Megatrust goes even further: it permits the trustee to buy assets for the beneficiary's personal use.
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Studies show that 70 percent of people over age 65 will require some long-term care services at some point in their lives.
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Expect dramatic changes in estate tax laws in the new year. Richard S. Bernstein offers four tips for dealing with the tax's impact.
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The Economic Growth & Tax Relief Act of 2001 was signed into law on June 7, 2001.
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On January 1, the estate tax is making a comeback
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Annuities have long been one of the most popular financial vehicles offered by life insurance companies
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Act Now To Take Advantage Of The Lowest Interest Rates In Years
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On Tuesday, July 27, 2010 Richard S. Bernstein was the Kiwanis Club's special guest speaker at The Breakers on Palm Beach.
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Knowing what product to use and how to fund it can make a significant difference in protecting your children's inheritance without reeking havoc on your lifestyle.
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It is almost certain that there will be an estate tax in 2011, even if Congress does nothing.
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Local businesswoman Robin Bernstein in Jose Lambiet's PAGE TWO.
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Longevity Insurance Is An Option Worth Considering
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Another Mega Idea For Your Family
(Co-Authored with Jonathan G. Blattmachr, Esq.)
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A Mega Idea For Your Family
(Co-Authored with Jonathan G. Blattmachr, Esq.)
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A Year Without Estate Tax & No Step Up in Income Tax Basis for Inherited Property
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There are CRITICAL issues confronting America's wealthiest citizens today. This article contains a sampling of URGENT estate planning topics that you need to know.
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Life Insurance Offers Certainty For Protecting Your Heirs
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Breaking news on Health Care Bill quotes insurance expert Richard Bernstein.
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Life Insurance Offers Investment Protection to Cover Taxes
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Trading Insurance Policies Can Be Good -- If Handled Properly
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Income Annuities Offer An Alternative Option For Retirement
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Death Benefits, Return Of Premiums Possible
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Don't Pitch Your Life Insurance Policy -- It Can Be Valuable
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Stories Abound Coast To Coast On The Impact Of What Didn't Happen
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Annuity Funded Insurance Is Safe Bet To Protect Your Heirs -- DOUBLE THE CASH ASSETS -- TRIPLE THE INCOME
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Congress is expected to reinstate the federal estate tax and GST taxes in 2010, but the timing is unknown.
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'Guaranteed' Life Insurance A Worthy Investment
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Recapturing Money Lost
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A strategic insurance plan can provide tax-free dollars to your grandchildren or great-grandchildren that far exceed the premiums you pay.
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Shell-Shocked Investors Looked To Insurance In 2009
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Plan May Help 31 Million...At A 10-Year Cost Of Between $871 Billion And $2.2 Trillion
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Food for Thought
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Life Insurance, Trusts And Asset Shifting Can Protect Heirs
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Life Insurance Policies Proved Very Popular Investment in 2009
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Consider an ECLAT (Enhanced Charitable Lead Annuity Trust)
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A Gift That Keeps On Giving
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Can I afford to purchase life insurance to protect my heirs without adversely impacting my lifestyle? YES!
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When it comes to an investment that never fails, life insurance is one of the best options available.
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Split dollar plans can provide tremendous leverage.
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When it comes to protecting money you wish to pass down to your heirs, those in the know are closely watching the current session of Congress.
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Palm Beach Daily News profiles Richard S. Bernstein, CEO of Richard S. Bernstein & Associates, Inc.
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A Beacon of Certainty During Times of Economic Instability & Mounting Government Debt
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Richard S. Bernstein, a contributing writer to the Star Diamond World, advises how to Protect your Five Star Family and Ensure Your Lifestyle for Generations.
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Letter to the Editor of The Palm Beach Post on Friday, August 28, 2009
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Congress, President Face Mine Field on Cost, Coverage Issues
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Crafting An Independent Group Of Advisors Is Critical To Estate Planning
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Trust Funded Insurance Can Negate Generation Skipping Tax
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Historical Low Interest Rates Provide Opportunity
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Before Acting, Assess Your Assets; Communicate With Your Family
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Palm Beach Society Special Feature Article
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An Ideal Vehicle for Asset and Tax Protection. Part Three in Our Series. Co-written with renowned trusts and estates attorney, lecturer, author, and Professor of Law at NYU School of Law, Jonathan G. Blattmachr.
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Estate Planning Would Be Significantly Affected By Bill. Co-written with renowned trusts and estates attorney, lecturer, author, and Professor of Law at NYU School of Law, Jonathan G. Blattmachr.
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Another Mega Idea for Your Family. Part Two in Our Series. Co-written with renowned trusts and estates attorney, lecturer, author, and Professor of Law at NYU School of Law, Jonathan G. Blattmachr.
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A Mega Idea for Your Family. Part One in a Three Part Series.
Co-written with renowned trusts and estates attorney, lecturer, author, and Professor of Law at NYU School of Law, Jonathan G. Blattmachr.
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"Stars Have Aligned" To Execute New Financial Strategies
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Protect Generations of Your Family From Estate Taxes.
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Protect Yourself From Catastrophic Costs In Your Golden Years.
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Sheltering Your Estate From "Outlaws."
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New Bill Could Eliminate The Discounts For Transfers of Cash, Securities, and Non-Business Assets.
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Will the Obama Administration Take Them Away?
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Vital Information Before You Begin Any Significant Gifting Program.
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2/06/2009 | Special to Palm Beach Society (February 6-12, 2009): AN ILIT STRATEGY FOR LIFE INSURANCE
Protect Your Family Fortune Through Private Financing.
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A Safe Way to Provide Retirement Income and Money For Your Heirs.
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The Safety of Major Life Insurance Companies
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Read about The Pitfalls of Life Insurance Settlements as it appeared in The Palm Beach Daily News (The Shiny Sheet).
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Recover Your Lifestyle With Life Insurance.
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DIVERSIFY! DIVERSIFY! DIVERSIFY!
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Insurance and Annuities Offer Protection -- With Interest -- In Stormy Financial Times.
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Annuities Offer Safe Harbor -- With Interest.
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Selling Your Insurance Policy Can Net Funds to Live On
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PRESERVING WEALTH -- A New Column by Richard S. Bernstein
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How to protect your children from inheritance taxes when traditional life insurance is not an option.
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Letter to the Editor of The Palm Beach Post from Richard S. Bernstein which appeared Saturday, October 4, 2008. This letter explains that purchasers of AIG life insurance policies were not at risk and why.
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With over $5 trillion in assets and a conservative investment and underwriting profile, the life insurance industry is one of America's strongest business sectors. The life insurance industry has an unparalleled record of honoring its obligations.
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Reasons are abundant as to why HSAs are growing in popularity. The HSA model is a win-win situation for employers and employees!
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Savvy companies looking to help their employees with insurance are turning to HSA's to protect themselves from high premiums and to offer employees a creative way to shelter wages.
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You have worked hard for your money. Don't you deserve to shelter it from excessive taxation upon our passing?
Consider these tips for protecting your family fortune through private financing.
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Summaries of recent articles of HSA's from Kaiser Daily Health Policy Report.
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Savvy Businesses Using Health Savings Accounts To Combat Health Insurance Costs.
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