Home

Time To “Spring Clean” Your Insurance Portfolio

Click for PDF Version March has arrived, and with it comes “Spring Cleaning”, that time of year when people clear the clutter taking up space in their homes – and their lives. The real junk goes in the trash or recycling bin.  Some people may test out Ebay or Craigslist.  The even wiser person asks […]

Read More

Have You Equalized Your Estate?

Click for PDF Version In some cases it may be difficult to allocate assets equally to children if the estate has a large business interest, home or other asset which should pass to only one of the children. Assume Mom and Dad have a son and daughter whom they wish to treat equally. Assume the […]

Read More

Bank on Insurance

Click for PDF Version You might be surprised to learn that many banks often choose to make life insurance a significant percentage of their top-tier or “Tier 1” capital pools. Banks retain billions of life insurance on their books in order to provide liquidity to substantiate the banks’ other more risky practices. Therefore, the ability […]

Read More

Rand Paul’s Healthcare Proposal Aligns with Richard S. Bernstein’s

Click here for PDF Version Last week Richard S. Bernstein released his article “The Trump Healthcare Reform Act” in which he makes ten proposals that could be implemented in replacing the Affordable Care Act (ACA). This week, Senator Rand Paul released an outline of his proposal to replace the ACA, Dr. Rand Paul’s Obamacare Replacement […]

Read More

A Change in President Means a Change in Tax Law

Click here for PDF Version Donald Trump’s presidency is expected to bring major tax changes.  These will significantly affect all of us. It is important to understand the impact of the changes in order to properly plan to minimize taxes. Some of the potential changes are discussed below. Income tax rates President Trump’s proposal would […]

Read More

The Trump Healthcare Reform Act

Click here for PDF Version With President Trump comes a new opportunity for healthcare reform.  The Affordable Healthcare Act, also known as Obamacare, has failed to meet the needs of many Americans and caused skyrocketing costs to policyholders and institutions.  President Donald J. Trump can repeal Obamacare and implement The Trump Healthcare Reform Act which […]

Read More

Even Legends Die Young

Click here for PDF version A long time ago in a galaxy far, far away, the world was shocked when the first installment of the epic space saga Star Wars was released. Since then, Carrie Fisher, the actress, author, and screenwriter who played Princess Leia, has been an icon of grit and hope for many […]

Read More

Will President-elect Trump Use His Executive Power to Simply Unified Fiduciary Standards

Click here for the PDF version Employees Are At Risk of Losing Investment Advice The Department of Labor’s Fiduciary Rule sponsored by Senator Elizabeth Warren and President Obama “effective April 10, 2017” essentially extends ERISA requirements covering employer-sponsored retirement plans to Individual Retirement Accounts, thereby requiring financial advisors to put their clients’ interests first when offering […]

Read More

WILL PRESIDENT TRUMP USE HIS EXECUTIVE POWER TO CHALLENGE THE IRS ON VALUATION DISCOUNTS?

Click here for the PDF version New IRS Regulations May Be Issued as Early as End of 2016 By: Richard S. Bernstein, CEO & Lisa A. Schneider, Esq. Many estate planning techniques involve the transfer (normally through a gift or sale) of a minority interest in a closely held business from one generation to the next. Generally […]

Read More

OBAMA HEALTH PLAN COSTS TO SKYROCKET BY AN AVERAGE OF 25 PERCENT OR MORE

Click Here For The PDF Version Health Insurance Open Enrollment Begins November 1st. Are You Prepared? “It’s the craziest thing in the world” -Former President Bill Clinton (October 3, 2016) November 1st marks the beginning of the 2017 open enrollment to sign up for health insurance. Here are at least five things you must know before you […]

Read More