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Strategic Positioning with Life Insurance

Click here for PDF Even Billionaires need insurance policies (40 billionaires claim dual residency here in South Florida, according to the 2016 Forbes’ World’s Billionaires list) to protect their vast assets, massive homes, golf courses, businesses and huge liquidity needs. The record for the largest insurance policy ever purchased was for $201 million dollars, bought […]

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5 Ways to Leverage your Life Insurance

Click for PDF   Most people purchase life insurance to provide for their heirs upon their death, but did you know that life insurance can do more than replace someone’s income? Below are five ways that life insurance can be used as a financial planning tool:   1. Fund or Save a Business and Provide […]

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Legacy Planning Through Charitable Contributions

Click here for PDF Did you know you can leave a lasting legacy for your favorite charity without writing a check? The donation of a life insurance policy can benefit both you and your charity. Just a small contribution can have a big payoff later. How can you use life insurance as a wealth replacement […]

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Have You Had the Right Conversation

Click here for PDF   There is a wide divergence when it comes to how families communicate their estate and wealth transfer plans. It is each family’s decision how much to share with their children, but in our experience, this communication is a big step in protecting wealth. One concern we see is that most […]

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Lifetime Planning for Special Needs Children

Click here for PDF As a parent of a special needs child, our family faces unique estate planning issues.   A special needs child will often require expensive care and support long after the parents are able to care for the child. Having a properly drafted Special Needs Trust (SNT) allows the parents to take […]

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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 […]

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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 […]

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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 […]

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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 […]

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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 […]

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