As the calendar year draws to a close, individuals and businesses have a valuable opportunity to review their financial positions and take strategic steps to minimize tax liabilities. By helping your clients assess their income, expenses, investments, and changes brought about by the recent legislation and rulings, you can help your clients make informed decisions […]
When focusing on retirement planning with life insurance, we at DBS would like to examine how the strategies pertain to women. The numbers are clear: women face greater challenges when it comes to retirement planning, and their wants and needs are unique. The DBS Case Design Team has the experience you need to help you […]
The Necessity of Long-Term Care in Retirement Planning When helping their clients formulate plans for retirement, financial advisors must now account for life expectancies into the early 90s. However, the simultaneous need for long-term care planning isn’t accounted for nearly as widely as it should be, considering the significant impact that long-term care expenses can […]
Underwriting long-term care risk is very different from life insurance underwriting, and it all comes down to mortality vs. morbidity. Long-term care underwriting looks at morbidity risk, which takes into account medical impairments that impact a client’s ability to perform daily living activities which would indicate a need for long-term care. Life underwriting, on the […]
The Importance of Planning for Long-Term Care Medical advancements have made living a long, fulfilling life a near certainty – and planning for that is a necessity. Health-related expenses can increase considerably with age, especially in the face of health problems requiring long-term care. When families don’t sufficiently plan for long-term care, they may find […]
Situation: The rapid growth of the senior population, ever increasing life expectancy, and dismal retirement saving rate, along with the questionable stability of government programs like Medicaid, Medicare, and Social Security, put the United States on the verge of having more impoverished seniors than ever. Against this backdrop, states are exploring options to cover the […]
Let’s face it: people are living longer than ever before. This increased life expectancy means that chances are high that many of your clients will be impacted by a chronic illness or an event requiring long-term care. Because of this, you need to prepare them financially. Continue reading our print-friendly PDF here.
Business transition planning for a closely held business is necessary because eventually, an owner will leave the business in one way or another. Regardless of the way in which an owner departs, a business faces the likelihood of liquidation without proper planning. Under such circumstances, the result is usually a forced sale at fire sale […]
What 6 topics should your family consider?
The “One Big Beautiful Bill Act” (OBBBA), signed into law on July 4, 2025, combines permanent extension of many 2017 Tax Cut and Jobs Act (TCJA) provisions with new tax rules that will impact many taxpayers. Three groups of taxpayers poised to benefit the most from the tax law changes are age 65+ seniors, individuals […]
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