With the enactment of the legislation known as the Tax Cuts and Jobs Act of 2017, a new provision of the Internal Revenue Code was born: Section 199A. The impact of the legislation is significant and likely impacts most financial advisors’ business clients as well as financial advisors themselves. A recent case illustrates how our […]
The business market has unique planning consideration, and the fact is, many business owners have failed to get their “ducks in a row.” Take a look at the statistics we’ve compiled that show the opportunity that exists for this client type. Contact DBS for help with all the different approaches and solutions! Read the print-friendly […]
Situation: Over the past several years a number of life insurance carriers and marketing organizations have been promoting the use of life insurance as a source of cash in retirement: accessing values when the market takes a down-turn on a tax-free basis. Since more economists believe that recession might be around the corner, now is a […]
A number of “what if’s” can happen to your clients as they reach retirement, but you can help ensure they have enough to last through the end of their golden years. Check out this consumer approved flyer that will help get the conversation started! Read the print-friendly PDF flyer. Click here!
We’re focusing this month on effective legacy planning techniques. A recent case illustrates how the DBS Case Design Team was able to analyze the client situation, take into account all the desired outcomes, and find a life insurance solution to fit their needs. Read the print-friendly PDF flyer. Click here!
Some people who have been successful in saving for retirement have established a large enough nest egg to be able to create a legacy for their children, grandchildren or favorite charities. While tax-qualified retirement plans were designed to help people fund their retirement, they also serve a useful purpose for some in passing wealth to […]
Situation: Early in our insurance careers, many of us learned that life insurance enjoys many tax-favored benefits. Specifically, we learned that unlike annuities, withdrawals from a life insurance policy are not taxable to the extent they do not exceed the cost basis of the policy. Furthermore, loans of any amount permitted by the insurance carrier […]
This article is available as a print-friendly PDF handout. Click here! Women today represent a diverse and multifaceted segment of the financial planning marketplace. In fact, women account for 85% of all consumer purchases.1 Furthermore, today’s women are highly educated and more financially empowered than ever before. However, evidence suggests that their financial planning needs […]
This article is also available as a print-friendly PDF handout. Click here! We’re focusing this month on retirement planning with life insurance, and we’re examining 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 […]
This article is also available as a print-friendly PDF handout. Click here! By Terri Getman, JD*, CLU, ChFC, RICP, AEP (Distinguished) Americans are not prepared for retirement – and it’s no secret that women face greater financial challenges in retirement than their male counterparts. Generally, women earn less than men, are more likely to work […]