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Life insurance can offer much more than protection for loved ones. It can also help your clients achieve a variety of retirement goals including: Filling in gaps in retirement savings That may result from events such as premature death or job loss. Meeting late-retirement needs and legacy goals such as leaving assets for children or […]
Most people think planning for retirement involves saving as much money as possible and investing it wisely by diversifying. But in addition to diversifying investments, smart retirement savers also consider how taxes will affect their retirement dollars. There are a number of ways to save for retirement and withdraw income once retirement arrives. It’s important […]
Business owners invest time, energy, and money to develop and grow their business. Over time the business often becomes the source of the family’s livelihood and a major portion of their estate. It’s not unusual to hear that the business is also the source of the owner’s retirement. Unfortunately, many owners don’t have a clear […]
Read our print-friendly PDF version The combination of depressed market values and the historically high gift/estate exemption of $12,920,000 (2023 indexed) opens the door to significant wealth transfer planning opportunities for high net worth individuals and their families. While making a gift of an amount equal to a large part of, or all of, the […]
Situation: In my work with business owners, I’ve often noticed financial advisors leading with buy-sell/business succession planning. Having a succession plan in place protects the owner’s family in the event of an untimely death, but for relatively new businesses or younger business owners such a conversation may fall on “deaf ears.” Even with more mature […]
One of the easiest strategies to explain and implement with business owners is Key Person coverage. The primary purpose of insuring a key person is to help the business get through potentially difficult times should a key person die. A key person can be the business owner or a valued employee. Depending on who the […]
When a loved one dies, there are a number of things that must be taken care of ranging from planning the funeral, managing financial concerns, to taking care of the family pet. Even when the death is expected, it’s still a time of shock and stress, so it’s helpful to have a checklist to walk […]
In 2023, you can give away more… • The amount you can give away (gift exemption) without owing any federal gift tax is the highest it has ever been – $12,920,000.• However, President Biden campaigned on raising taxes and has proposed to tax the transfer of property as low as $3,500,000 at a rate of […]
NFP Acquires Diversified Brokerage Services, Inc., Expanding its Life Insurance Distribution Capabilities Acquisition adds a well-established brokerage general agency (BGA) specializing in supporting life insurance sales for financial advisors across the country NEW YORK – April 21, 2023 – NFP, a leading property and casualty broker, benefits consultant, wealth manager and retirement plan advisor, today announced […]
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