When a life insurance application has already been submitted, but the client hasn’t completed the final delivery requirements, it can feel like the hard part is done. In reality, this is the moment when the risk of losing the coverage is at its highest. Until the policy is formally placed in force, the client is […]
Do any of these questions concern you? Could your business continue without you or another key person? Are you counting on your business to provide a significant part of your retirement income? Could you get the value you want if you sold your business today? Will your family have financial security if something unexpected happens […]
If you are new to working in the business market, you may fear that “talking shop” with business owners at a social gathering could be considered tacky. Fortunately, there is a simple way to get your message across without coming across as tacky. Just ask questions. But not just any questions. Ask questions that anyone […]
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 […]
State death taxes have emerged as the primary concern for most individuals because it’s not unusual for a state to assess taxes even where federal taxes are avoided. Furthermore, in light of the recent proposed changes at the federal level, individuals should consider reviewing their estate plans. Click the link below to view the full list […]
A careful review of a client’s tax returns can provide insight into their insurance and financial planning needs. A review of the lines on a tax return can lead to conversations about:Basic needs analysis and college fundingRetirement and extended care planningLegacy & charitable planningBusiness planningAdditionally, comparing last year’s tax return to this year’s tax return […]
Situation: As we enter 2026, life insurance planning stands at the intersection of evolving tax policies brought about by the One Big Beautiful Bill Act and the focus on our clients’ long-term financial resilience. Life insurance is recognized not only as a tool for income protection but also as a component of broader wealth, estate, […]
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