Situation: In another Counselor’s Corner article, we discuss how Section 1035 permits tax-free exchanges of life insurance policies. That article provided a detailed discussion of how to structure a life insurance exchange to qualify for Section 1035 tax treatment. In a nutshell, to qualify or tax-free exchange treatment under Section 1035 the transaction must be […]
OverviewThe purpose of this brochure is to provide a general discussion of basic trust principles. It includes, for your consideration, the essential elements of trusts, their advantages, tax and nontax reasons for using them, and the various types of trusts used by individuals in their estate documents.Should You Have a Trust?Reasons for establishing trusts are […]
No one really likes to think about needing long-term health care services, but the reality is that each year, an estimated 10 million Americans need some type of long-term care to assist them in performing everyday tasks like eating or bathing1. Long-term care expenses are a key risk to your clients’ retirement plan. If long-term […]
The current federal estate tax has gone through a constant stream of changes over the past few decades. There have been attempts to repeal the tax, changes to the exemption amount, and changes to the tax rates.In recent years the changes have favored reduced taxes, but this has not always been the case. During times […]
Virtually all demographic trends in the United States point to large future increases in the demand for long-term care services and support. By 2050, an estimated 27 million people will need long-term care support. The population over 65 will almost double by 2050. The population age 85 or older is set to double between 2015 […]
One of the themes we’ll explore in 2022 is “LIFE Goes On,” an examination of the pandemic’s continued effect on the life insurance industry. Since early 2020 we have seen numerous changes to products and pricing, along with a shift in the way business is conducted, with an acceleration in the creation and adoption of […]
A hallmark of wise planning is to diversify risk across a range of assets and asset types because any one asset or asset class might underperform in a given year. Diversification can help offset underperformance. This risk can be magnified when an individual has a heavy concentration in one stock or asset. While capital gain […]
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 […]
Website is for agent use only. Not for use with the general public. Privacy Policy | Terms of Use
Securities offered through The Leaders Group, Inc. Member FINRA/SIPC. 26 W. Dry Creek Circle, Suite 800, Littleton, CO 80120, 303.797.9080. Diversified Brokerage Services is not affiliated with The Leaders Group, Inc.
Before investing, research the background and registration status of any firm or financial professional you are considering dealing with at: http://brokercheck.finra.org/
Designed by Apis Productions