Advisor Education & Training Center
Affluent
The Hidden Tax Risk of Self-Funding Long-Term Care
⏲ 4 min read ⏲ Paying for care out of pocket may seem straightforward, but it can trigger significant tax consequences. Planning ahead reduces both financial and tax exposure.
Designing Indexed UL with a Clear Exit Strategy in Mind
⏲ 4 min read ⏲ Not every policy should be held forever. Building an exit strategy into indexed UL design helps manage risk and preserve flexibility.
Using Long-Term Care Planning to Improve Tax Efficiency
⏲ 4 min read ⏲ Certain LTC strategies can offer tax advantages beyond protection. When structured properly, premiums may support broader tax planning objectives.
Has Product “Style Drift” Changed How Indexed UL Should Be Evaluated
⏲ 6 min read ⏲ As indexed UL products evolve, their risk and reward profiles can shift. Advisors need to understand how style drift affects long-term expectations and suitability.
The Overlooked Planning Implication Hidden in the Connelly Decision
⏲ 4 min read ⏲ Beyond the headlines, certain court decisions reveal planning nuances that advisors can leverage—or ignore at their clients’ expense.
Finding a Middle Ground Between MYGAs and FIAs
⏲ 3 min read ⏲ Some clients want more than a MYGA but less complexity than an FIA. Understanding hybrid positioning helps fill that gap.
Using Downside-Protected Life Insurance as a Strategic Income Tool
⏲ 7 min read ⏲ Some life insurance structures can support income planning while managing downside risk. Understanding the tradeoffs is essential to using them effectively.
How to Use Life Insurance to Rescue Clients From Punishing Bank Loan Rates
⏲ 5 min read ⏲ Commercial loan terms have gotten brutal. Show clients how policy assets can be used to restructure debt, reduce financing costs, and regain liquidity control.
How to Capture Business in the First Big Stage of the Trillion-Dollar Wealth Transfer
⏲ 3 min read ⏲ The first transfer happens when one spouse dies. Advisors who understand this can win business earlier and retain households longer
How to Fix Executive Benefit Gaps and Retain Top Talent Without Overhauling the Whole Plan
⏲ 3 min read ⏲ Top performers expect more robust benefits. Learn how to plug holes using targeted, high-impact strategies.
Building Buy-Sell Agreements That Work Before and After a Business Owner’s Death
⏲ 6 min read ⏲ A buy-sell plan shouldn’t only function at death. Structuring agreements with living benefits creates flexibility, tax efficiency, and smoother ownership transitions.
Rethinking Life Insurance as a Strategic Asset, Not Just a Death Benefit
⏲ 4 min read ⏲ Life insurance plays a broader role than most clients realize. When positioned correctly, it becomes a flexible planning asset that supports liquidity, risk management, and long-term strategy
How to Resize Permanent Life Insurance for the Retirement Years
⏲ 5 min read ⏲ What worked during accumulation may not fit retirement. Rightsizing coverage helps align insurance with income needs, tax planning, and legacy goals
Succession Planning for Single-Owner Businesses Without a Built-In Backup Plan
⏲ 5 min read ⏲ Without a second owner, succession risk is magnified. Strategic planning creates continuity, liquidity, and options long before an exit is required.
The ‘Second Sale’ Opportunity Created by the End of the Stretch IRA
⏲ 2 min read ⏲ SECURE Act changes created new planning challenges—and opportunities. Advisors who understand the second-sale dynamic can deliver meaningful value post-inheritance.
Using Life Insurance to Hedge Against LTC and Estate Tax Uncertainty
⏲ 6 min read ⏲ Legislative uncertainty makes planning difficult. Life insurance can act as a flexible hedge against both long-term care costs and future estate tax exposure.
