Advisor Education & Training Center
Affluent
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.
The Overlooked Risk in Executive Benefits Disability Planning Gaps
⏲ 2 min read ⏲ Disability risk is often underestimated in executive planning. Identifying and addressing these gaps protects both income and long-term retirement strategies.
Solving the Key Employee Retention Gap Traditional Benefits Leave Behind
⏲ 2 min read ⏲ Top performers expect more than standard benefits. Life insurance-based strategies can bridge the gap between retention, retirement planning, and long-term employer objectives.
Addressing the Executive Retirement Gap Without Adding Excess Complexity
⏲ 2 min read ⏲ Many executive retirement plans fall short of expectations. Thoughtful benefit design can enhance retirement outcomes without over-engineering the solution
Why Asset Location Matters as Much as Asset Allocation
⏲ 3 min read ⏲ How assets are positioned can be just as important as how they’re invested. Strategic asset location improves tax efficiency and long-term portfolio performance.
When Life Insurance Becomes an Asset Identifying Settlement Opportunities for Clients
⏲ 1 min read ⏲ Policies that no longer serve their original purpose may still hold meaningful value. Knowing when a life settlement makes sense can uncover opportunities clients didn’t know they had.
