Advisor Education & Training Center
Asset Based Long Term Care
1035 Exchange or Surrender How to Make the Right Call When a Policy No Longer Fits
⏲ 3 min read ⏲ When an existing life policy stops doing its job, the decision isn’t automatic. Understanding when to exchange, when to surrender, and when to hold can unlock better outcomes for both…
How Recent Tax Legislation Can Be Applied Strategically in Business Planning
⏲ 6 min read ⏲Major tax legislation creates planning opportunities beyond deductions. Businesses that understand the implications can position themselves more effectively.
When Annuity-Based Asset-Based LTC Solutions Make Sense
⏲ 7 min read ⏲ Asset-based LTC isn’t one-size-fits-all. Annuity-based designs can offer predictable outcomes for clients prioritizing certainty and leverage.
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.
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.
How a Split Annuity Strategy Reshaped Outcomes in a Real-World Case
⏲ 2 min read ⏲ Split annuity designs can produce unexpected leverage when applied correctly. This case study illustrates how structure—not timing—drove results.
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
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.
Preparing for State-Based Long-Term Care Programs Without Over-Committing Client Capital
⏲ 9 min read ⏲ Public long-term care programs are evolving quickly. Advisors who understand how to plan around them can protect client liquidity while keeping private solutions in reserve.
Modernizing Executive Benefits Without Reinventing the Wheel
⏲ 6 min read ⏲ Outdated benefit designs miss today’s executive expectations. A refreshed approach can improve retention and outcomes without unnecessary complexity.
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.
Managing Aging Life Insurance Policies Before They Become a Liability
⏲ 2 min read ⏲ As policies mature, their original assumptions change. Proactive review helps clients avoid unpleasant surprises and preserves planning flexibility.
