Advisor Education & Training Center
Care Planning
Why Estate Planning Is Evolving Again—and What Advisors Need to Rethink
⏲ 4 min read ⏲ Estate planning isn’t just reacting to tax law changes. New tools and client expectations are reshaping how advisors structure flexibility, liquidity, and long-term control.
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.
How the Same Dollar Can Support Multiple Financial Goals
⏲ 4 min read ⏲ Strategic planning isn’t about choosing one objective over another. Some approaches allow capital to be positioned so it supports multiple outcomes over time.
A Multi-Purpose Planning Tool That Solves More Than One Problem at a Time
⏲ 4 min read ⏲ Some strategies earn their place because they address multiple planning needs simultaneously. Understanding when a single solution can replace several moving parts simplifies planning and improves outcomes.
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.
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
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.
