Advisor Education & Training Center
Retirement Planning
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.
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
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.
Designing Accumulation-Focused IUL Without Sacrificing Long-Term Flexibility
⏲ 2 min read ⏲ Chasing maximum accumulation can introduce hidden risks. A balanced IUL design prioritizes sustainable cash value growth while preserving policy flexibility and downside protection.
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.
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.
