Retirement Planning: The Joy of Diversification
A curious conversation has popped up occasionally with clients, friends and family. It goes a step beyond those “what do you...
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Insurance Options for Funding Long-Term Healthcare
We’ve written a good deal about the problem of funding long-term healthcare costs. People are living ever longer, with the average...
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More Stimulus Is Coming – Will Tax Cuts Be Part of the Package?
Is the coronavirus pandemic finally starting to abate? The initial signs are promising in some parts of the country and we can only...
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Business Planning: Corporate Tax Implications of a Democratic Win in November
We cannot predict who will win the presidential election in 2020. The likely candidates are identifiable: The Democratic Party will...
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Insurance Protection for Key People is Becoming Critical in Private Equity
Let us consider the men and women of private equity. They’re different from you and me. Whether they read F. Scott Fitzgerald or...
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Funding College: 529 or Life Insurance – Do You Really Need to Choose?
A discussion has been running around our virtual office of late – what’s the best way to fund a child’s university education? The...
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Considerations in Forming a Special Needs Trust
Estate planning is an important part of every family’s financial strategy, but parents with a special needs child have an even...
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Shifting Sands: Coronavirus, Regulatory Changes and the Insurance Business
A financial planner of our acquaintance, suffering a bit from e-cabin fever induced by the long New York lockdown, was lamenting...
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Hedge Now: Tax Hikes Likely in Coronavirus’s Wake
How much has the coronavirus outbreak cost the US federal government? Hard answers are in short supply – ideology and politics...
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For HNW Clients, Cash Value Life Insurance Offers Solid Planning Value
Universal and whole life insurance policies seem to be slipping out of favor with estate planners and financial advisors. They rate...
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Using Social Security to Create a Legacy Safety Net
It is with tempered joy that our team greets the news of a measured relaxing of stay-at-home and social distancing rules. Malls are...
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Create a Safe Destination for Company Cash Reserves
The COVID 19 pandemic has served up a number of lessons for us all, with some of these lessons coming at great cost. This is a...
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With Interest Rates at Rock Bottom, Asset Sales to Trusts are an Attractive Estate-Planning Strategy
While the COVID-19 pandemic has put many businesses on their heels, it’s presented unique opportunities to a few. Estate planning...
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Low Interest Rates Lead to a Surge in Estate Planning: Leverage a GRAT to Transfer Assets to Heirs on a Tax-Advantaged Basis
It’s said that every dark cloud has a silver lining, and even the COVID-19 pandemic has managed to engender one benefit. Namely...
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Advisory Expertise: Aiding Clients Worried About Unemployment
In the US, the coronavirus crisis has deeply undercut a formerly burgeoning economy. Millions of Americans have filed unemployment...
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Scrapping the Old Plans: Insurers Grapple with the Corona Crisis
Military leaders follow an old aphorism, trenchant and transferable to most walks of life. It runs like this: no plan survives...
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