Wholly Appealing: The Planning Benefits of Whole Life Insurance for HNW Clients
My father was a straight arrow, as true flying as they come, but he wasn’t without his New England oddities. I’m not talking about...
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Surprises at Every Crossing: Permanent Life Insurance and the Allure of Its Cash Component
I just read a stimulating article in which the author said she uses a high deductible health plan (HDHP), specifically its attached...
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Fairness Is Our Business: Assuring Covid Survivors Aren’t Denied Life Insurance
Life insurance. It’s a curious old business. The customer buys a product and reduces their risk. The provider selling that policy...
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Waiting, Expectantly: Preparing for Eventual Higher Estate Taxes
I called one of my first colleagues in finance, a London-born specialist now in estate planning, who works out of Baltimore. What...
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You’re Coverable: Life Insurance for Cancer Survivors
Dan beat cancer. The best healthcare in Boston, the good vibes and prayers of his loved ones and his own iron determination took...
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Not If, But When – Preparing for the Biden-Tax-Boost Era
My old friend Jim called me after midnight from a parking lot in Houston. He sounded winded, distracted. Apart from the cellphone...
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Alive and Kicking: SECURE Act Provisions Still Tripping Up Clients
The Stretch IRA stratagem: in the old days, I wrote about it so often, I often wished it would vanish. I’ll take anything else, so...
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Madness Diagnosis Overstated: Biden Unlikely to Wipe Out 401(k) – But Adjustments Are Possible
The things those candidates say. Last summer, during the presidential campaign – it seems so distant now, thankfully – the Biden...
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Year-End Changes to IRC Code is Win for the Insurance Industry
The New Year rang in a victory for the insurance industry via the introduction of long-needed changes to Internal Revenue Code...
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Show Me Your Budget: Upcoming Tax Changes Under President Biden
My father used to say: if you want to know somebody’s values, don’t listen to words – look at their budget. Show me the budget!...
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Let Your Grand Strategy Guide: Planning for Changing Times
So the Democrats have triumphed, winning White House and Congress, and no, I don’t know what will now happen. I do have some pretty...
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Joe, We Hardly Know You: Planning When the Future’s Opaque
You can breathe: Joseph Robinette Biden Jr. is now the 46th US president, with Kamala Devi Harris second in line. The dust has now...
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Misconceptions of Estate Planning – and Some Efficient Solutions
We start out with best intentions. Why does it all go haywire? Poor planning; wishful thinking. The tangle of details, brambles and...
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Equally Loved, Unequally Abled: How to Divide Inheritance Among Your Children
We face something of a moral issue today, one where survey and calculation do us no good. We face something of a moral issue today...
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Learning to Love: The Rising Desire for Life Insurance
It needs to be said, but I’ll soften the indecorous ‘I told you so’ with smoothly digestible Latin: Quod erat demonstrandum. QED...
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The Contrary Faces of Indexed Universal Life
You shouldn’t know how sausage gets stuffed, policies cooked up, why the boss is so steamed. It’s best not to know; walk on and...
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