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.
Planning Categories
Finding a Middle Ground Between MYGAs and FIAs
⏲ 3 min read ⏲ Some clients want more than a MYGA but less complexity than an FIA. Understanding hybrid positioning helps fill that gap.
Using Downside-Protected Life Insurance as a Strategic Income Tool
⏲ 7 min read ⏲ Some life insurance structures can support income planning while managing downside risk. Understanding the tradeoffs is essential to using them effectively.
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
How to Fix Executive Benefit Gaps and Retain Top Talent Without Overhauling the Whole Plan
⏲ 3 min read ⏲ Top performers expect more robust benefits. Learn how to plug holes using targeted, high-impact strategies.
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.
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.
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
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Outdated benefit designs miss today’s executive expectations.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.
