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# Cavalier Associates

## Sitemaps

- [XML Sitemap](https://cavalierassociates.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [1035 Exchange or Surrender How to Make the Right Call When a Policy No Longer Fits](https://cavalierassociates.com/1035-exchange-or-surrender-how-to-make-the-right-call-when-a-policy-no-longer-fits-fir/) - ⏲ 3 min read ⏲ When an existing life policy stops doing its job, the decision isn’t automatic. Understanding when to exchange, when to surrender, and when to hold can unlock better outcomes for both clients and advisors.
- [What Retirement Assets Shouldn't Have to Do](https://cavalierassociates.com/what-retirement-assets-shouldnt-have-to-do/) - ⏲ 3 min read ⏲ When every retirement need depends on the same assets, clients can become afraid to use them.
- [Choosing the right trustee essential for planning success](https://cavalierassociates.com/choosing-the-right-trustee-essential-for-planning-success/) - Trusts are becoming more popular in estate planning as Baby Boomers are expected to pass down $124 trillion over the next 12 years. However, selecting the wrong trustee can undermine these plans, potentially leading to mismanagement and family disputes. Estate planning attorneys suggest asking practical questions, communicating intentions clearly and specifying trustee duties to avoid
- [When LTC premiums become a tax strategy](https://cavalierassociates.com/when-ltc-premiums-become-a-tax-strategy/) - Clients may be able to use qualified long-term care insurance premiums to reduce their tax burden, but eligibility rules and payment choices can complicate the strategy. Advisors can explore how itemized deductions, age-based limits and HSA funds may make coverage more affordable while supporting a client's broader tax plan over time. Read more.
- [How IUL can support more predictable income](https://cavalierassociates.com/how-iul-can-support-more-predictable-income/) - Clients may value indexed universal life growth potential, but many also need greater certainty around retirement income, Social Security and legacy planning. On Sept. 10, advisors will explore guaranteed lifetime income, five S&P 500 crediting strategies, supplemental benefits and practical case-design applications. Learn how Secure Horizon may help address several client priorities. Register here.
- [Countering social media-driven insurance misconceptions](https://cavalierassociates.com/countering-social-media-driven-insurance-misconceptions/) - Social media platforms have become major sources of financial advice, especially among younger clients. Advisors are increasingly encountering clients who bring viral, sometimes inaccurate, insurance guidance from these outlets. Marcus Wiseman of RFM Digital suggests that advisors seek to understand what in the content resonates with clients, engage in open conversations, and provide contextually relevant,
- [Using Long-Term Care Planning to Improve Tax Efficiency Copy](https://cavalierassociates.com/using-long-term-care-planning-to-improve-tax-efficiency-fir/) - ⏲ 4 min read ⏲ Certain LTC strategies can offer tax advantages beyond protection. When structured properly, premiums may support broader tax planning objectives.
- [When Life Insurance Becomes an Asset Identifying Settlement Opportunities for Clients](https://cavalierassociates.com/when-life-insurance-becomes-an-asset-identifying-settlement-opportunities-for-clients/) - ⏲ 1 min read ⏲ Policies that no longer serve their original purpose may still hold meaningful value. Knowing when a life settlement makes sense can uncover opportunities clients didn’t know they had.
- [Asset-Based LTC Planning for Clients with Impaired Health](https://cavalierassociates.com/asset-based-ltc-planning-for-clients-with-impaired-health/) - ⏲ 2 min read ⏲ Traditional long-term care solutions don’t always work for impaired clients. Asset-based strategies can still provide meaningful coverage with greater certainty.
- [Managing Aging Life Insurance Policies Before They Become a Liability](https://cavalierassociates.com/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.
- [Why Asset Location Matters as Much as Asset Allocation](https://cavalierassociates.com/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.
- [Designing Accumulation-Focused IUL Without Sacrificing Long-Term Flexibility](https://cavalierassociates.com/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.
- [Addressing the Executive Retirement Gap Without Adding Excess Complexity](https://cavalierassociates.com/addressing-the-executive-retirement-gap-without-adding-excess-complexity/) - ⏲ 2 min read ⏲ Many executive retirement plans fall short of expectations. Thoughtful benefit design can enhance retirement outcomes without over-engineering the solution
- [Solving the Key Employee Retention Gap Traditional Benefits Leave Behind](https://cavalierassociates.com/solving-the-key-employee-retention-gap-traditional-benefits-leave-behind/) - ⏲ 2 min read ⏲ Top performers expect more than standard benefits. Life insurance-based strategies can bridge the gap between retention, retirement planning, and long-term employer objectives.
- [The Overlooked Risk in Executive Benefits Disability Planning Gaps](https://cavalierassociates.com/the-overlooked-risk-in-executive-benefits-disability-planning-gaps/) - ⏲ 2 min read ⏲ Disability risk is often underestimated in executive planning. Identifying and addressing these gaps protects both income and long-term retirement strategies.
- [Using Life Insurance to Hedge Against LTC and Estate Tax Uncertainty](https://cavalierassociates.com/using-life-insurance-to-hedge-against-ltc-and-estate-tax-uncertainty/) - ⏲ 6 min read ⏲ Legislative uncertainty makes planning difficult. Life insurance can act as a flexible hedge against both long-term care costs and future estate tax exposure.
- [The ‘Second Sale’ Opportunity Created by the End of the Stretch IRA](https://cavalierassociates.com/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.
- [Succession Planning for Single-Owner Businesses Without a Built-In Backup Plan](https://cavalierassociates.com/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.
- [Modernizing Executive Benefits Without Reinventing the Wheel](https://cavalierassociates.com/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.
- [How to Resize Permanent Life Insurance for the Retirement Years](https://cavalierassociates.com/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
- [Rethinking Life Insurance as a Strategic Asset, Not Just a Death Benefit](https://cavalierassociates.com/rethinking-life-insurance-as-a-strategic-asset-not-just-a-death-benefit-2/) - ⏲ 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
- [Building Buy-Sell Agreements That Work Before and After a Business Owner’s Death](https://cavalierassociates.com/building-buy-sell-agreements-that-work-before-and-after-a-business-owners-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](https://cavalierassociates.com/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 Fix Executive Benefit Gaps and Retain Top Talent Without Overhauling the Whole Plan](https://cavalierassociates.com/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.
- [How to Capture Business in the First Big Stage of the Trillion-Dollar Wealth Transfer](https://cavalierassociates.com/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 Use Life Insurance to Rescue Clients From Punishing Bank Loan Rates](https://cavalierassociates.com/how-to-use-life-insurance-to-rescue-clients-from-punishing-bank-loan-rates/) - ⏲ 5 min read ⏲ Commercial loan terms have gotten brutal. Show clients how policy assets can be used to restructure debt, reduce financing costs, and regain liquidity control.
- [Using Downside-Protected Life Insurance as a Strategic Income Tool](https://cavalierassociates.com/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.
- [Finding a Middle Ground Between MYGAs and FIAs](https://cavalierassociates.com/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.
- [How a Split Annuity Strategy Reshaped Outcomes in a Real-World Case](https://cavalierassociates.com/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.
- [The Overlooked Planning Implication Hidden in the Connelly Decision](https://cavalierassociates.com/the-overlooked-planning-implication-hidden-in-the-connelly-decision/) - ⏲ 4 min read ⏲ Beyond the headlines, certain court decisions reveal planning nuances that advisors can leverage—or ignore at their clients’ expense.
- [Has Product “Style Drift” Changed How Indexed UL Should Be Evaluated](https://cavalierassociates.com/has-product-style-drift-changed-how-indexed-ul-should-be-evaluated/) - ⏲ 6 min read ⏲ As indexed UL products evolve, their risk and reward profiles can shift. Advisors need to understand how style drift affects long-term expectations and suitability.
- [The Buy-Sell Cost Basis Problem Most Owners Don’t See Coming](https://cavalierassociates.com/the-buy-sell-cost-basis-problem-most-owners-dont-see-coming/) - ⏲ 5 min read ⏲ Cost basis issues can quietly undermine buy-sell plans. Proactive design helps prevent unintended tax consequences at the worst possible time.
- [Using Long-Term Care Planning to Improve Tax Efficiency](https://cavalierassociates.com/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.
- [Designing Indexed UL with a Clear Exit Strategy in Mind](https://cavalierassociates.com/designing-indexed-ul-with-a-clear-exit-strategy-in-mind/) - ⏲ 4 min read ⏲ Not every policy should be held forever. Building an exit strategy into indexed UL design helps manage risk and preserve flexibility.
- [The Hidden Tax Risk of Self-Funding Long-Term Care](https://cavalierassociates.com/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.
- [Why Estate Planning Is Evolving Again—and What Advisors Need to Rethink](https://cavalierassociates.com/why-estate-planning-is-evolving-againand-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.
- [A Little-Known Estate Tax Planning Opportunity for Foreign Nationals](https://cavalierassociates.com/a-little-known-estate-tax-planning-opportunity-for-foreign-nationals/) - ⏲ 3 min read ⏲ Foreign nationals face unique estate tax exposure in the U.S. Certain planning structures can dramatically reduce that risk when implemented correctly.
- [When Annuity-Based Asset-Based LTC Solutions Make Sense](https://cavalierassociates.com/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.
- [Designing Buy-Sell Strategies That Stay Flexible Without Adding Complexity](https://cavalierassociates.com/designing-buy-sell-strategies-that-stay-flexible-without-adding-complexity/) - ⏲ 5 min read ⏲ Buy-sell agreements often fail when they’re too rigid. Smarter design allows flexibility to evolve as businesses grow—without creating administrative headaches
- [Can Insurance Play a Role in Managing Market Downside Risk](https://cavalierassociates.com/can-insurance-play-a-role-in-managing-market-downside-risk/) - ⏲ 5 min read ⏲ Insurance isn’t a replacement for investing, but certain structures can help mitigate downside exposure while preserving long-term planning objectives.
- [How the Same Dollar Can Support Multiple Financial Goals](https://cavalierassociates.com/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.
- [When Business Insurance Stops Matching the Business It Protects](https://cavalierassociates.com/when-business-insurance-stops-matching-the-business-it-protects/) - ⏲ 4 min read ⏲ As businesses grow, insurance strategies often stay frozen. Periodic review ensures coverage evolves alongside valuation, ownership structure, and risk exposure.
- [Flexible Funding Approaches That Keep ILITs From Becoming a Burden](https://cavalierassociates.com/flexible-funding-approaches-that-keep-ilits-from-becoming-a-burden/) - ⏲ 4 min read ⏲ Rigid funding structures can undermine even well-designed ILITs. Flexibility in premium strategy helps preserve long-term success and family harmony
- [A Multi-Purpose Planning Tool That Solves More Than One Problem at a Time](https://cavalierassociates.com/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.
- [Planning Ahead for an Inheritance That Hasn’t Arrived Yet](https://cavalierassociates.com/planning-ahead-for-an-inheritance-that-hasnt-arrived-yet/) - ⏲ 4 min read ⏲ Projected inheritances create planning opportunities—and risks. Coordinating expectations early helps avoid surprises and inefficiencies later.
- [How Recent Tax Legislation Can Be Applied Strategically in Business Planning](https://cavalierassociates.com/how-recent-tax-legislation-can-be-applied-strategically-in-business-planning/) - ⏲ 6 min read ⏲Major tax legislation creates planning opportunities beyond deductions. Businesses that understand the implications can position themselves more effectively.
- [1035 Exchange or Surrender How to Make the Right Call When a Policy No Longer Fits](https://cavalierassociates.com/1035-exchange-or-surrender-how-to-make-the-right-call-when-a-policy-no-longer-fits/) - ⏲ 3 min read ⏲ When an existing life policy stops doing its job, the decision isn’t automatic. Understanding when to exchange, when to surrender, and when to hold can unlock better outcomes for both clients and advisors.
- [The Hidden Risk in Relying on Back-Casted Index Data](https://cavalierassociates.com/the-hidden-risk-in-relying-on-back-casted-index-data/) - ⏲ 3 min read ⏲ Back-casted index data can make strategies look stronger than they ever were. The fix isn’t finding a better index—it’s resetting how you frame expectations.
- [The Overlooked Alternative to Declined Life Insurance Cases ](https://cavalierassociates.com/the-overlooked-alternative-to-declined-life-insurance-cases/) - ⏲ 3 min read ⏲ No underwriting. No delays. Just a predictable way to leave something behind.
- [The Unmanaged Asset Hiding in Plain Sight ](https://cavalierassociates.com/the-unmanaged-asset-hiding-in-plain-sight/) - ⏲ 4 min read ⏲ A life insurance policy is not just paperwork in a file. It is an active planning decision until someone proves otherwise.
- [Succession Planning for Single-Owner Businesses Without a Built-In Backup Plan](https://cavalierassociates.com/succession-planning-for-single-owner-businesses-without-a-built-in-backup-plan-fir/) - ⏲ 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](https://cavalierassociates.com/the-second-sale-opportunity-created-by-the-end-of-the-stretch-ira-fir/) - ⏲ 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.
- [Interest in protected income high, but formal plans lacking](https://cavalierassociates.com/interest-in-protected-income-high-but-formal-plans-lacking/) - Most Americans approaching retirement have considered income generation but lack formal plans, according to LIMRA's Retirement Income Readiness Report. The report indicates that 88% of pre-retirees have considered retirement income, but only 50% have a plan and just 40% work with financial advisors. The report also highlights strong interest in guaranteed lifetime income, with 74%
- [Financial underwriting explained](https://cavalierassociates.com/financial-underwriting-explained/) - Financial underwriting can be one of the biggest obstacles to placing larger life insurance cases when income, net worth and requested face amount don't align. Learn how underwriters evaluate financial justification, what documentation strengthens a case and practical strategies for obtaining the requested coverage the first time in this Aug. 27 virtual event.
- [How to plan for a solo business owner's exit](https://cavalierassociates.com/how-to-plan-for-a-solo-business-owners-exit/) - Many business owners assume succession planning requires a co-owner, leaving single-owner businesses vulnerable to unexpected retirement, disability or death. Discover planning strategies that use trusts, key employees and life insurance to create flexible exit solutions while helping protect business value and client goals. Read more.
- [Planning for inherited IRA assets](https://cavalierassociates.com/planning-for-inherited-ira-assets/) - Many conversations about inherited IRAs now end after assets are distributed, but law changes regarding inherited IRAs have created new planning opportunities for proactive advisors. Discover how changing beneficiary rules can naturally lead to a valuable second client conversation that strengthens relationships across generations while uncovering an additional planning opportunity. Read more.
- [Report: Probate costs shape estate planning decisions](https://cavalierassociates.com/report-probate-costs-shape-estate-planning-decisions/) - Probate costs typically consume 3% to 8% of an estate's value, and states with higher fees and longer timelines, such as California, see more residents choosing trusts to avoid probate, according to a report from LegalZoom. The report also highlights that only 24% of Americans had a will in 2025, and more than half had
- [What’s Coming in WordPress 7.1? (Features & Screenshots)](https://cavalierassociates.com/whats-coming-in-wordpress-7-1-features-screenshots/) - WordPress 7.1 beta is now available for testing, and we have been running it on our test sites for the past week. The official release is scheduled for August 19, 2026, timed with WordCamp US. While WordPress 7.0 rebuilt the admin and introduced the AI Client, 7.1 turns to the editor. For the first time,
- [Matt: How ISO Works](https://cavalierassociates.com/matt-how-iso-works/) - Inspired by Om I’ve been getting back into my DSLR photography. I learned a lot about how ISO settings work from this delightful physics YouTube channel MinutePhysics.
- [Gutenberg Times: WordPress 7.1 Beta 3, AI in Action at #WCUS, Playground UI testing and more — Weekend Edition 370](https://cavalierassociates.com/gutenberg-times-wordpress-7-1-beta-3-ai-in-action-at-wcus-playground-ui-testing-and-more-weekend-edition-370/) - Hi, After a few month dealing with a bad knee and a bad back, I enjoy moving again. As long as the weather is nice, I will be biking, swimming and walking the city with all the tourists that populate downtown Munich. From an SEO veteran’s surprisingly upbeat take on WordPress market share to a
- [Aaron D. Campbell: WP2Shell: Coordination Was Part of the Protection](https://cavalierassociates.com/aaron-d-campbell-wp2shell-coordination-was-part-of-the-protection/) - WP2Shell showed that coordinated disclosure is more than a private warning. It's a system for turning trust, preparation, and fast execution into protection for users. The post WP2Shell: Coordination Was Part of the Protection appeared first on Aaron D. Campbell.
- [Open Channels FM: Our Guide to Open Channels FM Podcast Network’s Channels, Series, and Blog](https://cavalierassociates.com/open-channels-fm-our-guide-to-open-channels-fm-podcast-networks-channels-series-and-blog/) - A guide to better understand the content, both audio and written that makes the Open Channels Podcast Network what it is today.
- [The Rollover Strategy Most Advisors Miss: Turning Qualified Money into Tax-Free Long-Term Care](https://cavalierassociates.com/the-rollover-strategy-most-advisors-miss-turning-qualified-money-into-tax-free-long-term-care/) - ⏲ 7 min read ⏲ Discover how repositioning qualified retirement assets can help clients create leveraged, tax-free long-term care benefits—without requiring new out-of-pocket funds.
- [Federal loan caps reshape education funding, estate planning](https://cavalierassociates.com/federal-loan-caps-reshape-education-funding-estate-planning/) - The One Big Beautiful Bill Act has introduced hard caps on federal student loans, ending the era of unlimited borrowing for higher education. Graduate borrowing is now capped at $20,500 per year, while professional programs have a $50,000 annual limit. Attorney Matthew Erskine notes that the legislation also permanently increased the federal estate and gift
- [The advisor's role in bridging the estate planning gap](https://cavalierassociates.com/the-advisors-role-in-bridging-the-estate-planning-gap/) - Many Americans are aware of the importance of estate planning but fail to follow through, with procrastination being the main barrier, writes attorney Alex Hargrove. "Estate planning is not a legal document problem that occasionally surfaces in wealth management conversations," Hargrove writes. "It is a behavioral follow-through issue that falls squarely within the advisor's domain."
- [Guaranteed income emerges as a key support for widows](https://cavalierassociates.com/guaranteed-income-emerges-as-a-key-support-for-widows/) - Guaranteed income sources -- such as Social Security, pensions and annuities -- are crucial for widows coping with financial instability, according to a LIMRA report. Suzanne Norman of LIMRA notes that many widows are expressing interest in annuities, and advisors are focused on bridging financial gaps. Norman emphasizes the importance of guaranteed income as a
- [What to know about solo 401(k)s](https://cavalierassociates.com/what-to-know-about-solo-401ks/) - Solo 401(k)s may prove valuable for business owners with no staff. These plans allow entrepreneurs to contribute as both employers and employees, providing a potential edge over other plans, write Robert Bloink and William Byrnes. "Solo 401(k)s also can provide a Roth contribution option to allow the saver to create a stream of tax-free income
- [Annuities linked to lower financial stress, improved longevity](https://cavalierassociates.com/annuities-linked-to-lower-financial-stress-improved-longevity/) - Retirees with annuities experience reduced financial stress and increased longevity, according to a study published by the National Bureau of Economic Research. The study, which analyzed data from about 600,000 Chilean retirees, shows a 2.55% reduction in mortality over five years and a 3.62% reduction over 10 years among annuity holders. The study also notes
- [Why Life Insurance Underwriting Feels Broken Right Now](https://cavalierassociates.com/why-life-insurance-underwriting-feels-broken-right-now/) - ⏲ 6 min read ⏲ If you’ve had a “clean” life case get kicked out, rated, or declined with zero logic lately, it’s not you — underwriting really is feeling broken right now. Between accelerated/AI programs that operate like a black box, LTC riders being underwritten like a totally separate product, and carrier capacity shifting quietly behind the scenes, outcomes are getting harder to predict… and harder to explain. In this piece (with Chief Underwriter Ken Turscak), we unpack what’s actually driving the weird decisions — and the good news most advisors are missing: more clients are insurable today than your old assumptions say — if you know how to position the case and where to take it.
- [Unlocking Cash Flow and Retention Strategies Under the One Big Beautiful Bill](https://cavalierassociates.com/unlocking-cash-flow-and-retention-strategies-under-the-one-big-beautiful-bill/) - ⏲ 4 min read ⏲ Long-term care (LTC) isn’t just a line item in a financial plan — it’s a defining event in many families’ financial stories. Yet for many clients, it remains an afterthought — something to “get to later.”
- [Underwriting Mental Health: Depression, Anxiety, and Bipolar Cases Explained](https://cavalierassociates.com/underwriting-mental-health-depression-anxiety-and-bipolar-cases-explained/) - ⏲ 4 min read ⏲ Mental health is one of the most frequent—and often most misunderstood—factors in life insurance underwriting. Depression, anxiety, and bipolar syndrome come across our desks daily. Yet while these conditions are common, each case has unique factors that can mean the difference between a decline, a rated offer, or even a preferred class approval.
- [Turning Data into Decisions: Using eMoney to Model Long-Term Care Planning](https://cavalierassociates.com/turning-data-into-decisions-using-emoney-to-model-long-term-care-planning/) - ⏲ 4 min read ⏲ Long-term care (LTC) isn’t just a line item in a financial plan — it’s a defining event in many families’ financial stories. Yet for many clients, it remains an afterthought — something to “get to later.”
- [The Overlooked Side of Long-Term Care: Homemaker Services, Family](https://cavalierassociates.com/the-overlooked-side-of-long-term-care-homemaker-services-family/) - ⏲ 6 min read ⏲ Most people hear “long-term care” and picture wheelchairs, full-time nurses, and a facility calendar packed with Salsa Tuesdays. In real life, though, the first wave of care almost always starts at home—and it’s not strictly medical. It’s the grocery run. The laundry. The ride to the appointment. The coffee someone brews when you can’t safely lift the kettle.
- [Underwriting & the Rise of TRT, HGH, and Supplements](https://cavalierassociates.com/underwriting-the-rise-of-trt-hgh-and-supplements/) - ⏲ 4 min read ⏲ In the past few years, one of the fastest-growing underwriting trends we’ve seen isn’t around traditional conditions like diabetes or heart health
- [Succession Solutions for Single Owner Businesses](https://cavalierassociates.com/succession-solutions-for-single-owner-businesses-2/) - ⏲ 5 min read ⏲ The lack of a second business owner does not eliminate the need for effective buy/sell planning.
- [Can You Spend the Same Dollar Twice?](https://cavalierassociates.com/the-hidden-pitfalls-of-indexed-universal-life-can-you-really-have-it-all/) - ⏲ 3 min read ⏲ The Hidden Pitfalls of Indexed Universal Life: Can You Really Have It All? The answer, of course, is no. Yet, many clients may mistakenly believe otherwise when presented with Indexed Universal Life (IUL) illustrations designed with a “Swiss Army Knife” approach.
- [Split Annuity Solution Turns $300,000 into over $625,000 Overnight](https://cavalierassociates.com/split-annuity-solution-turns-300000-into-over-625000-overnight/) - ⏲ 2 min read ⏲ Retired clients have a primary fear: Outliving their assets. This strategy addresses that fear on two fronts: Providing a growth opportunity while creating a benefit pool to tap should they need care as they age.
- [The “Seasoned” Life Insurance Challenge Split Exchange](https://cavalierassociates.com/the-seasoned-life-insurance-challenge-split-exchange/) - ⏲ 2 min read ⏲ As clients age, they can find themselves in an enviable position: Their insurance assets have done what they were designed to do: Provide protection for their loved ones.
- [Making the Case for Annuity-Based Asset-Based LTC Products](https://cavalierassociates.com/making-the-case-for-annuity-based-asset-based-ltc-products/) - ⏲ 7 min read ⏲ It’s tempting to use an “apples to apples” approach when considering the premium deposit used to fund an Asset-Based LTC solution.
- [A “Balanced” Approach to Accumulation IUL Case Design](https://cavalierassociates.com/a-balanced-approach-to-accumulation-iul-case-design-2/) - ⏲ 2 min read ⏲ The conventional approach to designing accumulation-focused Indexed UL strategies involves minimizing the death benefit.
- [Underwriting Shorts: Marijuana, Vaping & Nicotine – What Advisors Need to Know](https://cavalierassociates.com/underwriting-shorts-marijuana-vaping-nicotine-what-advisors-need-to-know/) - ⏲ 3 min read ⏲ When it comes to life insurance underwriting, the world of marijuana and nicotine use isn’t as black-and-white as it used to be.
- [Breaking Down North American’s Secure Horizon IUL: Innovation, Flexibility, and Real Client Value](https://cavalierassociates.com/breaking-down-north-americans-secure-horizon-iul-innovation-flexibility-and-real-client-value/) - ⏲ 4 min read ⏲ When a new IUL hits the market, the question advisors always ask is: Does this product really solve problems for clients, or is it just another illustration game?

## Pages

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- [Top Underwriting Niches with our Chief Underwriter Ken Turscak, FALU,FLMI, ACS](https://cavalierassociates.com/top-underwriting-niches-with-our-chief-underwriter-ken-turscak-faluflmi-acs/) - Events Top Underwriting Niches with our Chief Underwriter Ken Turscak, FALU,FLMI, ACS About the Event Ken Turscak, Chief Underwriter will be discussing Life Insurance Underwriting. Top Underwriting Niches Underwriting Marijuana Businesses Exam-Free Underwriting up to $65 Million The Art of Packaging a Complex Case Wednesday, September 18, 2024: 11:00 Pacific | 1:00 Central
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- [Long Term Care Insurance Copy](https://cavalierassociates.com/markets/long-term-care-insurance-2/) - Long Term Care Insurance Long Term Care Insurance As one of the most significant risks to net worth that the older age client faces, planning for long term care expenses is a critical part of the planning process today. When coupled with the rapid rise in long term care costs and the corresponding cost of
- [Long Term Care Insurance](https://cavalierassociates.com/markets/long-term-care-insurance/) - Long Term Care Insurance Long Term Care Insurance As one of the most significant risks to net worth that the older age client faces, planning for long term care expenses is a critical part of the planning process today. When coupled with the rapid rise in long term care costs and the corresponding cost of
- [Disability Insurance Questionnaire-2](https://cavalierassociates.com/disability-insurance-questionnaire-2/)
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- [Insurance Carrier Partners](https://cavalierassociates.com/utilities/insurance-carrier-partners/) - Insurance Carrier Partners Our Hand Picked Partners Life Insurance Each of our life carriers has been selected for a specific purpose. The reasons vary from top financial strength, product innovation, and underwriting expertise to compensation and effective business processes. Allianz American General American National Ameritas AXA Banner Life Brighthouse Financial Columbus Life Foresters Gerber Life
- [Wealth Accumulation](https://cavalierassociates.com/markets/wealth-accumulation/) - Wealth Accumulation Wealth Accumulation Cavalier Associates can provide an array of insurance strategies that your clients can choose from to help them with some of the risks associated with financial planning. The proper use of insurance products to round out a client’s overall financial plan, along with advice from investment advisors and legal and/or tax
- [Wealth Transfer](https://cavalierassociates.com/markets/wealth-transfer/) - Wealth Transfer Wealth Transfer Wealth Transfer is yet another holistic art that integrates the best practices from many other disciplines, such as investing, estate planning, tax advice and insurance planning. Clients have worked hard to reach a significant level of success and may not have paid enough attention to what will happen when their assets
- [Underwriting Team](https://cavalierassociates.com/about-us/underwriting-team/) - Underwriting Team Our Talented and Trusted Team of Underwriters KEN TURSCAK, FALU, FLMI, ACS Chief Underwriter Direct: 805.852.1590 | LinkedIn See Ken’s Bio WILL WALKER, FLMI, ACS Director of Member Underwriting Services Direct: 805.852.1590 See Will’s Bio GERRI BISHOP, FALU, CLU, FLMI, AIAA, ACS Director of Member Underwriting Services Direct: 954.637.1907 | LinkedIn See Gerri’s
- [About Us](https://cavalierassociates.com/about-us/) - About Us A Reputation for Delivering Sales Since 1993, Cavalier Associates has built a reputation for delivering sales, marketing, planning and underwriting support to the upscale life insurance producer. We’re dedicated to strengthening our position through the expansion of our Agency’s marketing team, which we believe is the best in the business. To help us
- [Team](https://cavalierassociates.com/our-team/) - Team Team One of Cavalier Associates’ strongest assets is its “human capital”. The breadth of experience and dedication of our Marketing Consultants and Case Management team is second to none. It is truly a rare combination of enough experience to know the intricacies of our business, enough youth and energy to do the heavy lifting
- [Estate Planning](https://cavalierassociates.com/markets/estate-planning/) - Estate Planning Estate Planning Far too often Estate Planning means nothing more than providing liquidity to pay potential estate taxes. In its true form, the art of Estate Planning encompasses far more than calculating a tax bill. At Cavalier Associates we can help the estate planners and business attorneys identify insurance products that can be
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- [Income Replacement](https://cavalierassociates.com/markets/income-replacement/) - Income Replacement Income Replacement What was once a rather straightforward discussion of Disability Income protection has evolved. Income Replacement has become a diverse collection of tools to guard against a myriad of potential disruptions to not only a client’s income but also the asset that underlies that income. This may be their ability to work,

## Layout Parts

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## Events

- [Underwriting Uncovered - Table Shaving & Underwriting Credits: How the Programs Work—and What Underwriters Need to See](https://cavalierassociates.com/event/underwriting-uncovered-table-shaving-underwriting-credits-how-the-programs-work-and-what-underwriters-need-to-see-fir/) - About the Event Table shaving and underwriting credit programs can improve the underwriting outcome for qualifying life insurance cases. When a case meets the carrier’s requirements, the applicable program should be considered automatically. That does not mean advisors can afford to leave the process to chance. Understanding how these programs work can help you identify
- [Give Clients More Than IUL Potential](https://cavalierassociates.com/event/give-clients-more-than-iul-potential-b/) - About the Event Turn Product Features Into Stronger Client Strategies Indexed universal life can offer meaningful accumulation potential—but clients may also want greater certainty about the income their policy can provide. Join David Beas of Cavalier Associates and Nick Lines of North American for a focused look at Secure Horizon. You'll see how its guaranteed
- [Underwriting Uncovered - Financial Underwriting Explained: Income vs. Net Worth vs. Coverage Amounts](https://cavalierassociates.com/event/underwriting-uncovered-financial-underwriting-explained-income-vs-net-worth-vs-coverage-amounts-fir/) - About the EventYou’re invited to an exclusive advisor session focused on solving today’s hardest-to-place life cases—real cases, real solutions with Chief Underwriting Officer Ken Turscak and Adam Cavalier. Get practical, real-time insights to help move cases forward and improve outcomes for clients with complex underwriting profiles.Featured Topic: Financial Underwriting Explained: Income vs. Net Worth vs.
- [The Three Burdens of Long-Term Care—and a Rollover Strategy Most Advisors Miss](https://cavalierassociates.com/event/the-three-burdens-of-long-term-care-and-a-rollover-strategy-most-advisors-miss/) - About the Event Long-term care can create three connected burdens for clients and their families: economic, administrative and emotional. Advisors who can help clients understand the full impact—and identify assets that may be positioned for the need—can turn a difficult topic into a more productive planning conversation. Join David Beas of Cavalier Associates and Jen
- [Most IULs Offer Potential - Secure Horizon Offers Guarantees](https://cavalierassociates.com/event/most-iuls-offer-potential-secure-horizon-offers-guarantees-cm/) - About the Event Why can Secure Horizon IUL make promises other products won't? Because it was engineered around five powerful guarantees — from a guaranteed benefit base that grows at 150% of credited interest to an industry-first guaranteed income option. Every feature is built to deliver certainty, not just potential. Join David Beas, Cavalier Associates,
- [Underwriting Uncovered - The Diabetes Dilemma: Know the Underwriting Breakpoints Before You Submit](https://cavalierassociates.com/event/the-diabetes-dilemma-mild-moderate-and-severe-risk-classes/) - About the Event You’re invited to an exclusive advisor session focused on solving today’s hardest-to-place life cases—real cases, real solutions with Chief Underwriting Officer Ken Turscak and Adam Cavalier. Get practical, real-time insights to help move cases forward and improve outcomes for clients with complex underwriting profiles. Featured Topic: The Diabetes Dilemma: Mild, Moderate, and
- [Closing the Executive Coverage Gap: A Guaranteed-Issue Strategy for Key Employees—and a New Opportunity for Advisors](https://cavalierassociates.com/event/closing-the-executive-coverage-gap-up-to-5m-guaranteed-issue-protection/) - About the Event Employer-sponsored coverage can provide a valuable foundation, but plan limits may leave key employees with a meaningful protection gap. For advisors, that gap can create an opportunity to bring business-owner clients a stronger executive benefits solution, deepen existing relationships, and generate additional revenue. Join Rick Eskin, CEO of Dye & Eskin, Inc.,
- [Underwriting Uncovered - Table Shaving & Underwriting Credits: How the Programs Work—and What Underwriters Need to See](https://cavalierassociates.com/event/table-shaving-credits-when-to-ask-and-how-to-position-it/) - About the Event Table shaving and underwriting credit programs can improve the underwriting outcome for qualifying life insurance cases. When a case meets the carrier’s requirements, the applicable program should be considered automatically. That does not mean advisors can afford to leave the process to chance. Understanding how these programs work can help you identify
- [Give Clients More Than IUL Potential](https://cavalierassociates.com/event/give-clients-more-than-iul-potential-fir/) - About the Event Turn Product Features Into Stronger Client Strategies Indexed universal life can offer meaningful accumulation potential—but clients may also want greater certainty about the income their policy can provide. Join David Beas of Cavalier Associates and Nick Lines of North American for a focused look at Secure Horizon. You'll see how its guaranteed
- [Happy Hour & Networking: The Changing LTC Conversation](https://cavalierassociates.com/event/happy-hour-networking-the-changing-ltc-conversation/) - About the Event Join Cavalier Associates and NAIFA for drinks, appetizers, and a casual evening of networking with fellow insurance and financial professionals. The evening will include a focused 20-minute panel featuring long-term care specialists from Nationwide and OneAmerica. The panel will offer a brief look at how the long-term care planning conversation is changing
- [Beyond Self-Insuring: The High-Net-Worth Long-Term Care Playbook](https://cavalierassociates.com/event/beyond-self-insuring-the-high-net-worth-long-term-care-playbook-la/) - About the Event Preserve liquidity. Protect legacy goals. Avoid preventable case-design mistakes. High-net-worth clients often dismiss long-term care insurance because they believe they can afford to self-insure. But with future care costs for a couple projected to reach as much as $4 million, paying out of pocket could force the sale of illiquid assets, compound
- [Beyond Self-Insuring: The High-Net-Worth Long-Term Care Playbook](https://cavalierassociates.com/event/beyond-self-insuring-the-high-net-worth-long-term-care-playbook-cm/) - About the Event Preserve liquidity. Protect legacy goals. Avoid preventable case-design mistakes. High-net-worth clients often dismiss long-term care insurance because they believe they can afford to self-insure. But with future care costs for a couple projected to reach as much as $4 million, paying out of pocket could force the sale of illiquid assets, compound
- [Give Clients More Than IUL Potential](https://cavalierassociates.com/event/give-clients-more-than-iul-potential-manhattan-beach/) - About the Event Explore Secure Horizon’s Guaranteed Lifetime Income and Planning Features Turn Product Features Into Stronger Client Strategies Indexed universal life can offer meaningful accumulation potential—but clients may also want greater certainty about the income their policy can provide. Join David Beas of Cavalier Associates and Nick Lines of North American for a focused
- [Underwriting Uncovered - Financial Underwriting Explained: Income vs. Net Worth vs. Coverage Amounts](https://cavalierassociates.com/event/financial-underwriting-explained-income-vs-net-worth-vs-coverage-amounts/) - About the Event You’re invited to an exclusive advisor session focused on solving today’s hardest-to-place life cases—real cases, real solutions with Chief Underwriting Officer Ken Turscak and Adam Cavalier. Get practical, real-time insights to help move cases forward and improve outcomes for clients with complex underwriting profiles. Featured Topic: Financial Underwriting Explained: Income vs. Net
- [Give Clients More Than IUL Potential](https://cavalierassociates.com/event/give-clients-more-than-iul-potential/) - About the Event Turn Product Features Into Stronger Client Strategies Indexed universal life can offer meaningful accumulation potential—but clients may also want greater certainty about the income their policy can provide. Join David Beas of Cavalier Associates and Nick Lines of North American for a focused look at Secure Horizon. You'll see how its guaranteed
- [Underwriting Uncovered - Mental Health History: What's a Knockout vs. Manageable Risk](https://cavalierassociates.com/event/underwriting-uncovered-mental-health-history-whats-a-knockout-vs-manageable-risk/) - About the Event You’re invited to an exclusive advisor session focused on solving today’s hardest-to-place life cases—real cases, real solutions with Chief Underwriting Officer Ken Turscak and Adam Cavalier. Get practical, real-time insights to help move cases forward and improve outcomes for clients with complex underwriting profiles. Featured Topic: Mental Health History: What's a Knockout
- [Most IULs Offer Potential - Secure Horizon Offers Guarantees](https://cavalierassociates.com/event/most-iuls-offer-potential-secure-horizon-offers-guarantees/) - About the Event Why can Secure Horizon IUL make promises other products won't? Because it was engineered around five powerful guarantees — from a guaranteed benefit base that grows at 150% of credited interest to an industry-first guaranteed income option. Every feature is built to deliver certainty, not just potential. Join David Beas, Cavalier Associates,
- [The $1.37 Million Blind Spot: Dominating Retail Case Design](https://cavalierassociates.com/event/the-1-37-million-blind-spot-dominating-retail-case-design/) - About the Event This strategic briefing completely flips the script on traditional life insurance sales, shifting the focus away from basic wellness perks and into hard, institutional-grade case design. We will dissect the exact mathematical tactics top advisors are using to weaponize the John Hancock Vitality program. Join us to learn how to transform your
- [The Succession Planning Wake-Up Call for Small Business Owners](https://cavalierassociates.com/event/the-succession-planning-wake-up-call-for-small-business-owners/) - About the Event Business continuity, succession, and estate planning conversations financial professionals need to be having For Small & Mid-Sized Business Owners Businesses with approximately 5–500 employees, founder-led companies, family-owned businesses, and organizations planning for future ownership or leadership transitions. Business owners know succession planning is more important than ever — but many remain unprepared
- [The 3 Burdens of LTC — and the Rollover Strategy Most Advisors Miss](https://cavalierassociates.com/event/the-3-burdens-of-ltc-and-the-rollover-strategy-most-advisors-miss/) - About the Event You're invited to an advisor webinar exploring a practical approach to long-term care planning. Join David Beas of Cavalier Associates and Jen Wagoner of OneAmerica as they introduce the Three Burdens of unplanned long-term care—economic, administrative, and emotional—and share a qualified money rollover strategy that can help clients fund long-term care coverage
- [Business Lifecycle Planning](https://cavalierassociates.com/event/business-lifecycle-planning/) - About the Event This inaugural lunch in the Business Lifecycle Planning Series brings together financial advisors and insurance professionals for a 90‑minute, conversation‑driven discussion on strategies business owners need at every stage of their company’s lifecycle. No slides and no sales pitch—just advisor-level dialogue focused on protection planning, executive benefits, succession planning, and business-owner solutions.
- [Nationwide’s Care Matters Annuity](https://cavalierassociates.com/event/nationwides-care-matters-annuity/) - About the Event Join us for an exclusive Zoom session as we highlight one of the most competitive hybrid annuity and long-term care solutions available today. This strategy is designed for both individual and joint coverage, offering a cash payout at claim, simplified underwriting, and international benefits. With strong leverage to help protect assets from the
- [Underwriting Uncovered - Diabetes: Mild, Moderate, & Severe Risk Classes](https://cavalierassociates.com/event/diabetes-mild-moderate-severe-risk-classes/) - About the EventYou’re invited to an exclusive advisor session focused on solving today’s hardest-to-place life cases—real cases, real solutions with Chief Underwriting Officer Ken Turscak and Adam Cavalier. Get practical, real-time insights to help move cases forward and improve outcomes for clients with complex underwriting profiles.Featured Topic: Diabetes: Mild, Moderate, & Severe Risk ClassesCurrent underwriting
- [The Math of Living Longer: 10 Ways to Transform Case Design - Los Angeles](https://cavalierassociates.com/event/the-math-of-living-longer-10-ways-to-transform-case-design-los-angeles/) - About the Event Join us for an exclusive Lunch & Learn event where we’ll explore 10 distinct ways to leverage the John Hancock Vitality program. Enjoy lunch on us while gaining valuable insights to help you better serve your clients! What You’ll Learn: Mitigating Costs & Underwriting Hurdles: Discover how client engagement can significantly lower
- [The Math of Living Longer: 10 Ways to Transform Case Design - Costa Mesa](https://cavalierassociates.com/event/the-math-of-living-longer-10-ways-to-transform-case-design-costa-mesa/) - About the Event Join us for an exclusive Lunch & Learn event where we’ll explore 10 distinct ways to leverage the John Hancock Vitality program. Enjoy lunch on us while gaining valuable insights to help you better serve your clients! What You’ll Learn: Mitigating Costs & Underwriting Hurdles: Discover how client engagement can significantly lower
- [Dueling Underwriters: The Algorithm vs The Advocate - El Segundo](https://cavalierassociates.com/event/dueling-underwriters-the-algorithm-vs-the-advocate-el-segundo/) - About the Event David Beas is hosting an advisor-only lunch in El Segundo: Dueling Underwriters: The Algorithm vs The Advocate. Ken Turscak (Chief Underwriter, Cavalier Associates) and Chris Regione (Chief Underwriter, North American) will debate: AI, mental health, GLP-1s & psychedelics How real-time underwriting collaboration works Documentation & positioning that moves cases to “approved” Featured
- [Dueling Underwriters: The Algorithm vs The Advocate - Irvine](https://cavalierassociates.com/event/dueling-underwriters-the-algorithm-vs-the-advocate/) - About the Event David Beas is hosting an advisor-only happy hour in Irvine: Dueling Underwriters: The Algorithm vs The Advocate. Ken Turscak (Chief Underwriter, Cavalier Associates) and Chris Regione (Chief Underwriter, North American) will debate: AI, mental health, GLP-1s & psychedelics How real-time underwriting collaboration works Documentation & positioning that moves cases to “approved” Featured
- [Leveraging Large IRAs: Three Wins for Clients, Heirs, and Financial Professionals](https://cavalierassociates.com/event/leveraging-large-iras-three-wins-for-clients-heirs-and-financial-professionals/) - About the Event Life Insurance Strategies for Today’s Tax Challenges For many retirees and pre-retirees, the largest pool of assets may be in tax-deferred IRAs, which can create problems down the road. Large IRA balances can create concentrated tax risk and a planning opportunity. IRAs are tax-deferred until funds are withdrawn, at which time, the
- [The 2025 IRA Revolution: Ed Slott's Guide to Turning Tax Challenges into Maximum Client Value Copy](https://cavalierassociates.com/event/the-2025-ira-revolution-10/) - About the EventNavigating the Perfect Storm of Opportunity for Financial Professionals.Join America’s IRA authority, Ed Slott, CPA for a high-impact session revealing the strategies every financial professional should have to help maximize retirement tax planning opportunities in 2025 and beyond.This presentation will equip you to help:Deliver value to clientsSafeguard retirement savings from tax increasesGrow by
- [The 2025 IRA Revolution: Ed Slott's Guide to Turning Tax Challenges into Maximum Client Value Copy](https://cavalierassociates.com/event/the-2025-ira-revolution-9/) - About the EventNavigating the Perfect Storm of Opportunity for Financial Professionals.Join America’s IRA authority, Ed Slott, CPA for a high-impact session revealing the strategies every financial professional should have to help maximize retirement tax planning opportunities in 2025 and beyond.This presentation will equip you to help:Deliver value to clientsSafeguard retirement savings from tax increasesGrow by
- [The 2025 IRA Revolution: Ed Slott's Guide to Turning Tax Challenges into Maximum Client Value Copy](https://cavalierassociates.com/event/the-2025-ira-revolution-8/) - About the EventNavigating the Perfect Storm of Opportunity for Financial Professionals.Join America’s IRA authority, Ed Slott, CPA for a high-impact session revealing the strategies every financial professional should have to help maximize retirement tax planning opportunities in 2025 and beyond.This presentation will equip you to help:Deliver value to clientsSafeguard retirement savings from tax increasesGrow by
- [The 2025 IRA Revolution: Ed Slott's Guide to Turning Tax Challenges into Maximum Client Value Copy](https://cavalierassociates.com/event/the-2025-ira-revolution-7/) - About the EventNavigating the Perfect Storm of Opportunity for Financial Professionals.Join America’s IRA authority, Ed Slott, CPA for a high-impact session revealing the strategies every financial professional should have to help maximize retirement tax planning opportunities in 2025 and beyond.This presentation will equip you to help:Deliver value to clientsSafeguard retirement savings from tax increasesGrow by
- [The 2025 IRA Revolution: Ed Slott's Guide to Turning Tax Challenges into Maximum Client Value Copy](https://cavalierassociates.com/event/the-2025-ira-revolution-6/) - About the EventNavigating the Perfect Storm of Opportunity for Financial Professionals.Join America’s IRA authority, Ed Slott, CPA for a high-impact session revealing the strategies every financial professional should have to help maximize retirement tax planning opportunities in 2025 and beyond.This presentation will equip you to help:Deliver value to clientsSafeguard retirement savings from tax increasesGrow by
- [The 2025 IRA Revolution: Ed Slott's Guide to Turning Tax Challenges into Maximum Client Value Copy](https://cavalierassociates.com/event/the-2025-ira-revolution-4/) - About the EventNavigating the Perfect Storm of Opportunity for Financial Professionals.Join America’s IRA authority, Ed Slott, CPA for a high-impact session revealing the strategies every financial professional should have to help maximize retirement tax planning opportunities in 2025 and beyond.This presentation will equip you to help:Deliver value to clientsSafeguard retirement savings from tax increasesGrow by
- [The 2025 IRA Revolution: Ed Slott's Guide to Turning Tax Challenges into Maximum Client Value Copy](https://cavalierassociates.com/event/the-2025-ira-revolution-5/) - About the EventNavigating the Perfect Storm of Opportunity for Financial Professionals.Join America’s IRA authority, Ed Slott, CPA for a high-impact session revealing the strategies every financial professional should have to help maximize retirement tax planning opportunities in 2025 and beyond.This presentation will equip you to help:Deliver value to clientsSafeguard retirement savings from tax increasesGrow by
- [The 2025 IRA Revolution: Ed Slott's Guide to Turning Tax Challenges into Maximum Client Value Copy](https://cavalierassociates.com/event/the-2025-ira-revolution-3/) - About the EventNavigating the Perfect Storm of Opportunity for Financial Professionals.Join America’s IRA authority, Ed Slott, CPA for a high-impact session revealing the strategies every financial professional should have to help maximize retirement tax planning opportunities in 2025 and beyond.This presentation will equip you to help:Deliver value to clientsSafeguard retirement savings from tax increasesGrow by
- [The 2025 IRA Revolution: Ed Slott's Guide to Turning Tax Challenges into Maximum Client Value Copy](https://cavalierassociates.com/event/the-2025-ira-revolution-2/) - About the EventNavigating the Perfect Storm of Opportunity for Financial Professionals.Join America’s IRA authority, Ed Slott, CPA for a high-impact session revealing the strategies every financial professional should have to help maximize retirement tax planning opportunities in 2025 and beyond.This presentation will equip you to help:Deliver value to clientsSafeguard retirement savings from tax increasesGrow by
- [Underwriting Uncovered - Field Underwriting Red Flags](https://cavalierassociates.com/event/underwriting-uncovered-field-underwriting-red-flags/) - About the Event You’re invited to an exclusive advisor session focused on solving today’s hardest-to-place life cases—real cases, real solutions with Chief Underwriting Officer Ken Turscak and Adam Cavalier. Get practical, real-time insights to help move cases forward and improve outcomes for clients with complex underwriting profiles. Featured Topic: Field Underwriting Red Flags Top 5
- [Hidden Leverage: Using Existing Assets to Solve LTC & Legacy Planning - Ohio](https://cavalierassociates.com/event/hidden-leverage-using-existing-assets-to-solve-ltc-legacy-planning-ohio/) - About the Event This intimate, advisor-only conversation is designed for professionals who want to move beyond traditional LTC planning and better understand how existing client assets can be repositioned to protect the broader balance sheet — without product dumps or canned presentations. Asset-based and hybrid LTC strategies are often misunderstood or overlooked in planning conversations.
- [Planning Without a Passport: Life Insurance for Non-Citizens](https://cavalierassociates.com/event/planning-without-a-passport-life-insurance-for-non-citizens/) - About the EventPlanning Without a Passport explores how life insurance can be used beyond traditional death benefit or estate planning—serving instead as a strategic tool for wealth accumulation, tax efficiency, and liquidity in cross-border situations where residency, citizenship, and long-term plans may change.We’ll cover:How planning rules change for non-citizens and visa holdersWhere advisors commonly make
- [When Retirement Planning Meets Real Life - West LA](https://cavalierassociates.com/event/when-retirement-planning-meets-real-life-west-la/) - About the Event When Retirement Planning Meets Real Life: Long-Term Care, Longevity & Today’s Families is an educational, advisor-focused lunch discussion designed for Financial Advisors and Insurance Professionals navigating today’s evolving retirement landscape. This event explores how long-term care planning impacts retirement income, estate strategies, and family dynamics—particularly as clients live longer and family structures
- [When Retirement Planning Meets Real Life - Costa Mesa](https://cavalierassociates.com/event/when-retirement-planning-meets-real-life-costa-mesa/) - About the Event When Retirement Planning Meets Real Life: Long-Term Care, Longevity & Today’s Families is an educational, advisor-focused lunch discussion designed for Financial Advisors and Insurance Professionals navigating today’s evolving retirement landscape. This event explores how long-term care planning impacts retirement income, estate strategies, and family dynamics—particularly as clients live longer and family structures
- [Indexed UL in a Post-Busch World](https://cavalierassociates.com/event/indexed-ul-in-a-post-busch-world/) - About the EventHow Design, Guarantees, and Structure Matter More Than EverHigh-profile litigation has prompted many advisors to re-examine how Indexed Universal Life policies are designed and positioned. This advisor-only lunch event moves beyond headlines to focus on practical, real-world design lessons that matter today.Join David Beas (Cavalier Associates) for a moderated discussion with:J.T. Bell, AnnexusNicholas
- [Underwriting Uncovered - Cancer History](https://cavalierassociates.com/event/underwriting-uncovered-cancer-history/) - About the Event You’re invited to an exclusive advisor session focused on solving today’s hardest-to-place life cases—real cases, real solutions with Chief Underwriting Officer Ken Turscak and Adam Cavalier. Get practical, real-time insights to help move cases forward and improve outcomes for clients with complex underwriting profiles. Featured Topic: Cancer History When a cancer history
- [The Evolving Landscape of Life Insurance Underwriting - Glendale](https://cavalierassociates.com/event/the-evolving-landscape-of-life-insurance-underwriting-glendale/) - About the Event Over the past year, life insurance underwriting has seen dramatic change—driven by technology, shifting risk appetites, and the growing integration of long-term care. This luncheon session brings together Cavalier’s own David Beas and Ken Turscak, Chief Underwriter, to unpack the biggest developments and what they mean for advisors and their clients. Key
- [The Evolving Landscape of Life Insurance Underwriting - Los Angeles](https://cavalierassociates.com/event/the-evolving-landscape-of-life-insurance-underwriting-los-angeles/) - About the Event Over the past year, life insurance underwriting has seen dramatic change—driven by technology, shifting risk appetites, and the growing integration of long-term care. This luncheon session brings together Cavalier’s own David Beas and Ken Turscak, Chief Underwriter, to unpack the biggest developments and what they mean for advisors and their clients. Key
- [The Evolving Landscape of Life Insurance Underwriting - Costa Mesa](https://cavalierassociates.com/event/the-evolving-landscape-of-life-insurance-underwriting-costa-mesa/) - About the Event Over the past year, life insurance underwriting has seen dramatic change—driven by technology, shifting risk appetites, and the growing integration of long-term care. This luncheon session brings together Cavalier’s own David Beas and Ken Turscak, Chief Underwriter, to unpack the biggest developments and what they mean for advisors and their clients. Key
- [Stump the Underwriter - Real Cases, Real Solutions with Chief Underwriting Officer Ken Turscak and Adam Cavalier](https://cavalierassociates.com/event/stump-the-underwriter-11-06-25/) - About the Event You're invited to an exclusive advisor session designed to give you real-time solutions for your hardest-to-place life cases. Whether your cases were rated, declined, or stuck in underwriting, Ken and Adam will share insider strategies to help you secure better outcomes for your clients. Featured Topics: The Truth About Labs – Understanding
- [The Modern LTC Playbook: Integrating Tax Incentives and Client Psychology - Costa Mesa](https://cavalierassociates.com/event/the-modern-ltc-playbook-integrating-tax-incentives-and-client-psychology-costa-mesa/) - About the Event This luncheon will highlight innovative tax strategies and client conversation techniques for integrating long-term care solutions into financial and insurance planning, with a focus on business and asset-based funding approaches. Advisors can expect practical insights into leveraging tax incentives, repositioning client assets, and mastering client communications for more successful LTC planning outcomes.
- [The Modern LTC Playbook: Integrating Tax Incentives and Client Psychology - Los Angeles](https://cavalierassociates.com/event/the-modern-ltc-playbook-integrating-tax-incentives-and-client-psychology-los-angeles/) - About the Event This luncheon will highlight innovative tax strategies and client conversation techniques for integrating long-term care solutions into financial and insurance planning, with a focus on business and asset-based funding approaches. Advisors can expect practical insights into leveraging tax incentives, repositioning client assets, and mastering client communications for more successful LTC planning outcomes.
- [Stump the Underwriter...Underwriting Jam Session with Chief Underwriting Officer Ken Turscak and Adam Cavalier](https://cavalierassociates.com/event/stump-the-underwriter-10-16-25/) - About the Event You're invited to an exclusive advisor session designed to give you real-time solutions for your hardest-to-place life cases. Whether your cases were rated, declined, or stuck in underwriting, Ken and Adam will share insider strategies to help you secure better outcomes for your clients. Featured Topics: Depression, Anxiety, & Bipolar – What
- [OBBB 2025: What Financial Advisors Need to Know for Their Business Owner Clients - Long Beach](https://cavalierassociates.com/event/obbb-2025-what-financial-advisors-need-to-know-for-their-business-owner-clients-long-beach/) - About the Event Help Your Business Owner Clients Do More With Their Money Lunch with Paul Sargent of Principal Financial Group® & David Beas of Cavalier Associates The One Big Beautiful Bill (OBBB) just locked in lower taxes and bigger deductions for small business owners. Translation? They may have more cash to work with if they know
- [DI 101: Business Products: What do I need to protect?](https://cavalierassociates.com/event/di-101-business-products-what-do-i-need-to-protect/) - About the Event Join us for 3 exclusive Virtual Events where we’ll explore the Disability Insurance. Gain valuable insights to help you better serve your clients! What You’ll Learn & When: Thursday, September 11 - DI 101: Exploring the Basics Your income supports your lifestyle – don’t leave it unprotected. In this DI 101 session,
- [OBBB 2025: What Financial Advisors Need to Know for Their Business Owner Clients - Pasadena](https://cavalierassociates.com/event/obbb-2025-what-financial-advisors-need-to-know-for-their-business-owner-clients-pasadena/) - About the EventHelp Your Business Owner Clients Do More With Their MoneyLunch with Paul Sargent of Principal Financial Group® & David Beas of Cavalier AssociatesThe One Big Beautiful Bill (OBBB) just locked in lower taxes and bigger deductions for small business owners. Translation? They may have more cash to work with if they know how to use
- [OBBB 2025: What Financial Advisors Need to Know for Their Business Owner Clients - Costa Mesa](https://cavalierassociates.com/event/obbb-2025-what-financial-advisors-need-to-know-for-their-business-owner-clients-costa-mesa/) - About the EventHelp Your Business Owner Clients Do More With Their MoneyLunch with Paul Sargent of Principal Financial Group® & David Beas of Cavalier AssociatesThe One Big Beautiful Bill (OBBB) just locked in lower taxes and bigger deductions for small business owners. Translation? They may have more cash to work with if they know how to use
- [DI 101: Exploring the Basics](https://cavalierassociates.com/event/di-101-exploring-the-basics/) - About the Event Join us for 3 exclusive Virtual Events where we’ll explore the Disability Insurance. Gain valuable insights to help you better serve your clients! What You’ll Learn & When: Thursday, September 11 - DI 101: Exploring the Basics Your income supports your lifestyle – don’t leave it unprotected. In this DI 101 session,
- ["Stump the Underwriter"...Underwriting Jam Session with Chief Underwriting Officer Ken Turscak and Adam Cavalier](https://cavalierassociates.com/event/stump-the-underwriter-underwriting-jam-session-with-chief-underwriting-officer-ken-turscak-and-adam-cavalier4/) - About the Event Join Ken Turscak, Chief Underwriting Officer at Cavalier Associates, and Adam Cavalier for a powerful, interactive underwriting session. This is your chance to bring in those tricky life cases. Whether rated or declined and get real-time input on how to turn them around. Ken and Adam will walk you through actionable underwriting
- [How to Identify Life Insurance Replacements, Multi-Generational Wealth Building, and IUL Built for Small Business](https://cavalierassociates.com/event/how-to-identify-life-insurance-replacements-multi-generational-wealth-building-and-iul-built-for-small-business-la/) - About the Event When was the last time you took a hard look at your clients’ inforce life insurance? Too often, outdated policies sit untouched missing the mark on performance, protection, and planning potential. This session is about changing that. Join us for an insightful session presented by David Beas , Cavalier Associates and Nick Majors,
- [How to Identify Life Insurance Replacements, Multi-Generational Wealth Building, and IUL Built for Small Business](https://cavalierassociates.com/event/how-to-identify-life-insurance-replacements-multi-generational-wealth-building-and-iul-built-for-small-business/) - About the Event When was the last time you took a hard look at your clients’ inforce life insurance? Too often, outdated policies sit untouched missing the mark on performance, protection, and planning potential. This session is about changing that. Join us for an insightful session presented by David Beas , Cavalier Associates and Nick Majors,
- [The 2025 IRA Revolution: Ed Slott's Guide to Turning Tax Challenges into Maximum Client Value](https://cavalierassociates.com/event/the-2025-ira-revolution/) - About the EventNavigating the Perfect Storm of Opportunity for Financial Professionals.Join America’s IRA authority, Ed Slott, CPA for a high-impact session revealing the strategies every financial professional should have to help maximize retirement tax planning opportunities in 2025 and beyond.This presentation will equip you to help:Deliver value to clientsSafeguard retirement savings from tax increasesGrow by
- ["Stump the Underwriter"...Underwriting Jam Session with Chief Underwriting Officer Ken Turscak and Adam Cavalier](https://cavalierassociates.com/event/stump-the-underwriter-underwriting-jam-session-with-chief-underwriting-officer-ken-turscak-and-adam-cavalier3/) - About the Event Join Ken Turscak, Chief Underwriting Officer at Cavalier Associates, and Adam Cavalier for a powerful, interactive underwriting session. This is your chance to bring in those tricky life cases. Whether rated or declined and get real-time input on how to turn them around. Ken and Adam will walk you through actionable underwriting
- [Unlocking Hidden Wealth: Transforming Idle Assets into Lifetime Opportunities](https://cavalierassociates.com/event/unlocking-hidden-wealth-transforming-idle-assets-into-lifetime-opportunities/) - About the Event Join us for an exclusive Lunch & Learn event designed specifically for financial advisors who want to drive meaningful client outcomes and increase their sales opportunities. Discover powerful strategies that leverage existing client assets, particularly when traditional replacement sales aren't effective. Topics: How to uncover hidden liquidity in mature life insurance policies
- [Unlocking Hidden Wealth: Transforming Idle Assets into Lifetime Opportunities](https://cavalierassociates.com/event/unlocking-hidden-wealth-transforming-idle-assets-into-lifetime-opportunities-costa-mesa/) - About the Event Join us for an exclusive Lunch & Learn event designed specifically for financial advisors who want to drive meaningful client outcomes and increase their sales opportunities. Discover powerful strategies that leverage existing client assets, particularly when traditional replacement sales aren't effective. Topics: How to uncover hidden liquidity in mature life insurance policies
- [The Hidden Threats to Your Clients' Legacy—And the Strategy to Beat Them](https://cavalierassociates.com/event/the-hidden-threats-to-your-clients-legacy-and-the-strategy-to-beat-them/) - About the Event Join David Kopaloff, Life Marketing Consultant at Cavalier Associates, and Karen Hoffman, Vice President, Advanced Planning at Prudential Financial, as they share cutting-edge strategies. What You’ll Learn: Unlock Hidden IRA Value Address Major Legacy Threats Identify and Engage Ideal Clients Featured Speakers: Karen Hoffman, CLU, ChFC, CASL, Vice President, Advanced Planning, Prudential
- ["Stump the Underwriter"...Underwriting Jam Session with Chief Underwriting Officer Ken Turscak and Adam Cavalier](https://cavalierassociates.com/event/stump-the-underwriter-underwriting-jam-session-with-chief-underwriting-officer-ken-turscak-and-adam-cavalier2/) - About the Event Join Ken Turscak, Chief Underwriting Officer at Cavalier Associates, and Adam Cavalier for a powerful, interactive underwriting session. This is your chance to bring in those tricky life cases. Whether rated or declined and get real-time input on how to turn them around. Ken and Adam will walk you through actionable underwriting
- ["Stump the Underwriter"...Underwriting Jam Session with Chief Underwriting Officer Ken Turscak and Adam Cavalier](https://cavalierassociates.com/event/stump-the-underwriter-underwriting-jam-session-with-chief-underwriting-officer-ken-turscak-and-adam-cavalier/) - About the Event Join Ken Turscak, Chief Underwriting Officer at Cavalier Associates, and Adam Cavalier for a powerful, interactive underwriting session. This is your chance to bring in those tricky life cases. Whether rated or declined and get real-time input on how to turn them around. Ken and Adam will walk you through actionable underwriting
- [DI 101: Objections: What might come up?](https://cavalierassociates.com/event/di-101-objections-what-might-come-up/) - About the Event Join us for 3 exclusive Virtual Events where we’ll explore the Disability Insurance. Gain valuable insights to help you better serve your clients! What You’ll Learn & When: Thursday, September 11 - DI 101: Exploring the Basics Your income supports your lifestyle – don’t leave it unprotected. In this DI 101 session,
- [Not All Indexed ULs Are Created Equal](https://cavalierassociates.com/event/not-all-indexed-uls-are-created-equal-los-angeles/) - About the Event Join Cavalier Associates for a private lunch event at Water Grill in Irvine. Hear About an Exclusive Opportunity That 95% of Your Competitors Don't Have Access To! Gain insider access to indexed UL solutions and index strategies most advisors never hear about. Hear directly from leaders at Annexus about what sets their
- [Not All Indexed ULs Are Created Equal](https://cavalierassociates.com/event/not-all-indexed-uls-are-created-equal-costa-mesa/) - About the Event Join Cavalier Associates for a private lunch event at Water Grill in Irvine. Hear About an Exclusive Opportunity That 95% of Your Competitors Don't Have Access To! Gain insider access to indexed UL solutions and index strategies most advisors never hear about. Hear directly from leaders at Annexus about what sets their
- [LTC Tax Strategies, New Products, and LTC  80+](https://cavalierassociates.com/event/ltc-tax-strategies-new-products-and-ltc-80/) - About the Event Join David Beas, Marketing Consultant for Cavalier Associates, and Jen Wagoner, Regional Sales Director at OneAmerica Financial, for an exclusive in-person lunch event. Together, we'll explore innovative LTC solutions, including: Coming Soon to California: New Annuity-Funded Whole Life Solution Annuity Care: A Smart Alternative Asset-Based LTC for the Maturing Business Owner Don't
- [Underwriting Lunch  with Ken Turscak](https://cavalierassociates.com/event/underwriting-lunch-with-ken-turscak/) - About the Event Join David Beas, Marketing Consultant for Cavalier Associates, and Ken Turscak, Chief Underwriter at Advantage Insurance Network, for an in-person lunch event to explore advanced underwriting strategies and solutions for your clients. Ken brings extensive experience in crafting underwriting solutions for complex client scenarios. Topics Include: 15 years ago vs. today: The
- [Meet Ken Turscak: Underwriting Trends & Happy Hour](https://cavalierassociates.com/event/meet-ken-turscak-underwriting-trends-happy-hour/) - About the Event Join David Beas, Marketing Consultant for Cavalier Associates, and Ken Turscak, Chief Underwriter at Advantage Insurance Network, for an in-person happy hour event to explore advanced underwriting strategies and solutions for your clients. Ken brings extensive experience in crafting underwriting solutions for complex client scenarios. Topics Include: Current trends and advances in
- [Underwriting Evolution with Chief Underwriter, Ken Turscak](https://cavalierassociates.com/event/underwriting-evolution-with-chief-underwriter-ken-turscak/) - About the EventYou're invited to an exclusive virtual event designed for financial advisors, featuring Ken Turscak, Chief Underwriting Officer at Cavalier Associates. With over 30 years of experience at industry leaders like Lincoln Financial Group and MetLife, Ken has been instrumental in shaping underwriting practices.This is a unique opportunity to learn how underwriting can enhance
- [LTC Planning Insights](https://cavalierassociates.com/event/ltc-planning-insights/) - About the Event Join David Beas, Marketing Consultant for Cavalier Associates, and Shawn Britt, Director of LTC Initiatives at Nationwide Financial, for an in-person lunch event to explore advanced long-term care (LTC) planning strategies and solutions for affluent and mass affluent clients. David and Shawn bring extensive experience in crafting LTC solutions for complex family
- [Master LTC Planning Strategies - Irvine](https://cavalierassociates.com/event/master-ltc-planning-strategies-irvine/) - About the Event This exclusive event is designed to explore advanced long-term care (LTC) planning strategies and solutions for affluent and mass affluent clients. Join us for an intimate gathering featuring a curated lunch experience and expert insights from Shawn Britt, Director of LTC Initiatives at Nationwide Financial. Topics Include: Strategies for affluent and mass
- [Master LTC Planning Strategies](https://cavalierassociates.com/event/master-ltc-planning-strategies/) - About the EventJoin David Beas, Marketing Consultant at Cavalier Associates, and Shawn Britt, Director of LTC Initiatives at Nationwide Financial, for a virtual session to explore actionable long-term care (LTC) planning techniques tailored for affluent and mass affluent clients.With extensive experience in LTC solutions, David and Shawn will share their expertise in addressing complex client
- [Global Wealth Planning Strategies](https://cavalierassociates.com/event/global-wealth-planning-strategies/) - About the Event We’re excited to invite you to an exclusive virtual discussion featuring expert insights on life insurance, estate, tax, and wealth accumulation strategies for foreign national and international clients. Join David Beas, Marketing Consultant at Cavalier Associates, as he interviews Justin Smith, Principal at Cavalier Associates and President of Balanced Strategies. With extensive
- [Global Wealth Insights](https://cavalierassociates.com/event/global-wealth-insights/) - About the Event This exclusive event is designed to explore advanced life insurance, estate, tax, and accumulation planning strategies for foreign national and international clients. Join us for an intimate gathering featuring a curated lunch experience and expert insights from Rey Castro, Symetra Regional Vice President. Tailored life insurance solutions for international clients Cross-border estate
- [Mastering Underwriting with Chief Underwriter Ken Turscak](https://cavalierassociates.com/event/mastering-underwriting-with-chief-underwriter-ken-turscak/) - About the Event Financial advisors don’t miss this unique opportunity to dive into underwriting insights with Ken Turscak, Chief Underwriting Officer at Cavalier Associates. With 30+ years of experience—including leadership at Lincoln Financial and MetLife—Ken will cover practical ways underwriting can elevate your advisory services and client outcomes. Underwriting Partnership: Ken’s approach to building effective
- [Post-Election Financial Strategies and Business Planning Insights](https://cavalierassociates.com/event/post-election-financial-strategies-and-business-planning-insights-2/) - About the Event We’re excited to feature Paul Sargent, CLU, ChFC, CLF, Sales Vice-President at Principal Business Solutions, in this upcoming event tailored specifically for financial advisors and their business owner and executive clients. Post-Election Reflection: Post-TCJA & Post-Connelly Estate Planning: Exploring downstream consequences and buy-sell issues Corporate Insurance Structures: NQDC, Split Dollar, Cross-Purchase, Insurance
- [Post-Election Financial Strategies and Business Planning Insights](https://cavalierassociates.com/event/post-election-financial-strategies-and-business-planning-insights/) - About the Event We’re excited to feature Paul Sargent, CLU, ChFC, CLF, Sales Vice-President at Principal Business Solutions, in this upcoming event tailored specifically for financial advisors and their business owner and executive clients. Post-Election Reflection: Post-TCJA & Post-Connelly Estate Planning: Exploring downstream consequences and buy-sell issues Corporate Insurance Structures: NQDC, Split Dollar, Cross-Purchase, Insurance
- [Post-Election Insights on Estate & Corporate Planning with Justin Smith](https://cavalierassociates.com/event/post-election-insights-on-estate-corporate-planning-with-justin-smith/) - About the EventAs the votes will be in and major changes approach, now is the ideal moment to reassess your strategies and prepare for what’s ahead.TCJA Sunset: What it means for estate planningPost-Connelly Decision Corporate Planning: Strategic updatesPremium Finance SOTU: The state of premium finance post-electionCollaborative Planning: Enhancing client partnerships in a new eraThursday, November
- [The Latest Trends in Estate & Corporate Planning with Justin Smith](https://cavalierassociates.com/event/discussion-with-justin-smith-principal-of-balanced-strategies-and-president-of-strata-family-office-services/) - About the Event Discussion on crucial topics impacting estate and corporate planning, including: TCJA Sunset: Estate Planning Post-Connelly Decision Corporate Planning Premium Finance SOTU Collaborative Planning Tuesday, October 22, 2024 from 12:00pm-1:00pm Il Fornaio, 18051 Von Karman Ave, Irvine, CA 92612 Lunch will be Served Register Now for this In-Person Event!
- [Protecting Your Practice with Long-Term Care Featuring One America & Nationwide](https://cavalierassociates.com/event/protecting-your-practice-with-long-term-care-featuring-one-america-nationwide/) - About the Event Assets: Protection vs Liquidation Multi-Generational Retention Fiduciary Responsibility Legislative Update: AB567 Tuesday, October 15, 2024 from 12:00pm-1:30pm Il Fornaio, 18051 Von Karman Ave, Irvine, CA 92612 Lunch will be Served Register Now for this In-Person Event!
- [Top Underwriting Niches with our Chief Underwriter Ken Turscak, FALU,FLMI, ACS](https://cavalierassociates.com/event/top-underwriting-niches-with-our-chief-underwriter-ken-turscak-faluflmi-acs/) - About the Event Ken Turscak, Chief Underwriter will be discussing Life Insurance Underwriting. Top Underwriting Niches Underwriting Marijuana Businesses Exam-Free Underwriting up to $65 Million The Art of Packaging a Complex Case Wednesday, September 18, 2024: 11:00 Pacific | 1:00 Central | 2:00 Eastern Zoom Virtual Event Questions about the event? Reach out to Chris
- [Understanding the Impacts of the Tax Cuts & Jobs Act Sunset and the Connelly Decision](https://cavalierassociates.com/event/understanding-the-impacts-of-the-tax-cuts-jobs-act-sunset-and-the-connelly-decision/) - About the Event Understanding the TCJA Sunset: What changes are on the horizon? Harris Budget Proposal Insights Connelly Decision: Impacts on corporate-purposed life insurance Innovative Insurance Solutions: Strategies to stay ahead of tax shifts Thursday, September 12, 2024 from 12:00pm-1:30pm Pinstripes, 21851 W. Victory Blvd, Canoga Park, CA 91303 Lunch will be Served Questions about the event? Reach

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