Our team can help identify and tackle complex business and estate planning situations for your affluent clients. Our insurance specialists empower our agents by providing integrated and diverse planning strategies such as tax efficiency, retirement planning and wealth transfer.
WHERE THERE’S A NEED, THERE’S A PLAN
Complex planning needs require a multi-disciplinary team that draws from client’s lawyer, accountant and insurance professionals. We work closely with client financial advisors to understand objectives, weigh different solutions and implement the optimal plan for your clients’ unique situation.
Advanced planning solutions address numerous issues that individuals and businesses face such as:
- How to leave money for your family.
- How to lower the size of taxable estates.
- How to keep an estate intact while guarding against intra-family friction.
- How to safeguard a business for retirement, succession, or sale.
- How to shield wealth from unnecessary taxation and protect it from creditors.
SOLUTIONS WE MAY OFFER
Life Insurance often gets used in a large variety of planning solutions that might include:
Personal Coverage
- Insurance Policy Review
- LIRPs (Life Insurance Retirement Plans)
- Annuity Maximization
Business and Executive Benefits
- Non-Qualified Deferred Compensation (NQDC)
- Supplemental Executive Retirement Plans (SERPs)
- 162 Bonus Plans
- Buy-Sell Agreement Review
- Informal Company Valuations
- Succession Plan Review
- Multi-Life Executive Carve Outs – Simplified/Guaranteed Issue (SI/GI)
Estate Plans
- Irrevocable Life Insurance Trust (ILIT)
- Trustee Owned Life Insurance (TOLI)
- Credit Shelter/Bypass Trusts
- Estate Equalization
