Gift and Estate Tax Exclusion: Latest Regulation from the IRS
The Treasury Department and the IRS have issued final regulations recently. The final regs, Treasury Decision 9884, implement...
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Senate Proposal Could Make It Easier to Fund LTC Insurance
If Congress manages to pass a new bill, currently being worked up in the Senate, tax-and penalty-free withdrawals would be allowed...
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Asking Clients the Hard Questions About LT Care: A Checklist for Your Discussions
The urgency of providing for long-term healthcare costs is well established, yet many advisers are having a tough time in broaching...
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Tax Deferral: Sound Retirement Planning or Ticking Time Bomb?
Deferring taxes until retirement is an attractive planning strategy – consider the popularity of the 401(k) and you’ll see it. Our...
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Relying on Referrals? Time to Expand Your Marketing Reach
Referrals really are golden – if you need a smooth stock tip, a rewarding new job, an ‘in’ at a sports club, a swanky hotel room, a...
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Older Advisors are Savvier on Social Media
A recent study by American Century Investments yielded some counter intuitive results. The survey found that advisors with 5-20...
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Life Insurance Can Be a Smart Choice for Young Women
For most young, single women life insurance is not on the radar. Health insurance of course, and maybe renter’s insurance. But...
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Three Ways Life Insurance Can Help Your Estate Plan
Sometimes, life insurance can do more than protect your family in the event of your unexpected death. It can also help you in...
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Diabetes Has a New Ally
Diabetes sufferers sometimes feel like the odd men and women out: their condition can be debilitating and expensive to treat, with...
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Life Insurance – Now and Forever
The more things change, the more we’re stuck with the certainty of essential reality. While we live, we must provide for ourselves...
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Why Annuities Can Be an Especially Good Deal for Women
Unfortunately, it’s not uncommon to see women in their 60s, 70s or 80s still working, unable to retire on their savings and Social...
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Suddenly, Grandad Wants Life Insurance – Here’s Why and How to Get It
The case at hand: older citizens, aged 60 to 70, who want to buy new term life policies. One could be forgiven for questioning our...
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Buying LT Care Insurance Can Be Daunting – Here’s What You Should Know
The dream of retirement – she ain’t what she used to be. There was a time when people hoped for a few blessed years of care-free...
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Helping HNW Clients Decide to Self-Insure Against LT Care Costs – or Not
It’s a bit of boilerplate in the profession: high-net-worth clients should provide for long-term healthcare expenses via...
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Annuities: Friend of Foe? Four Cases Where They Work
Some people like annuities on sight, while others hold their noses at mere mention. The problem comes when people lump all...
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Estate Planning and Divorce: The Smoothening Effect of Life Insurance
Is there anything that can assuage the pain of divorce? Not really – not anything that we could responsibly recommend. Beyond the...
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