Lifetime Gift Tax Exemption in 2026: What High-Net-Worth Families Need to Know
The federal lifetime gift and estate tax exemption has been one of the most discussed planning topics of the past several years. For affluent families, it has shaped decisions around large gifts,...
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Recent Posts
Irrevocable Life Insurance Trust: How an ILIT Helps Create Estate Liquidity
Updated May 5, 2026 to reflect current estate tax exposure and planning considerations. An irrevocable life insurance trust, often called an ILIT, is a planning tool used by affluent families to...
Common Life Insurance Policy Riders
Life insurance policy riders are add-ons to a life insurance policy at issue. The best way to think of a rider is they are like an option for your car. For instance, you have a base model car. Then,...
Ohio National Whole Life Insurance – To Be or Not To Be?
On March 23, 2021, Constellation announced they had entered into an agreement with Ohio National Mutual Holdings, Inc. and Ohio National Financial Services, Inc. (“Ohio National”) for $1 billion....
What John Hancock’s Crediting Rate Increase Means for Policy Owners
On September 1, 2022, John Hancock increased their crediting rate 20 basis points on their Protection Universal Life and Protection Survivorship Universal Life product suite. This results in a...
Buy Sell Agreements for Closely Held and Family Business Owners
Buy Sell Agreements for closely held and family business owners is a legal document that establishes a market for your business in the event of a “triggering” event. Triggering events may include...
The Problem With Some Life Insurance Carriers…
Advising individuals, families, and business owners on their existing permanent life insurance coverage continues to be challenging. In fact, I just hung up the phone after waiting for over an hour...
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Family Protection
Naming Your Life Insurance Policy Beneficiary – Things to Consider
One of the most important parts of owning a life insurance policy is naming the beneficiary. It is important to understand what beneficiary...
Business Planning
Using Life Insurance to Protect Retained Earnings in a Closely Held Corporation
Closely held corporations often retain earnings rather than distribute them, aiming to reinvest in growth or strengthen the balance sheet. But while...
Estate Planning
Lifetime Gift Tax Exemption in 2026: What High-Net-Worth Families Need to Know
The federal lifetime gift and estate tax exemption has been one of the most discussed planning topics of the past several years. For affluent...
Accumulation
Planning Solutions
Buy-Sell Agreements: Why Life Insurance Is the Smartest Funding Option
When it comes to safeguarding the future of a privately held business, few tools are as critical - or as overlooked - as the buy-sell agreement....
Life Insurance Products
What Are The Different Types of Life Insurance Policies?
Life insurance policies can be very simple or extremely complex given the circumstances. Much of this is a function of the type of policy and how it is being used.
