When most people think of gifting assets to reduce their taxable estate, they assume those assets are gone forever - out of reach for good. But what if there...
Spousal Lifetime Access Trust: Gifting Without Giving it All Away
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Insights
Estate Planning
Using life insurance for estate planning provides liquidity that is not subject to income or estate taxes when properly structured. Providing the estate with cash to purchase assets and cover estate taxes.
Why CPAs are Rethinking Life Insurance for High-Income Clients
For years, many CPAs viewed life insurance primarily as a sales product - not a planning solution. That view was understandable. Too often, proposals lacked...
The 2025 Lifetime Gift Tax Exemptions, Sunset Provisions, and Planning for the Future
The IRS has recently announced important updates regarding gift tax exclusions and lifetime exemption amounts for 2025. As financial and estate planning...
[Case Study] Planning for a Tax-Efficient Legacy Using an Irrevocable Life Insurance Trust
Mike (Age 59) and Carol (Age 57) have an $18 million estate. They both recognize that under current laws their estate would not be taxable today. They also...
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...
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...
High Net Worth Life Insurance Estate Planning
When it comes to estate planning, life insurance can be an important tool for high-net-worth individuals and families. Often, life insurance is used to help...
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.
Premium Financing Life Insurance
Premium financing life insurance is the process of borrowing money to pay large life insurance premiums. Annual premiums will typically range from $100,000 on...