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
Year-End Checklist for High-Income Earners Using Life Insurance
As the year winds down, high-income earners often turn their attention to last-minute tax planning and financial clean-up. While charitable contributions and retirement plan funding typically top...
Spousal Lifetime Access Trust: Gifting Without Giving it All Away
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 were a way to remove assets from your...
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 this strategy can build enterprise value, it also...
Understanding the Restricted Property Trust: A Strategic Solution for High-Income Business Owners
For successful business owners with annual earned income exceeding $700,000, reducing income taxes while building long-term wealth is a constant challenge. Most traditional retirement...
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. These legally binding contracts ensure a smooth...
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 context, coordination, or transparency,...
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Family Protection
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.
Business Planning
Advanced Life Insurance Design: Beyond Whole Life vs. IUL
For decades, the life insurance conversation has often been framed as a binary choice: whole life versus indexed universal life (IUL). Both have...
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
[FACT] There Is No Such Thing As A Section 7702 Plan
Have you ever heard of Section 7702 Plan? I hadn’t either until a few weeks ago. That’s when a colleague of mine reached out and asked me this very...
Planning Solutions
Understanding the Restricted Property Trust: A Strategic Solution for High-Income Business Owners
For successful business owners with annual earned income exceeding $700,000, reducing income taxes while building long-term wealth is a constant...
Life Insurance Products
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...
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