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 becomes increasingly relevant, particularly...
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![[Case Study] How Crediting Rates Can Adversely Impact Life Insurance Policy Performance](https://m3c9f7m7.delivery.rocketcdn.me/wp-content/uploads/2021/03/fi-universal-life-insurance-policy-review-400x250.png)
![[CASE STUDY] How A Restricted Property Trust Reduced Our Client’s Tax Rate From XX.X% to YY.Y%](https://m3c9f7m7.delivery.rocketcdn.me/wp-content/uploads/2016/09/fi-restricted-property-trust-case-study-400x250.png)
Recent Posts
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 becomes increasingly relevant, particularly...
![[Case Study] Planning for a Tax-Efficient Legacy Using an Irrevocable Life Insurance Trust](https://m3c9f7m7.delivery.rocketcdn.me/wp-content/uploads/2024/08/fi-irrevocable-life-insurance-trust-case-study-1-400x250.png)
[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 recognize the current laws are scheduled...
Irrevocable Life Insurance Trust (ILIT) for Estate Planning
Life insurance owned by an irrevocable life insurance trust (ILIT) can be the easiest and most efficient way to pay estate taxes. If you want to reduce estate taxes and preserve your wealth, then an...
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...
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Family Protection
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...
Business Planning
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...
Estate Planning
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...
Accumulation
What is a Life Insurance Retirement Plan (LIRP) and How Does it Work?
A life insurance retirement plan or LIRP is a tax-efficient way for individuals to save for retirement by providing benefits you can enjoy during...
Planning Solutions
[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....
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...
![[FACT] There Is No Such Thing As A Section 7702 Plan](https://m3c9f7m7.delivery.rocketcdn.me/wp-content/uploads/2016/09/fi-section-7702-life-insurance-plan-400x250.png)
