From the October 2009 issue of Investment Advisor • Subscribe!

A Recession Silver Lining

Sidebar to the feature article "Wealth Matters"

More On Tax Planning

from The Advisor's Professional Library
  • Precious Metal Taxation Precious metals can be used to better diversify a portfolio but can be volatile. The tax implications of investing in these types of assets vary depending upon the situation.
  • Long Term Care Insurance: Premiums While premiums for qualified long-term-care insurance may be deductible as medical expenses there are exceptions to this general rule. Learn how to avoid unnecessary tax liabilities.

For estate planning these days, "the low-interest-rate environment offers incredible advantages," observes Ben Ledyard, director of wealth strategies for Boston-based Silver Bridge Advisors who leads the firm's new Wilmington, Delaware operation. While portfolio values are low, he helps set up "appreciation shifting or estate-freezing types of trusts." Springer has also found a greater tendency for inter-family loans while other forms of financing are still difficult to obtain. Loans to family members must be at the applicable federal rate (AFR), which the IRS sets on a monthly basis, in order not to be considered a gift.

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