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
  • Taxation of Real Estate Real estate may be used to shelter income and may offer certain tax benefits. However, the type of real estate investment may result in different tax treatment. Learn how to use these investments to help your clients.
  • Annuities: Variable Annuities Annuities are hot. The tax rules vary with the circumstances. Advisors must be aware of these intricacies when discussing annuities with clients.

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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