Making the Annuity Fit: IVAs vs. Structured Annuities
If understood and then used properly, indexed variable annuities and structured annuities can perform a significant role in a client’s portfolio.
10 Things to Know About How Investments Are Taxed
Among the investment products advisors recommend to their clients, mutual funds and ETFs top the list, so it's vital to understand their tax implications.
Modified Endowment Contracts’ Role in Estate, Post-Retirement Planning
Don’t dismiss modified endowment contracts (MECs), despite their tax consequences, for the role they can play in estate and post-retirement health care planning.
GLWBs and LIBRs: Which Annuity Rider Fits Your Client?
When it comes to annuities, guaranteed lifetime withdrawal benefits and lifetime income benefits are two of the more easily confused rider options.
Tax Court Untangles NIIT Passive Activity Trap for Trusts
A recent Tax Court decision paves the way for new trust planning techniques for dealing with the new 3.8% tax on investment-type income.
Supreme Court Ponders Changing the Rules on Nonspousal Inherited IRAs
In June, the justices are expected to rule on whether nonspousal inherited IRA funds can be exposed to creditor claims in bankruptcy proceedings.
An Overlooked Post-Retirement Health Care Strategy
While not for everyone, putting a traditional retirement account to work with an HSA is a tax-preferred way to cover health care costs in retirement.
Alternative to a Spousal Lifetime Access Trust: One-Way Buy-Sell Deal
A one-way buy-sell agreement can ensure that a business-owning client’s dual goals—spousal income security and an orderly business transition—can be met.
Roth IRAs for High-Income Clients
Roth IRAs usually do not make it into a higher-income client's retirement planning playbook.
Can Cash Value Life Insurance Be Smarter Than a Roth IRA?
There are many advantages to Roth IRAs but also many complicated rules. Enter cash value life insurance, which can help maximize tax-free retirement income.