The Split-Dollar Triple Tax Savings Package for HNW Clients
For high-net-worth clients, a split-dollar lending strategy can provide an effective method for transferring wealth while taking advantage of the tax preferences of life insurance and the low interest rate environment.
Families Find Caregivers in Increasingly Short Supply
As the popularity of professional long-term care services grows among seniors, so does the need for informal assistance from adult children and other family members.
Discussing long-term care insurance can be tough—assuming advisors can get their clients to discuss it at all.
Retiring Abroad: Is Paradise Losing Its Luster?
Most retirees who dream of moving abroad seek a simpler, less expensive place to spend their later years. But new tax laws are complicating matters.
Losing a Spouse Hits Women Harder Than Men
Women were more likely to report significant life changes following the death of a spouse, a New York Life survey found.
Using Qualified Plan Dollars to Buy Life Insurance
For your small-business-owner client, this strategy can ease the transition of the business upon the owner’s exit. Watch the details, however, especially on taxation.
4 Ways Advisors Can Help Single Parents Plan for Retirement, College
Saving for retirement and a college education is a constant battle. Here are a few ways advisors can guide single-parent families.
Dead to Rights: Insurers Struggle to Award Beneficiaries
When insurance agents were personally acquainted with their customers, it was fairly simple to be sure death benefits were paid. Now, not so much.
The Taxation of Life Insurance Policy Loans
The Tax Facts experts sift through the complexities of loans on life insurance polices.
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.