We have a passion for our mission - helping our clients achieve sound financial health and understanding. Achieving this takes careful planning with wisdom, insight and experience. We use a disciplined, structured approach to planning to ensure that your needs, goals and objectives are incorporated into developing a plan that 's best for you.
When deciding whether to gift assets now or transfer them to heirs at death, you need to understand step-up in basis and tax consequences. Have you heard of the No Surprises Act? Taking effect in 2022, it helps protect consumers from large, unexpected medical bills. This article provides an overview of the pros and cons of a type of term policy - return of premium life insurance.
When deciding whether to gift assets now or transfer them to heirs at death, you need to understand step-up in basis and tax consequences. Have you heard of the No Surprises Act? Taking effect in 2022, it helps protect consumers from large, unexpected medical bills. This article provides an overview of the pros and cons of a type of term policy - return of premium life insurance.
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We have a passion for our mission - helping our clients achieve sound financial health and understanding. Achieving this takes careful planning with wisdom, insight and experience. We use a disciplined, structured approach to planning to ensure that your needs, goals and objectives are incorporated into developing a plan that 's best for you.
One such strategy that we currently use, under the appropriate fact pattern, is "converting" taxable qualified money (i.e.: Traditional IRAs and 401(k) accounts) into potentially tax free money.
We are taking a distribution from a qualified account (at 59.5 to 69 years old) over 3 years and putting the distribution into a specially designed, high cash value life insurance policy which permits early withdrawals and potentially long term tax free distributions.depending on the long term S&P 500 Index performance.These early withdrawals are structured to pay the tax created on the 1099-R distribution, hence creating a "tax-free conversion".
We are taking a distribution from a qualified account (at 59.5 to 69 years old) over 3 years and putting the distribution into a specially designed, high cash value life insurance policy which permits early withdrawals and potentially long term tax free distributions.depending on the long term S&P 500 Index performance.These early withdrawals are structured to pay the tax created on the 1099-R distribution, hence creating a "tax-free conversion".
We've put together a library of information on important financial topics that we believe you'll find helpful. This information is updated regularly to reflect the latest facts, figures, legislation, and economic trends. Wills and trusts allow you to spell out how you would like your property distributed, but they also go beyond that.
Our financial calculators are designed as educational tools to help you estimate answers to common financial questions. They are not intended to predict future returns or results. These calculators are hypothetical examples used for illustrative purposes and do not represent the performance of any specific investment or product.
Among the lessons of the recent financial crisis is the need for virtually everyone - young and old - to acquire a basic knowledge of finance and economics. These magazine-style flipbooks provide helpful information on a variety of financial topics and illustrate key financial concepts. Select one of the flipbooks below and click the image to view it.
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