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Insurance Planning

Tailored Insurance Strategies

Tailored Insurance Strategies

In developing a solid financial plan, we take into account many aspects of your life. We look at your entire financial picture. Do you have adequate insurance to provide for your needs, should tragedy occur? Are you utilizing tax advantages that some insurance plans offer? Are you aware of ways insurance plans can help generate wealth? For some clients in the highest tax bracket, insurance planning can be an excellent tool for managing taxes and producing tax-free income.

Some of the services we offer include the following:

  • LIRP (Life Insurance Retirement Plan) tax-free income strategies
  • Premium Financing
  • Loan regime split dollar
  • PPLI – Private Placement Life Insurance
  • Estate tax minimization solutions for optimal generational wealth transfers
  • Long Term Care planning
  • Disability insurance

Life Insurance as an Asset Class

  • Whole Life Insurance
  • Guaranteed Universal Life Insurance
  • Universal Life Insurance
  • Index Universal Life Insurance
  • Variable Universal Life Insurance

Life Insurance can be a valuable retirement income vehicle for high-net-worth individuals. If designed correctly, you can contribute more money—tax free—to a Life Insurance Policy than you can contribute to a Roth IRA. The cash value of a life insurance policy can be an effective way to boost your income after taxes in retirement. Of course, the longer you live, the more you’ll be able to enjoy the cash benefits of your insurance plan. This can be an important part of an overall approach to asset accumulation over your lifetime. Although you won’t have access to the cash value of your policy for the first few years after you begin contributing, the returns on your long-term accumulation value can be significant over time.

Term vs. Perm

We can help you determine when to integrate permanent or term life insurance policies into your plan, as both types of insurance can play an important role. Because term insurance is cheaper than permanent life insurance, it is an ideal vehicle for providing protection for individuals who only need short-term coverage, either for business or personal goals. It can help to cover shortfalls and mitigate expenses, and it can be a valuable component of estate planning. While term insurance covers a fixed period of time, permanent insurance provides lifetime benefits. Although more expensive, permanent life insurance policies provide important tools for growing income over time. Both types of insurance offer important advantages, depending on your short and long-term goals. We can help you navigate questions you may have regarding these decisions.

Plans that Align with Your Needs

Working with our strategic partners, we offer sophisticated strategies in insurance planning. We incorporate plans for generational wealth transfer in the manner you desire. In addition, we implement effective insurance strategies that are designed to improve the efficiency of your estate tax planning.

Non-Proprietary Products

All of the pieces of your insurance plan fit cohesively together when integrated appropriately. As fiduciaries, we offer non-proprietary products, carefully designed to mitigate taxes and elevate your financial opportunities.

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