By using gifting strategies in place of contributing to a Roth IRA, high net worth clients can essentially replicate the benefits of a Roth IRA with larger contribution amounts and earlier withdrawal privileges.

By using gifting strategies in place of contributing to a Roth IRA, high net worth clients can essentially replicate the benefits of a Roth IRA with larger contribution amounts and earlier withdrawal privileges.
In order for fee-only advisors to truly be fiduciaries they need to utilize life insurance products that are in the best interests of the clients.
RIAs can utilize PPLI to shelter otherwise tax-inefficient assets from income and estate taxation.
How IUL policies allow portfolios to increase after-tax returns through increasing the equity allocation of the portfolio while minimizing volatility.
An overview of why low bond yields and a rising interest rate pose problems for portfolio diversification and how RIAs can utilize life insurance to achieve greater after-tax diversification and returns.
Financial advisors need to implement better retirement strategies in a low-yield environment or risk losing HNW clients A large bond allocation has long been the staple diversification tool for RIAs trying to manage market risk in their equity portfolios—especially...
I’ve been working with financial advisors a lot recently on how to implement better after-tax, after-advisory fee strategies for the bond portion of their portfolios for clients who are in high marginal tax brackets (doctors, lawyers, business-owners, etc). In a...
I’ve been working with financial advisors a lot recently on how to implement better after-tax strategies for their doctor, lawyer, and business owner clients who are in high marginal tax brackets. Such strategies are especially important for clients who are near...
Bond investing in rising interest rate environments versus tax-deferred annuity growth With equity markets at all-time highs and in the face of increasing interest rates, the current economic environment makes providing financial advice for conservative investors a...
High net worth individuals have a multitude of needs that require specialized expertise and attention: strategies to avoid estate taxes so that wealth being passed on to beneficiaries can be maximized, tax-deferral/tax avoidance strategies to avoid paying high...
Buy term and invest the difference is your best bet when it comes to life insurance—unless you find the right product and fund it properly. For high net worth investors who already invest in U.S. Treasuries as part of their bond portfolio, properly structuring certain...
Why policy owners end up paying tens of thousands more than they need to Are Life Insurance Agents Making Recommendations In Their Client’s Best Interests or Their Own? For clients considering purchasing permanent life insurance, the options can be daunting. Life...