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.
Fiduciary Advising
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Why Fee-Only Doesn’t Mean Fiduciary
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.
Creating Tax-Efficient Investment and Estate Strategies for UHNW Clients through Private Placement Life Insurance (PPLI) in a Rising Interest Rate and High Tax Environment
RIAs can utilize PPLI to shelter otherwise tax-inefficient assets from income and estate taxation.
Utilizing IUL Policies to Increase After-Tax Portfolio Returns through Increased Equity Allocations while Minimizing Volatility
How IUL policies allow portfolios to increase after-tax returns through increasing the equity allocation of the portfolio while minimizing volatility.
Improving Portfolio Diversification and After-Tax Returns in a Rising Interest Rate/High Tax Environment Through the Use of Life Insurance Solutions
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.
Why the Traditional 60/40 Retirement Strategy Won’t Work in a Low Bond Yield Environment
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...
6 Financial Advising Strategies to Increase After-tax, After-advisory Fee Bond Returns for HNW Clients in a Low-yield Environment
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...
4 Financial Advising Strategies for High-earning Professionals to Increase After-tax Wealth
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...
Why Fee-only Fiduciary Financial Advisors Should Be Considering No-commission Fixed and Indexed Annuities for Conservative High Net Worth Clients Over Traditional Bond Investing
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 Fiduciary: Providing High Net Worth Clients With Specialized Advice
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...
How to Structure Permanent Life Insurance to Surpass Buy Term and Invest Strategies
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...
The Hidden Costs of Permanent Life Insurance
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...