Background: Sometimes people want to have the ability to save more for retirement than they are; however, they are limited by various Retirement Plan rules. Depending on the type of …
Case Studies
Simple Problems with Creative Solutions
Background: Our clients often come to us with a focus on one or two priority problems. As we dig a little deeper, we often find that they may have other …
To Draw or Not To Draw?
Background: Variable Annuities with Minimum Income Guarantees are quite popular and have been a very effective planning strategy. There are many different types of these contracts offered by various insurance …
Is a Large Tax Deduction Today Appropriate for Some Individuals?
Background: A client with an annual personal income exceeding $500,000 was in the highest federal and state income tax brackets. The question became “if we could create a large tax …
Is a Large Tax Deduction Today Appropriate for Some Individuals?Read More
There’s Gold in the File Cabinet
Background: Many people in their 60’s and 70’s own a life insurance policy purchased in the 1970’s, 1980’s or 1990’s that is not performing as well as projected at interest …
Unique Long-Term Care Insurance Option
Background: Long-term care coverage will pay for qualified Long-Term Care (LTC) services that are required by a chronically ill individual and provided by a plan of care prescribed by a …
A Time to Die
Background: Clients with Universal Life (basic chassis) don’t often realize it, but there is a “time to die” that is best “financially speaking” for them. Our Case: We recently had …
Is Investing Like Farming?
Background: Clients often hear about a great performance for the current year and wonder why their account isn’t doing as well. Our Case: Client called concerned about their account not …
