Background: Divorced and retired female age 66 had significant cash assets invested in non-qualified annuities. Currently in a zero income tax bracket. She needed income in four years when her …
Case Studies
Retirement Income Fears & Strategies
Background: A couple was retiring at age 59/58 and were concerned about income planning and risk management as they transitioned into creating their own pay check versus working for one. …
A Tax Effective Tender
Background: Clients were moving through our PathWise Comprehensive Financial Planning Process. During that process as they were evaluating which recommendations to implement, a stock in which client held considerable shares …
Beyond Estate Taxes Estate Planning
Background: A husband and wife had retired and were enjoying financial independence. The husband and primary bread earner passed on rather suddenly and the estate plan developed came to the …
Trusted Owned Life Insurance (TOLI) Review
Background: Changes in the Federal Estate Tax laws combined with changes in Life Insurance products has made reviewing existing Trust Owned Life Insurance (TOLI) policies something that everyone should be …
Hypothetical Estate Issue During 2011 & 2012
Goal To take advantage of a temporary Estate Tax without making the decision to “pass away.” Facts Congress passed a late hour Estate Tax reform in the final days of …