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IRA Conversion Rules: Using Tax-Free Life Insurance to Convert an IRA Into a...
In 2010, the former $100,000 AGI limit to convert an IRA to a Roth IRA was permanently repealed. No matter their age or income, anyone with an IRA has the option to convert it to a tax-free Roth IRA,...
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SPIA Settlement Options Can Provide Guaranteed Income
IRS issued Final Regulations in April 2002 on required minimum distributions (RMD) from IRA accounts which are Defined Contribution accounts such as mutual funds, deferred annuities, and bank CDs. You...
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Obama Budget Proposal for Fiscal Year 2017
President Obama has released his “Greenbook” budget proposal for fiscal year 2017. It renews a number of items from past budget proposals. The Republican Congress will disagree with many of the...
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Survivorship Universal Life Policy with Indemnity Joint LTC Rider Owned by an...
A popular new product that has aroused the interest of many estate planners is a Guaranteed No-Lapse Survivorship Universal Life (SUL) Policy with an indemnity joint long term care (LTC) rider. This...
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Competitive After-Tax Income for High Bracket Earners with Indexed UL
When an individual accumulates and then receives funds distributed from a financial asset to provide retirement income, there are 2 key values: After-Tax Rate of Return (ROR) and the After-Tax Income...
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Risks of Premium Financed Life Insurance Owned by an ILIT
Premium financing plans between a financial institution and an Irrevocable Life Insurance Trust (ILIT) can be very complicated and risky arrangements. Wealthy individuals who are familiar with...
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Inherited Non-Qualified Annuities for Spouses, Non-Spouses, and Trusts
It is somewhat common to be dealing with clients who have accumulated significant non-qualified annuity account values. As a result of tax-deferred Section 1035 exchanges over many years, it is not...
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Inherited IRAs for Spouses, Non-Spouses, Trusts and Estates
It is somewhat common for advisors to be dealing with clients who have accumulated significant mutual fund, IRA or annuity IRA account values. As a result of rollovers and direct transfers from 401(k)...
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IRC Section 162 “Linked-Benefit” Executive Bonus Plans for Business Owners...
IRC Section 162 Executive Bonus Plans funded with cash accumulation life insurance policies have provided a time-tested non-qualified benefit for many years. The employer simply makes a tax deductible...
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“Linked Benefit” Products Offer Flexibility for Section 1035 Exchange Options
IRC Section 1035 provides exchanges into life insurance or annuity contracts with Long Term Care (LTC) riders to be income tax free and treated as LTC contracts under IRC Section 7702B(e). The tax free...
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Non-MEC Executive Bonus Plans for Business Owners
Successful business owners and professionals often have maxed out the tax deductible and elective deferral contributions to their qualified retirement plans, such as profit sharing, 401k, or...
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When To Recommend a Modified Endowment Contract (MEC)
Since June 20th, 1988, life insurance policies that do not meet the guidelines of the “7 Pay Test” of IRC Section 7702A are classified as Modified Endowment Contracts (MEC). As such, any lifetime...
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Tracking Business Cash Flow to Pay Life Insurance Premiums For C Corp, S...
Successful C Corp, S Corp, and LLC business owners often want to use the cash flow from their business to pay life insurance premiums. These premiums may be for either employer owned polices or for...
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Distributions from S Corps Can Fund Life Insurance Premiums
Many closely held businesses operate as S Corporation “pass-through” entities for federal income tax purposes. Some S Corps started out as C Corporations and converted to an S Corp a number of years...
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Life Insurance Provides Creditor, Bankruptcy, and Tax Protection
People purchase life insurance for a variety of reasons. The income tax protection offered by life insurance on cash value accrual, withdrawals, and death benefits are well-known features. An often...
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Creating an Inherited IRA Legacy Plan with Life Insurance Funded by After-Tax...
With the recovery of the equities markets after the economic downturn of 2008-2009, it is common for successful business owners, professionals, and other individuals to have more than $1,000,000 in...
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Restricted Executive Bonus Plans: A Simple Alternative to Deferred Comp Plans
Restricted Executive Bonus plans funded with life insurance offer a hybrid arrangement that bridges the gap between a deferred compensation plan and a regular executive bonus plan. These plans are a...
View ArticleInherited IRAs for Spouses, Non-Spouses, Trusts and Estates
It is somewhat common for advisors to be dealing with clients who have accumulated significant mutual fund, IRA or annuity IRA account values. As a result of rollovers and direct transfers from...
View ArticleClik here to view.
IRC Section 162 “Linked-Benefit” Executive Bonus Plans for Business Owners...
IRC Section 162 Executive Bonus Plans funded with cash accumulation life insurance policies have provided a time-tested non-qualified benefit for many years. The employer simply makes a tax deductible...
View Article“Linked Benefit” Products Offer Flexibility for Section 1035 Exchange Options
IRC Section 1035 provides exchanges into life insurance or annuity contracts with Long Term Care (LTC) riders to be income tax free and treated as LTC contracts under IRC Section 7702B(e). The tax free...
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