Analytical pieces on specific questions high earners face. Built progressively — quality over volume.
$41,000 was due that month whether or not the owner could work. Pricing one month of a solo practice line by line, the claim data on why this is an illness problem rather than an accident problem, the two tax facts of overhead coverage, and the loan question the closing checklist never asked. Hypothetical facts, real methodology.
If one person left this business tomorrow, would the numbers move? How we size an uninsured key-person exposure three ways, plus the two tax facts owners always ask and the covenant angle the lender cares about. Hypothetical facts, real methodology.
An ILIT moves assets out of your taxable estate but out of reach. A SLAT can do the first without fully giving up the second. A plain-English walkthrough of the tradeoff, the cautions that belong to your attorney, and where insurance funding fits inside the trust.
An estate worth well above the exemption, its value locked in a business and land, and a 40% federal tax due in cash nine months after death. Most owners are under the line and owe nothing — but for the ones above it, how we size and structure the funding so nothing has to be force-sold. Hypothetical facts, real methodology.
A traditional IRA is the one asset that gets no step-up in basis, so the children pay income tax as they draw it down — compressed into ten years by the SECURE Act, at their peak brackets. How the same dollars can pass far more efficiently when a client repositions an account they never needed. Hypothetical facts, real methodology.
“7702 plan,” “infinite banking,” “be your own bank,” “LIRP” — four names, one product underneath. How we decode a branded life-insurance pitch to what it actually is, then run a three-question fit test to tell whether it belongs in the plan. Hypothetical facts, real methodology.
How we analyze a real-shaped retirement-income situation: a 61-year-old executive pitched a fixed indexed annuity with a lifetime-income rider on his entire IRA. The priorities, the arithmetic, the charts, and what we recommended against — hypothetical facts, real methodology.
An honest walkthrough of the mechanics — fixed and indexed crediting, the lifetime-income rider that is the most misunderstood number in the product, the real tax treatment, and the costs. Includes a clear view of when an annuity fits a high earner's situation and when it doesn't.
How we analyze a real-shaped situation: a 45-year-old surgeon pitched a $100K/yr IUL. The priorities, the arithmetic, the charts, and what we recommended against — hypothetical facts, real methodology.
What whole life genuinely guarantees, what those guarantees cost against term, and the narrow set of situations — buy-sell funding, estate liquidity, a lifelong dependent — where paying for certainty is the right answer. Includes the honest case against it.
An honest walkthrough of the mechanics — crediting caps, floors, participation rates, the real cost structure, and why illustrations deserve skepticism. Includes a clear view of when IUL fits a high earner's situation and when it doesn't.
A first conversation is at no cost. We are happy to discuss specific questions directly.
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