Longer-form material on planning topics. Built as topics warrant comprehensive treatment.
The parts of a disability policy that decide whether it does its job: true own-occupation, why group LTD falls short, the riders that matter, how much you can get and what it costs, and the resident GSI window that closes. Pairs with the income-at-risk calculator and the surgeon disability worked example.
For owners whose wealth is in the business, the building, or the land. How to tell whether the estate tax reaches you, and the two moves, shrink the estate, then fund the tax on what remains, that keep it from forcing a sale. Ties together the SLAT vs. ILIT article, the estate-liquidity worked example, and the estate-tax liquidity calculator.
A buy-sell is only as good as four things holding at once: a price the IRS respects, a structure that survives Connelly, no transfer-for-value trap, and funding that matches the obligation. This guide walks all four and links to the Connelly review, the valuation-defensibility article, and the buy-sell funding calculator.
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