Malpractice, lawsuits and other liabilities can quickly devastate assets you’ve spent a lifetime building. We utilize a variety of tools including LLCs, family limited partnerships, holding corporations, management corporations and irrevocable trusts to protect the assets our clients have worked hard to accumulate.

Premium financed life insurance enables high net worth clients to purchase the life insurance they need to cover estate taxes and provide sufficient estate liquidity without forcing them to liquidate assets to pay for the policy. A well-structured policy creates a permanent life insurance policy held outside of the estate, maximizes the death benefit with minimal client cash outlay, provides the necessary estate liquidity to cover estate taxes, retains client assets in their current investments and avoids reducing lifetime gift exemptions to purchase insurance.

If you have spent years contributing to IRAs, 401(k) plans and SEP-IRAs to minimize your current tax bill, you may be at risk of remaining in a high tax bracket during retirement with required minimum distributions (RMDs). A detailed analysis of your income sources leading up to and during retirement is critical to ensure you are taking income from your retirement savings in the most efficient manner possible. We also can implement a variety of tools to ensure that your beneficiaries don’t have to “sell the farm” to pay estate taxes.