Creating a tax free retirement. Are municipal bonds safe?

Creating a tax free retirement. Are municipal bonds safe? Recently, a U.S. Bankruptcy Court judge ruled that Stockton, California, may move forward with its Chapter 9 bankruptcy. How could  a municipality go bankrupt? There are primarily 3 reasons. Unsustainable Employee Pension Debt Poor decisions by elected officials. Unrestrained Municipal employee salaries and benefits. Why does [...]

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Long term care insurance solutions for today. Long term care is a very big concern for many aging baby boomers. However a traditional long term care policy has one major drawback. If you never use it, you lose it. In today’s market there is another option available where you can receive your money back. This [...]

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How to access money in a cash value life insurance contract. Are partial surrenders or policy loans better for you clients?

How to access money in a cash value life insurance contract. Are partial surrenders  or policy loans better for you clients?   Life insurance can give beneficiaries an instant means of support after the death of a provider. It can help your clients keep their homes, pay off debt and maintain their aspirations for college. [...]

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Are you helping clients become tax efficient and achieving tax free income?

Are you helping clients become tax efficient and achieving tax free income? The American Tax Relief Act of 2012 has resulted in many discussions and much angst about the latest tax law changes. Are your clients looking for tax free or tax advantaged accounts. Everyone seems to be talking about tax free income. What are [...]

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Can life insurance do more than provide a death benefit?

Can life insurance do more than provide a death benefit? Most financial professionals look at life insurance for the death benefit or to mitigate taxes. Life insurance has always provided a safety net for loved ones upon the passing of the primary wage earner. It has and always will be the primary purpose for Life [...]

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using life insurance as supplemental tax free retirement income

10 Sources of Retirement Funds

Raise your hand if you have had the same job for your entire life and plan on using only the 401K for retirement? As you read the article below, note that this author leaves out using permanent life insurance as a source of tax-free income that can be used to subsidize any of the sources [...]

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how to use a 1035 exchange to buy a new life insurance policy or annuity

How to buy a new life insurance policy with the cash in your current policy

There are many reasons to investigate purchasing a new life insurance policy compared to keeping your current policy.   If you have a permanent life insurance policy 3 or more years old, because of the current actuarial tables indicating people are now living longer, most likely you can improve your current policy. You might be able [...]

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Finance, Insurance and Politics

At our core we always feel like there should be a right and a wrong or a good and a bad and it frustrates us when we are unable to separate the two.  When it comes to finance, insurance or politics, sometimes there is just not a clear cut answer to right or wrong. Virtually [...]

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review of indexed universal life IUL insurance

An in-depth look at Flexible Premium Indexed Universal Life Insurance

One of the most talked about life insurance products available today is Indexed Universal Life (IUL). Over the last few years larger death benefits and more policies were sold than standard universal life insurance. The Basics An indexed universal life insurance policy provides the value of a permanent life insurance for the insured with the [...]

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why choose a survivorship universal life SUL insurance policy?

Why choose survivorship universal life Insurance?

Over the last decade, Survivorship Universal Life (or second-to-die) insurance has become popular for couples protecting their legacy from estate taxes.  Now with the 2013 changes in the estate tax laws increasing the exemption threshold there are still many reasons that survivorship universal life insurance is an excellent choice for couples of all ages. Survivorship [...]

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how to use a special needs trust to prevent disqualification of aid when a special needs child inherits assets or money

How to prevent losing benefits for your special needs child before they inherit life insurance assets

When a parent has a special needs child, the estate planning considerations take on an additional significance when the parents are no longer around to provide care for them. Among these special considerations are: Assuring that the child remains eligible for government benefits. Insuring that the child has adequate financial resources to lead a safe [...]

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the best life insurance for retirement planning

What is the Best Life Insurance for Your Retirement Plan?

You may use savings accounts and investment tools such as certificates of deposit, money markets, annuities, and mutual funds to provide for your family and save for retirement. What are the benefits of transferring some of these assets to a single premium life insurance policy life insurance policy? Instantly increase your estate. Transfer money more [...]

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