Estate Planning

Life Insurance: Still Good for Estate Planning

The American estate tax turned 100 this year. It probably won’t live to see 101.” That’s the lead sentence in a December 9, 2016, Wall Street Journal article commenting on the likelihood the incoming administration will introduce legislation to repeal the …
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Inheritance Equalization Strategies for Business Owners

    A unique challenge and/or opportunity for small business owners is what happens when one or more of their children are brought into the business. The combination of family dynamics and day-to-day business can be explosive, both positively and …
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Trouble and the Executors

Over five decades, Harry and Leona Helmsley built a real-estate fortune whose holdings at one time included the Empire State Building. Leona, as the public face of the company’s many hotels, was a flamboyant and controversial figure. Labeled the “Queen …
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“Doing Security” with the Upper Middle Class

In her 2014 Book, Cut Adrift: Families in Insecure Times, Marianne Cooper, a Stanford sociologist uses the phrase “doing security.” In what originally began as a study on how the changing economy and recent recession have magnified the divide between …
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Creative “Event Insurance”

            Conceptually, whole life insurance can be thought of as a financial instrument designed to accumulate and deliver cash for one or more yet-to-be determined future events. The ultimate future event is an insurance payment …
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Ultimate Success in Small Business Requires a Succession Plan

Ultimate Success in Small Business Requires a Succession Plan When you read the numbers, you can’t help but admire small business owners. A March 2014 FAQ issued by the Small Business Administration (sba.gov) finds that almost one-half of private-sector employment …
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Divorce and the Business Owner: Pre-Planning is Key

Story by: Eric C. Peterson, Contributing Writer of New Jersey Business Magazine Divorce can be a long, expensive and painful process, but what if one of the spouses owns a small or mid-sized business?  How does that factor into the …
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Multi-Generational Legacies with Life Insurance

The challenge in legacy planning is not convincing individuals to give, rather the issue is making sure there is something left to pass on.
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A Better Way To Build

Many Americans construct their personal financial programs similar to the Goodyear building and home improvement method.
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If You Are Going It Alone, You Are Not Alone

It’s a demographic trend that’s been consistently building for the past 50 years, but still mostly under the collective radar of the American public. The U.S. is becoming a nation of single people. Whether unmarried, divorced, or widowed, more Americans …
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