Video Library

Calculating Your Retirement Number

Thinking about retirement but unsure where to start? Lisa and Tom were in the same position. Despite being diligent savers in their late 50s, they felt uncertain whether they'd saved enough to retire comfortably and were concerned about everyday living costs, inflation rates, annual expenses, income sources, and retirement savings. Watch their story (6:04) to see how, working with a financial professional to develop a clear plan, Lisa and Tom were able to gain clarity and create a strategy tailored to their retirement goals

Charitable Giving for Enhanced Estate Planning

Imagine turning small contributions today into a life-changing gift for your favorite charity in the future. Making an impact doesn't always require a big donation upfront. With the right strategy, life insurance can help you leave a meaningful legacy for the causes you care about most. Whether it's naming a charity as a policy beneficiary or setting up a wealth replacement trust, life insurance offers powerful options to maximize your charitable giving while considering your family's needs. Watch to see how families like Mabel’s are using this strategy to create lasting change in their communities.

Creating Family LLCs and Partnerships to Manage Estate Assets

Building and protecting your family’s legacy doesn’t have to mean giving up control of your assets. Take Anthony and Allison, for example. They built a thriving real estate portfolio with nine LLCs, but as part of their estate planning, they needed to shift ownership to the next generation—all while maintaining operational control. Watch their story (6:04) to see how, by consolidating their real estate assets into a Family LLC, they could manage everything under one entity, transfer ownership tax-efficiently, and even leverage valuation discounts to reduce their taxable estate.

Diversifying the Tax Impact on Retirement Savings

Did you know a well-balanced retirement strategy isn’t just about saving—it’s about how you save? Tax diversification can make all the difference. Take Antonio and Maria, successful restaurant owners focused on building their retirement savings. Like many business owners, they were concerned about minimizing their tax burden today while preparing for an unpredictable future tax landscape. Watch their story (7:04) to see how they were able to keep more of what they earned and gain greater control over their retirement income.

Managing Taxes on IRA Wealth for Your Heirs

A lifetime of saving toward retirement shouldn’t come with layers of taxes for loved ones later. That’s exactly what happened to Elizabeth’s retirement IRA when it was passed down to her daughter, Maggie. With taxes hitting estate and income levels, Maggie was left with far less than Elizabeth intended. By smartly utilizing life insurance and optimizing distributions, Elizabeth could have transformed her retirement assets into a tax-efficient inheritance for Maggie—while still maintaining access to funds if needed through properly designed life insurance. Watch Elizabeth’s story (6:36) to learn more about how this IRA wealth maximization strategy works.

Planning for Retirement Income with Estate Protection

Do you have a sizable estate and want to ensure both income protection for your family and easy access to cash value? Sounds like a tricky balance, but with the right strategy, it can be possible to achieve both. In this story, a successful doctor is looking to provide long-term financial security for his loved ones while maintaining access to tax-preferred cash values. Working with his financial professionals, he implemented a retirement and legacy arrangement that merges tax-preferred retirement income with estate asset protection—a powerful combination! Watch (3:46) to explore how a similar approach could work for you.

Protecting Family Income with Life Insurance

When Dr. Brown unexpectedly passed away, his family faced challenges beyond grief. Though he was a successful professional, the lack of proper planning left his loved ones struggling to maintain their lifestyle. The cost of education for his children, ongoing household expenses, and future financial goals were suddenly uncertain. Dr. Brown’s story (5:20) illustrates how life insurance is not just about income replacements. For affluent families, it’s about protecting your loved ones and preserving the life you’ve worked hard to build.

Special Needs Planning in Estate Management

After a childhood accident left Christopher with lifelong care needs, his family worked with qualified professionals to establish a special needs trust, ensuring Christopher’s needs could be met while maintaining his eligibility for government benefits. This thoughtful planning allowed his family to set aside assets to enhance Christopher’s quality of life, covering things like therapy, medical appliances, recreation, and more. Watch his story (3:29) to see how using life insurance to fund the trust provided his family with additional financial security and peace of mind.

Using Spousal Trusts for Estate Access and Protection

When it comes to strategic estate planning, affluent clients often face a tough decision—how to balance maintaining control over assets while protecting them from taxes and creditors. A spousal lifetime access trust is a highly effective tool that can address both goals. See how this technique worked for Raj and Priya in this video (4:23). He established a SLAT for her benefit, effectively removing assets from his estate while still allowing access to funds. This stategy also allowed them to reduce their tax liability and protect their wealth.