Solution Strategies
401K AP
The 401K Alternative Plan is a turnkey non-qualified deferred compensation package for highly compensated key employees. It provides for both employer and employee contributions to supplement retirement income and replace lost benefits due to qualified plan limitations. An ideal solution for small public or closely held "C" Corporations looking to reward, retain, and recruit key executives. For more detailed information click on the underlined title above.
Annuity Arbitrage
A strategy designed to increase personal income and increase the estate left to heirs. It involves selling and reinvesting assets in a Single Premium Immediate Annuity and a life insurance policy. For more detailed information click on the underlined title above.
Executive Disability
A strategy designed for corporations to use Executive Disability Insurance to attract and retain key employees, as well as fill in the gaps created by reverse discrimination tests, benefits taxation, and uncovered variable compensation.
Executive Long Term Care
A strategy for recruiting and retaining key executives using core long term care products. It takes advantage of favorable tax laws for the treatment of company-paid premiums and benefits received by policyholders for qualified LTC plans. For more detailed information click on the underlined title above.
GE Corporate Term
GE Corporate TermSM provides an institutional purchase of life insurance by companies for their executives, professionals, physicians and highly compensated individuals through a structure exclusively designed for the multi-life market.
Premium Financing
An advantageous method for high net worth clients who have already utilized their unified credit and annual gift exemptions to acquire much needed life insurance for estate planning purposes.
WealthBuilder
WealthBuilderTM is a unique strategy that allows you to sell appreciated real estate or closely-held stock, defer the income tax for up to 30 years, obtain a market rate of return on the reinvested assets, and generate benefits for heirs.
412(i)
A defined benefit qualified plan established for the owner of a business and his or her employees. It is exempt from minimum funding requirements because the plan is fully insured. The target market includes small businesses with one to twenty-five employees. For more detailed information click on the underlined title above.
Qualified Plan Rescue
Qualified Plan Rescue enables a client to increase the value of IRA assets passed to heirs and to minimize taxation on these assets. This strategy is appropriate for individuals who do not need all of their qualified plan assets to provide for their own personal security.
Retirement Income Plan
The Retirement Income Plan (RIP) is a non-qualified supplemental benefit program for highly compensated key employees. RIP benefits are similar to those provided under a qualified defined benefit program, but without the limitations nor restrictions imposed by governmental regulations. For more detailed information click on the underlined title above.
A/R Financing
The Accounts Receivable Financing strategy
converts dormant accounts receivable into long-term productive assets. This strategy creates supplemental retirement income for professionals and business owners who have a significant level of accounts receivable. It may also provide asset protection for business assets. Life insurance and annuities are used to fund the program.
Restricted Executive Access Plan
The Restricted Executive Access Plan is a 162 Bonus Plan with a twist. An ideal solution for businesses looking for a way to reward, retain and recruit key executives, while
- Obtaining a current income tax deduction
- Tying the executive to the business via golden handcuffs, and
- Eliminating creditor issues associated with non-qualified deferred compensation.
It is also an attractive alternative for pass-through entities and not-for-profit companies. For more detailed information click on the underlined title above.
LIfe Setlement
A Life Settlement is the sale of a life insurance policy for an amount greater than its cash surrender value. It provides a client with a means to tap into unrealized assets from an existing policy or where the current policy is no longer needed for its original purpose. The proceeds are often used to purchase other financial products, including more cost effect insurance. For more detailed information click on the underlined title above.
No-Lapse Guarantee UL
Universal Life Insurance with a No-Lapse Guarantee (NLG) provision offers the lowest, guaranteed premium of any policy type for an extended period of time. This strategy is most appropriate for clients interested in eliminating performance risk and the lowest guaranteed lifetime premium to minimize potential gift taxes. For more detailed information click on the underlined title above.
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