Wealth Transfer
A Vital Tax Advantage in Estate Planning
Life insurance plays a vital tax advantage role in the estate plans of affluent families by providing liquidity to pay estate taxes, equalizing an estate among heirs, or providing to a charity that is near and dear to the family. Our wealth transfer services provide tax efficient liquidity to pay estate taxes, often preventing the untimely forced sale of another asset.
We rely on years of experience and connections with the top advisors (estate planning attorneys, CPAs, and investment advisors) throughout the Southeast to structure sophisticated life insurance strategies. Our relationship with Lion Street allows us access to the top life insurance analysts, thought leaders, and market insiders, ensuring we are abreast of the latest tax developments and product enhancements.
High net worth clients and corporations understand the value of life insurance. There is a reason they own large amounts and that banks have over $150 billion of cash value life insurance as well.
Executive Benefits
Reward and Retain Your Key Employees
Your key employees are the cornerstone of your business. We help design and implement plans that reward and retain them for the future. Providing competitive benefit programs for your top-tier talent is key to the long term success of your business.We understand this, and our partners specialize in designing, implementing and administering Non-qualified Deferred Compensation and Bonus Plans. Our planning services allow your company to create meaningful benefits that are not limited by government restrictions, while rewarding key employees for long term performance and contribution. A well-developed executive benefits program can be a tremendous way to maintain control and achieve results.
Business Continuity
A Focus on the Future
We help businesses plan for the future through key-executive insurance, which includes buy/sell funding, high-end disability plans, and long term care coverage. A successful business is often our clients’ most valuable asset. A solid buy/sell agreement, funded with life insurance, can make all the difference for the family and the ongoing business.
Key executive insurance gives a company time to regroup and make strategic decisions on moving forward after losing a key leader, founder, or producer. It allows the company the freedom to determine the best path forward without making rash or panicked decisions. Buy/sell funding comes in, for example, when two people start a company. In the event that one of the founders passes away, the life insurance proceeds allow the surviving founder to purchase the deceased founder’s equity from the deceased’s spouse or family. It makes the deceased family whole, while allowing the surviving founder to move forward without entanglements.
