Income and Estate Planning – How strategy planners, charities and donors can use actuarial arbitrage to potentially eliminate risk.

By Igor Zey, MSFS, CAP In my last column, I revealed how Americans are the wealthiest and most charitably inclined people in the world. During the last quarter of the 20th century, there was unprecedented growth in the wealth held and controlled by individuals and families in the United States. By the beginning of this […]

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A Solutions-Based Approach To Charitable Planning – Part I

By Igor A. Zey, MSFS, CLU®, ChFC®, CAP®, CFP®, AEP®   Historically, charitable planning stems from either a donor’s wish to make a particular size or type of gift to a particular organization or an organization soliciting a particular donor for a possible gift.  Despite their relative success in the past, these approaches are not […]

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Special Uses of Life Insurance in Pension Plans

By Igor A. Zey, MSFS, CFP®, CLU®, ChFC®, CAP®, AEP® Partner   Many highly compensated employees have successfully accumulated large sums in their qualified pension plans. As these executives approach retirement, a few begin to realize the following circumstances may apply to their situations: They may not need the qualified plan assets for their retirement […]

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Life Insurance Premium Financing

By Igor A. Zey, MSFS, CFP®, CLU®, ChFC®, CAP®, AEP® Partner   It is one of the most controversial topics in the life insurance industry. Yet, in the last 12-15 years, premium financing has grown into one of the most valuable tools for high-net-worth individuals to purchase genuinely needed  life insurance – the amount they […]

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Top Three Insurance Planning Mistakes in Divorce

By Igor Zey, MSFS, CFP®, CLU®, ChFC®, CAP®, AEP Partner   The mistakes one could make with respect to financial issues in the context of divorce are countless.  This article is intended to add to your awareness of the three most common mistakes people make with respect to life insurance. Ineffective Beneficiary Designations A very […]

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Uncovering Hidden Assets in Valuations – Life insurance is an asset class. Should you be the one to put it on your client’s balance sheet?

By Igor Zey, CLU/ChFC   More than ever, today’s turbulent economic climate requires that advisers to families and their businesses, whether healthy or troubled, proactively manage their finances and maximize the value of their assets and estates. Life insurance policies, whether individually or trustowned, have long been an integral part of estate and multi-generational wealth […]

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